Bandhan Credit Risk Fund Regular Growth NAV today
AMFI: 140609ISIN: INF194KA1W39MUTF_IN: BAND_CRED_RISK_I3L1VKBandhan Mutual FundCredit Risk funds
Formerly IDFC Credit Risk Fund
NAV ₹17.3069down ₹0.01 (0.05%)
NAV for 23 Oct 2026, against 22 Oct 2026. Declared once a day.
- Fund sizeAssets under management. The money the fund manages for all its investors, across every plan, at the end of the month.
- ₹221 CrSep 2026
- Expense ratioTotal expense ratio. What the fund charges each year as a share of the money invested, taken out of the NAV every day, so the returns shown are already after it.
- 1.67%14 Oct 2026
- Exit loadExit load. A charge, as a share of the amount redeemed, on units sold before a set period has passed since they were bought.
- 1%if sold within 365 days
- Yield to maturityYield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each.
- 8.30%30 Sep 2026
- Risk levelRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month.
- Moderately HighAug 2026
- HoldingsHoldings. The number of different securities in the fund's latest monthly portfolio: shares, bonds, money market paper and units of other funds, not cash, overnight lending or futures.
- 1530 Sep 2026
- LaunchedLaunch date. The day the fund first allotted units to investors, at the close of its new fund offer.
- 3 Mar 2017
Bandhan Credit Risk Fund returns
Regular Growth plan
Over each window to 23 Oct 2026
| Over | ReturnTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). | BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back. | Rank in categoryRank in category. The fund's place among the funds of its category with a return over the same window, highest return first. | Category medianCategory median. The middle return of the funds in the category over the same window: half returned more, half less. | Middle halfMiddle half of the category. The returns of the fund a quarter of the way down the category and the fund a quarter of the way up, over the same window: half the category's funds returned between the two. |
|---|---|---|---|---|---|
| 1 week | −0.16% | – | – | – | – |
| 1 month | −0.41% | – | 6 of 13 | −0.41% | −0.6% to −0.3% |
| 3 months | +0.23% | – | 12 of 13 | +0.57% | +0.5% to +0.7% |
| 6 months | +1.99% | – | 12 of 13 | +2.57% | +2.3% to +2.9% |
| 1 year | +3.86% | +3.85%to 30 Sep 2026 | 13 of 13 | +5.88% | +4.8% to +6.2% |
| 3 years | +6.04% | +6.51%to 30 Sep 2026 | 13 of 13 | +7.74% | +7.3% to +9.6% |
| 5 years | +5.20% | +6.74%to 30 Sep 2026 | 12 of 12 | +6.93% | +6.3% to +7.4% |
| 10 years | Needs 10 years | – | – | +6.69% | +5.9% to +7.3% |
₹10,000 put in on 6 Mar 2017 is ₹17,306 at the NAV of 23 Oct 2026Growth of ₹10,000. What ₹10,000 put in at the NAV of the first day would be worth at the latest NAV, after the fund's expenses and before tax and any exit load.Over a year and longer, a return is the yearly rate. Benchmark: NIFTY Credit Risk Bond Index B-II, over the same days as the fund, or to the month end its cell names. Rank, median and middle half among the Regular plans of Credit Risk funds, each fund's return to its latest NAV on or before 25 Oct 2026.
At the month end, 30 Sep 2026
| Over | FundTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). | BenchmarkBenchmark return. The change in the benchmark index's total return level over the same dates as the fund's return, as a yearly rate over a year and longer. |
|---|---|---|
| 1 year | +4.65% | +3.85% |
| 3 years | +6.18% | +6.51% |
| 5 years | +5.26% | +6.74% |
| Since launch | +5.92% | +7.55% |
Benchmark: NIFTY Credit Risk Bond Index B-II. Both as the fund house states them for the month.
Return in each calendar year
- Fund, Regular GrowthCalendar year return. The change in NAV from the last NAV of one year to the last NAV of the next.
