Debt Credit Risk Fund Moderately High Risk
The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & 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 | 0.71% | 1.65% | 2.84% | 4.59% | 7.15% | 8.27% | 8.02% | 7.44% | 8.33% | 5.92% | 6.45% |
| 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 | 0.42% | 1.07% | 2.75% | 4.77% | 6.66% | 17.01% | 25.72% | 35.02% | 49% | 77.74% | 270.95% |
| Rank within category | 9 | 6 | 7 | 6 | 5 | 7 | 7 | 7 | 6 | 10 | 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 | 10.01% | 7.03% | 6.06% | 1.94% | -5.89% | 13.5% | 3.87% | 7.94% | 8.27% | 8.95% | 2.42% |
| Q1 returns | 2.25% | 1.97% | 1.8% | 2.2% | -11.05% | 1.76% | 1.08% | 1.91% | 2.03% | 2.31% | 1.18% |
| Q2 returns | 2.26% | 2.02% | 0.46% | -2.27% | 0.49% | 1.73% | -0.4% | 2.29% | 1.83% | 2.74% | 1.22% |
| Q3 Returns | 3.16% | 1.81% | 1.41% | 1.54% | 2.25% | 8.26% | 1.57% | 1.81% | 2.27% | 1.94% | N/A |
| Q4 Returns | 2% | 1.05% | 2.28% | 0.51% | 2.96% | 1.28% | 1.58% | 1.7% | 1.89% | 1.68% | N/A |
Expense ratio: 1.74%
Inclusive of GST
Exit load
Nil for 10% of units and 1% for remaining units on or before 12M, Nil after 12M
| Alpha | 0.118089 |
| Beta | 0.2361 |
| Sharpe Ratio | 0.450693 |
| Sortino Ratio | 0.399542 |
| R-Squared | 0.4864 |
| Tracking Error | 0.5776 |
| Downside Risk | 0.5285 |
| Std. Deviation (Annualised) | 0.8443 |
| 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 Current | 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 | 14.21% |
| Corporate Debt | 71.17% | |
| Certificate of Deposit | 6.70% | |
| Cash & Cash Equivalents and Net Assets | 4.75% | |
| Floating Rate Instruments | 2.27% | |
| Commercial Paper | 0.70% | |
| Alternative Investment Fund | 0.21% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| 7.02% Government of India | Government Securities | 5.35% | |
| 10.5% Triumph Composites Limited | Corporate Debt | 4.26% | |
| 8.55% Aditya Birla Real Estate Limited** | Corporate Debt | 3.86% | |
| 9.75% Delhi International Airport Limited** | Corporate Debt | 3.57% | |
| 7.17% Mindspace Business Parks REIT** | Corporate Debt | 3.48% | |
| HDFC Bank Limited | Certificate of Deposit | 3.36% | |
| Union Bank of India | Certificate of Deposit | 3.34% | |
| Triparty Repo | Cash & Cash Equivalents and Net Assets | 3.21% | |
| 10.4% Muthoot Fincorp Ltd | Corporate Debt | 3.18% | |
| 9.25% Truhome Finance Limited** | Corporate Debt | 2.85% | |
| 10.2% Navi Finserv Limited** | Corporate Debt | 2.82% | |
| 10.96% Gaursons India Private Limited** | Corporate Debt | 2.80% | |
| 9.25% Muthoot Mcred Limited** | Corporate Debt | 2.77% | |
| 9.5% Vedanta Limited** | Corporate Debt | 2.49% | |
| 9.95% Hiranandani Financial Services Private Limited** | Corporate Debt | 2.48% | |
| 5% GMR Airports Limited** | Corporate Debt | 2.28% | |
| Auxilo Finserve Private Limited** | Floating Rate Instruments | 2.27% | |
| 8.28% Mancherial Repallewada Road Private Limited** | Corporate Debt | 2.24% | |
| 7.44% National Bank For Agriculture and Rural Development | Corporate Debt | 2.10% | |
| 6.84% State Government Securities | Government Securities | 2.09% | |
| 8.8% REC Limited** | Corporate Debt | 1.82% | |
| 7.26% Government of India | Government Securities | 1.80% | |
