Debt Credit Risk Fund Moderately High Risk
The investment objective of the scheme is to generate returns by predominantly investing in aportfolio of corporate debt securities. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes objectives will be achieved.
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Estimation is based on the past performance
| Credit Risk Fund | 1M | 3M | 6M | 9M | 1Y | 2Y | 3Y | 4Y | 5Y | 10Y | ALL |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund returns | 0.94% | 2.04% | 6.69% | 8.99% | 11.83% | 14.49% | 11.81% | 10.94% | 9.74% | 8.43% | 8.49% |
| Category returns | 1.5% | 2.14% | 3.88% | 5.58% | 7.61% | 9.39% | 8.71% | 7.95% | 9.21% | 6.41% | N/A |
| Absolute returns | 0.56% | 1.68% | 6.38% | 9.19% | 11.19% | 30.93% | 39.6% | 53.08% | 58.97% | 124.64% | 147.71% |
| Rank within category | 4 | 4 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 1 | N/A |
| Total Schemes in Category | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 13 | N/A |
| Credit Risk Fund | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Yearly returns | 10.3% | 8.09% | 6.6% | 2.09% | 9.36% | 6.36% | 7.1% | 6.89% | 11.92% | 13.43% | 6.35% |
| Q1 returns | 2.14% | 2.14% | 2.21% | 1.32% | 1.93% | 1.74% | 1.22% | 1.58% | 2.01% | 5.79% | 4.76% |
| Q2 returns | 2.13% | 3.2% | 0.86% | 0.86% | 0.66% | 1.79% | -0.01% | 2.05% | 2.4% | 2.92% | 1.51% |
| Q3 Returns | 3.57% | 1.76% | 0.85% | 2.82% | 3.51% | 1.67% | 4.04% | 1.49% | 2.93% | 2.31% | N/A |
| Q4 Returns | 2.08% | 0.77% | 2.54% | -2.85% | 2.98% | 1.02% | 1.71% | 1.6% | 4.09% | 1.83% | N/A |
Expense ratio: 1.36%
Inclusive of GST
Exit load
Nil upto 15% of units, For remaining units 3% on or before 1Y, 2% after 1Y but on or before 2Y, 1% after 2Y but on or before 3Y, Nil after 3Y
| Alpha | 0.412278 |
| Beta | 0.1575 |
| Sharpe Ratio | 0.465379 |
| Sortino Ratio | 1.28704 |
| R-Squared | 0.0168 |
| Tracking Error | 1.0583 |
| Downside Risk | 0.6097 |
| Std. Deviation (Annualised) | 3.0282 |
| Credit Risk Fund | 1M | 3M | 6M | 9M | 1Y | 3Y | 5Y | 10Y | ALL | Fund Size (Cr) | Expense Ratio | Sharpe | Risk |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| DSP Credit Risk Fund - Regular Plan - Growth | 5.87% | 5.07% | 5.98% | 7.1% | 9.53% | 15.51% | 11.95% | 8.02% | 7.56% | 222.83 | 1.23 | 0.28 | Moderately High |
| Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth Current | 0.94% | 2.04% | 6.69% | 8.99% | 11.83% | 11.81% | 9.74% | 8.43% | 8.49% | 1,178.19 | 1.66 | 0.49 | High |
| HSBC Credit Risk Fund - Regular Plan - Growth | 0.52% | 1.24% | 2.26% | 3.58% | 5.25% | 10.78% | 8.45% | 7.03% | 7.6% | 475.54 | 1.64 | 0.18 | Moderate |
| Bank of India Credit Risk Fund - Regular Plan - Growth | 5.87% | 6.98% | 13.42% | 15.37% | 16.91% | 9.56% | 27.66% | 2.44% | 3.14% | 100.26 | 1.38 | 0.12 | Moderately High |
| Invesco India Credit Risk Fund - Regular Plan - Growth | 1.84% | 2.18% | 3.4% | 4.47% | 5.98% | 8.13% | 6.93% | 5.66% | 6.26% | 159.38 | 1.45 | 0.23 | Moderate |
| ICICI Prudential Credit Risk Fund - Growth | 0.87% | 1.24% | 2.95% | 5.18% | 7.61% | 8.04% | 7.26% | 7.78% | 8.21% | 5,833.83 | 1.38 | 0.45 | High |
| Nippon India Credit Risk Fund - Growth | 0.71% | 1.65% | 2.84% | 4.59% | 7.15% | 8.02% | 8.33% | 5.92% | 6.45% | 1,057.55 | 1.48 | 0.54 | High |
| Axis Credit Risk Fund - Regular Plan - Growth | 0.71% | 1.58% | 2.87% | 4.94% | 7.01% | 7.61% | 6.63% | 6.68% | 7.17% | 351.04 | 1.57 | 0.38 | High |
| Baroda BNP Paribas Credit Risk Fund - Regular Plan - Growth | 0.52% | 1.43% | 2.49% | 4.28% | 6.34% | 7.54% | 8.32% | 7.46% | 7.8% | 174.61 | 1.61 | 0.39 | Moderately High |