Highest year to Dec 2019, +9.1%; lowest year to Dec 2022, +3.1%
Bandhan Credit Risk Fund SIP returns
₹10,000 on the 1st of every month, valued at the NAV of 23 Oct 2026
| Period | InvestedAmount invested. ₹10,000 on the 1st of every month, or the next day the fund priced, added up over the period. | Value todayValue today. What the units bought by every instalment are worth at the latest NAV. | Invested against value today | SIP returnSIP return (XIRR). The yearly rate that, applied to each monthly instalment from the day it was invested, gives the value of all the units today. | After stamp dutySIP return after stamp duty. The same SIP return with stamp duty of 0.005% taken from every instalment since 1 Jul 2020, so ₹10,000 buys ₹9,999.50 of units. | Stamp dutyStamp duty paid. The stamp duty on all the instalments, in rupees: 0.005% of each purchase made since 1 Jul 2020. |
|---|---|---|---|---|---|---|
| 1 year12 instalments | ₹1,20,000 | ₹1,22,237₹1,22,231 after stamp duty | +3.63% | +3.62% | ₹6 | |
| 3 years36 instalments | ₹3,60,000 | ₹3,88,922₹3,88,902 after stamp duty | +5.16% | +5.16% | ₹18 | |
| 5 years60 instalments | ₹6,00,000 | ₹6,88,933₹6,88,898 after stamp duty | +5.52% | +5.51% | ₹30 | |
| Since Mar 2017115 instalments | ₹11,50,000 | ₹15,11,158₹15,11,112 after stamp duty | +5.59% | +5.59% | ₹38 |
10 years: Launched 3 Mar 2017, needs 10 years of history.
Rolling returns
Per cent a year, every window from 6 Mar 2017 to 23 Oct 2026
Lowest to highestAverage
LowestLowest rolling return. The worst yearly return of any window of this length in the fund's history, one window starting on each day it priced.AverageAverage rolling return. The average of the yearly returns of every window of this length in the fund's history.HighestHighest rolling return. The best yearly return of any window of this length in the fund's history.Ended higherWindows that ended higher. The share of all the windows of this length in which the NAV ended above where it started.
1 year2,100 windows+1.7%+5.9%+10.3%100.0%
3 years1,615 windows+4.2%+5.9%+7.5%100.0%
5 years1,132 windows+5.1%+5.6%+6.3%100.0%
10 yearsLaunched 3 Mar 2017, needs 11 years of history
Every 1, 3 and 5-year window ended higher than it started.
Bandhan Credit Risk Fund expense ratio and exit load
Per cent of the money invested, a year. Each month shows its last day filed; the parts were redefined from Apr 2026.
- Regular over directDirect and regular plan cost gap. The regular plan's expense ratio less the direct plan's: what buying through a distributor costs each year, since both plans own the same portfolio.
- 1.01 ptsA year, on 14 Oct 2026
- Direct, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies.
- 0.66%Over the last 30 days filed
- Regular, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies.
- 1.67%Over the last 30 days filed
Total expense ratio, month by month
- Regular plan
- Direct plan
Direct plan highest 0.69%, Dec 2024.Direct plan lowest 0.56%, Dec 2018.
What the expense ratio is made of
| Part | Direct | Regular |
|---|---|---|
| Base expense ratioBase expense ratio. The part of the expense ratio that pays the fund house and the distributor, before brokerage, transaction costs, levies and GST. | 0.56% | 1.42% |
| Brokerage | None | None |
| Transaction costs | None | None |
| Statutory levies | 0.10% | 0.25% |
Per cent of assets a year, filed for 14 Oct 2026. The parts add up to that day's total.
Buying and selling
- Exit loadExit load. A charge, as a share of the amount redeemed, on units sold before a set period has passed since they were bought.
- 1% if redeemed/switched out within 365 days from the date of allotment
- Lump-sum purchases
- Accepted
- Minimum investmentMinimum investment. The smallest amount the plan accepts for a first purchase.
- ₹1,000
- Minimum top-up
- ₹1,000
- Minimum redemption
- ₹500
- SIP
- Accepted
- SIP minimum
- ₹100
- SIP instalments, at least
- 6
- STP, transfers to another fund
- Not accepted
- SWP, regular withdrawals
- Accepted
- Switches
- Accepted
- Lock-inLock-in. The time after each purchase during which those units cannot be sold.
- None
- SIP dates
- Monthly - Investor may choose any day of the month from 1st to 31st as the date of the instalment and Quarterly -Investor may choose any day of the month from 1st to 31st as the date of the instalment
As listed for this plan on 24 Oct 2026.
