ReviewDirect · Growth
BANDHAN CREDIT RISK FUND
- NAV
- 19.0571
- 15 Sept 2026
- 1Y
- +5.9%
- Trailing CAGR
- AUM
- ₹227.48 Cr
- 31 Jul 2026
- Volatility
- Low
- 1.5% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+5.9%
- 3Y+7.2%
- 5Y+6.3%
- 10Yn/a
- SI+7.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.0%
- 3Y+6.8%
- 5Y+6.9%
- 10Yn/a
- Since inception
- +7.0%
- Calendar-day CAGR
- Excess 1Y
- -6.2%
- Category median, same plan and option
- 3Y win rate
- +34%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- Worst rolling 3Y
- +5.2%
- 1589 daily-ending windows
- Median rolling 3Y
- +7.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1106 daily-ending windows
- SIP 3Y XIRR
- +6.8%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 271 recovered episodes
- Longest recovery
- 80 days
- Trough to prior peak
- Current spell
- 6 days
- Days below latest peak
- Time below peak
- +49%
- NAV observations
6 Mar 2020 – 11 Jun 2020
Trough 23 Mar 2020 · recovered in 80 days
-2.6%
9 Apr 2018 – 4 Jul 2018
Trough 17 May 2018 · recovered in 48 days
-1.1%
7 Apr 2022 – 13 Jul 2022
Trough 6 May 2022 · recovered in 68 days
-1.1%
7 Jan 2021 – 31 Mar 2021
Trough 15 Mar 2021 · recovered in 16 days
-0.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
12
Consistency
28
Risk-adjusted
82
Drawdown
94
Mean
43
Portfolio
31 Jul 2026 · 19 holdings · top 10 are 83.0%.
- Top 5
- 44.1%
- Top 10
- 83.0%
- Largest holding
- 8.9%
- Effective holdings
- 13.4
POWER FINANCE CORPORATION LTD. SERIES 203 B 7.75 BD 11JU30 FV10LAC
Financial
8.9%
CENTURY TEXTILES AND INDUSTRIES LIMITED 8.35 NCD 30AG27 FVRS1LAC
Materials
8.8%
TATA PROJECTS LIMITED SR P 8.33 NCD 24JU27 FVRS1LAC
Industrials
8.8%
CEAT LIMITED 7.99 NCD 19SP26 FVRS10LAC
Consumer Discretionary
8.8%
TATA HOUSING DEVELOPMENT COMPANY LIMITED SR I 7.51 NCD 08DC28 FVRS1LAC
Industrials
8.7%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
11 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
10 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Review
Engine status
Review
Closer look
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Recent return trails the category median by 3 percentage points or more, with a weak rolling win rate.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
SBI CREDIT RISK FUND
SBI Mutual Fund
- 1Y
- +8.3%
- 3Y
- +8.6%
- Vol
- 1.3%
- Max DD
- -2.3%
- Sharpe
- 2.62
- 3Y win
- +52%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Credit Risk Fund
ICICI Prudential Mutual Fund
- 1Y
- +8.2%
- 3Y
- +9.1%
- Vol
- 1.4%
- Max DD
- -2.9%
- Sharpe
- 2.52
- 3Y win
- +53%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown
BANK OF INDIA CREDIT RISK FUND
Bank of India Mutual Fund
- 1Y
- +17.9%
- 3Y
- +10.1%
- Vol
- n/a
- Max DD
- -73.4%
- Sharpe
- n/a
- 3Y win
- +44%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
DSP Credit Risk Fund
DSP Mutual Fund
- 1Y
- +11.1%
- 3Y
- +16.8%
- Vol
- 4.5%
- Max DD
- -6.0%
- Sharpe
- 0.89
- 3Y win
- +41%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +12.8%
- 3Y
- +13.2%
- Vol
- 2.6%
- Max DD
- -3.9%
- Sharpe
- 1.59
- 3Y win
- +70%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown