Bandhan Credit Risk Fund
- NAV as on 24 Sep 2026
- ₹17.36-0.11%1 day
- Return since launch
- 6.0%
- 52-week range
- ₹16.58 — ₹17.39
- AUM
- ₹224 Cr
Bandhan Credit Risk Fund is a Credit Risk debt fund from Bandhan Mutual Fund with ₹224 Cr under management, launched in 2017. Over three years it has returned 5.7% a year, against 9.0% for its category. The expense ratio is 1.68% and the SEBI riskometer reading is Moderately High.
Performance
Bandhan Credit Risk Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +4.7% against +6.0% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 4.9% | −3.0 pts | 8.0% | 6.1% |
| 2Y | 5.2% | −3.5 pts | 8.7% | 6.5% |
| 3Y | 5.7% | −3.3 pts | 9.0% | 6.9% |
| 5Y | 5.8% | −3.3 pts | 9.1% | 6.8% |
| 7Y | 5.6% | −3.1 pts | 8.8% | 6.6% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.1% | 0.0 pts | 0.2% | 0.2% |
| 3M | 0.8% | −0.5 pts | 1.3% | 1.2% |
| 6M | 3.0% | −1.6 pts | 4.6% | 3.5% |
| 1Y | 4.7% | −3.3 pts | 8.0% | 6.0% |
| 2Y | 5.6% | −3.6 pts | 9.2% | 6.9% |
| 3Y | 6.2% | −2.8 pts | 9.0% | 7.1% |
| 5Y | 5.3% | −3.9 pts | 9.1% | 6.3% |
| 7Y | 5.7% | −1.5 pts | 7.2% | 6.6% |
Since launch (14 Feb 2017): 6.0%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 6.2% | −5.1 pts | 11.3% |
| 2024 | 7.3% | −1.4 pts | 8.7% |
| 2023 | 5.8% | −2.9 pts | 8.7% |
| 2022 | 3.1% | −12.7 pts | 15.7% |
| 2021 | 4.0% | −4.2 pts | 8.2% |
| 2020 | 7.4% | +6.5 pts | 1.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.67%
Expense ratio as on 22 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.42%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.25%
- Exit load
- Exit load of 1% if redeemed within 365 days.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY Credit Risk Bond Index B-II
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderately high risk — typically balanced hybrid and index-led equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.31 | 1.60 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.52 | 6.49 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 1.28 | 3.36 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Bandhan Credit Risk Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt92.4%
- Other7.6%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Aditya Birla Real Estate Ltd | Consumer Staples | 8.96% | ₹20.08 Cr | +8.72% | +8.41% | +7.66% |
| Power Finance Corporation Ltd. | Financial | 8.95% | ₹20.05 Cr | +8.75% | +8.52% | — |
| Ceat Ltd. | Automobile | 8.93% | ₹20.01 Cr | +8.73% | +8.35% | +7.62% |
| Tata Projects Ltd. | Construction | 8.93% | ₹20.01 Cr | +8.74% | +8.43% | +7.65% |
| Aadhar Housing Finance Ltd | Financial | 8.81% | ₹19.74 Cr | +8.75% | +8.37% | +7.64% |
| Tata Housing Devp. Co. Ltd | Construction | 8.80% | ₹19.71 Cr | +8.59% | +8.30% | +9.49% |
| Truhome Finance Ltd. | Financial | 8.80% | ₹19.72 Cr | +8.59% | +8.35% | — |
| Others | Others | 8.38% | ₹18.76 Cr | +2.92% | +2.76% | +2.44% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 6.62% | ₹14.82 Cr | +2.15% | +2.07% | +1.88% |
| Muthoot Finance Ltd. | Financial | 6.57% | ₹14.71 Cr | — | +6.35% | +5.73% |
| AU Small Finance Bank Ltd. | Financial | 4.67% | ₹10.46 Cr | +4.55% | +4.44% | +7.60% |
| Bank Of Baroda | Financial | 2.16% | ₹4.83 Cr | — | — | — |
| GOI | Sovereign | 0.27% | ₹0.62 Cr | +0.72% | +1.56% | +1.93% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Ceat Ltd. | 8.79% | 8.93% | +0.14% |
| Aditya Birla Real Estate Ltd | 8.84% | 8.96% | +0.12% |
| Tata Projects Ltd. | 8.81% | 8.93% | +0.12% |
| Aadhar Housing Finance Ltd | 8.70% | 8.81% | +0.11% |
| Truhome Finance Ltd. | 8.69% | 8.80% | +0.11% |
| Tata Housing Devp. Co. Ltd | 8.71% | 8.80% | +0.09% |
| Godrej Seeds & Genetics Ltd. | 6.54% | 6.62% | +0.08% |
| Muthoot Finance Ltd. | 6.49% | 6.57% | +0.08% |
| AU Small Finance Bank Ltd. | 4.60% | 4.67% | +0.07% |
| Bank Of Baroda | 2.11% | 2.16% | +0.05% |
| Power Finance Corporation Ltd. | 8.92% | 8.95% | +0.03% |
| Others | 0.74% | 0.75% | +0.01% |
| GOI | 0.27% | 0.27% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,099 Cr | 1.43% | 10.7% | 10.8% | 11.3% |
 ICICI Prudential Credit Risk Fund | ₹6,333 Cr | 1.43% | 7.3% | 8.2% | 7.9% |
 SBI Credit Risk Fund | ₹2,186 Cr | 1.54% | 7.9% | 7.8% | 7.7% |
 Aditya Birla Sun Life Credit Risk Fund | ₹1,600 Cr | 1.60% | 10.2% | 12.4% | 11.3% |
 DSP Credit Risk Fund | ₹310 Cr | 1.20% | 11.4% | 13.9% | 13.7% |
 Bank of India Credit Risk Fund | ₹68.71 Cr | 1.36% | 16.7% | 11.8% | 15.9% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The Fund seeks to generate returns by predominantly investing AA and below rated corporate debt securities across maturities.
Fund managers
- Debraj LahiriMr. Lahiri has done B.Tech and MBAPrior to joining Bandhan Mutual Fund, he has worked with ICICI Prudential AMC Ltd, Invesco Asset Management (India) Pvt. Ltd, CARE Ratings and Bank of Baroda
- Gautam KaulMr. Kaul is a B.Com (H) and MBA (Finance).Prior to joining Bandhan Mutual Fund(formerly IDFC Mutual Fund), he has worked with Edelweiss AMC, Invesco Mutual Fund, Sahara India Asset Management Company Pvt. Ltd, IDBI AMC. and Mata Securities (India) Pvt. Ltd.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months3.02% absolute | ₹60,000 | ₹61,812 | 3.02% | |
| 1 year4.68% annualised | ₹1,20,000 | ₹1,23,086 | 2.57% | |
| 3 years6.19% annualised | ₹3,60,000 | ₹3,96,516 | 10.14% | |
| 5 years5.27% annualised | ₹6,00,000 | ₹6,87,774 | 14.63% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.