Bandhan Credit Risk Fund AUM
₹ crore, every plan of the fund together.
- Average assetsAverage assets under management. The money the fund managed, averaged over every day of the quarter, added up across its plans.
- ₹226 CrQuarter to Sep 2026
- In the direct plansShare of assets in the direct plans. The direct plans' average assets for the quarter as a percentage of the fund's total; the rest is in the regular plans, bought through distributors.
- 12.3%Of the quarter's average
Average assets by quarter, by plan
- Regular plans
- Direct plans
Largest ₹1,580 Cr, quarter to Mar 2020.
Assets at each month end
Highest ₹1,644 Cr, Feb 2020.The latest month end is the lowest since Feb 2019.
Bandhan Credit Risk Fund portfolio
Portfolio disclosed for 30 Sep 2026.
- Yield to maturityYield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each.
- 8.30%Lines stating a yield: 85.89% of the bond book
- Yield after expensesYield after expenses. The yield to maturity less the plan's expense ratio.
- 6.63%Regular plan
- Macaulay durationMacaulay duration. The weighted average time, in years, until the fund's bonds pay back their interest and principal.
- 1.89years
- Modified durationModified duration. Roughly how much the bonds' value changes, in per cent, for each one point change in interest rates.
- 1.77years
- Average maturityAverage maturity. The weighted average time, in years, until the fund's bonds are repaid.
- 2.23years
- Maturity date knownMaturity date known. The share of the bond book, perpetual bonds left out, whose repayment date is known: the bonds the durations and the maturity profile are taken over.
- 100.00%Of the bond book, perpetual bonds left out
- Perpetual bondsPerpetual bonds. Bonds with no maturity date: the issuer pays interest with no fixed day to repay. Their share of the bond book; they are in no duration and no maturity window.
- None
The bond book is the fund's bonds, bills and overnight lending.
Holdings on 30 Sep 2026
| Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. | Yield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each. | Held since. The first month end of the fund's current run of holding this position; marked "or earlier" where that month is the fund's first portfolio on record or the first after a gap in its portfolios. | ||||
|---|---|---|---|---|---|---|
| 8.35% Aditya Birla Real Estate LimitedCRISIL AA, repaid 30 Aug 2027 | Bonds and bills | 9.07% | 20.04 | 20,00,000 | 8.08% | Jul 2025 |
| 8.33% Tata Projects LimitedFITCH AA, 8.33% coupon, repaid 24 Jun 2027 | Bonds and bills | 9.05% | 19.99 | 20,00,000 | 8.18% | Jul 2025 |
| 7.75% Power Finance Corporation LimitedCRISIL AAA, 7.75% coupon, repaid 11 Jun 2030 | Bonds and bills | 9.02% | 19.91 | 20,00,000 | 7.87% | Dec 2025 |
| 7.9% Truhome Finance LimitedFITCH AA, repaid 8 Aug 2028 | Bonds and bills | 8.95% | 19.77 | 20,00,000 | 8.56% | Nov 2025 |
| 7.76% Aadhar Housing Finance LimitedICRA AA+, repaid 30 Nov 2028 | Bonds and bills | 8.90% | 19.67 | 20,00,000 | 8.64% | Jun 2026 |
| 7.51% Tata Housing Development Company LimitedCARE AA, repaid 8 Dec 2028 | Bonds and bills | 8.89% | 19.63 | 20,00,000 | 8.44% | Jan 2026 |
| 7.99% Godrej Seeds & Genetics LimitedCRISIL AA, 7.99% coupon, repaid 26 Mar 2029 | Bonds and bills | 6.69% | 14.77 | 15,00,000 | 8.66% | Jun 2026 |
| 7.85% Muthoot Finance LimitedCRISIL AA+, 7.85% coupon, repaid 22 Feb 2029 | Bonds and bills | 6.64% | 14.67 | 15,00,000 | 8.87% | Jun 2026 |
| 10.7% AU Small Finance Bank LimitedICRA AA, repaid 23 Feb 2029 | Bonds and bills | 4.72% | 10.42 | 10,00,000 | 9.10% | Feb 2026 |
| 6.68% GOI (MD 07/07/2040)SOVEREIGN, 6.68% coupon, repaid 7 Jul 2040 | Bonds and bills | 4.28% | 9.45 | 10,00,000 | 7.46% | Apr 2026 |
| 6.01% GOI (MD 21/07/2030)SOVEREIGN, 6.01% coupon, repaid 21 Jul 2030 | Bonds and bills | 2.64% | 5.83 | 6,00,000 | 6.97% | Dec 2025 |
| 7.68% Godrej Seeds & Genetics LimitedCRISIL AA, 7.68% coupon, repaid 28 Jul 2028 | Bonds and bills | 2.23% | 4.92 | 5,00,000 | 8.60% | Jul 2025 |
| Bank of BarodaCARE A1+, repaid 5 Mar 2027 | Bonds and bills | 2.20% | 4.86 | 5,00,000 | 6.84% | Jul 2026 |
| Corporate Debt Market Development Fund Class A2 | Fund units | 0.77% | 1.70 | 1,413 | – | Oct 2023or earlier |
| 7.18% GOI (MD 14/08/2033)SOVEREIGN, 7.18% coupon, repaid 14 Aug 2033 | Bonds and bills | 0.27% | 0.61 | 60,300 | 7.24% | Apr 2025 |
Weight is per cent of the fund's net assets; value in ₹ crore. 1 line filed with no weight is listed without one.
