Debt Credit Risk Fund High Risk Fund Managers: Manish Banthia, Akhil Kakkar
Debt Credit Risk Fund High Risk
To generate income through investing predominantly in AA and below rated corporate bonds while maintaining the optimum balance of yield, safety and liquidity.
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 | 0.68% | 1.47% | 3.19% | 5.43% | 8.28% | 8.52% | 8.24% | 7.61% | 7.35% | 7.81% | 8.23% |
| Category returns | 0.47% | 1.62% | 3.17% | 4.81% | 8.06% | 8.98% | 8.53% | 7.68% | 9.08% | 6.33% | N/A |
| Absolute returns | 0.68% | 1.47% | 3.19% | 5.43% | 8.28% | 17.8% | 26.91% | 34.16% | 42.59% | 112.12% | 237.1% |
| Rank within category | 3 | 6 | 3 | 3 | 4 | 4 | 4 | 5 | 8 | 2 | 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 | 9.54% | 6.77% | 6.64% | 9.48% | 9.79% | 6.23% | 5.05% | 7.24% | 8.46% | 9.53% | 1.54% |
| Q1 returns | 1.38% | 1.81% | 1.97% | 2.27% | 2.25% | 1.03% | 1.49% | 1.62% | 2.34% | 2.15% | 0.77% |
| Q2 returns | 2.29% | 2.16% | 0.95% | 1.66% | 2.02% | 2.34% | 0.18% | 1.83% | 1.64% | 2.82% | 0.76% |
| Q3 Returns | 3.51% | 1.82% | 1.23% | 2.47% | 2.5% | 1.58% | 1.58% | 1.6% | 2.69% | 2.2% | N/A |
| Q4 Returns | 2.05% | 0.82% | 2.34% | 2.76% | 2.68% | 1.14% | 1.72% | 2% | 1.54% | 2.04% | N/A |
Expense ratio: 1.37%
Inclusive of GST
Exit load
Nil upto 10% of units and 1% on remaining units on or before 1Y, Nil after 1Y
| Alpha | 0.12025 |
| Beta | 0.2568 |
| Sharpe Ratio | 0.455814 |
| Sortino Ratio | 0.526996 |
| R-Squared | 0.4027 |
| Tracking Error | 0.5965 |
| Downside Risk | 0.6266 |
| Std. Deviation (Annualised) | 1.036 |
| 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 | -0% | -0.25% | 0.78% | 1.79% | 4.5% | 13.7% | 10.85% | 7.49% | 7.34% | 222.83 | 1.22 | 0.26 | Moderately High |
| Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth | 0.96% | 1.9% | 7.02% | 9.35% | 12.51% | 11.94% | 9.8% | 8.46% | 8.53% | 1,178.19 | 1.66 | 0.48 | High |
| HSBC Credit Risk Fund - Regular Plan - Growth | 0.37% | 1.19% | 2.39% | 3.64% | 17.37% | 10.89% | 8.48% | 7.03% | 7.62% | 475.54 | 1.64 | 0.18 | Moderate |
| ICICI Prudential Credit Risk Fund - Growth Current | 0.68% | 1.47% | 3.19% | 5.43% | 8.28% | 8.24% | 7.35% | 7.81% | 8.23% | 5,833.83 | 1.37 | 0.46 | High |
| Nippon India Credit Risk Fund - Growth | 0.41% | 1.7% | 3.09% | 4.82% | 7.75% | 8.15% | 8.41% | 5.94% | 6.46% | 1,057.55 | 1.48 | 0.56 | High |
| Invesco India Credit Risk Fund - Regular Plan - Growth | 0.22% | 0.93% | 2.31% | 3.34% | 5.32% | 7.8% | 6.74% | 5.57% | 6.17% | 159.38 | 1.45 | 0.24 | Moderate |
| Bank of India Credit Risk Fund - Regular Plan - Growth | 0.75% | 6.47% | 7.72% | 9.5% | 11.13% | 7.75% | 26.5% | 1.93% | 2.66% | 100.26 | 1.38 | 0.11 | Moderately High |
| Axis Credit Risk Fund - Regular Plan - Growth | 0.5% | 1.47% | 2.98% | 4.99% | 7.49% | 7.71% | 6.7% | 6.69% | 7.19% | 351.04 | 1.57 | 0.39 | High |
| Baroda BNP Paribas Credit Risk Fund - Regular Plan - Growth | 0.6% | 1.42% | 2.65% | 4.47% | 6.85% | 7.66% | 8.38% | 7.5% | 7.83% | 174.61 | 1.61 | 0.40 | Moderately High |
| Kotak Credit Risk Fund - Growth | 0.34% | 1.17% | 2.49% | 4.62% | 7.67% | 7.48% | 5.8% | 6.58% | 7.36% | 691.20 | 1.71 | 0.19 | Moderately High |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
REITs & InvITs | 9.23% |
| Corporate Debt | 69.32% | |
| Cash & Cash Equivalents and Net Assets | 2.88% | |
| Certificate of Deposit | 8.45% | |
| Government Securities | 9.72% | |
| Alternative Investment Fund | 0.39% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| Embassy Office Parks REIT | REITs & InvITs | 4.12% | |
| 9.5% Keystone Realtors Ltd. ** | Corporate Debt | 3.99% | |
| 9.9% Millennia Realtors Pvt Ltd ** | Corporate Debt | 3.60% | |
| 9.4% Vedanta Ltd. ** | Corporate Debt | 3.43% | |
