Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published
NAV history for this scheme.
Risk
Volatility
Sharpe
Sortino
Beta
Alpha
Max fall
R²
This scheme
3.2%
-1.84
-2.01
—
—
-3.8%
—
Risk-free rate 6.5%. Beta, alpha and R² are regressed on the
— months this scheme and its benchmark share.
Growth of ₹100 since launch
Drawdown from peak (%)
Every one-year period it has lived through
Windows
Worst
Median
Best
Periods that lost money
415
-2.9%
0.6%
2.8%
27%
Every one-year holding period in this scheme's history, not just the last one — the
spread a real investor would have met depending only on when they started.
BANDHAN CREDIT RISK FUND
Regular Plan · Quarterly IDCW
Allocation
By asset
Cash & Equivalents
100.00%
By market cap
Concentration
Number of stocks
19
Top 5 stocks
—
Top 10 stocks
—
Top 20 stocks
—
Lines in the filing
19
Largest holding
—
Largest sector
— —
Effective stocks
—
Sectors held
0
Cash
0.00%
Effective stocks is what the concentration works out to: a fund holding
19 names but most of its money in a few
behaves like a fund of —. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
FITCH AA
26.66%
CRISIL AA
17.78%
ICRA AA
13.48%
CRISIL AAA
8.95%
CARE AA
8.80%
Cash & Equivalents
8.38%
SOVEREIGN
7.22%
CRISIL AA+
6.57%
CARE A1+
2.16%
BANDHAN CREDIT RISK FUND
Regular Plan · Quarterly IDCW · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
8.35% Aditya Birla Real Estate Limited **
CRISIL AA
2,000,000
20
8.96%
2
7.75% Power Finance Corporation Limited **
CRISIL AAA
2,000,000
20
8.95%
3
8.33% Tata Projects Limited **
FITCH AA
2,000,000
20
8.93%
4
7.99% CEAT Limited **
FITCH AA
2,000,000
20
8.93%
5
7.76% Aadhar Housing Finance Limited **
ICRA AA
2,000,000
20
8.81%
6
7.51% Tata Housing Development Company Limited **
CARE AA
2,000,000
20
8.80%
7
7.9% Truhome Finance Limited **
FITCH AA
2,000,000
20
8.80%
8
7.99% Godrej Seeds & Genetics Limited **
CRISIL AA
1,500,000
15
6.62%
9
7.85% Muthoot Finance Limited **
CRISIL AA+
1,500,000
15
6.57%
10
Triparty Repo TRP_010926
Unclassified
—
12
5.52%
11
10.7% AU Small Finance Bank Limited **
ICRA AA
1,000,000
10
4.67%
12
6.68% GOI (MD 07/07/2040)
SOVEREIGN
1,000,000
10
4.31%
13
6.01% GOI (MD 21/07/2030)
SOVEREIGN
600,000
6
2.64%
14
7.68% Godrej Seeds & Genetics Limited **
CRISIL AA
500,000
5
2.20%
15
Bank of Baroda **
CARE A1+
500,000
5
2.16%
16
Net Current Assets
Unclassified
—
5
2.10%
17
Corporate Debt Market Development Fund Class A2
Unclassified
1,413
2
0.75%
18
7.18% GOI (MD 14/08/2033)
SOVEREIGN
60,300
1
0.27%
19
Cash Margin - CCIL
Unclassified
—
0
0.01%
BANDHAN CREDIT RISK FUND
Regular Plan · Quarterly IDCW · where the money sits
A ₹10,000 monthly SIP over five years
Invested
Value
Gain
XIRR
₹600,000
₹610,785
₹10,785
0.70%
XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has
been invested for a different length of time.
Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the
portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past
returns do not predict future ones. Generated 27 Sep 2026.
