How to Invest in Bandhan Credit Risk Fund Direct Growth?

You can easily invest in Bandhan Credit Risk Fund Direct Growth in a hassle-free manner on Groww. The process is extremely simple, quick and completely paperless. Invest in a few minutes with the following steps: Log on to your Groww account Search for Bandhan Credit Risk Fund Direct Growth from the search box In order to invest, you will have to complete all the KYC formalities which are completely online and paperless and take a few minutes to complete Once you are done with that, you can start investing in Bandhan Credit Risk Fund Direct Growth as SIP or lumpsum as per your investment objective and risk tolerance

What kind of returns does Bandhan Credit Risk Fund Direct Growth provide?

The Bandhan Credit Risk Fund Direct Growth has been there from 03 Mar 2017 and the average annual returns provided by this fund is 7.04% since its inception.

How much expense ratio is charged by Bandhan Credit Risk Fund Direct Growth?

The term Expense Ratio used for Bandhan Credit Risk Fund Direct Growth or any other mutual fund is the annual charges one needs to pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio of Bandhan Credit Risk Fund Direct Growth is 0.68% as of 14 Feb 2026...

What is the AUM of Bandhan Credit Risk Fund Direct Growth?

The AUM, short for Assets Under Management of Bandhan Credit Risk Fund Direct Growth is ₹241.32Cr as of 14 Feb 2026.

How to Redeem Bandhan Credit Risk Fund Direct Growth?

If you want to sell your Bandhan Credit Risk Fund Direct Growth holdings, go to your holding on the app or web and simply click on it. You will get two options - redeem & invest more; click on redeem and enter your desired amount or if you wish to redeem the entire holding amount then select the 'redeem all' checkbox.

Can I invest in SIP and Lump Sum of Bandhan Credit Risk Fund Direct Growth?

You can select either SIP or Lumpsum investment of Bandhan Credit Risk Fund Direct Growth based on your investment objective and risk tolerance.

What is the NAV of Bandhan Credit Risk Fund Direct Growth?

The NAV of Bandhan Credit Risk Fund Direct Growth is ₹18.42 as of 13 Feb 2026.

What is the PE and PB ratio of Bandhan Credit Risk Fund Direct Growth?

The PE ratio ratio of Bandhan Credit Risk Fund Direct Growth is determined by dividing the market price by its earnings per share and the PB ratio of the same is evaluated by dividing the stock price per share by its book value per share (BVPS).

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Bandhan Credit Risk Fund Direct Growth

Name: Bandhan Credit Risk Fund Direct Growth
Brand: IDFC Mutual Fund

Debt

Credit Risk

Moderately High Risk

+7.48%

3Y annualised

+0.13% 1D

All

NAV: 13 Feb '26

₹18.42

Min. SIP amount

₹100

Fund size

₹241.32 Cr

Expense ratio

0.68%

Return calculator

Monthly SIP

One time

Monthly investment

₹5,000

Over the past	Total investment	Would've become	Returns
1 year	₹60,000	₹61,402	+2.34%
3 years	₹1,80,000	₹1,99,371	+10.76%
5 years	₹3,00,000	₹3,54,656	+18.22%

Holdings (13)

Name	Sector	Instruments	Assets
Power Finance Corporation Ltd.	Financial	NCD	8.41%
National Bank For Agriculture & Rural Development	Financial	Bonds	8.34%
Tata Projects Ltd.	Construction	Debenture	8.33%
Aditya Birla Real Estate Ltd.	Consumer Staples	NCD	8.32%
Aadhar Housing Finance Ltd	Financial	NCD	8.29%
Ceat Ltd.	Automobile	Debenture	8.28%
Truhome Finance Ltd.	Financial	NCD	8.25%
Tata Housing Devp. Co. Ltd	Construction	Debenture	8.20%
GOI	Sovereign	GOI Sec	8.18%
Muthoot Finance Ltd.	Financial	Debenture	6.27%
Godrej Seeds & Genetics Ltd.	Consumer Staples	NCD	2.05%
Godrej Seeds & Genetics Ltd.	Consumer Staples	NCD	2.04%
GOI	Sovereign	GOI Sec	1.54%

See All

Minimum investments

Min. for 1st investment

₹1,000

Min. for 2nd investment

₹1,000

Min. for SIP

₹100

Returns and rankings

Annualised returns

Absolute returns

Name	1Y	3Y	5Y	All
Fund returns	+7.0%	+7.5%	+6.4%	+7.1%
Category average (Debt Credit Risk)	+10.3%	+8.7%	+9.0%	--
Rank (Debt Credit Risk)	14	14	14	--

Exit load, stamp duty and tax

Exit load

Exit load of 1% if redeemed within 365 days.

Stamp duty on investment: 0.005% (from July 1st, 2020)

from July 1st 2020

Tax implication

Returns are taxed as per your Income Tax slab.