| 8.7% Adani Enterprises Ltd. ** | Corporate Debt | 3.39% | |
| JTPM Metal Traders Ltd. ** | Corporate Debt | 3.21% | |
| 10.81% Bamboo Hotels & Global Centre (Delhi) Pvt Ltd. ** | Corporate Debt | 3.18% | |
| 8.5% Nirma Ltd. ** | Corporate Debt | 2.57% | |
| 8.5% SIS Ltd. ** | Corporate Debt | 2.13% | |
| 8.14% Lodha Developers Ltd. ** | Corporate Debt | 2.05% | |
| 9.6% Indostar Capital Finance Ltd. ** | Corporate Debt | 1.72% | |
| 8.8606% JM Financial Home Loans ** | Corporate Debt | 1.72% | |
| 9% Nuvama Wealth & Investment Ltd ** | Corporate Debt | 1.71% | |
| 8.32% Kalpataru Projects International Ltd ** | Corporate Debt | 1.71% | |
| 8.8% 360 One Prime Ltd ** | Corporate Debt | 1.71% | |
| 9.5% TVS Credit Services Ltd. ** | Corporate Debt | 1.66% | |
| Net Current Assets | Cash & Cash Equivalents and Net Assets | 1.66% | |
| 9.75% Kogta Financial (India) Ltd. ** | Corporate Debt | 1.62% | |
| HDFC Bank Ltd. ** | Certificate of Deposit | 1.61% | |
| 9.95% Ashiana Housing Ltd. ** | Corporate Debt | 1.46% | |
| Capital Infra Trust | REITs & InvITs | 1.40% | |
| Mindspace Business Parks REIT | REITs & InvITs | 1.35% | |
| 9.31% Vedanta Ltd. ** | Corporate Debt | 1.29% | |
| TREPS | Cash & Cash Equivalents and Net Assets | 1.22% | |
| 8.5% Prism Johnson Ltd. ** | Corporate Debt | 1.20% | |
| 8.6% Prism Johnson Ltd. ** | Corporate Debt | 1.20% | |
| 8.85% TVS Credit Services Ltd. ** | Corporate Debt | 1.19% | |
| 9.25% Ess Kay Fincorp Ltd ** | Corporate Debt | 1.11% | |
| 7.53% NABARD | Corporate Debt | 1.11% | |
| 9.66% Aadharshila Infratech Pvt Ltd ** | Corporate Debt | 1.11% | |
| 8% Adani Power Ltd. ** | Corporate Debt | 1.11% | |
| Indus Infra Trust | REITs & InvITs | 1.06% | |
| 9.95% Indostar Capital Finance Ltd. ** | Corporate Debt | 0.87% | |
| 9.15% Piramal Finance Ltd. ** | Corporate Debt | 0.86% | |
| 8.65% Creamline Dairy Products Ltd ** | Corporate Debt | 0.86% | |
| 8.6% Lodha Developers Ltd. ** | Corporate Debt | 0.86% | |
| 8.05% Oberoi Realty Ltd. ** | Corporate Debt | 0.86% | |
| 9.4% Avanse Financial Services Ltd ** | Corporate Debt | 0.86% | |
| 9.4% Avanse Financial Services Ltd ** | Corporate Debt | 0.86% | |
| 8.25% Narayana Hrudayalaya Ltd. ** | Corporate Debt | 0.85% | |
| 8.75% 360 One Prime Ltd ** | Corporate Debt | 0.85% | |
| 8.2% Hampi Expressways Private Ltd. ** | Corporate Debt | 0.84% | |
| 8.65% Creamline Dairy Products Ltd ** | Corporate Debt | 0.84% | |
| 7.24% State Government of Maharashtra | Government Securities | 0.84% | |
| 7.26% State Government of Tamil Nadu | Government Securities | 0.84% | |
| 7.24% State Government of Uttar Pradesh | Government Securities | 0.83% | |
| 8.75% Aptus Value Housing Finance India Ltd. ** | Corporate Debt | 0.82% | |
| Canara Bank ** | Certificate of Deposit | 0.81% | |
| Punjab National Bank | Certificate of Deposit | 0.81% | |
| Bank Of Baroda ** | Certificate of Deposit | 0.81% | |
| Punjab National Bank | Certificate of Deposit | 0.81% | |
| HDFC Bank Ltd. ** | Certificate of Deposit | 0.80% | |
| Bank Of Baroda ** | Certificate of Deposit | 0.80% | |
| HDFC Bank Ltd. | Certificate of Deposit | 0.80% | |
| NABARD | Certificate of Deposit | 0.80% | |
| 6.68% Government Securities | Government Securities | 0.79% | |
| 7.34% Government Securities | Government Securities | 0.78% | |
| 8% Yes Bank Ltd. ** | Corporate Debt | 0.77% | |
| 6.9% Government Securities | Government Securities | 0.76% | |
| Brookfield India Real Estate Trust REIT | REITs & InvITs | 0.71% | |
| 8.75% Aptus Value Housing Finance India Ltd. ** | Corporate Debt | 0.69% | |
| 7.05% Mahanagar Telephone Nigam Ltd. ** # | Corporate Debt | 0.68% | |
| 7.18% State Government of Maharashtra | Government Securities | 0.66% | |
| 9.25% Bahadur Chand Investments Pvt. Ltd. ** | Corporate Debt | 0.60% | |
