Previously Known As : Idfc Credit Risk Fund
Bandhan Credit Risk Fund Datagrid
Category Credit Risk Fund
BMSMONEY Rank 14
Rating
Growth Option 12-02-2026
NAV ₹16.84(R) +0.12% ₹18.39(D) +0.13%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.81% 6.39% 5.38% 6.04% -%
Direct 6.88% 7.44% 6.41% 7.05% -%
Benchmark
SIP (XIRR) Regular -11.07% 4.41% 5.26% 5.46% -%
Direct -10.18% 5.48% 6.31% 6.5% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.77 0.39 0.63 3.4% 0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.93% 0.0% -0.17% 0.31 0.63%
Fund AUM As on: 30/12/2025 254 Cr
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Dsp Credit Risk Fund 2
Nippon India Credit Risk Fund 3

NAV Date: 12-02-2026

Scheme Name NAV Rupee Change Percent Change
BANDHAN Credit Risk Fund - Regular Plan Half Yearly IDCW 10.32
0.0100
0.1300%
BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW 10.57
0.0100
0.1200%
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW 10.7
0.0100
0.1200%
BANDHAN Credit Risk Fund-Direct Plan-Quarterly IDCW 10.77
0.0100
0.1300%
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW 10.86
0.0100
0.1300%
BANDHAN Credit Risk Fund - Regular Plan Periodic IDCW 13.08
0.0200
0.1200%
BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW 13.6
0.0200
0.1300%
BANDHAN Credit Risk Fund - Regular Plan Growth 16.84
0.0200
0.1200%
BANDHAN Credit Risk Fund-Direct Plan-Growth 18.39
0.0200
0.1300%

Review Date: 12-02-2026

Beginning of Analysis

In the Credit Risk Fund category, Bandhan Credit Risk Fund is the 13th ranked fund. The category has total 13 funds. The Bandhan Credit Risk Fund has shown a very poor past performence in Credit Risk Fund. The fund has a Jensen Alpha of 3.4% which is lower than the category average of 4.86%, showing poor performance. The fund has a Sharpe Ratio of 0.77 which is lower than the category average of 1.82.
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 0.38%, 1.02 and 2.8 in last one, three and six months respectively. In the same period the category average return was 0.86%, 1.92% and 4.16% respectively.
  • Bandhan Credit Risk Fund has given a return of 6.88% in last one year. In the same period the Credit Risk Fund category average return was 11.47%.
  • The fund has given a return of 7.44% in last three years and ranked 14.0th out of 14 funds in the category. In the same period the Credit Risk Fund category average return was 9.7%.
  • The fund has given a return of 6.41% 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 10.15%.
  • The fund has given a SIP return of -10.18% in last one year whereas category average SIP return is -7.12%. The fund one year return rank in the category is 13th in 14 funds
  • The fund has SIP return of 5.48% in last three years and ranks 14th in 14 funds. Aditya Birla Sun Life Credit Risk Fund has given the highest SIP return (13.14%) in the category in last three years.
  • The fund has SIP return of 6.31% in last five years whereas category average SIP return is 9.33%.

Bandhan Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 0.93 and semi deviation of 0.63. The category average standard deviation is 1.99 and semi deviation is 0.8.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of -0.17. The category average VaR is -0.0 and the maximum drawdown is -0.04. The fund has a beta of 0.37 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