Cash and receivables on 30 Sep 2026
| Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. | ||
|---|---|---|
| Triparty Repo TRP_011026 | 13.72% | 30.29 |
| Net Current Assets | 1.96% | 4.31 |
| Cash Margin - CCIL | – | 0.00 |
Weight is per cent of the fund's net assets; value in ₹ crore. 1 line filed with no weight is listed without one.
- Largest holdingLargest holding. The share of the fund in its single largest position, cash and futures not counted as positions.
- 9.07%8.35% Aditya Birla Real Estate Limited
- Top 5 holdingsTop 5 holdings. The share of the fund held in its five largest positions.
- 44.99%
- Top 10 holdingsTop 10 holdings. The share of the fund held in its ten largest positions.
- 76.21%
- Effective holdingsEffective number of holdings. The number of equal-sized positions that would be as concentrated as the fund's actual weights.
- 11.3Taken over 84.32% of the fund
Asset allocation
Asset allocation. What the fund owns, by kind of asset, each as a share of its net assets; futures and options are shown beside it, not in it, since they are contracts rather than assets bought.- Bonds and bills83.55%
- Units of other funds0.77%
- Cash and receivables15.68%
Per cent of the fund's net assets.
Credit rating
Credit rating. A rating agency's grade for how likely the borrower is to repay on time: AAA down to D for loans of over a year, A1+ down to A4 for loans of under a year, two scales that are never compared.Loans of over a year
- Sovereign7.19%
- AAA9.02%
- AA65.14%
Loans of under a year
- A1+2.20%
Other
- Overnight lending13.72%
Per cent of the fund's net assets. A grade is stated for 100.00% of the bonds.
Maturity profile
Maturity profile. The fund's bonds grouped by how long until each is repaid, as a share of the fund's net assets; a bond with no known maturity date is left off.- Up to 1 month13.72%
- 1 to 3 monthsNone
- 3 to 6 months2.20%
- 6 to 12 months18.12%
- 1 to 3 years47.02%
- 3 to 5 years11.66%
- 5 to 10 years0.27%
- Over 10 years4.28%
Per cent of the fund's net assets, over the bonds whose maturity date is known; perpetual bonds have none.
- Largest borrowerLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 9.07%Aditya Birla Real Estate Limited
- Top 5 borrowersLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 45.01%
- Top 10 borrowersLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 76.36%
Per cent of the fund's net assets. Lent outside the government: 76.36% of the fund, to 10 borrowers; the borrower is named for 100.00% of it, its group for 29.65%.
Bought and sold
Sep 2026 against Aug 2026, position by position.
Positions changed, month by month
- New
- Added
- Trimmed
- Sold out
- New positionsNew positions. Holdings in this month's portfolio that were not in the month before.
- 0
- Sold outSold out. Holdings in last month's portfolio that are gone from this one, other than a bond or deposit repaid on its due date.
- 0
- MaturedMatured. Bonds and deposits whose repayment date fell between the two portfolios, so they were repaid rather than sold. One sold in its last days reads the same.