| SBI Credit Risk Fund - Regular Plan - Growth | 0.57% | 1.69% | 2.79% | 4.34% | 6.26% | 7.39% | 6.81% | 7.14% | 7.45% | 2,138.91 | 1.55 | 0.30 | High |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Cash & Cash Equivalents and Net Assets | 12.00% |
| Government Securities | 9.85% | |
| Corporate Debt | 69.28% | |
| REITs & InvITs | 7.08% | |
| Floating Rate Instruments | 1.54% | |
| Alternative Investment Fund | 0.25% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 92.92% | |
| Power | 2.14% | |
| Transport Infrastructure | 2.41% | |
| Realty | 2.53% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| Clearing Corporation of India Limited | Cash & Cash Equivalents and Net Assets | 9.14% | |
| Government of India (06/10/2035) | Government Securities | 3.89% | |
| 5.00% GMR Airport Ltd (13/02/2027) ** | Corporate Debt | 3.88% | |
| 7.48% National Bank For Agriculture and Rural Development (15/09/2028) | Corporate Debt | 3.57% | |
| Jubilant Bevco Ltd (31/05/2028) (ZCB) ** | Corporate Debt | 3.13% | |
| Net Receivables / (Payables) | Cash & Cash Equivalents and Net Assets | 2.86% | |
| 9.25% Hinduja Leyland Finance Limited (09/07/2031) | Corporate Debt | 2.46% | |
| 6.66% National Bank For Agriculture and Rural Development (12/10/2028) ** | Corporate Debt | 2.45% | |
| 9.50% Kogta Financial India Ltd (30/10/2027) ** | Corporate Debt | 2.31% | |
| 10.96% Gaursons India Pvt Ltd (26/12/2028) ** | Corporate Debt | 2.27% | |
| Jtpm Metal Traders Pvt Ltd (29/09/2028) (ZCB) ** | Corporate Debt | 2.17% | |
| 9.45% Vedanta Limited (05/06/2028) ** | Corporate Debt | 2.16% | |
| 9.40% Vedanta Limited (20/02/2027) ** | Corporate Debt | 2.15% | |
| 8.32% Hero Housing Finance Ltd (30/08/2027) ** | Corporate Debt | 2.15% | |
| IndiGrid Infrastructure Trust | Power | REITs & InvITs | 2.14% |
| 8.621175% Security and Intelligence Services (India) Limited (26/03/2028) ** | Corporate Debt | 2.14% | |
| 8.40% Narayana Hrudayalaya Limited (15/02/2030) ** | Corporate Debt | 2.14% | |
| 8.75% JSW Energy Limited (20/03/2028) ** | Corporate Debt | 2.14% | |
| 9.90% Oxyzo Financial Services Pvt Ltd (13/03/2029) ** | Corporate Debt | 2.12% | |
| 7.833302% IKF Finance Ltd (12/08/2027) ** | Corporate Debt | 2.08% | |
| 8.00% Adani Power Limited (27/01/2028) ** | Corporate Debt | 2.08% | |
| 8.85% Hinduja Housing Finance Ltd (01/02/2027) ** | Corporate Debt | 2.08% | |
| 9.25% Sk Finance Ltd (09/05/2027) ** | Corporate Debt | 1.93% | |
| State Government Securities (20/07/2035) | Government Securities | 1.82% | |
| State Government Securities (04/10/2035) | Government Securities | 1.80% | |
| 9.5221% Avanse Financial Services Ltd (29/06/2026) ** | Corporate Debt | 1.80% | |
| 7.74% Power Finance Corporation Limited (29/01/2028) ** | Corporate Debt | 1.80% | |
| 7.44% National Bank For Agriculture and Rural Development (17/07/2029) | Corporate Debt | 1.78% | |
| 7.27% National Bank For Agriculture and Rural Development (23/02/2029) ** | Corporate Debt | 1.77% | |
| 7.02% Bajaj Housing Finance Limited (26/05/2028) ** | Corporate Debt | 1.77% | |
| 7.25% Indian Railway Finance Corporation Limited (17/01/2035) ** | Corporate Debt | 1.75% | |
| Indus Infra Trust | Transport Infrastructure | REITs & InvITs | 1.61% |
| 9.75% Nuvama Wealth Finance Ltd (16/04/2027) ** | Corporate Debt | 1.59% | |
| 14.60% IKF Finance Ltd (28/04/2028) (FRN) ** | Floating Rate Instruments | 1.54% | |
| 9.60% Avanse Financial Services Ltd (30/04/2027) ** | Corporate Debt | 1.44% | |
| 8.05% JSW Energy Limited (10/11/2028) ** | Corporate Debt | 1.40% | |