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.29
    0.79
    		-1.28 | 5.35 12 | 14 Average
    3M Return % 0.76
    1.72
    		-0.66 | 6.13 13 | 14 Poor
    6M Return % 2.28
    3.75
    		0.78 | 8.01 13 | 14 Poor
    1Y Return % 5.81
    10.63
    		5.81 | 19.97 14 | 14 Poor
    3Y Return % 6.39
    8.86
    		6.39 | 14.03 14 | 14 Poor
    5Y Return % 5.38
    9.31
    		5.38 | 27.18 13 | 13 Poor
    7Y Return % 6.04
    6.89
    		1.00 | 10.52 11 | 13 Average
    1Y SIP Return % -11.07
    -7.82
    		-11.07 | -1.65 14 | 14 Poor
    3Y SIP Return % 4.41
    7.34
    		4.41 | 12.15 14 | 14 Poor
    5Y SIP Return % 5.26
    8.49
    		5.26 | 19.01 13 | 13 Poor
    7Y SIP Return % 5.46
    8.39
    		5.46 | 20.52 13 | 13 Poor
    Standard Deviation 0.93
    1.99
    		0.70 | 6.84 7 | 14 Good
    Semi Deviation 0.63
    0.80
    		0.35 | 2.06 8 | 14 Good
    Max Drawdown % -0.17
    -0.05
    		-0.36 | 0.00 13 | 14 Poor
    VaR 1 Y % 0.00
    0.00
    		-0.03 | 0.00 13 | 14 Poor
    Average Drawdown % -0.17
    -0.03
    		-0.17 | 0.00 14 | 14 Poor
    Sharpe Ratio 0.77
    1.82
    		0.42 | 3.43 12 | 14 Average
    Sterling Ratio 0.63
    0.86
    		0.60 | 1.43 13 | 14 Poor
    Sortino Ratio 0.39
    3.05
    		0.32 | 6.02 13 | 14 Poor
    Jensen Alpha % 3.40
    4.86
    		-6.63 | 15.50 12 | 14 Average
    Treynor Ratio 0.02
    0.03
    		-0.56 | 0.30 13 | 14 Poor
    Modigliani Square Measure % 7.82
    8.03
    		2.24 | 12.71 8 | 14 Good
    Alpha % -2.80
    -0.50
    		-2.96 | 3.67 13 | 14 Poor
    Return data last Updated On : Feb. 12, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.38 0.86 -1.21 | 5.39 12 | 14 Average
    3M Return % 1.02 1.92 -0.46 | 6.23 13 | 14 Poor
    6M Return % 2.80 4.16 1.19 | 8.23 13 | 14 Poor
    1Y Return % 6.88 11.47 6.88 | 20.84 14 | 14 Poor
    3Y Return % 7.44 9.70 7.44 | 14.92 14 | 14 Poor
    5Y Return % 6.41 10.15 6.41 | 27.58 13 | 13 Poor
    7Y Return % 7.05 7.71 1.78 | 10.86 11 | 13 Average
    1Y SIP Return % -10.18 -7.12 -10.24 | -1.02 13 | 14 Poor
    3Y SIP Return % 5.48 8.18 5.48 | 13.14 14 | 14 Poor
    5Y SIP Return % 6.31 9.33 6.31 | 19.43 13 | 13 Poor
    7Y SIP Return % 6.50 9.23 6.50 | 20.92 13 | 13 Poor
    Standard Deviation 0.93 1.99 0.70 | 6.84 7 | 14 Good
    Semi Deviation 0.63 0.80 0.35 | 2.06 8 | 14 Good
    Max Drawdown % -0.17 -0.05 -0.36 | 0.00 13 | 14 Poor
    VaR 1 Y % 0.00 0.00 -0.03 | 0.00 13 | 14 Poor
    Average Drawdown % -0.17 -0.03 -0.17 | 0.00 14 | 14 Poor
    Sharpe Ratio 0.77 1.82 0.42 | 3.43 12 | 14 Average
    Sterling Ratio 0.63 0.86 0.60 | 1.43 13 | 14 Poor
    Sortino Ratio 0.39 3.05 0.32 | 6.02 13 | 14 Poor
    Jensen Alpha % 3.40 4.86 -6.63 | 15.50 12 | 14 Average
    Treynor Ratio 0.02 0.03 -0.56 | 0.30 13 | 14 Poor
    Modigliani Square Measure % 7.82 8.03 2.24 | 12.71 8 | 14 Good
    Alpha % -2.80 -0.50 -2.96 | 3.67 13 | 14 Poor
    Return data last Updated On : Feb. 12, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    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
    12-02-2026 16.8389 18.3914
    11-02-2026 16.818 18.368
    10-02-2026 16.814 18.3632
    09-02-2026 16.8064 18.3544
    06-02-2026 16.8032 18.3493
    05-02-2026 16.8293 18.3774
    04-02-2026 16.8152 18.3614
    03-02-2026 16.7948 18.3386
    02-02-2026 16.7724 18.3137
    30-01-2026 16.7709 18.3105
    29-01-2026 16.7566 18.2944
    28-01-2026 16.7567 18.294
    27-01-2026 16.7641 18.3016
    23-01-2026 16.7596 18.2946
    22-01-2026 16.7576 18.2919
    21-01-2026 16.7386 18.2708
    20-01-2026 16.7419 18.2738
    19-01-2026 16.745 18.2767
    16-01-2026 16.749 18.2795
    14-01-2026 16.7652 18.2962
    13-01-2026 16.7761 18.3076
    12-01-2026 16.7895 18.3217

    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.