Previously Known As : Idfc Credit Risk Fund
Bandhan Credit Risk Fund Overview
Category Credit Risk Fund
BMSMONEY Rank 11
Rating
Growth Option 21-05-2025
NAV ₹16.42(R) +0.09% ₹17.8(D) +0.09%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 8.57% 6.8% 6.03% 6.39% -%
Direct 9.67% 7.84% 7.06% 7.41% -%
Benchmark
SIP (XIRR) Regular 9.3% 7.57% 6.39% 5.88% -%
Direct 10.4% 8.63% 7.42% 6.89% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.22 0.09 0.6 2.04% 0.01
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.05% 0.0% -0.52% 0.45 0.77%

NAV Date: 21-05-2025

Scheme Name NAV Rupee Change Percent Change
BANDHAN Credit Risk Fund - Regular Plan Half Yearly IDCW 10.36
0.0100
0.0900%
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW 10.43
0.0100
0.0900%
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW 10.51
0.0100
0.0900%
BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW 10.7
0.0100
0.0900%
BANDHAN Credit Risk Fund-Direct Plan-Quarterly IDCW 10.9
0.0100
0.0900%
BANDHAN Credit Risk Fund - Regular Plan Periodic IDCW 12.75
0.0100
0.0900%
BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW 13.02
0.0200
0.1200%
BANDHAN Credit Risk Fund - Regular Plan Growth 16.42
0.0100
0.0900%
BANDHAN Credit Risk Fund-Direct Plan-Growth 17.8
0.0200
0.0900%

Review Date: 21-05-2025

Beginning of Analysis

In the Credit Risk Fund category, Bandhan Credit Risk Fund is the 11th ranked fund. The category has total 13 funds. The 2 star rating shows a poor past performance of the Bandhan Credit Risk Fund in Credit Risk Fund. The fund has a Jensen Alpha of 2.04% which is lower than the category average of 2.97%, showing poor performance. The fund has a Sharpe Ratio of 0.22 which is lower than the category average of 0.78.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Credit Risk Mutual Funds are designed for investors seeking higher returns by taking on higher credit risk. While they offer the potential for attractive yields, they come with significant risks, including the possibility of default and higher volatility. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, it is crucial to choose funds managed by experienced fund managers with a proven track record in managing credit risk.

Bandhan Credit Risk Fund Return Analysis

  • The fund has given a return of 0.86%, 3.31 and 5.21 in last one, three and six months respectively. In the same period the category average return was 1.83%, 5.17% and 7.53% respectively.
  • Bandhan Credit Risk Fund has given a return of 9.67% in last one year. In the same period the Credit Risk Fund category average return was 12.42%.
  • The fund has given a return of 7.84% in last three years and ranked 12.0th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 9.23%.
  • The fund has given a return of 7.06% in last five years and ranked 13th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 10.42%.
  • The fund has given a SIP return of 10.4% in last one year whereas category average SIP return is 14.68%. The fund one year return rank in the category is 12th in 14 funds
  • The fund has SIP return of 8.63% in last three years and ranks 12th in 13 funds. Dsp Credit Risk Fund has given the highest SIP return (19.46%) in the category in last three years.
  • The fund has SIP return of 7.42% in last five years whereas category average SIP return is 10.58%.

Bandhan Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 1.05 and semi deviation of 0.77. The category average standard deviation is 1.84 and semi deviation is 0.98.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.52. The category average VaR is -0.06 and the maximum drawdown is -0.53. The fund has a beta of 0.45 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Credit Risk Fund Category
  • Good Performance in Credit Risk Fund Category
  • Poor Performance in Credit Risk Fund Category
  • Very Poor Performance in Credit Risk Fund Category

  • 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.


    Date Bandhan Credit Risk Fund NAV Regular Growth Bandhan Credit Risk Fund NAV Direct Growth
    21-05-2025 16.4182 17.8004
    20-05-2025 16.4036 17.7841
    19-05-2025 16.3935 17.7725
    16-05-2025 16.3844 17.7612
    15-05-2025 16.3722 17.7475
    14-05-2025 16.3618 17.7358
    13-05-2025 16.3414 17.7132
    09-05-2025 16.3084 17.6755
    08-05-2025 16.3105 17.6772
    07-05-2025 16.332 17.7001
    06-05-2025 16.3287 17.696
    02-05-2025 16.3196 17.6842
    30-04-2025 16.3108 17.6736
    28-04-2025 16.2964 17.6571
    25-04-2025 16.2969 17.6562
    24-04-2025 16.3042 17.6636
    23-04-2025 16.3006 17.6592
    22-04-2025 16.2977 17.6556
    21-04-2025 16.2919 17.6488

    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.