Previously Known As : Idfc Credit Risk Fund
Bandhan Credit Risk Fund Datagrid
Category Credit Risk Fund
BMSMONEY Rank 12
Rating
Growth Option 04-12-2025
NAV ₹16.75(R) +0.02% ₹18.26(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.34% 6.46% 5.33% 6.19% -%
Direct 7.42% 7.52% 6.36% 7.2% -%
Benchmark
SIP (XIRR) Regular 5.63% 6.58% 5.3% 5.57% -%
Direct 6.7% 7.65% 6.33% 6.6% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.91 0.47 0.65 3.5% 0.03
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.92% 0.0% -0.17% 0.3 0.64%
Fund AUM As on: 30/06/2025 283 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: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
BANDHAN Credit Risk Fund - Regular Plan Half Yearly IDCW 10.26
0.0000
0.0200%
BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW 10.61
0.0000
0.0200%
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW 10.64
0.0000
0.0200%
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW 10.78
0.0000
0.0300%
BANDHAN Credit Risk Fund-Direct Plan-Quarterly IDCW 10.82
0.0000
0.0300%
BANDHAN Credit Risk Fund - Regular Plan Periodic IDCW 13.01
0.0000
0.0200%
BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW 13.49
0.0000
0.0300%
BANDHAN Credit Risk Fund - Regular Plan Growth 16.75
0.0000
0.0200%
BANDHAN Credit Risk Fund-Direct Plan-Growth 18.26
0.0000
0.0300%

Review Date: 04-12-2025

Beginning of Analysis

Bandhan Credit Risk Fund is the 13th ranked fund in the Credit Risk Fund category. The category has total 13 funds. The 1 star rating shows a very poor past performance of the Bandhan Credit Risk Fund in Credit Risk Fund. The fund has a Jensen Alpha of 3.5% which is lower than the category average of 6.03%, showing poor performance. The fund has a Sharpe Ratio of 0.91 which is lower than the category average of 1.97.
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 0.49%, 1.68 and 2.4 in last one, three and six months respectively. In the same period the category average return was 0.62%, 2.17% and 3.62% respectively.
  • Bandhan Credit Risk Fund has given a return of 7.42% in last one year. In the same period the Credit Risk Fund category average return was 11.22%.
  • The fund has given a return of 7.52% in last three years and ranked 13.0th out of 14 funds in the category. In the same period the Credit Risk Fund category average return was 9.56%.
  • The fund has given a return of 6.36% 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 9.98%.
  • The fund has given a SIP return of 6.7% in last one year whereas category average SIP return is 10.13%. The fund one year return rank in the category is 14th in 14 funds
  • The fund has SIP return of 7.65% in last three years and ranks 13th in 14 funds. Dsp Credit Risk Fund has given the highest SIP return (16.77%) in the category in last three years.
  • The fund has SIP return of 6.33% in last five years whereas category average SIP return is 9.21%.

