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Bandhan Credit Risk Fund(IDCW-Reinv)

IDCW
DebtCredit Risk Fund
Small-size FundAssets Under Mgmt: ₹ 289 Cr
Moderately High RiskPrinciple investment will be at moderately high risk
12.550.09% (+0.01)

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Returns
0.00%
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DebtCredit Risk Fund
Small-size FundAssets Under Mgmt: ₹ 289 Cr
Moderately High RiskPrinciple investment will be at moderately high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.687.972.52
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.168.244.50

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs1.00%
1% on or before 365D
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Allowed₹ 1,000
Initial: ₹ 1,000 Incremental: ₹ 1,000
BenchmarkBenchmark
NIFTY Credit Risk Bond Index

About Credit Risk Fund

Credit risk funds are the debt funds which majorly lend money to low rated companies. The companies have to pay higher interest for their low rating which makes the fund more riskier as compared to other debt funds.

Peers & Comparison

Comparing 3 mutual funds from 
DebtCredit Risk Fund
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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
Bandhan Credit Risk Fund(IDCW-Reinv)7.20%6.24%2.87%
HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)0.29%0.05%0.66%
ICICI Pru Credit Risk Fund(Q-IDCW Payout)-0.51%0.59%1.12%
SBI Credit Risk Fund(IDCW-Payout)8.56%7.73%5.19%

Price Comparison

Compare Bandhan Credit Risk Fund(IDCW-Reinv) with any MF, ETF, stock or index
Compare Bandhan Credit Risk Fund(IDCW-Reinv) with any MF, ETF, stock or index
Bandhan Credit Risk Fund(IDCW-Reinv)
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Asset Allocation

Actual

Target

Jun 2024

Sep 2024

Dec 2024

Feb 2025

ACTUAL
Cash & EquivalentsGovernment SecuritiesCorporate Debt0.54%3.21%20.13%76.13%

Jun 2024

Sep 2024

Dec 2024

Feb 2025

Tickertape Separator

Sector Distribution

+5 moreInvestment Banking & BrokerageHome FinancingConstruction & EngineeringG-SecDiversified Chemicals22.81 %8.64 %10.38 %15.56 %20.13 %22.48 %

Jun 2024

Sep 2024

Dec 2024

Feb 2025

Tickertape Separator

Sector Weightage

Dec 23Mar 24Jun 24Sep 24Dec 24Feb 2520.52%22.12%23.17%21.68%22.30%22.48%
Diversified Chemicals as a % of total holdings for last six quarters
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Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change

AMC Profile

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Fund Manager Profile

Gautam Kaul

AUM:  ₹54,044.17 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 9yrs

Debraj Lahiri

AUM:  ₹556.90 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 13yrs

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

Investment frequency

Monthly

One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
Annual Income
As per the tax implications, in some cases, tax on MF returns depends on your annual income slab

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Opinions and Fund Reviews

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Frequently asked questions

  1. What is the current price / NAV of Bandhan Credit Risk Fund(IDCW-Reinv)?

    The current NAV of Bandhan Credit Risk Fund(IDCW-Reinv) is ₹12.55, as of 10th March 2025.

  2. What are the returns of Bandhan Credit Risk Fund(IDCW-Reinv)?

    The Bandhan Credit Risk Fund(IDCW-Reinv) was launched on 3rd March 2017. This mutual fund's past returns are as follows:
    • 1 Year Returns: 7.20%
    • 3 Year Returns: 6.24%
    • 5 Year Returns: -0.25%

  3. What are the top 5 sectoral holdings of Bandhan Credit Risk Fund(IDCW-Reinv)?

    The top sectors Bandhan Credit Risk Fund(IDCW-Reinv) has invested in are as follows:
    • Diversified Chemicals | 22.48%
    • G-Sec | 20.13%
    • Construction & Engineering | 15.56%
    • Home Financing | 10.38%
    • Investment Banking & Brokerage | 8.64%
    This data is as on 10th March 2025.

  4. What are the top 5 holdings of Bandhan Credit Risk Fund(IDCW-Reinv)?

    The top 5 holdings for Bandhan Credit Risk Fund(IDCW-Reinv) are as follows:
    • 7.18% Government of India | 18.36%
    • 8.1% Century Textiles & Industries Limited ** | 13.80%
    • 8.43% Tata Projects Limited ** | 10.39%
    • 8.42% Godrej Industries Limited ** | 8.68%
    • 8.3% TVS Credit Services Limited ** | 8.64%
    This data is as on 10th March 2025.

  5. What is the asset allocation of Bandhan Credit Risk Fund(IDCW-Reinv)?

    The asset allocation for Bandhan Credit Risk Fund(IDCW-Reinv) is as follows:
    • Corporate Debt | 76.13%
    • Government Securities | 20.13%
    • Cash & Equivalents | 3.21%
    • N/A | 0.54%
    This data is as on 10th March 2025.

  6. What is the AUM of Bandhan Credit Risk Fund(IDCW-Reinv)?

    The AUM (i.e. assets under management) of Bandhan Credit Risk Fund(IDCW-Reinv) is ₹289.46 Cr as of 10th March 2025.

  7. What is the expense ratio of Bandhan Credit Risk Fund(IDCW-Reinv)?

    The expense ratio of Bandhan Credit Risk Fund(IDCW-Reinv) Plan is 0.68 as of 10th March 2025.

  8. What is the volatility or standard deviation of Bandhan Credit Risk Fund(IDCW-Reinv)?

    The volatility or standard deviation for the Bandhan Credit Risk Fund(IDCW-Reinv) is 1.14

    Standard deviation measures the volatility or risk associated with the returns of a mutual fund. A higher standard deviation indicates higher volatility, suggesting that the returns of the mutual fund are more spread out from the average. On the other hand, a lower standard deviation implies lower volatility and a more stable performance.

  9. What is the sharpe ratio of Bandhan Credit Risk Fund(IDCW-Reinv)?

    The Sharpe ratio for the Bandhan Credit Risk Fund(IDCW-Reinv) is 2.52

    The Sharpe ratio is a measure of risk-adjusted return that evaluates the performance of a mutual fund, by adjusting for its risk. Higher Sharpe ratio indicates a better risk-adjusted performance. A positive Sharpe ratio indicates that the MF has provided a return in excess of the risk-free rate for the amount of risk taken. Conversely, a negative Sharpe ratio suggests that the MF did not adequately compensate for the risk.

  10. What is the Sortino ratio of Bandhan Credit Risk Fund(IDCW-Reinv)?

    The Sortino Ratio for the Bandhan Credit Risk Fund(IDCW-Reinv) is 0.19

    The Sortino ratio of a mutual fund is a measure of its risk-adjusted return, considering only downside volatility. It helps investors evaluate how well a fund is performing relative to its downside risk. A higher Sortino ratio (value >1) means the fund generates better returns for the downside risk taken.