- 1
- Added toAdded to. Holdings with more units than the month before. Where the fund states no units, a weight that rose by more than a tenth.
- 0
- TrimmedTrimmed. Holdings with fewer units than the month before. Where the fund states no units, a weight that fell by more than a tenth.
- 0
- UnchangedUnchanged. Holdings with the same number of units as the month before. Their weight can still move with the price.
- 15
- Traded at leastTraded at least. The smaller of the weight bought in new positions and the weight sold out of old ones, cash left out: the least the fund must have bought and sold in the month.
- 0.00%
- Weight that movedWeight that moved. Half the sum of every position's change in weight between the two month ends, new and sold positions included; price moves alone raise it.
- 8.96%
Changes in Sep 2026
| What changed. New: not held the month before. Added or trimmed: more or fewer units than the month before, or, where no units are stated, a weight that moved by more than a tenth. Sold out: held the month before, gone now. Matured: a bond or deposit whose repayment date fell between the two portfolios, so it was repaid rather than sold (one sold in its last days reads the same). | Change in weight. The holding's weight this month less its weight the month before, in percentage points; a price move alone changes it. | ||||
|---|---|---|---|---|---|
| 7.99% CEAT Limited | Matured | – | 8.93% | −8.93 pts | – |
Weights are per cent of the fund's net assets; a change in weight is in percentage points.
Holdings month by month
| Holding | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 | Apr 26 | May 26 | Jun 26 | Jul 26 | Aug 26 | Sep 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8.35% Aditya Birla Real Estate Limited | 7.90% | 7.96% | 8.16% | 8.32% | 8.41% | 8.57% | 8.67% | 8.72% | 8.72% | 8.84% | 8.96% | 9.07% |
| 8.33% Tata Projects Limited | 7.90% | 7.97% | 8.16% | 8.33% | 8.43% | 8.60% | 8.71% | 8.74% | 8.70% | 8.81% | 8.93% | 9.05% |
| 7.75% Power Finance Corporation Limited | – | – | 8.30%Bought | 8.41% | 8.52% | 8.64% | 8.71% | 8.75% | 8.85% | 8.92% | 8.95% | 9.02% |
| 7.9% Truhome Finance Limited | – | 7.88%Bought | 8.09% | 8.25% | 8.35% | 8.46% | 8.55% | 8.59% | 8.60% | 8.69% | 8.80% | 8.95% |
| 7.76% Aadhar Housing Finance Limited | – | – | – | – | – | – | – | – | 8.60%Bought | 8.70% | 8.81% | 8.90% |
| 7.51% Tata Housing Development Company Limited | – | – | – | 8.20%Bought | 8.30% | 8.46% | 8.55% | 8.59% | 8.61% | 8.71% | 8.80% | 8.89% |
| 7.99% Godrej Seeds & Genetics Limited | – | – | – | – | – | – | – | – | 6.47%Bought | 6.54% | 6.62% | 6.69% |
| 7.85% Muthoot Finance Limited | – | – | – | – | – | – | – | – | 6.43%Bought | 6.49% | 6.57% | 6.64% |
| 10.7% AU Small Finance Bank Limited | – | – | – | – | 4.44%Bought | 4.50% | 4.53% | 4.55% | 4.56% | 4.60% | 4.67% | 4.72% |
| 6.68% GOI (MD 07/07/2040) | – | – | – | – | – | – | 6.14%Bought | 6.19% | 12.66%Added | 8.53%Cut | 4.31%Cut | 4.28% |
| 6.01% GOI (MD 21/07/2030) | – | – | 7.99%Bought | 8.18% | 8.29% | 2.50%Cut | 2.55% | 2.56% | 2.57% | 2.60% | 2.64% | 2.64% |
| 7.68% Godrej Seeds & Genetics Limited | 1.95% | 1.96% | 2.01% | 2.05% | 2.07% | 2.11% | 2.13% | 2.15% | 2.15% | 2.18% | 2.20% | 2.23% |
| Bank of Baroda | – | – | – | – | – | – | – | – | – | 2.11%Bought | 2.16% | 2.20% |
| Corporate Debt Market Development Fund Class A2 | 0.63% | 0.64% | 0.66% | 0.68% | 0.69% | 0.71% | 0.72% | 0.73% | 0.73% | 0.74% | 0.75% | 0.77% |
| 7.18% GOI (MD 14/08/2033) | 5.50% | 5.56% | 5.68% | 1.54%Cut | 1.56% | 1.56% | 1.59% | 0.72%Cut | 0.27%Cut | 0.27% | 0.27% | 0.27% |
Per cent of the fund's net assets at each month end, Oct 2025 to Sep 2026. Under it, the change on the fund's previous month. "After a gap" is a holding after a month with no portfolio on record, so when it was bought is not known; "Not filed" is one gone across such a gap.
