Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt

Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt

Debt

Bandhan Mutual Fund

Credit Risk

Get the latest NAV of Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹13.23

▲0.1%1D

NAV as on 21 Aug 2025

8.21%/per year

Since Inception

Absolute Gain%

▲▼

Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt Performance vs. Credit Risk Index

Fund returns vs Benchmark returns vs Category Average returns as on (21-Aug-25)

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.34%
1.7%
5.92%
8.86%
--
--
Credit Risk Avg
0.28%
1.37%
6.24%
10.7%
8.63%
9.47%
Best in Credit Risk
0.61%
2.29%
17.35%
22.96%
15.49%
26.28%
Worst in Credit Risk
-0.03%
0.75%
3.57%
6.36%
6.07%
6.59%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt
-
272Cr
0.68%
8.86%
-
--
--
--
--
--
UTI Credit Risk Fund Annual Payout Inc Dist cum Cap Wdrl Direct Growth
-
302Cr
1.12%
8.54%
6.94%
0.54
--
--
1.03
1.02
HDFC Credit Risk Debt Fund Normal Reinvestment Inc Dist cum Cap Wdrl Opt Direct Growth
-
7,286Cr
1%
8.49%
6.93%
0.54
--
--
0.73
1.41
Nippon India Credit Risk Fund Payout Inc Dist cum Cap Wdrl Direct Growth
-
980Cr
0.7%
9.2%
7.52%
1.08
--
--
1.81
2.99
See all

Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt Asset Allocation

See fund asset allocation details as on (14-Aug-25)

Fund Distribution

as on (14-Aug-25)

Debt & Cash 99.4%

AA
71.2%
AAA
28.8%
Cash allocation has gone down from 22.5% to 15.4%
Cash allocation has gone down from 22.5% to 15.4%
Debt allocation has gone up from 77% to 84%
Debt allocation has gone up from 77% to 84%

Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt Sector Allocation

See fund sector allocation details as on (14-Aug-25)

Sector Allocation

Debt & Cash 99.4%

Corporate
76.5%
Government
20.4%
Cash Equivalent
3.1%

Top 2 Sectors in July were Corporate, Government

Jul'25

Corporate

55%

Government

25%

Jun'25

Corporate

55%

Government

25%

Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.68%
Benchmark
Nifty Credit Risk Bond B-II TR INR
AUM₹272 Cr
Inception Date3 March, 2017
Min Lumpsum/SIP₹1000/₹100
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
87.87%
Risk
Risk meter
pointer
Moderately High risk

About Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt

Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt is a debt fund. This fund was started on 3 March, 2017. The fund is managed by Debraj Lahiri, Gautam Kaul, Brijesh Shah. This fund is suitable to keep your money safe.

Key Parameters

  1. Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt has ₹272 Cr worth of assets under management (AUM) as on Aug 2025 and is more than category average.
  2. The fund has an expense ratio 0.7.

Returns

Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt has given a CAGR return of 8.21% since inception. Over the last 1 year the fund has given a CAGR return of 8.86%.

Holdings

Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are 7.18% Govt Stock 2037, Tata Housing Development Company Limited, National Bank For Agriculture And Rural Development, Aditya Birla Real Estate Limited, TATA Projects Limited

Taxation

As it is a credit risk mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt

The Fund seeks to generate returns by investing predominantly in AA and below rated corporate debt securities across maturities.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 1000.00 and for SIP is INR 100.00. Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt has no lock in period.

Fund Manager

Debraj Lahiri

Fund Manager of Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt, since 17 April 2023

Gautam Kaul

Fund Manager of Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt, since 16 July 2022

Brijesh Shah

Fund Manager of Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt, since 10 June 2024

Learn more about Bandhan Mutual Fund
Parameters
Jul'25
Jun'25
May'25
AUM
₹ 271.5 Cr
₹ 278.4 Cr
₹ 282.7 Cr
  • AUM of the fund stands at 271.5 Cr as of Jul'25
  • AUM decreased by 6.8 Cr between Jul'25 and Jun'25

Frequently Asked Questions for Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt

How do I invest in Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt?

INDmoney makes it simple to invest in the Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt?

The NAV of the fund today is ₹13.23. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt fund has generated a return of 8.86% in 1 year

Who is the fund manager of Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt?

The fund managers are Debraj Lahiri, Gautam Kaul, Brijesh Shah.

What is the exit load of the fund?

The exit load is 1% if redeemed in 0-365 Days. Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.68%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹272 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Bandhan Credit Risk Fund Direct Periodic Payout of Income Distribution cum Capital Wdrl Opt?

The top 3 holdings of the fund are 7.18% Govt Stock 2037(13.39%), Tata Housing Development Company Limited(9.28%), National Bank For Agriculture And Rural Development(7.53%)