Bandhan Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 0.92 and semi deviation of 0.64. The category average standard deviation is 1.61 and semi deviation is 0.75.
  • 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 -0.05. 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 % 0.41
    0.55
    		0.40 | 0.94 13 | 14 Poor
    3M Return % 1.43
    1.97
    		1.40 | 2.81 13 | 14 Poor
    6M Return % 1.88
    3.22
    		1.88 | 4.49 14 | 14 Poor
    1Y Return % 6.34
    10.38
    		6.34 | 21.14 14 | 14 Poor
    3Y Return % 6.46
    8.71
    		6.03 | 14.73 13 | 14 Poor
    5Y Return % 5.33
    9.14
    		5.33 | 25.91 13 | 13 Poor
    7Y Return % 6.19
    6.76
    		1.05 | 9.98 10 | 13 Average
    1Y SIP Return % 5.63
    9.29
    		5.63 | 16.84 14 | 14 Poor
    3Y SIP Return % 6.58
    9.23
    		6.17 | 15.87 13 | 14 Poor
    5Y SIP Return % 5.30
    8.38
    		5.30 | 17.87 13 | 13 Poor
    7Y SIP Return % 5.57
    8.23
    		5.54 | 18.98 12 | 13 Average
    Standard Deviation 0.92
    1.61
    		0.68 | 6.76 7 | 13 Good
    Semi Deviation 0.64
    0.75
    		0.35 | 2.07 8 | 13 Good
    Max Drawdown % -0.17
    -0.05
    		-0.36 | 0.00 12 | 13 Average
    VaR 1 Y % 0.00
    0.00
    		-0.03 | 0.00 12 | 13 Average
    Average Drawdown % -0.17
    -0.03
    		-0.17 | 0.00 13 | 13 Poor
    Sharpe Ratio 0.91
    1.97
    		0.42 | 3.58 12 | 13 Average
    Sterling Ratio 0.65
    0.85
    		0.61 | 1.48 12 | 13 Average
    Sortino Ratio 0.47
    3.23
    		0.33 | 7.31 12 | 13 Average
    Jensen Alpha % 3.50
    6.03
    		2.93 | 17.13 12 | 13 Average
    Treynor Ratio 0.03
    0.08
    		-0.27 | 0.62 12 | 13 Average
    Modigliani Square Measure % 7.88
    8.44
    		2.83 | 12.73 8 | 13 Good
    Alpha % -2.98
    -0.93
    		-3.24 | 3.69 12 | 13 Average
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.49 0.62 0.47 | 1.00 13 | 14 Poor
    3M Return % 1.68 2.17 1.61 | 2.97 13 | 14 Poor
    6M Return % 2.40 3.62 2.40 | 4.94 14 | 14 Poor
    1Y Return % 7.42 11.22 6.80 | 22.09 13 | 14 Poor
    3Y Return % 7.52 9.56 6.38 | 15.65 13 | 14 Poor
    5Y Return % 6.36 9.98 6.36 | 26.30 13 | 13 Poor
    7Y Return % 7.20 7.59 1.84 | 10.30 10 | 13 Average
    1Y SIP Return % 6.70 10.13 6.70 | 17.69 14 | 14 Poor
    3Y SIP Return % 7.65 10.07 6.55 | 16.77 13 | 14 Poor
    5Y SIP Return % 6.33 9.21 6.33 | 18.28 13 | 13 Poor
    7Y SIP Return % 6.60 9.05 6.28 | 19.36 12 | 13 Average
    Standard Deviation 0.92 1.61 0.68 | 6.76 7 | 13 Good
    Semi Deviation 0.64 0.75 0.35 | 2.07 8 | 13 Good
    Max Drawdown % -0.17 -0.05 -0.36 | 0.00 12 | 13 Average
    VaR 1 Y % 0.00 0.00 -0.03 | 0.00 12 | 13 Average
    Average Drawdown % -0.17 -0.03 -0.17 | 0.00 13 | 13 Poor
    Sharpe Ratio 0.91 1.97 0.42 | 3.58 12 | 13 Average
    Sterling Ratio 0.65 0.85 0.61 | 1.48 12 | 13 Average
    Sortino Ratio 0.47 3.23 0.33 | 7.31 12 | 13 Average
    Jensen Alpha % 3.50 6.03 2.93 | 17.13 12 | 13 Average
    Treynor Ratio 0.03 0.08 -0.27 | 0.62 12 | 13 Average
    Modigliani Square Measure % 7.88 8.44 2.83 | 12.73 8 | 13 Good
    Alpha % -2.98 -0.93 -3.24 | 3.69 12 | 13 Average
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 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
    04-12-2025 16.75 18.2589
    03-12-2025 16.7484 18.2566
    02-12-2025 16.7463 18.2539
    01-12-2025 16.7405 18.247
    28-11-2025 16.7448 18.2502
    27-11-2025 16.7431 18.2479
    26-11-2025 16.7433 18.2476
    25-11-2025 16.7372 18.2404
    24-11-2025 16.7309 18.2331
    21-11-2025 16.7215 18.2213
    20-11-2025 16.7229 18.2223
    19-11-2025 16.719 18.2176
    18-11-2025 16.7165 18.2143
    17-11-2025 16.7146 18.2117
    14-11-2025 16.7069 18.2019
    13-11-2025 16.7116 18.2065
    12-11-2025 16.7112 18.2055
    11-11-2025 16.7135 18.2076
    10-11-2025 16.7061 18.199
    07-11-2025 16.6956 18.186
    06-11-2025 16.6963 18.1863
    04-11-2025 16.6815 18.1692

    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.