Sharpe ratio
0.31Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.23%1Y Absolute Return
-0.03%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| BANDHAN Credit Risk Fund-Direct Plan-GrowthFund 5Y annualised return | ₹8,53,178 | ₹7,32,612 | ₹1,20,566 | +6.32% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age9.7 yrs
Fund information
Scheme code140603
ISININF194KA1X61
BenchmarkNIFTY Credit Risk Bond Index B-II
CategoryDebt Scheme - Credit Risk Fund
Expense ratio0.67%
Exit loadExit load of 1% if redeemed within 365 days.
Minimum SIP₹100 SIP
Return comparison
42nd / 86 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.91% | — | — |
| 3M | +1.93% | — | — |
| 6M | +6.48% | — | — |
| 1Y | +5.23% | — | +4.07% |
| 3Y | +7.16% | — | +5.67% |
| 5Y | +6.32% | — | +5.54% |
| Since Launch | +6.94% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.55Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.12%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
2.68How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt96.60%
Cash3.40%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 18 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 12.66% |
| POWER FINANCE CORPORATION LTD. SERIES 203 B 7.75 BD 11JU30 FV10LAC | Financial | Non Convertible Debenture | 8.85% |
| CENTURY TEXTILES AND INDUSTRIES LIMITED 8.35 NCD 30AG27 FVRS1LAC | Materials | Non Convertible Debenture | 8.72% |
| TATA PROJECTS LIMITED SR P 8.33 NCD 24JU27 FVRS1LAC | Industrials | Debenture | 8.7% |
| CEAT LIMITED 7.99 NCD 19SP26 FVRS10LAC | Consumer Discretionary | Debenture | 8.67% |
| TATA HOUSING DEVELOPMENT COMPANY LIMITED SR I 7.51 NCD 08DC28 FVRS1LAC | Industrials | Debenture | 8.61% |
| AADHAR HOUSING FINANCE LIMITED 7.76 NCD 30NV28 FVRS1LAC | Financial | Debenture | 8.6% |
| TRUHOME FINANCE LIMITED SR 39 7.9 NCD 08AG28 FVRS1LAC | Financial | Non Convertible Debenture | 8.6% |
| GODREJ SEEDS & GENETICS LIMITED SR 2 7.99 NCD 26MR29 FVRS1LAC | Consumer Staples | Non Convertible Debenture | 6.47% |
| MUTHOOT FINANCE LIMITED 7.85 NCD 22FB29 FVRS1LAC | Financial | Debenture | 6.43% |
Fund management
BR
Brijesh Shah
Since 2024 · Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he has worked with IDBI Mutual Fund, IndiaBulls Mutual Fund, Mata Securities & Twenty First Century.
Mr. Shah is a Post Graduate Diploma in Finance.
DE
Debraj Lahiri
Since 2023 · Prior to joining Bandhan Mutual Fund, he has worked with ICICI Prudential AMC Ltd, Invesco Asset Management (India) Pvt. Ltd, CARE Ratings and Bank of Baroda
Mr. Lahiri has done B.Tech and MBA
GA
Gautam Kaul
Since 2022 · Prior to joining Bandhan Mutual Fund(formerly IDFC Mutual Fund), he has worked with Edelweiss AMC, Invesco Mutual Fund, Sahara India Asset Management Company Pvt. Ltd, IDBI AMC. and Mata Securities (India) Pvt. Ltd.
Mr. Kaul is a B.Com (H) and MBA (Finance).
Compare similar funds
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Summary
A moderately high-risk debt scheme - credit risk fund. Losses and swings stayed contained — worst fall -2.6%, volatility 1.1%. Top 10 holdings make up 86% — a handful of stocks can swing returns sharply.
Strengths
- Losses and swings stayed contained — worst fall -2.6%, volatility 1.1%.
- Recovered from its worst fall in 3 months.
Weaknesses
- Top 10 holdings make up 86% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderately high risk level.
Risk drivers
- Top 10 holdings = 86% of the portfolio.