| JSW Kalinga Steel Limited** | Corporate Debt | 1.78% | |
| 9.15% Andhra Pradesh State Beverages Corporation Limited** | Corporate Debt | 1.78% | |
| 7.96% Mindspace Business Parks REIT** | Corporate Debt | 1.77% | |
| 8.45% Adani Airport Holdings Limited | Corporate Debt | 1.77% | |
| 7.79% Small Industries Dev Bank of India** | Corporate Debt | 1.77% | |
| 8.9% Incred Financial Services Limited** | Corporate Debt | 1.76% | |
| 8% Adani Power Limited** | Corporate Debt | 1.76% | |
| 8.95% Vedanta Limited** | Corporate Debt | 1.75% | |
| 9.35% Telangana State Industrial Infrastructure Corporation Limited** | Corporate Debt | 1.74% | |
| 6.57% State Government Securities | Government Securities | 1.71% | |
| 10.81% Bamboo Hotel And Global Centre (Delhi) Private limited** | Corporate Debt | 1.63% | |
| 10.15% Nuvoco Vistas Corporation Limited** | Corporate Debt | 1.57% | |
| Net Current Assets | Cash & Cash Equivalents and Net Assets | 1.53% | |
| 7.32% Government of India | Government Securities | 1.45% | |
| 5% GMR Airports Limited** | Corporate Debt | 1.11% | |
| 9.7% Muthoot Microfin Ltd** | Corporate Debt | 1.04% | |
| Jubilant Beverages Limited** | Corporate Debt | 0.96% | |
| 10% Kosamattam Finance Limited** | Corporate Debt | 0.83% | |
| JTPM Metal Traders Limited** | Corporate Debt | 0.75% | |
| 8.22% State Government Securities | Government Securities | 0.73% | |
| 7.1% Government of India | Government Securities | 0.72% | |
| 9.15% Andhra Pradesh State Beverages Corporation Limited** | Corporate Debt | 0.72% | |
| 7.6% Power Finance Corporation Limited** | Corporate Debt | 0.71% | |
| 7.7% Adani Transmission Step-Two Limited** | Corporate Debt | 0.70% | |
| Trust Investment Advisors Private Limited** | Commercial Paper | 0.70% | |
| 9.4% Indostar Home Finance Private Limited** | Corporate Debt | 0.57% | |
| 8.08% Suryapet Khammam Road Pvt Ltd** | Corporate Debt | 0.50% | |
| 7.17% Government of India | Government Securities | 0.36% | |
| 9.45% Vedanta Limited** | Corporate Debt | 0.36% | |
| 9.25% Muthoot Mcred Limited** | Corporate Debt | 0.34% | |
| 9.4% Indostar Home Finance Private Limited** | Corporate Debt | 0.28% | |
| Corporate Debt Market Development Fund Class A2 | Alternative Investment Fund | 0.21% | |
| Jubilant Bevco Limited** | Corporate Debt | 0.19% | |
| Cash Margin - CCIL | Cash & Cash Equivalents and Net Assets | 0.01% | |
| Total | 100.00% |
RETURNS
It is an Open ended scheme that primarily invests in Credit Risk Fund.
The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments.
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: 6.66%
3-year: 7.92%
5-year: 8.3%
Top holdings include names such as:
The NAV is around ₹37.30 (approx.) for the Nippon India Credit Risk Fund - Growth.
The fund’s AUM is approximately ₹1,410 Cr.
The expense ratio for the Regular Plan is 1.74.
Nil for 10% of units and 1% for remaining units on or before 12M, Nil after 12M.
Minimum SIP starts at ₹500.
The minimum lump sum investment is ₹500. 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: Sushil Budhia, Kinjal Desai
This fund is suitable for investors with a Moderately High risk tolerance.
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