BANDHAN CREDIT RISK FUND

Income-oriented debt or money-market exposure

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

How the money may be invested

Corporate bonds (including securitised debt) rated AA*/ equivalent and below (including unrated securities) - 65% – 100%, Other Debt Securities (including securitised debt and Government Securities), Money Market Instruments and Units issued by InvITs, within which - 0% – 35%, Units issued by InvITs - 0% - 10% * excludes AA+/equivalent rated corporate bonds

SEBI category

Credit Risk

Fund type

An open ended debt scheme predominantly investing in AA and below rated corporate bonds. A Scheme with Relatively High Interest Rate Risk and Moderate Credit Risk.

Primary benchmark

NIFTY Credit Risk Bond Index B-II

Secondary benchmark

65% NIFTY AA Short Duration Bond Index + 35% NIFTY AAA Short Duration Bond Index

Use the latest monthly portfolio

Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.

Manager and scheme tenure

Fund manager(s)

Mr. Gautam Kaul · Mr. Debraj Lahiri

Manager tenure on this scheme

Mr. Gautam Kaul — since 16/07/2022 · Mr. Debraj Lahiri — since 17/04/2023

Role / co-management

Mr. Gautam Kaul — Primary · Mr. Debraj Lahiri — Primary

The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.

Latest NAV records

NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.

What you pay and how money moves

Stated expense ratio

Regular 1.68%, Direct 0.67%

Exit load

1% if redeemed/switched out within 365 days from the date of allotment

Minimum application

Rs.1000 · multiples of Any Amount

SIP frequency

SIP Details: MONTHLY, Quarterly, STP Details: Daily, Weekly (datewise, Daywise), Fortnightly, Monthly , SWP Details: Monthly, Quaterly, half yearly & Annualy

Minimum SIP amount

SIP Details: Rs.100 , STP Details: Rs.500 , SWP Details: Rs.200

Minimum instalments

SIP Details: 6 , STP Details: 6 , SWP Details 6

How a mutual-fund investment is paid

1. Complete KYCIdentity, PAN, bank and contact verification are required.
2. Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
3. Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
4. Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
5. Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.

Download and verify at source

The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.

Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.