Risk ratios
NAV to 23 Oct 2026
Each bar runs from the lowest to the highest figure among the Regular plans of Credit Risk funds (13 funds) over the same 3 years; the tick is their average and the dot this fund.
How much the NAV moves
Standard deviationStandard deviation. How far the fund's monthly returns spread around their average, stated as a yearly figure: the wider the spread, the more the NAV moves.1.29%
1.04%Lowest2.55%Average7.42%Highest
Downside deviationDownside deviation. Standard deviation counting only the months in which the fund lost money, stated as a yearly figure.0.14%
0.00%Lowest0.13%Average0.51%Highest
Sharpe ratioSharpe ratio. The monthly return above the 91-day Treasury bill yield, divided by its standard deviation and stated for a year: the extra return for each unit of movement in the NAV.0.09
0.09Lowest1.16Average1.87Highest
Sortino ratioSortino ratio. The monthly return above the 91-day Treasury bill yield, divided by how far it fell below that yield and stated for a year: the extra return for each unit of movement on the way down.0.15
0.15Lowest5.40Average15.57Highest
Largest falls
| Largest over | FallLargest fall. The biggest drop in NAV from a high to the low that followed, before the NAV went back above that high. | High on | Low on | Back at the highBack at the high. The first day the NAV closed at or above the high it had fallen from. |
|---|---|---|---|---|
| 1 and 3 years | −0.49% | 7 May 2026 | 21 May 2026 | 5 Jun 2026 |
| 5 years | −1.14% | 7 Apr 2022 | 6 May 2022 | 29 Jul 2022 |
| Since Mar 2017 | −2.65% | 6 Mar 2020 | 24 Mar 2020 | 18 Jun 2020 |
Risk level by month
| Months | FundRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month. | BenchmarkBenchmark's risk level. The riskometer level of the fund's benchmark index for the same month, on the same six-step scale as the fund's own. |
|---|---|---|
| May 2024 to Aug 202628 months | Moderately High | Moderately HighNIFTY Credit Risk Bond Index B-II |
| Mar 2024 to Apr 20242 months | Moderately High | ModerateNIFTY Credit Risk Bond Index B-II |
| Feb 20241 month | Moderately High | NIFTY Credit Risk Bond Index B-II |
| Aug 2022 to Jan 202418 months | Moderately High | HighCRISIL Credit Risk Debt B-II Index |
| Apr 2022 to Jul 20224 months | Moderate | HighCRISIL Credit Risk Debt B-II Index |
| Mar 20221 month | Moderate | CRISIL Credit Risk Debt B-II Index |
| Oct 2021 to Feb 20225 months | Moderate | Moderately HighCRISIL Credit Risk Debt B-II Index |
The riskometer at each month end, the fund's and its benchmark's. A month with none on record is left out.
Bandhan Credit Risk Fund managers
Managers now
| Manager | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. | Portfolio changed after the handover. How much of the portfolio was different three months after the manager took over: half the sum of every holding's change in weight, with each side's holdings scaled to add up to 100 so a move into cash does not count. | Portfolio changed before the handover. The same measure over the three months before the manager took over, since portfolios change anyway. | Assets the manager runs. The latest monthly size of every fund the manager runs now, added up; a fund run with others counts in full for each of its managers, and the line under it counts only the funds they run alone. | ||
|---|---|---|---|---|---|---|---|---|
| Gautam KaulPrimary | Jul 2022 | +5.93%a year | – | – | 77.7% | 28.6% | 13 | ₹52,675 Cr₹46 Cr alone |
| Debraj LahiriPrimary | Apr 2023 | +5.89%a year | – | – | 43.2% | 17.1% | 2 | ₹445 Cr |
Returns are the regular plan's growth NAV, from the day each took over to the latest NAV, beside the benchmark over the same days.
