Previously Known As : Idfc Credit Risk Fund
Bandhan Credit Risk Fund Overview
Category Credit Risk Fund
BMSMONEY Rank 12
BMSMONEY Rating
Gro. Opt. As On: 27-01-2025
NAV ₹15.88(R) +0.11% ₹17.16(D) +0.11%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 7.31% 5.59% 5.46% 5.97% -%
LumpSum (D) 8.38% 6.61% 6.48% 7.01% -%
SIP (R) 7.22% 6.49% 5.73% 5.5% -%
SIP (D) 8.29% 7.54% 6.75% 6.51% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-1.39 -0.4 0.5 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.03% -0.28% -0.78% - 0.82%
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Icici Prudential Credit Risk Fund 2
Nippon India Credit Risk Fund 3

NAV Date: 27-01-2025

Scheme Name NAV Rupee Change Percent Change
BANDHAN Credit Risk Fund - Regular Plan Half Yearly IDCW 10.29
0.0100
0.1100%
BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW 10.46
0.0100
0.1100%
BANDHAN Credit Risk Fund-Direct Plan-Quarterly IDCW 10.64
0.0100
0.1100%
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW 10.76
0.0100
0.1100%
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW 10.91
0.0100
0.1100%
BANDHAN Credit Risk Fund - Regular Plan Periodic IDCW 12.33
0.0100
0.1100%
BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW 12.44
0.0000
0.0000%
BANDHAN Credit Risk Fund - Regular Plan Growth 15.88
0.0200
0.1100%
BANDHAN Credit Risk Fund-Direct Plan-Growth 17.16
0.0200
0.1100%

Review Date: 27-01-2025

Bandhan Credit Risk Fund has exhibited poor performance in the Credit Risk Fund category. The fund has rank of 12 out of 13 funds in the category. The fund has delivered return of 7.31% in 1 year, 5.59% in 3 years and 5.46% in 5 years. The category average for the same periods is 7.93%, 9.52% and 6.82% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 1.03, VaR of -0.28, Average Drawdown of -0.4, Semi Deviation of 0.82 and Max Drawdown of -0.78. The category average for the same parameters is 7.08, -0.23, -0.51, 1.84 and -0.72 respectively. The fund has low risk in the category.

Key Points:

