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Fund Overview

Fund Size

Fund Size

₹359 Cr

Expense Ratio

Expense Ratio

0.67%

ISIN

ISIN

INF194KA1X61

Minimum SIP

Minimum SIP

₹1,000

Exit Load

Exit Load

1.00%

Inception Date

Inception Date

03 Mar 2017

About this fund

Bandhan Credit Risk Fund Direct Growth is a Credit Risk mutual fund schemes offered by Bandhan Mutual Fund. This fund has been in existence for 7 years, 1 months and 14 days, having been launched on 03-Mar-17.
As of 16-Apr-24, it has a Net Asset Value (NAV) of ₹16.09, Assets Under Management (AUM) of 359.23 Crores, and an expense ratio of 0.67%.
  • Bandhan Credit Risk Fund Direct Growth has given a CAGR return of 6.91% since inception.
  • The fund's asset allocation comprises around 0.00% in equities, 94.75% in debts, and 4.84% in cash & cash equivalents.
  • You can start investing in Bandhan Credit Risk Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+6.81%

+6.53%(Cat. Avg.)

3 Years

+5.74%

+8.97%(Cat. Avg.)

5 Years

+6.76%

+4.68%(Cat. Avg.)

Since Inception

+6.91%

--%(Cat. Avg.)

Portfolio Summaryas of 31st March 2024

Debt340.39 Cr94.75%
Others18.84 Cr5.25%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
7.18% Govt Stock 2037Bond - Gov't/Treasury55.42 Cr15.43%
Century Textiles And Industried LimitedBond - Corporate Bond39.94 Cr11.12%
Godrej Industries LimitedBond - Corporate Bond39.51 Cr11.00%
Tata Projects LimitedBond - Corporate Bond30.06 Cr8.37%
Bharti Telecom LimitedBond - Corporate Bond25.01 Cr6.96%
TVS Credit Services LimitedBond - Corporate Bond24.82 Cr6.91%
Au Small Finance Bank LimitedBond - Corporate Bond20.38 Cr5.67%
Nirma Limited 8.3%Bond - Corporate Bond20.03 Cr5.58%
Aadhar Housing Finance LtdBond - Corporate Bond19.92 Cr5.55%
The Tata Power Company LimitedBond - Corporate Bond17.95 Cr5.00%
Godrej Housing Finance LimitedBond - Corporate Bond14.96 Cr4.16%
7.18% Govt Stock 2033Bond - Gov't/Treasury14.12 Cr3.93%
Net Current AssetsCash11.28 Cr3.14%
FIRST BUSINESS RECEIVABLES TRUSTBond - Asset Backed6.61 Cr1.84%
Triparty RepoCash - Repurchase Agreement6.12 Cr1.70%
FIRST BUSINESS RECEIVABLES TRUSTBond - Asset Backed5.88 Cr1.64%
FIRST BUSINESS RECEIVABLES TRUSTBond - Asset Backed5.77 Cr1.61%
Corporate Debt Market Development Fund Class A2Mutual Fund - Open End1.44 Cr0.40%
Cash Margin - CcilCash - Collateral0 Cr0.00%

Allocation By Credit Quality (Debt)

AAA

AA

Other Allocation

Equity Sector

Debt & Others

InstrumentsAmount sortHoldings sort
Bond - Corporate Bond252.59 Cr70.31%
Bond - Gov't/Treasury69.54 Cr19.36%
Bond - Asset Backed18.26 Cr5.08%
Cash11.28 Cr3.14%
Cash - Repurchase Agreement6.12 Cr1.70%
Mutual Fund - Open End1.44 Cr0.40%
Cash - Collateral0 Cr0.00%

Risk & Performance Ratios

Standard Deviation

This fund

1.06%

Cat. avg.

7.99%

Lower the better

Sharpe Ratio

This fund

0.40

Cat. avg.

