DebtCredit Risk FundDirect · Growth
BANDHAN Credit Risk Fund-Direct Plan-Growth
Bandhan · Scheme 140603
₹19.05▼ 0.04%NAV · 2026-09-18
Decent FundScore
AUM
₹228 cr
Expense ratio
0.67%
3Y CAGR
7.5%
Risk level
Low to Moderate
Min SIP
₹100
Benchmark
CRISIL Credit Risk Index
Fund manager: Arvind Subramanian, Khushboo SharmaExit load: Exit load of 1% if redeemed within 365 days.
Decent · 56/100
A solid option with a few areas worth a closer look.
🎯 Suited to short-to-medium horizons and investors wanting stability over growth.
📈 Why it could do well
- ✓Protects capital well — worst-ever fall was only 3%.
- ✓Low volatility (2% a year) — a steady, low-drama ride.
- ✓Low cost — 0.67% expense ratio means more of the return stays with you.
- ✓Positive 3Y windows: 100% of rolling 3Y windows positive
📉 What could drag it down
- •Weak risk-adjusted returns (Sharpe 0.38) — took on risk without enough payoff.
- •3Y CAGR: +7.5%
- •3Y CAGR vs category: -1.3% vs category avg
FundScore breakdown
56/100 · Decent
Returns
Weak
Consistency
Decent
Risk-adjusted
Weak
Downside protection
Excellent
Cost efficiency
Strong
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.