Loading mutual fund details…
BANDHAN Credit Risk Fund - Regular Plan Growth is a debt scheme managed by Bandhan Mutual Fund. Three-year compounded annual return is 5.88%, placing it in the 14th percentile of Debt peers. It has ranked in the top half of its category for 2 of the last 8 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 1.67% on assets of ₹230Cr. The fund is currently managed by Gautam Kaul, appointed within the last year.
Lower is better.
| Holding | Sector | Weight |
|---|
Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
| Scheme | AMC | AUM | TER | 3Y |
|---|
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| 7.75% Power Finance Corporation Limited | Others | 8.71% |
| 8.33% Tata Projects Limited | Others | 8.71% |
| 8.5% Aadhar Housing Finance Limited | Others | 8.69% |
| 7.99% CEAT Limited | Others | 8.68% |
| 8.35% Aditya Birla Real Estate Limited | Others | 8.67% |
| 7.51% Tata Housing Development Company Limited | Others | 8.55% |
| 7.9% Truhome Finance Limited | Others | 8.55% |
| 8.52% Muthoot Finance Limited | Others | 6.53% |
| 10.7% AU Small Finance Bank Limited | Others | 4.53% |
| 7.48% National Bank For Agriculture and Rural Development | Others | 4.32% |
| 7.68% Godrej Seeds & Genetics Limited | Others | 2.13% |
| Corporate Debt Market Development Fund Class A2 | Others | 0.72% |
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 75.9% means the manager bets the fund's outcome on a small basket. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Debt.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
Does the fund get worse as it gets bigger? Each dot is one historical manager-tenure: AUM at tenure-end vs alpha delivered during that tenure.
Correlation is too weak to confirm or rule out capacity-driven alpha decay. Re-evaluate as more manager-tenure data accumulates.
Each dot is one manager-tenure: X = AUM at tenure end, Y = alpha during that tenure. Connecting line in chronological order. Pearson r measures the linear relationship between AUM and alpha across the historical record. n = 3 data points.
| 5Y |
|---|
| Star |
|---|