Other funds they run
| Fund | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. | ||
|---|---|---|---|---|---|
| Bandhan Money Market FundGautam Kaul | Dec 2021 | +6.24%a year | – | – | ₹13,581 Cr |
| Bandhan Corporate Bond FundGautam Kaul | Dec 2021 | +5.81%a year | – | – | ₹13,509 Cr |
| Bandhan Banking and PSU Debt FundGautam Kaul | Dec 2021 | +5.99%a year | – | – | ₹11,891 Cr |
| Bandhan Crisil IBX Gilt June 2027 Index FundGautam Kaul | Dec 2021 | +5.71%a year | – | – | ₹5,184 Cr |
| Bandhan Multi Asset Allocation FundGautam Kaul | Jan 2024 | +12.91%a year | – | – | ₹3,676 Cr |
| Bandhan Crisil IBX Gilt April 2028 Index FundGautam Kaul | Dec 2021 | +5.75%a year | – | – | ₹3,369 Cr |
| Bandhan Crisil IBX Gilt April 2032 Index FundGautam Kaul | – | – | – | ₹408 Cr | |
| Bandhan Crisil IBX 90:10 SDL Plus Gilt - April 2032 Index FundGautam Kaul | – | – | – | ₹381 Cr | |
| Bandhan Retirement FundGautam Kaul | Jul 2023 | – | – | – | ₹175 Cr |
| Bandhan Crisil IBX 90:10 SDL Plus Gilt - September 2027 Index FundGautam Kaul | – | – | – | ₹144 Cr |
Up to ten funds a manager, largest first. Returns are the regular plan's.
Portfolio overlap
Funds holding the most of the same securities, by weight.
Closest funds in the category
| Portfolio overlap. The share of the two funds' portfolios that is the same: for every holding they share, the smaller of its two weights, added up. | Shared holdings. The number of securities both funds hold, cash and futures left out. | |
|---|---|---|
| Invesco India Credit Risk FundInvesco Mutual Fund | 15.77% | 4 |
| Bank of India Credit Risk FundBank of India Mutual Fund | 9.74% | 2 |
| HSBC Credit Risk FundHSBC Mutual Fund | 5.36% | 3 |
| DSP Credit Risk FundDSP Mutual Fund | 5.05% | 2 |
| SBI Credit Risk FundSBI Mutual Fund | 3.82% | 3 |
| UTI Credit Risk FundUTI Mutual Fund | 3.62% | 2 |
| ICICI Prudential Credit Risk FundICICI Prudential Mutual Fund | 2.42% | 4 |
| Kotak Credit Risk FundKotak Mahindra Mutual Fund | 1.35% | 2 |
Portfolios for Sep 2026. Overlap is per cent of the portfolio the two funds hold in common.
Overlap with the fund house's other funds
| Portfolio overlap. The share of the two funds' portfolios that is the same: for every holding they share, the smaller of its two weights, added up. | |
|---|---|
| Bandhan Floating Rate FundBandhan Mutual Fund | 13.87% |
| Bandhan 10 year Constant Maturity Gilt FundBandhan Mutual Fund | 4.63% |
| Bandhan Banking and PSU Debt FundBandhan Mutual Fund | 2.36% |
| Bandhan Corporate Bond FundBandhan Mutual Fund | 1.04% |
| Bandhan Dynamic Term FundBandhan Mutual Fund | 0.00% |
| Bandhan Liquid FundBandhan Mutual Fund | 0.00% |
| Bandhan Money Market FundBandhan Mutual Fund | 0.00% |
| Bandhan Overnight FundBandhan Mutual Fund | 0.00% |
| Bandhan Ultra Short Term FundBandhan Mutual Fund | 0.00% |
| Bandhan Ultra Short to Short Term FundBandhan Mutual Fund | 0.00% |
As the fund house states it, for Sep 2026.
Bandhan Credit Risk Fund dividend history
Paid through the IDCW (income distribution cum capital withdrawal) option, once called a dividend.Every fund's payouts
Regular IDCW planIDCW payout. Rupees paid out per unit to holders on the record date; the money comes out of the fund, so the plan's NAV falls by the same amount.This plan keeps its gains invested and pays nothing out. The Regular IDCW plan has made 40 payouts since Jun 2018, the latest on 29 Sep 2026.