| 9.25% Bahadur Chand Investments Pvt. Ltd. ** | Corporate Debt | 0.60% | |
| 7.44% NABARD ** | Corporate Debt | 0.60% | |
| 7.24% Government Securities | Government Securities | 0.57% | |
| 7.29% State Government of Rajasthan | Government Securities | 0.57% | |
| 10.1% Indostar Capital Finance Ltd. ** | Corporate Debt | 0.52% | |
| Raajmarg Infra Investment Trust | REITs & InvITs | 0.51% | |
| 10.25% Tyger Capital Private Ltd. ** | Corporate Debt | 0.47% | |
| 10.25% Tyger Capital Private Ltd. ** | Corporate Debt | 0.47% | |
| 8.6% Tata Projects Ltd. ** | Corporate Debt | 0.43% | |
| 9.99% Jhajjar Power Ltd. ** | Corporate Debt | 0.43% | |
| 7.48% NABARD | Corporate Debt | 0.43% | |
| 7.34% Small Industries Development Bank Of India. ** | Corporate Debt | 0.43% | |
| 6.92% Power Finance Corporation Ltd. | Corporate Debt | 0.42% | |
| 7.25% State Government of Maharashtra | Government Securities | 0.41% | |
| Canara Bank ** | Certificate of Deposit | 0.40% | |
| Corporate Debt Market Development Fund (Class A2) | Alternative Investment Fund | 0.39% | |
| 8.45% Sheela Foam Ltd. ** | Corporate Debt | 0.34% | |
| 8.45% Sheela Foam Ltd. ** | Corporate Debt | 0.34% | |
| 7.34% State Government of Telangana | Government Securities | 0.34% | |
| 7.54% State Government of Rajasthan | Government Securities | 0.33% | |
| 7.14% State Government of Maharashtra | Government Securities | 0.33% | |
| 7.24% State Government of Rajasthan | Government Securities | 0.32% | |
| 7.63% State Government of Andhra Pradesh | Government Securities | 0.31% | |
| 7.12% State Government of Maharashtra | Government Securities | 0.27% | |
| 8.65% Aadhar Housing Finance Ltd. ** | Corporate Debt | 0.26% | |
| 7.46% State Government of Rajasthan | Government Securities | 0.25% | |
| 7.47% State Government of Karnataka | Government Securities | 0.19% | |
| 7.13% State Government of Karnataka | Government Securities | 0.17% | |
| 7.68% Godrej Seeds & Genetics Ltd. ** | Corporate Debt | 0.11% | |
| 7.68% Godrej Seeds & Genetics Ltd. ** | Corporate Debt | 0.11% | |
| 7.68% Godrej Seeds & Genetics Ltd. ** | Corporate Debt | 0.11% | |
| 7.68% Godrej Seeds & Genetics Ltd. ** | Corporate Debt | 0.11% | |
| Altius Telecom Infrastructure Trust | REITs & InvITs | 0.10% | |
| 7.27% State Government of Maharashtra | Government Securities | 0.05% | |
| 7.29% State Government of West Bengal | Government Securities | 0.05% | |
| 7.48% State Government of Maharashtra | Government Securities | 0.04% | |
| 7.36% State Government of Uttar Pradesh | Government Securities | 0.02% | |
| 7.49% Indian Railway Finance Corporation Ltd. ** | Corporate Debt | 0.02% | |
| 7.19% State Government of Tamil Nadu | Government Securities | 0.01% | |
| Nexus Select Trust | REITs & InvITs | 0.00% | |
| Total | 100.00% |
RETURNS
It is an Open ended scheme that primarily invests in Credit Risk Fund.
To generate income through investing predominantly in AA and below rated corporate bonds while maintaining the optimum balance of yield, safety and liquidity.
The scheme benchmark is the CRISIL Credit Risk Debt Index
It is classified as High Risk, suitable for investors with a High risk appetite.
Returns Delivered by the funds are as follows:
1-year: 8.28%
3-year: 8.26%
5-year: 7.35%
Top holdings include names such as:
The NAV is around ₹33.71 (approx.) for the ICICI Prudential Credit Risk Fund - Growth.
The fund’s AUM is approximately ₹5,834 Cr.
The expense ratio for the Regular Plan is 1.37.
Nil upto 10% of units and 1% on remaining units on or before 1Y, Nil after 1Y.
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: Manish Banthia, Akhil Kakkar
This fund is suitable for investors with a High risk tolerance.
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