Debt Credit Risk Fund Moderately High Risk
The Scheme’s investment objective is to generate capital appreciation over the long term by investing predominantly in corporate debt across the credit spectrum within the universe of investment grade rating. To achieve this objective, the Scheme will seek to make investments in rated, unrated instruments and structured obligations of public and private companies.
Expert-managed portfolios tailored to your financial goals.
Estimation is based on the past performance
| Credit Risk Fund | 1M | 3M | 6M | 9M | 1Y | 2Y | 3Y | 4Y | 5Y | 10Y | ALL |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund returns | 5.87% | 6.98% | 13.42% | 15.37% | 16.91% | 11.08% | 9.56% | 8.25% | 27.66% | 2.44% | 3.14% |
| 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 | 0.3% | 6.77% | 13.21% | 15.3% | 16.61% | 23.51% | 31.35% | 38.26% | 234.64% | 27.26% | 41.81% |
| Rank within category | 1 | 1 | 1 | 1 | 1 | 4 | 4 | 4 | 1 | 13 | 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 | 11.22% | 9.32% | -0.29% | -45.23% | -44.43% | 9.37% | 143.13% | 5.56% | 6.01% | 6.52% | 12.99% |
| Q1 returns | 2.49% | 2.59% | 2.18% | 1.62% | 6.25% | 3.87% | 136.98% | 1.21% | 2.5% | 1.8% | 6.23% |
| Q2 returns | 2.87% | 2.8% | 1.38% | -47.64% | -50.93% | 3.12% | 0.14% | 1.52% | 1.05% | 1.59% | 6.36% |
| Q3 Returns | 3.47% | 2% | -0.06% | -0.73% | 5.07% | 1.77% | 1.15% | 1.42% | 1.03% | 1.74% | N/A |
| Q4 Returns | 1.95% | 1.62% | -3.69% | 3.71% | 1.44% | 0.34% | 1.29% | 1.29% | 1.31% | 1.24% | N/A |
Expense ratio: 1.38%
Inclusive of GST
Exit load
4% on or before 12M, 3% after 12M but on or before 24M, 2% after 24M but on or before 36M, Nil after 36M
| Alpha | 0.224561 |
| Beta | -0.2366 |
| Sharpe Ratio | 0.198986 |
| Sortino Ratio | 1.28496 |
| R-Squared | 0.0212 |
| Tracking Error | 1.4611 |
| Downside Risk | 0.2519 |
| Std. Deviation (Annualised) | 4.0535 |
| 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 | 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 Current | 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 | 28.21% |
| Corporate Debt | 61.94% | |
| Certificate of Deposit | 9.30% | |
| Alternative Investment Fund | 0.55% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| TREPS | Cash & Cash Equivalents and Net Assets | 23.94% | |
| 7.70% Nuvoco Vistas Corporation Limited (18/09/2028) ** | Corporate Debt | 10.11% | |
| 9.25% Birla Corporation Limited (18/08/2026) ** | Corporate Debt | 9.79% | |
| Indian Bank (04/12/2026) ** # | Certificate of Deposit | 9.30% | |
| 8.5% Nirma Limited (07/04/2027) ** | Corporate Debt | 9.09% | |
| 9.45% Vedanta Limited (05/06/2028) ** | Corporate Debt | 5.70% | |
| 9.40% 360 One Prime Limited (04/03/2027) ** | Corporate Debt | 5.69% | |
| 9.10% Manappuram Finance Limited (19/08/2026) | Corporate Debt | 5.69% | |
| 7.99% Rashtriya Chemicals and Fertilizers Limited (07/08/2027) ** | Corporate Debt | 5.67% | |
| 8.39% JSW Steel Limited (13/05/2027) ** | Corporate Debt | 5.65% | |
| 9.5% 360 One Prime Limited (19/06/2026) ** | Corporate Debt | 4.55% | |
| Net Receivables / (Payables) | Cash & Cash Equivalents and Net Assets | 4.27% | |
| Corporate Debt Market Development Fund # | Alternative Investment Fund | 0.55% | |
| Total | 100.00% |
Mr. Alok Singh has 12 years of experience in Fixed Income Fund Management. As part of his previous employer BNP Paribas Mutual Fund, Alok has won numerous awards for stellar fund performance over the last three years.
RETURNS
It is an Open ended scheme that primarily invests in Credit Risk Fund.
The Scheme’s investment objective is to generate capital appreciation over the long term by investing predominantly in corporate debt across the credit spectrum within the universe of investment grade rating. To achieve this objective, the Scheme will seek to make investments in rated, unrated instruments and structured obligations of public and private companies.
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: 16.73%
3-year: 9.54%
5-year: 27.34%
Top holdings include names such as:
The NAV is around ₹14.20 (approx.) for the Bank of India Credit Risk Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹88 Cr.
The expense ratio for the Regular Plan is 1.38.
4% on or before 12M, 3% after 12M but on or before 24M, 2% after 24M but on or before 36M, Nil after 36M.
Minimum SIP starts at ₹5000.
The minimum lump sum investment is ₹5000. 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 manager: Alok Singh
This fund is suitable for investors with a Moderately High risk tolerance.
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