Debt Credit Risk Fund Moderate Risk
To generate regular returns and capital appreciation by investing predominantly in AA and below rated corporate bonds, debt, government securities and money market instruments.
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 | 0.52% | 1.24% | 2.26% | 3.58% | 5.25% | 13.15% | 10.78% | 9.3% | 8.45% | 7.03% | 7.6% |
| 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 | 0.32% | 0.95% | 2.09% | 3.71% | 4.73% | 27.71% | 35.72% | 44.33% | 49.91% | 97.27% | 238.03% |
| Rank within category | 13 | 12 | 12 | 13 | 13 | 3 | 3 | 3 | 5 | 7 | 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 | 10.05% | 7.2% | 5.58% | 2.26% | 4.98% | 5.67% | 3.19% | 6.46% | 7.15% | 20.32% | 2.06% |
| Q1 returns | 2.09% | 2.25% | 1.72% | 2.07% | 2.38% | 0.58% | 0.68% | 1.5% | 1.73% | 3.23% | 0.87% |
| Q2 returns | 2.2% | 2.05% | 0.39% | -1.1% | -4.42% | 1.11% | -0.46% | 1.7% | 1.64% | 13.51% | 1.17% |
| Q3 Returns | 3.54% | 1.8% | 1.14% | -0.31% | 4.92% | 2.99% | 1.41% | 1.7% | 2.12% | 1.22% | N/A |
| Q4 Returns | 1.87% | 0.91% | 2.22% | 1.63% | 2.25% | 0.89% | 1.54% | 1.42% | 1.47% | 1.44% | N/A |
Expense ratio: 1.64%
Inclusive of GST
Exit load
NIL upto 10% of units and 1% for remaining units on or before 1Y, Nil after 1Y
| Alpha | 0.361728 |
| Beta | 0.8115 |
| Sharpe Ratio | 0.174893 |
| Sortino Ratio | 1.56689 |
| R-Squared | 0.0937 |
| Tracking Error | 1.8197 |
| Downside Risk | 0.5418 |
| Std. Deviation (Annualised) | 6.6042 |
| 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 Current | 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 % |
|---|---|---|
|
|
Government Securities | 10.66% |
| Corporate Debt | 80.62% | |
| Cash & Cash Equivalents and Net Assets | 4.60% | |
| PTC & Securitized Debt | 3.72% | |
| Alternative Investment Fund | 0.40% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| 6.01% GOI 21Jul2030 | Government Securities | 6.36% | |
| Aditya Birla Renewables Limited** | Corporate Debt | 5.61% | |
| Power Grid Corporation of India Limited** | Corporate Debt | 5.59% | |
| JTPM Metal Traders** | Corporate Debt | 5.58% | |
| Godrej Seeds & Genetics Limited** | Corporate Debt | 5.56% | |
| Nuvoco Vistas Corporation Limited** | Corporate Debt | 5.53% | |
| Nirma Limited** | Corporate Debt | 5.43% | |
| NABARD** | Corporate Debt | 5.40% | |
| REC Limited** | Corporate Debt | 5.40% | |
| Power Finance Corporation Limited** | Corporate Debt | 5.33% | |
| Treps | Cash & Cash Equivalents and Net Assets | 5.00% | |
| JSW Kalinga Steel Ltd** | Corporate Debt | 4.27% | |
| Vedanta Limited** | Corporate Debt | 3.48% | |
| MAS Financial Services Limited** | Corporate Debt | 3.45% | |
| Aadhar Housing Finance Limited** | Corporate Debt | 3.40% | |
| Aditya Birla Digital Fashion Venture Ltd** | Corporate Debt | 3.37% | |
| Vedanta Limited** | Corporate Debt | 3.28% | |
| Delhi International Airport Limited** | Corporate Debt | 3.26% | |
| Dhruva XXIV** | PTC & Securitized Debt | 2.49% | |
| Indostar Capital Finance Limited** | Corporate Debt | 2.31% | |
| Aditya Birla Real Estate Limited** | Corporate Debt | 2.25% | |
| GOI Floating Rate FRB 22-Sep-2033 | Government Securities | 2.23% | |
| Indostar Capital Finance Limited** | Corporate Debt | 2.14% | |
| Vajra 011 Trust** | PTC & Securitized Debt | 1.23% | |
| 6.48% GOI 06Oct2035 | Government Securities | 1.03% | |
| 6.68% GOI 07Jul2040 | Government Securities | 1.03% | |
| Corp Debt Mkt Devlop Fund (SBI AIF Fund) | Alternative Investment Fund | 0.40% | |
| Net Current Assets (including cash & bank balances) | Cash & Cash Equivalents and Net Assets | -0.40% | |
| Total | 100.00% |
Mr. Shriram Ramanathan has 14 years of experience. His previous assignments includes ING Investment Management Asia Pacific -Hong Kong,ING Investment Management (India) Pvt. Ltd., Zurich (India) Asset Management Company.
RETURNS
It is an Open ended scheme that primarily invests in Credit Risk Fund.
To generate regular returns and capital appreciation by investing predominantly in AA and below rated corporate bonds, debt, government securities and money market instruments.
The scheme benchmark is the NIFTY Credit Risk Bond Index
It is classified as Moderate Risk, suitable for investors with a Moderate risk appetite.
Returns Delivered by the funds are as follows:
1-year: 4.94%
3-year: 10.79%
5-year: 8.48%
Top holdings include names such as:
The NAV is around ₹33.89 (approx.) for the HSBC Credit Risk Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹471 Cr.
The expense ratio for the Regular Plan is 1.64.
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 manager: Shriram Ramanathan
This fund is suitable for investors with a Moderate risk tolerance.
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