  1. An investment of ₹10,000 in Bandhan Credit Risk Fund direct growth option would have grown to ₹10838.0 in 1 year, ₹12118.0 in 3 years and ₹13690.0 in 5 years as of today (27-01-2025).
  2. An SIP of ₹1,000 per month in Bandhan Credit Risk Fund direct growth option would have grown to ₹12534.0 in 1 year, ₹40355.0 in 3 years and ₹71175.0 in 5 years as of today (27-01-2025).
  3. standard deviation of 1.03 and based on VaR one can expect to lose more than -0.28% of current value of fund in one year.
  4. Sharpe ratio of the fund is -1.39 which shows poor performance of fund in the credit risk fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.64
0.63
0.28 | 0.83 7 | 14 Good
3M Return % 1.64
1.66
1.14 | 1.98 9 | 14 Average
6M Return % 3.42
3.80
2.45 | 6.89 12 | 14 Average
1Y Return % 7.31
7.93
5.93 | 12.05 11 | 14 Average
3Y Return % 5.59
9.52
4.93 | 39.72 12 | 13 Average
5Y Return % 5.46
6.82
3.40 | 10.43 10 | 13 Average
7Y Return % 5.97
5.27
-1.47 | 7.57 7 | 13 Good
1Y SIP Return % 7.22
7.81
4.96 | 12.99 11 | 14 Average
3Y SIP Return % 6.49
8.21
6.39 | 12.71 12 | 13 Average
5Y SIP Return % 5.73
8.71
5.57 | 24.45 12 | 13 Average
7Y SIP Return % 5.50
6.88
4.04 | 13.35 11 | 13 Average
Standard Deviation 1.03
7.08
0.91 | 70.73 6 | 13 Good
Semi Deviation 0.82
1.84
0.73 | 11.98 6 | 13 Good
Max Drawdown % -0.78
-0.72
-2.85 | -0.26 10 | 13 Average
VaR 1 Y % -0.28
-0.23
-1.48 | 0.00 10 | 13 Average
Average Drawdown % -0.40
-0.51
-1.08 | -0.26 5 | 13 Good
Sharpe Ratio -1.39
-0.23
-1.39 | 0.68 13 | 13 Poor
Sterling Ratio 0.50
0.89
0.37 | 3.85 12 | 13 Average
Sortino Ratio -0.40
1.15
-0.40 | 14.66 13 | 13 Poor
Return data last Updated On : Jan. 27, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.72 0.70 0.31 | 0.90 6 | 14
3M Return % 1.90 1.86 1.23 | 2.15 8 | 14
6M Return % 3.94 4.21 2.63 | 7.36 11 | 14
1Y Return % 8.38 8.76 6.29 | 13.04 11 | 14
3Y Return % 6.61 10.36 5.94 | 40.13 12 | 13
5Y Return % 6.48 7.65 4.19 | 10.75 10 | 13
7Y Return % 7.01 6.10 -1.20 | 8.32 7 | 13
1Y SIP Return % 8.29 8.65 5.33 | 13.98 11 | 14
3Y SIP Return % 7.54 9.05 7.39 | 13.07 12 | 13
5Y SIP Return % 6.75 9.55 6.58 | 24.83 12 | 13
7Y SIP Return % 6.51 7.70 4.80 | 13.65 11 | 13
Standard Deviation 1.03 7.08 0.91 | 70.73 6 | 13
Semi Deviation 0.82 1.84 0.73 | 11.98 6 | 13
Max Drawdown % -0.78 -0.72 -2.85 | -0.26 10 | 13
VaR 1 Y % -0.28 -0.23 -1.48 | 0.00 10 | 13
Average Drawdown % -0.40 -0.51 -1.08 | -0.26 5 | 13
Sharpe Ratio -1.39 -0.23 -1.39 | 0.68 13 | 13
Sterling Ratio 0.50 0.89 0.37 | 3.85 12 | 13
Sortino Ratio -0.40 1.15 -0.40 | 14.66 13 | 13
Return data last Updated On : Jan. 27, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.11 ₹ 10,011.00 0.11 ₹ 10,011.00
1W 0.23 ₹ 10,023.00 0.25 ₹ 10,025.00
1M 0.64 ₹ 10,064.00 0.72 ₹ 10,072.00
3M 1.64 ₹ 10,164.00 1.90 ₹ 10,190.00
6M 3.42 ₹ 10,342.00 3.94 ₹ 10,394.00
1Y 7.31 ₹ 10,731.00 8.38 ₹ 10,838.00
3Y 5.59 ₹ 11,772.00 6.61 ₹ 12,118.00
5Y 5.46 ₹ 13,047.00 6.48 ₹ 13,690.00
7Y 5.97 ₹ 15,009.00 7.01 ₹ 16,064.00
10Y ₹ ₹
15Y ₹ ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 7.22 ₹ 12,464.90 8.29 ₹ 12,533.51
3Y ₹ 36000 6.49 ₹ 39,733.27 7.54 ₹ 40,355.06
5Y ₹ 60000 5.73 ₹ 69,367.02 6.75 ₹ 71,174.52
7Y ₹ 84000 5.50 ₹ 102,154.92 6.51 ₹ 105,924.17
10Y ₹ 120000 ₹ ₹
15Y ₹ 180000 ₹ ₹


Date Bandhan Credit Risk Fund NAV Regular Growth Bandhan Credit Risk Fund NAV Direct Growth
27-01-2025 15.8812 17.1642
24-01-2025 15.8644 17.1447
23-01-2025 15.8584 17.1378
22-01-2025 15.8593 17.1382
21-01-2025 15.8525 17.1304
20-01-2025 15.8452 17.1221
17-01-2025 15.8316 17.1059
16-01-2025 15.8328 17.1068
15-01-2025 15.815 17.0871
14-01-2025 15.805 17.0758
13-01-2025 15.8044 17.0747
10-01-2025 15.822 17.0923
09-01-2025 15.8185 17.088
08-01-2025 15.8183 17.0873
07-01-2025 15.8185 17.0871
06-01-2025 15.8146 17.0824
03-01-2025 15.8047 17.0703
02-01-2025 15.8002 17.065
01-01-2025 15.797 17.0611
31-12-2024 15.8016 17.0656
30-12-2024 15.7927 17.0555
27-12-2024 15.7805 17.0409

Fund Launch Date: 14/Feb/2017
Fund Category: Credit Risk Fund
Investment Objective: The Fund seeks to generate returns by investing predominantly in AA and below rated corporate debt securities across maturities.
Fund Description: An open ended debt scheme predominantly investing in AA and below rated corporate bonds
Fund Benchmark: 65% NIFTY AA Short Duration BondIndex + 35% NIFTY AAA Short Duration Bond
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.