Bandhan Credit Risk Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 16 (Category Avg - 35.50) | Modified Duration 2.60 Years (Category Avg - 2.11)| Yield to Maturity 6.99% (Category Avg - 7.58%)

Portfolio Summary (as on 31st Oct,2025)

Category - Credit Risk Fund

Category - Credit Risk Fund

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			359.23	14.00%	35.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	203.68	7.94%	20.00 L
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	202.83	7.90%	20.00 L
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	202.74	7.90%	20.00 L
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	201.49	7.85%	20.00 L
Bond - Ceat Ltd.	NCD & Bonds	Tyres & rubber products	AA	FITCH	201.25	7.84%	20.00 L
Bond - Tata Housing Development Company Ltd.	NCD & Bonds	Residential, commercial projects	CARE AA	CARE	200.31	7.80%	20.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	152.00	5.92%	15.00 L
Bond - Govt of India	GOI	Other			141.25	5.50%	13.62 L
Bond - Godrej Housing Finance Ltd.	NCD & Bonds	Housing finance company	AA+	CRISIL	102.20	3.98%	10.00 L
Bond - Govt of India	GOI	Other			51.48	2.01%	5.00 L
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	AA	FITCH	50.25	1.96%	5.00 L
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	50.04	1.95%	5.00 L
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	50.02	1.95%	5.00 L
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	49.99	1.95%	5.00 L
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	49.97	1.95%	5.00 L