Changes to the fund
Newest first.
2026
- 1 AprExpenseExpense ratio stated under the new rules: a base ratio, with brokerage, levies and GST on top
2024
- 31 MarBenchmarkBenchmark: CRISIL Credit Risk Debt B-II Index to NIFTY Credit Risk Bond Index B-II
2021
- 31 DecBenchmarkBenchmark: Nifty AA Short Duration Bond(65.00), Nifty AAA Short Duration Bond(35.00) to CRISIL Credit Risk Debt B-II Index
Earlier, 2019 to 2019Hide earlier
2019
- 30 NovBenchmarkBenchmark: CRISIL Composite AA Medium Term Bond(80.00), CRISIL AAA ST Bond Index(20.00) to Nifty AA Short Duration Bond(65.00), Nifty AAA Short Duration Bond(35.00)
Fund details
Objective
The Fund seeks to generate returns by investing predominantly in AA and below rated corporate debt securities across maturities.
Asset allocation
- Corporate bonds (including securitised debt) rated AA*/ equivalent and below (including unrated securities) - 65% – 100%, Other Debt Securities (including securitised debt and Government Securities), Money Market Instruments and Units issued by InvITs, within which - 0% – 35%, Units issued by InvITs - 0% - 10% * excludes AA+/equivalent rated corporate bonds
Type of scheme
An open ended debt scheme predominantly investing in AA and below rated corporate bonds. A Scheme with Relatively High Interest Rate Risk and Moderate Credit Risk.
- BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back.
- NIFTY Credit Risk Bond Index B-II
- Second benchmarkSecond benchmark. An additional index the fund house chose to compare the fund with, beside the first benchmark, which every fund of its category shares.
- 65% NIFTY AA Short Duration Bond Index + 35% NIFTY AAA Short Duration Bond Index
- Potential risk classPotential risk class. The most risk a debt fund says it may take, as a letter and a numeral: the letter is credit risk, from A (relatively low) to C (relatively high), and the numeral is interest rate risk, from I (relatively low) to III (relatively high).
- B-III
- Risk level at launchRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month.
- Moderately High
- New fund offer
- 14 Feb 2017 to 27 Feb 2017
- Units first allotted
- 3 Mar 2017
- Open for sale again
- 6 Mar 2017
- Price at the offer
- ₹10 a unit
- Minimum at the offer
- ₹5,000
Plans and codes
| Plan | AMFI code | ISIN | ISIN, reinvestment | MUTF_IN | First NAV |
|---|---|---|---|---|---|
| Direct Growth | 140603 | INF194KA1X61 | BAND_CRED_RISK_1GO0IZK | 6 Mar 2017 | |
| Regular Growth | 140609 | INF194KA1W39 | BAND_CRED_RISK_I3L1VK | 6 Mar 2017 | |
| Direct IDCW | 140604 | INF194KA1W70 | INF194KA1W88 | BAND_CRED_RISK_1OLRZ2B | 6 Mar 2017 |
| Regular IDCW | 140607 | INF194KA1V48 | INF194KA1V55 | BAND_CRED_RISK_1RXPCGQ | 6 Mar 2017 |
This fund
- Scheme information documentThe fund's objective, terms, costs and risks in full
Factsheet
- October 2026Bandhan Mutual Fund, Sep 2026
Statement of additional information
- SAI Bandhan Mutual FundBandhan Mutual Fund, Oct 2026
Annual report
- Abridged Annual Report - Set 1 - Debt SchemesBandhan Mutual Fund, Mar 2026
- Abridged Annual Report - Set 2 - Equity SchemesBandhan Mutual Fund, Mar 2026
- Abridged Annual Report - Set 3 - Fixed Term PlansBandhan Mutual Fund, Mar 2026
- Abridged Annual Report - Set 4 - Fund of Funds SchemesBandhan Mutual Fund, Mar 2026
Riskometer disclosure
- Annual changes in Risk-o-meterBandhan Mutual Fund, Mar 2026
Portfolio overlap disclosure
- Portfolio Overlap - 30-Sep-2026Bandhan Mutual Fund, Sep 2026