Bandhan Credit Risk Fund - Direct Plan - IDCW - Periodic

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 - 35.71) | Modified Duration 2.65 Years (Category Avg - 2.13)| Yield to Maturity 7.00% (Category Avg - 7.59%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	21.45%	14.65%
CD	0.00%	1.34%
NCD & Bonds	66.65%	70.76%
PTC	0.00%	1.47%

Category - Credit Risk Fund

Security Type	% Weight	Category Average
Government Backed	21.45%	14.65%
Low Risk	66.65%	65.39%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Credit Risk Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			360.05	13.98%	35.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	203.46	7.90%	20.00 L
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	202.76	7.87%	20.00 L
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	202.65	7.87%	20.00 L
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	201.93	7.84%	20.00 L
Bond - Ceat Ltd.	NCD & Bonds	Tyres & rubber products	AA	FITCH	201.41	7.82%	20.00 L
Bond - Tata Housing Development Company Ltd.	NCD & Bonds	Residential, commercial projects	CARE AA	CARE	200.56	7.79%	20.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	151.83	5.90%	15.00 L
Bond - Govt of India	GOI	Other			140.72	5.47%	13.62 L
Bond - Godrej Housing Finance Ltd.	NCD & Bonds	Housing finance company	AA+	CRISIL	102.10	3.97%	10.00 L
Bond - Govt of India	GOI	Other			51.56	2.00%	5.00 L
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	AA	FITCH	50.34	1.96%	5.00 L
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	49.85	1.94%	5.00 L
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	49.82	1.93%	5.00 L
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	49.74	1.93%	5.00 L
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	49.73	1.93%	5.00 L

Name	Type of Instrument	Weight (%)
TREPS	TREPS	9.62%
Net Receivables	Net Receivables	2.28%
Margin	Margin	0.00%

Forum

NITINPIMPALE
MF Investment Help
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15 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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27 days ago

View more

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The Fixed Income
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17 hrs ago

Build Steady Wealth with a Trusted PSU Bond! 9.35% TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED 2033 ✔️ Coupon: 9.35% ✔️ Rating: India Ratings AA(CE) Stable, Acuite (SMERA) AA(CE) Stable ✔️ Tenor: 8y 2m (Maturity: 30/Dec/2033) Enjoy the dual benefits of strong credit quality and high fixed returns. Senior Secured | PSU Bond | High Return Bond | Listed ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldVl3PT0=/935-telangana-state-industrial-infrastructure-corporation-limited-2033?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Build Steady Wealth with a Trusted PSU Bond! 9.35% TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED 2033 ✔️ Coupon: 9.35% ✔️ Rating: India Ratings AA(CE) Stable, Acuite (SMERA) AA(CE) Stable ✔️ Tenor: 8y 2m (Maturity: 30/Dec/2033) Enjoy the dual benefits of strong credit quality and high fixed returns. Senior Secured | PSU Bond | High Return Bond | Listed ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldVl3PT0=/935-telangana-state-industrial-infrastructure-corporation-limited-2033?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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77 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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90 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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128 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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