Check past data

Compare similar funds

	Name	1Y	3Y	Fund Size(Cr)
	Aditya Birla Sun Life Credit Risk Fund Direct Growth	+14.15%	+12.98%	1,138.04
	Invesco India Credit Risk Fund Direct Growth	+10.19%	+10.57%	158.25
	Nippon India Credit Risk Fund Direct Growth	+9.66%	+9.21%	1,030.58
	Axis Credit Risk Fund Direct Growth	+9.52%	+8.73%	362.79
	Baroda BNP Paribas Credit Risk Fund Direct Growth	+8.61%	+8.65%	186.08
Compare

Fund management

GK
Gautam Kaul
Jul 2022 - Present
View details

Education

Mr. Kaul is a B.Com (H) and MBA (Finance).

Experience

Prior to joining Bandhan Mutual Fund(formerly IDFC Mutual Fund), he has worked with Edelweiss AMC, Invesco Mutual Fund, Sahara India Asset Management Company Pvt. Ltd, IDBI AMC. and Mata Securities (India) Pvt. Ltd.

Also manages these schemes

Bandhan Crisil IBX Gilt April 2032 Index Fund Direct Growth

Bandhan Banking and PSU Fund Direct Growth

Bandhan CRISIL IBX 90:10 SDL Plus Gilt April 2032 Index Fund Direct Growth

Bandhan CRISIL IBX 90:10 SDL Plus Gilt September 2027 Index Fund Direct Growth

Bandhan Retirement Fund Direct Growth

Bandhan Credit Risk Fund Direct Growth

Bandhan Money Market Fund Direct Growth

Bandhan Corporate Bond Fund Direct Growth

Bandhan CRISIL IBX Gilt April 2028 Index Fund Direct Growth

Bandhan CRISIL IBX 90:10 SDL Plus Gilt November 2026 Index Fund Direct Growth

Bandhan Crisil IBX Gilt April 2026 Index Fund Direct Growth

Bandhan CRISIL IBX Gilt June 2027 Index Fund Direct Growth

Bandhan Multi Asset Allocation Fund Direct Growth

Bandhan Long Duration Fund Direct Growth

BS
Brijesh Shah
Jun 2024 - Present
View details

Education

Mr. Shah is a Post Graduate Diploma in Finance.

Experience

Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) he has worked with IDBI Mutual Fund, IndiaBulls Mutual Fund, Mata Securities & Twenty First Century.

Also manages these schemes

Bandhan Banking and PSU Fund Direct Growth

Bandhan Dynamic Bond Fund Direct Growth

Bandhan Ultra Short Duration Fund Direct Growth

Bandhan Retirement Fund Direct Growth

Bandhan Short Duration Fund Direct Growth

Bandhan Corporate Bond Fund Direct Growth

Bandhan Aggressive Hybrid Fund Direct Growth

Bandhan Medium Duration Fund Direct Growth

Bandhan Arbitrage Fund Direct Growth

Bandhan Equity Savings Fund Direct Growth

Bandhan Floater Fund Direct Growth

Bandhan Gilt Fund Direct Growth

Bandhan CRISIL IBX Financial Services 3 6 Months Debt Index Fund Direct Growth

Bandhan Multi Asset Allocation Fund Direct Growth

Bandhan Medium to Long Duration Fund Direct Growth

Bandhan Overnight Fund Direct Growth

Bandhan CRISIL IBX 10:90 Gilt + SDL Index Dec 2029 Fund Direct Growth

Bandhan Gilt Fund with 10 year Constant Duration Fund Direct Growth

Bandhan Money Market Fund Direct Growth

Bandhan Healthcare Fund Direct Growth

Bandhan US Treasury Bond 0 1 year Specific Debt Passive FoF Direct Growth

Bandhan Conservative Hybrid Fund Direct Plan Growth

Bandhan Low Duration Fund Direct Growth

Bandhan Multi Factor Fund Direct Growth

Bandhan Liquid Fund Direct Plan Growth

Bandhan Long Duration Fund Direct Growth

Bandhan Credit Risk Fund Direct Growth

Bandhan Balanced Advantage Fund Direct Growth

Bandhan Innovation Fund Direct Growth

DL
Debraj Lahiri
Apr 2023 - Present
View details

Education

Mr. Lahiri has done B.Tech and MBA

Experience

Prior to joining Bandhan Mutual Fund, he has worked with ICICI Prudential AMC Ltd, Invesco Asset Management (India) Pvt. Ltd, CARE Ratings and Bank of Baroda

Also manages these schemes

Bandhan Floater Fund Direct Growth

Bandhan Credit Risk Fund Direct Growth

About Bandhan Credit Risk Fund Direct Growth

Bandhan Credit Risk Fund Direct Growth is a Debt Mutual Fund Scheme launched by Bandhan Mutual Fund. This scheme was made available to investors on 20 Dec 1999. Gautam Kaul is the Current Fund Manager of Bandhan Credit Risk Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹1,94,296 Cr and the Latest NAV as of 13 Feb 2026 is ₹18.42. The Bandhan Credit Risk Fund Direct Growth is rated Moderately High risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹1,000. Exit load of 1% if redeemed within 365 days. ;