0.39

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

7.82

Higher the better

Fund Managers

GK

Gautam Kaul

Since July 2022

SB

Sreejith Balasubramanian

Since August 2023

DL

Debraj Lahiri

Since April 2023

Additional Scheme Detailsas of 31st March 2024

ISININF194KA1X61Expense Ratio0.67%Exit Load1.00%Fund Size₹359 CrAge03 Mar 2017Lumpsum Minimum₹1,000Fund StatusOpen Ended Investment CompanyBenchmarkNifty Credit Risk Bond B-II TR INR

Investment ObjectiveInvestment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Withdrawal (irrespective of holding period)

Realised Gain (capital gains) are taxed at your marginal income tax rate

Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Credit Risk Funds

Fund nameExpense RatioExit LoadFund size
1Y
Bandhan Credit Risk Fund Regular Growth

Moderately High risk

1.7%1.0%₹359.23 Cr5.8%
Bandhan Credit Risk Fund Direct Growth

Moderately High risk

0.7%1.0%₹359.23 Cr6.8%
Aditya BSL Credit Risk Fund Regular Growth

Moderately High risk

1.6%3.0%₹983.67 Cr6.9%
Aditya BSL Credit Risk Fund Direct Growth

Moderately High risk

0.7%3.0%₹983.67 Cr7.9%
Baroda BNP Paribas Credit Risk Fund Regular Growth

Moderately High risk

1.6%1.0%₹153.57 Cr7.5%
Baroda BNP Paribas Credit Risk Fund Direct Growth

Moderately High risk

0.8%1.0%₹153.57 Cr8.3%
UTI Credit Risk Fund Regular Growth

Moderately High risk

1.6%1.0%₹395.91 Cr6.6%
Nippon India Credit Risk Fund Regular Growth

High Risk

1.6%1.0%₹1024.31 Cr7.8%
SBI Credit Risk Fund Regular Growth

High Risk

1.6%3.0%₹2506.12 Cr6.9%
DSP Credit Risk Fund Regular Growth

Moderately High risk

1.1%1.0%₹195.23 Cr15.2%

About the AMC

Total AUM

₹1,41,295 Cr

Address

6th Floor, 841, One World Center, Mumbai, 400013

Other Funds by Bandhan Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
Bandhan Multi Asset Allocation Fund Direct Growth

Very High Risk

0.7%0.0%₹1325.49 Cr-
Bandhan Nifty Smallcap 250 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹25.29 Cr-
Bandhan Nifty Alpha 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹38.41 Cr-
Bandhan Retirement Fund Direct Growth

Very High Risk

0.8%0.0%₹155.50 Cr-
Bandhan Nifty IT Index Fund Direct Growth

Very High Risk

0.4%0.0%₹18.27 Cr-
Bandhan Interval Fund - Series 17 Direct Growth

Moderate Risk

-0.0%--
Bandhan Fixed Term Plan Series 197 Direct Growth

Moderate Risk

-0.0%--
Bandhan Fixed Term Plan Series 179 Direct Growth

Moderate Risk

-0.0%₹286.43 Cr7.5%
Bandhan Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹1833.81 Cr6.8%
Bandhan Liquid Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹16934.43 Cr7.4%
Bandhan Core Equity Fund Direct Growth

Very High Risk

0.7%1.0%₹4022.92 Cr55.5%
Bandhan Dynamic Bond Fund Direct Growth

Moderate Risk

0.8%0.0%₹2337.12 Cr7.4%
Bandhan Large Cap Fund Direct Growth

Very High Risk

0.9%0.0%₹1380.13 Cr36.2%
Bandhan Asset Allocation FOF Aggressive Plan Direct Growth

High Risk

0.5%1.0%₹17.50 Cr28.7%
Bandhan Government Securities Fund Investment Plan Direct Growth

Moderate Risk

0.5%0.0%₹1661.19 Cr7.7%
Bandhan Focused Equity Fund Direct Growth

Very High Risk

0.8%1.0%₹1507.84 Cr38.3%
Bandhan Government Securities Fund - Constant Maturity Plan Direct Growth

Moderate Risk

0.3%0.0%₹341.17 Cr7.3%
Bandhan Infrastructure Fund Direct Growth

Very High Risk

0.9%0.0%₹1043.20 Cr79.5%
Bandhan Regular Savings Fund Direct Growth

Moderately High risk

1.2%0.0%₹119.35 Cr10.8%
Bandhan Bond Fund - Medium Term Plan Direct Growth

Moderate Risk

0.8%0.0%₹1643.53 Cr6.6%
Bandhan Bond Fund - Income Plan Direct Growth

Moderate Risk

1.3%1.0%₹495.10 Cr6.3%
Bandhan Money Manager Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹4386.58 Cr7.7%
Bandhan Bond Fund - Short Term Plan Direct Growth