| Government of India (07/07/2040) | Government Securities | 1.36% | |
| Nexus Select Trust | Realty | REITs & InvITs | 1.35% |
| 6.216161% Adani Airport Holdings Ltd (08/09/2028) ** | Corporate Debt | 1.31% | |
| Embassy Office Parks REIT | Realty | REITs & InvITs | 1.18% |
| 8.35% Tata Projects Limited (22/07/2027) ** | Corporate Debt | 1.08% | |
| 5.00% GMR Airport Ltd (13/08/2028) ** | Corporate Debt | 0.98% | |
| 8.73% Eris Lifesciences Limited (07/12/2026) ** | Corporate Debt | 0.97% | |
| 8.73% Eris Lifesciences Limited (07/06/2027) ** | Corporate Debt | 0.97% | |
| 7.15% National Bank for Financing Infrastructure and Dev (28/03/2035) ** | Corporate Debt | 0.90% | |
| Government of India (08/04/2034) | Government Securities | 0.72% | |
| 8.20% Adani Power Limited (25/01/2029) ** | Corporate Debt | 0.71% | |
| 8.95% Vedanta Limited (16/03/2029) ** | Corporate Debt | 0.71% | |
| 6.59% Power Finance Corporation Limited (15/10/2030) ** | Corporate Debt | 0.69% | |
| IRB InvIT Fund | Transport Infrastructure | REITs & InvITs | 0.41% |
| Raajmarg Infra Investment Trust | Transport Infrastructure | REITs & InvITs | 0.40% |
| 8.66% Cholamandalam Investment and Finance Company Limited (23/02/2033) ** | Corporate Debt | 0.36% | |
| SBI - Corporate Debt Market Development Fund - A2 Units | Alternative Investment Fund | 0.25% | |
| State Government Securities (18/03/2035) | Government Securities | 0.16% | |
| State Government Securities (18/03/2036) | Government Securities | 0.10% | |
| 8.67% Power Finance Corporation Limited (18/11/2028) ** | Corporate Debt | 0.08% | |
| Total | 100.00% |
He has around 10 years of experience of which 7 years are in financial markets. He joined Birla Sun Life Asset Management Co. Ltd in October 2015. Prior to joining Birla Sun Life Asset Management Co. Ltd, he ran his own healthcare- tech business (June 2012 - May 2015). He has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in theEquity Research in Irevna Ltd (June 2005 - June 2006).
RETURNS
It is an Open ended scheme that primarily invests in Credit Risk Fund.
The investment objective of the scheme is to generate returns by predominantly investing in aportfolio of corporate debt securities. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes objectives will be achieved.
The scheme benchmark is the CRISIL Credit Risk Debt Index
It is classified as Moderately High Risk, suitable for investors with a Moderately High risk appetite.
Returns Delivered by the funds are as follows:
1-year: 11.19%
3-year: 11.75%
5-year: 9.71%
Top holdings include names such as:
The NAV is around ₹24.77 (approx.) for the Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹1,391 Cr.
The expense ratio for the Regular Plan is 1.36.
Nil upto 15% of units, For remaining units 3% on or before 1Y, 2% after 1Y but on or before 2Y, 1% after 2Y but on or before 3Y, Nil after 3Y.
Minimum SIP starts at ₹100.
The minimum lump sum investment is ₹100. Often platforms may require higher in practice, but the statutory minimum remains the same.
You can start a SIP through:
Broker/agent platform like Sharescart.
Enter KYC details, choose the Regular Growth option, set SIP amount/frequency, and submit.
Yes. You can modify your SIP amount or frequency anytime online through the Sharescart platform.
You can redeem online via the Sharescart platform — choose the scheme, select the amount/units, and submit. Proceeds are credited to your bank account.
The fund managers: Sunaina da Cunha, Mohit Sharma
This fund is suitable for investors with a Moderately High risk tolerance.
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