Debt Credit Risk Fund Moderately High Risk
The scheme seeks to generate returns by investing in debt and money market instruments across the credit spectrum. There is no assurance or guarantee that the investment objective of the Scheme will be realized.
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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 | 0.52% | 1.43% | 2.49% | 4.28% | 6.34% | 7.7% | 7.54% | 7.09% | 8.32% | 7.46% | 7.8% |
| 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 | 0.51% | 1.34% | 2.48% | 4.47% | 5.84% | 15.84% | 24.34% | 33.23% | 49.48% | 105.34% | 134.73% |
| Rank within category | 12 | 9 | 10 | 10 | 8 | 10 | 9 | 9 | 7 | 4 | 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 | 11.3% | 8.43% | 5.94% | 2.09% | 2.4% | 19.24% | 4.57% | 7.35% | 8.17% | 8.18% | 2.23% |
| Q1 returns | 2.49% | 2.64% | 1.79% | 1.59% | -0.91% | 5.87% | 1.38% | 1.71% | 2.07% | 2.13% | 1.03% |
| Q2 returns | 2.5% | 2.4% | 0.6% | -1.11% | -3.51% | 1.28% | -0.29% | 2.05% | 1.75% | 2.61% | 1.19% |
| Q3 Returns | 3.72% | 2.01% | 1.12% | 0.76% | 4.17% | 10.1% | 1.95% | 1.67% | 2.5% | 1.63% | N/A |
| Q4 Returns | 2.14% | 1.13% | 2.3% | 0.85% | 2.81% | 1.01% | 1.47% | 1.73% | 1.62% | 1.57% | N/A |
Expense ratio: 1.36%
Inclusive of GST
Exit load
Nil upto 10% of units and 1% for remaining units on or before 1Y, Nil after 1Y
| Alpha | 0.0816748 |
| Beta | 0.2414 |
| Sharpe Ratio | 0.312299 |
| Sortino Ratio | 0.295656 |
| R-Squared | 0.5492 |
| Tracking Error | 0.5689 |
| Downside Risk | 0.3699 |
| Std. Deviation (Annualised) | 0.8123 |
| 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 | 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 Current | 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 % |
|---|---|---|
|
|
Corporate Debt | 78.36% |
| Government Securities | 12.45% | |
| Cash & Cash Equivalents and Net Assets | 5.82% | |
| REITs & InvITs | 2.99% | |
| Alternative Investment Fund | 0.38% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 97.01% | |
| Transport Infrastructure | 2.34% | |
| Power | 0.64% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| 8.35% Tata Projects Limited (22/07/2027) ** | Corporate Debt | 8.60% | |
| 8% Adani Power Limited (27/01/2028) ** | Corporate Debt | 8.52% | |
| 7.70% Nuvoco Vistas Corporation Limited (18/09/2028) ** | Corporate Debt | 8.50% | |
| 9.35% Adani Ports and Special Economic Zone Limited (04/07/2026) ** | Corporate Debt | 5.74% | |
| 9.5% 360 One Prime Limited (19/06/2026) ** | Corporate Debt | 5.74% | |
| 8.5% Nirma Limited (07/04/2027) ** | Corporate Debt | 5.74% | |
| 9.40% Vedanta Limited (20/02/2027) ** | Corporate Debt | 5.73% | |
| 8.60% Truhome Finance Limited (27/08/2027) ** | Corporate Debt | 5.72% | |
| 8.60% Manappuram Finance Limited (24/03/2028) ** | Corporate Debt | 5.71% | |
| 6.01% Government of India (21/07/2030) | Government Securities | 4.48% | |
| 9.95% IndoStar Capital Finance Limited (26/06/2026) ** | Corporate Debt | 4.31% | |
| 8.55% Motilal Oswal Home Finance Limited (07/01/2027) ** | Corporate Debt | 4.00% | |
| Net Receivables / (Payables) | Cash & Cash Equivalents and Net Assets | 3.76% | |
| 6.75% Piramal Finance Limited (26/09/2031) | Corporate Debt | 3.05% | |
| 9.31% Vedanta Limited (03/12/2027) ** | Corporate Debt | 2.87% | |
| 6.94% Government of India (11/05/2036) | Government Securities | 2.86% | |
| 7.04% Government of India (03/06/2029) | Government Securities | 2.33% | |
| 7.34% Small Industries Dev Bank of India (26/02/2029) ** | Corporate Debt | 2.27% | |
| 6.91% State Government Securities (15/09/2033) | Government Securities | 2.20% | |
| Clearing Corporation of India Ltd | Cash & Cash Equivalents and Net Assets | 2.06% | |
| National Highways Infra Trust | Transport Infrastructure | REITs & InvITs | 1.93% |
| 7.56% Power Grid Corporation of India Limited (31/03/2033) ** | Corporate Debt | 1.01% | |
| 7.74% Hindustan Petroleum Corporation Limited (02/03/2028) ** | Corporate Debt | 0.86% | |
| IndiGrid Infrastructure Trust | Power | REITs & InvITs | 0.64% |
| 7.38% Government of India (20/06/2027) | Government Securities | 0.58% | |
| Corporate Debt Market Development Fund # | Alternative Investment Fund | 0.38% | |
| Indus Infra Trust | Transport Infrastructure | REITs & InvITs | 0.37% |
| Raajmarg Infra Investment Trust | Transport Infrastructure | REITs & InvITs | 0.05% |
| Total | 100.00% |
Mr. Wasan has more than 7 years of experience Fixed Income Markets, Credit Analysis and Structured Finance. Prior to joining Principal Mutual Fund, he has worked with Crisil Ltd. and ICICI Bank Ltd.
RETURNS
It is an Open ended scheme that primarily invests in Credit Risk Fund.
The scheme seeks to generate returns by investing in debt and money market instruments across the credit spectrum. There is no assurance or guarantee that the investment objective of the Scheme will be realized.
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: 5.84%
3-year: 7.53%
5-year: 8.37%
Top holdings include names such as:
The NAV is around ₹23.47 (approx.) for the Baroda BNP Paribas Credit Risk Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹174 Cr.
The expense ratio for the Regular Plan is 1.36.
Nil upto 10% of units and 1% for remaining units on or before 1Y, Nil after 1Y.
Minimum SIP starts at ₹1000.
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 managers: Gurvinder Singh Wasan, Vikram Pamnani
This fund is suitable for investors with a Moderately High risk tolerance.
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