Moderate Risk

0.3%0.0%₹8711.61 Cr7.1%
Bandhan Nifty 50 Index Fund Direct Growth

Very High Risk

0.1%0.0%₹1179.84 Cr25.5%
Bandhan Sterling Value Fund Direct Growth

Very High Risk

0.7%1.0%₹8569.07 Cr45.1%
Bandhan Flexi Cap Fund Direct Growth

Very High Risk

1.1%1.0%₹6807.21 Cr35.0%
Bandhan Crisil IBX Gilt November 2026 Index Fund Direct Growth

Moderate Risk

0.2%0.0%₹113.64 Cr6.9%
Bandhan Tax Advantage (ELSS) Fund Direct Growth

Very High Risk

0.5%0.0%₹6252.84 Cr39.1%
Bandhan Low Duration Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹5077.10 Cr7.3%
Bandhan Asset Allocation FOF Conservative Plan Direct Growth

Moderately High risk

0.3%1.0%₹6.30 Cr13.3%
Bandhan Crisil IBX Gilt April 2026 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹480.65 Cr6.9%
Bandhan Multi Cap Fund Direct Growth

Very High Risk

0.5%1.0%₹1972.48 Cr42.9%
Bandhan Financial Services Fund Direct Growth

Very High Risk

0.7%0.0%₹748.74 Cr-
Bandhan Floating Rate Fund Direct Growth

Moderate Risk

0.3%0.0%₹213.67 Cr7.1%
Bandhan Arbitrage Fund Direct Growth

Low Risk

0.4%0.0%₹5768.36 Cr8.5%
Bandhan US Equity Fund of Fund Direct Growth

Very High Risk

1.2%1.0%₹305.99 Cr42.9%
Bandhan CRISIL IBX Gilt June 2032 Index Fund Direct Growth

Moderate Risk

-0.0%₹385.01 Cr7.4%
Bandhan Crisil IBX Gilt September 2027 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹167.42 Cr7.0%
Bandhan Crisil IBX Gilt April 2032 Index Fund Direct Growth

Moderate Risk

0.2%0.0%₹352.11 Cr8.1%
Bandhan Ultra Short Term Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹3633.48 Cr7.5%
Bandhan Asset Allocation FOF Moderate Plan Direct Growth

High Risk

0.4%1.0%₹18.04 Cr21.1%
Bandhan Equity Savings Fund Direct Growth

Low to Moderate Risk

0.5%0.0%₹106.02 Cr12.1%
Bandhan US Treasury Bond 0-1 year Fund of Fund Direct Growth

Very High Risk

0.2%0.0%₹161.04 Cr6.8%
Bandhan Nifty100 Low Volatility 30 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹494.55 Cr34.0%
Bandhan All Seasons Bond Fund Direct Growth

Moderate Risk

0.1%0.0%₹119.89 Cr6.9%
Bandhan Nifty200 Momentum 30 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹63.04 Cr66.7%
Bandhan Emerging Businesses Fund Direct Growth

Very High Risk

0.4%1.0%₹4384.90 Cr75.4%
Bandhan Hybrid Equity Fund Direct Growth

Very High Risk

1.0%1.0%₹691.03 Cr27.3%
Bandhan Nifty 100 Index Fund Direct Growth

Very High Risk

0.1%0.0%₹116.49 Cr30.8%
Bandhan Credit Risk Fund Direct Growth

Moderately High risk

0.7%1.0%₹359.23 Cr6.8%

Risk Level

Your principal amount will be at Moderately High risk

Moderately High risk
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The NAV of Bandhan Credit Risk Fund Direct Growth, as of 16-Apr-2024, is ₹16.09.
The fund has generated 6.81% over the last 1 year and 5.74% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 0.00% in equities, 94.75% in bonds, and 4.84% in cash and cash equivalents.
The fund managers responsible for Bandhan Credit Risk Fund Direct Growth are:-
  1. Gautam Kaul
  2. Sreejith Balasubramanian
  3. Debraj Lahiri