Bandhan Credit Risk Fund · Regular · Growth
NAV
₹17.2454
as of 14 Jul 2026
Expense Ratio
1.69%
AUM
₹240 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.59%
- 3Y
- +6.27%
- 5Y
- +5.43%
- Since Inception
- +5.99%
SIP returns (XIRR)
- 1Y
- +5.43%
- 3Y
- +6.07%
- 5Y
- +5.93%
- Since Inception
- +5.84%
What history actually did — last 9 years (Jul 2017 – Jul 2026)
A ₹5,000 monthly SIP for the last 9 years (Jul 2017 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,03,192 today — ₹5,40,000 invested, 5.8% XIRR.
₹5,40,000
Invested
₹7,03,192
Value today
5.8%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 9 years (Jul 2017 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 9 years ago would be ₹1,66,320 today (5.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2017 would still hold ₹9,60,009.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 9 years (Jul 2017 – Jul 2026) (22 Mar 2020) would be ₹1,43,225 today (1.43×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.35
Sharpe Ratio
—
Alpha
—
Beta
-0.37
Sortino
1.06%
Std Dev
-0.49%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.75% Power Finance Corporation Limited **8.75%
- 28.5% Aadhar Housing Finance Limited **8.75%
- 38.33% Tata Projects Limited **8.74%
- 47.99% Ceat Limited **8.73%
- 58.35% Aditya Birla Real Estate Limited **8.72%
- 67.51% Tata Housing Development Company Limited **8.59%
- 77.9% Truhome Finance Limited **8.59%
- 86.68% Goi (Md 07/07/2040)6.20%
- 910.7% Au Small Finance Bank Limited **4.55%
- 10Canara Bank **4.13%
Investment Objective
Bandhan Credit Risk Fund · Regular · Growth by Bandhan Mutual Fund is a Credit Risk fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Credit Risk category.
About This Fund
Bandhan Credit Risk Fund · Regular · Growth is a Credit Risk mutual fund offered by Bandhan Mutual Fund. The fund has been operational for over 9 years. It manages assets worth ₹240 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Credit Risk Bond Index. The current expense ratio is 1.69%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations