Debt Credit Risk Fund High Risk
To provide the investors an opportunity to predominantly invest in corporate bonds rated AA and below(excluding AA+ rated corporate bonds) so as to generate attractive returns while maintaining moderate liquidity in the portfolio through investment in money market securities.
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 | 0.57% | 1.69% | 2.79% | 4.34% | 6.26% | 7.75% | 7.39% | 7.3% | 6.81% | 7.14% | 7.45% |
| 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 | -0.25% | 0.93% | 2.33% | 4.19% | 5.66% | 15.47% | 23.35% | 33.27% | 38.37% | 99.3% | 379.81% |
| Rank within category | 11 | 5 | 8 | 9 | 9 | 9 | 10 | 8 | 10 | 6 | 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 | 10.48% | 6.89% | 6.19% | 6.5% | 9.78% | 4.95% | 4.25% | 8.32% | 8.08% | 7.92% | 1.85% |
| Q1 returns | 2.53% | 2.05% | 1.75% | 2.41% | 2.12% | 0.5% | 1.09% | 1.51% | 1.95% | 2.23% | 1.27% |
| Q2 returns | 2.36% | 2.07% | 0.37% | -0.06% | 2.2% | 1.73% | -0.02% | 3.37% | 2.09% | 2.39% | 0.57% |
| Q3 Returns | 3.2% | 1.9% | 1.5% | 2.35% | 2.16% | 1.86% | 1.55% | 1.57% | 1.98% | 1.53% | N/A |
| Q4 Returns | 2% | 0.71% | 2.44% | 1.66% | 2.95% | 0.78% | 1.58% | 1.63% | 1.83% | 1.53% | N/A |
Expense ratio: 1.55%
Inclusive of GST
Exit load
Nil for 8% of investment and 3% for remaining investment on or before 12M, Nil for 8% of investment and 1.5% for remaining investment after 12M but before 24M, Nil for 8% of investment and 0.75% for remaining investment after 24M but before 36M, Nil after 36M
| Alpha | 0.0710799 |
| Beta | 0.2503 |
| Sharpe Ratio | 0.265071 |
| Sortino Ratio | 0.274568 |
| R-Squared | 0.5028 |
| Tracking Error | 0.5701 |
| Downside Risk | 0.4832 |
| Std. Deviation (Annualised) | 0.8814 |
| 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 | 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 Current | 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 | 10.98% |
| Corporate Debt | 75.32% | |
| REITs & InvITs | 7.99% | |
| Cash & Cash Equivalents and Net Assets | 3.07% | |
| Treasury Bills | 2.25% | |
| Alternative Investment Fund | 0.39% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 92.01% | |
| Transport Infrastructure | 7.43% | |
| Construction | 0.55% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| 7.02% CGL 2031 | Government Securities | 7.08% | |
| Infopark Properties Ltd. | Corporate Debt | 4.93% | |
| Renew Solar Energy (Jharkhand Five) Pvt. Ltd. | Corporate Debt | 4.74% | |
| NJ Capital Pvt. Ltd. | Corporate Debt | 4.63% | |
| H.G. Infra Engineering Ltd. | Corporate Debt | 4.62% | |
| JTPM Metal Traders Ltd. | Corporate Debt | 4.41% | |
| Renserv Global Pvt Ltd. | Corporate Debt | 3.75% | |
| Avanse Financial Services Ltd. | Corporate Debt | 3.75% | |
| Aditya Birla Renewables Ltd. | Corporate Debt | 3.52% | |
| Motilal Oswal Home Finance Ltd. | Corporate Debt | 3.51% | |
| JSW Kalinga Steel Ltd. | Corporate Debt | 3.49% | |
| National Bank for Agriculture and Rural Development | Corporate Debt | 3.49% | |
| Cube Highways Trust - (CUBEINVIT) | Transport Infrastructure | REITs & InvITs | 3.47% |
| National Bank for Agriculture and Rural Development | Corporate Debt | 3.36% | |
| Raajmarg Infra Investment Trust | Transport Infrastructure | REITs & InvITs | 3.01% |
| Kogta Financial (India) Ltd. | Corporate Debt | 3.01% | |
| GMR Airports Ltd. | Corporate Debt | 2.94% | |
| Gaursons India Pvt. Ltd. | Corporate Debt | 2.79% | |
| Net Receivable / Payable | Cash & Cash Equivalents and Net Assets | 2.40% | |
| Small Industries Development Bank of India | Corporate Debt | 2.35% | |
| Aditya Birla Real Estate Ltd. | Corporate Debt | 2.34% | |
| 7.47% State Government of Karnataka 2036 | Government Securities | 2.31% | |
| 364 DAY T-BILL 28.01.27 | Treasury Bills | 2.25% | |
| Eris Lifesciences Ltd. | Corporate Debt | 2.12% | |
| Eris Lifesciences Ltd. | Corporate Debt | 1.88% | |
| Indostar Capital Finance Ltd. | Corporate Debt | 1.17% | |
| National Bank for Agriculture and Rural Development | Corporate Debt | 1.17% | |
| Godrej Seeds & Genetics Ltd. | Corporate Debt | 1.16% | |
| Godrej Seeds & Genetics Ltd. | Corporate Debt | 1.15% | |
| Godrej Seeds & Genetics Ltd. | Corporate Debt | 1.15% | |
| Godrej Seeds & Genetics Ltd. | Corporate Debt | 1.15% | |
| 6.48% CGL 2035 | Government Securities | 1.13% | |
| Vertis Infrastructure Trust | Transport Infrastructure | REITs & InvITs | 0.95% |
| Yes Bank Ltd. | Corporate Debt | 0.93% | |
| Sheela Foam Ltd. | Corporate Debt | 0.88% | |
| Mahanagar Telephone Nigam Ltd. | Corporate Debt | 0.69% | |
| TREPS | Cash & Cash Equivalents and Net Assets | 0.67% | |
| Capital Infra Trust | Construction | REITs & InvITs | 0.55% |
| Corporate Debt Market Development Fund-A2 | Alternative Investment Fund | 0.39% | |
| 7.55% State Government of Maharashtra 2034 | Government Securities | 0.24% | |
| Small Industries Development Bank of India | Corporate Debt | 0.23% | |
| 6.90% CGL 2065 | Government Securities | 0.21% | |
| Total | 100.00% |
RETURNS
It is an Open ended scheme that primarily invests in Credit Risk Fund.
To provide the investors an opportunity to predominantly invest in corporate bonds rated AA and below(excluding AA+ rated corporate bonds) so as to generate attractive returns while maintaining moderate liquidity in the portfolio through investment in money market securities.
The scheme benchmark is the NIFTY Credit Risk Bond 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: 5.66%
3-year: 7.24%
5-year: 6.71%
Top holdings include names such as:
The NAV is around ₹47.98 (approx.) for the SBI Credit Risk Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹2,134 Cr.
The expense ratio for the Regular Plan is 1.55.
Nil for 8% of investment and 3% for remaining investment on or before 12M, Nil for 8% of investment and 1.5% for remaining investment after 12M but before 24M, Nil for 8% of investment and 0.75% for remaining investment after 24M but before 36M, Nil after 36M.
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: Lokesh Mallya
This fund is suitable for investors with a High risk tolerance.
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