Aditya Birla Sun Life Credit Risk Fund Regular-Growth

Q: What are the returns of Aditya Birla Sun Life Credit Risk Fund?

The Aditya Birla Sun Life Credit Risk Fund is a 10 yrs 5 m old fund and has delivered average annual returns of 8.17% since inception. Aditya Birla Sun Life Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 15.96% 10.31% 9.2% 8.17% 8.17%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹22.6459+0.05% 1 day change	8.17% p.a.	App exclusive #NA View Ranked Funds	₹985 Cr

Historical NAV & returns

NAV: ₹22.6459 as on Sep 03, 2025

This fund Category average

Aditya Birla Sun Life Credit Risk Fund overview

Expense ratio	1.54% as on Aug 31, 2025
Plan type	Regular
Exit load	3.0% Exit load for units in excess of 15% of the investment, exit load of 3% if redeemed within 1 year, 2% if redeemed after 1 year but within 2 years, 1% if redeemed after 2 years but within 3 years.!
AUM (Fund size)	₹985 Cr
Lock-in Period	Nil
Age	10 yrs 5 m since Mar 30, 2015
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	Lumpsum: ₹5000
Risk	High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Aditya Birla Sun Life Credit Risk Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 04, 2025

Period	This fund	Category average
1 Month	0.15%	0.11%
3 Months	1.7%	1.17%
6 Months	5.37%	5.49%
1 Year	15.96%	9.5%
2 Years	12.2%	8.62%
3 Years	10.31%	7.93%
4 Years	9.4%	9.18%
5 Years	9.2%	8.99%
7 Years	7.97%	5.65%
10 Years	8.17%	6.35%

Asset allocationas on Apr 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AA 33.9454329%

AA- 20.03052827%

AAA 13.62743039%

SOV 10.27600632%

Top Debt Holdings

GOI 10.22%

JSW Steel Ltd. 5.56%

Indian Railway Finance Corporation Ltd. 4.63%

Aditya Birla Real Estate Ltd. 4.56%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Nexus Select Trust 2.46%

Indus Infra Trust 2.02%

IndiGrid Infrastructure Trust 1.65%

Embassy Office Parks REIT 1.14%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Aditya Birla Sun Life Credit Risk Fund	N.A.	985 Cr	10 yrs 5 m	1.54%
Bank of India Credit Risk Fund	N.A.	110 Cr	10 yrs 7 m	1.52%
Baroda BNP Paribas Credit Risk Fund	N.A.	178 Cr	10 yrs 8 m	1.61%
SBI Credit Risk Fund	N.A.	2,245 Cr	21 yrs 2 m	1.55%
ICICI Prudential Credit Risk Fund	N.A.	6,135 Cr	14 yrs 9 m	1.4%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Credit Risk Fund	0.15%	5.37%	15.96%	10.31%	9.2%	8.17%
Bank of India Credit Risk Fund	0.29%	3.31%	6.03%	5.71%	25.86%	1.67%
Baroda BNP Paribas Credit Risk Fund	0.2%	4.44%	8.2%	7.72%	9.63%	7.73%
SBI Credit Risk Fund	0.06%	4.49%	8.14%	7.94%	6.92%	7.36%
ICICI Prudential Credit Risk Fund	0.31%	4.9%	8.58%	7.9%	7.27%	7.8%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Credit Risk Fund	2.51	2.18	1.42	5.95
Bank of India Credit Risk Fund	0.76	0.87	-0.98	-2.29
Baroda BNP Paribas Credit Risk Fund	0.72	1.61	1.62	3.48
SBI Credit Risk Fund	1.23	1.95	1.1	3.06
ICICI Prudential Credit Risk Fund	0.98	2.35	1.33	2.67

View all Credit Risk funds

Key risk & return ratios Compared to other funds in the category

Alpha	7.61 vs. 4.87 Higher outperformance against benchmark
Sharpe	1.42 vs. 5.31 Poor risk-adjusted returns
Beta	2.18 vs. 2.29 Less sensitive to market ups & downs
Standard deviation	2.51 vs. 2.02 More volatile performance

Compare Aditya Birla Sun Life Credit Risk Fund in detail with

About this fund

About Aditya Birla Sun Life Credit Risk Fund

Aditya Birla Sun Life Credit Risk Fund Regular-Growth is a Credit Risk mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 10 yrs 5 m, having been launched on 30/03/2015. Aditya Birla Sun Life Credit Risk Fund Regular-Growth has ₹985 Crores worth of assets under management (AUM) as on 30/04/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Aditya Birla Sun Life Credit Risk Fund Regular-Growth as of 03/09/2025 is ₹22.65. The fund has an expense ratio of 1.54%, which is higher than what most other Credit Risk funds charge.

Aditya Birla Sun Life Credit Risk Fund Regular-Growth returns of last 1-year are 16.08%. Since launch, it has delivered 8.19% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Aditya Birla Sun Life Credit Risk Fund Regular-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund's credit profile is low indicating it has lent to borrowers whose quality is not too great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, JSW Steel Ltd., Indian Railway Finance Corporation Ltd., Aditya Birla Real Estate Ltd., Avanse Financial Services Ltd..

...

Fund AUM	985 Cr as on Apr 30, 2025
Scheme document	View Scheme Document

Fund managers

Sunaina da Cunha

Ms. Cunha is a B.Com (H) and MBA from FMS, Delhi. Prior to joining Aditya Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.

Mohit Sharma

Mr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta). Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).

Investment objective

The scheme seeks to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade.

Aditya Birla Sun Life Mutual Fund details

No. of schemes	90 view all schemes
Total AUM	4,05,267 Cr as on Jun 30, 2025
Address	One World Center, Tower 1, 17th Floor, Jupiter Mill Compound Senapati Bapat Marg, Elphinstone Road Mumbai, 400013

More funds from Aditya Birla Sun Life Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Aditya Birla Sun Life Medium Term Fund	N.A.	2,338 Cr	12.61%	9.2%
Aditya Birla Sun Life Floating Rate Fund	N.A.	13,438 Cr	8.05%	7.61%
Aditya Birla Sun Life Corporate Bond Fund	N.A.	25,884 Cr	7.74%	7.56%
Aditya Birla Sun Life Money Manager Fund	N.A.	27,171 Cr	7.83%	7.52%
Aditya Birla Sun Life Savings Fund	N.A.	13,294 Cr	7.91%	7.4%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Aditya Birla Sun Life Credit Risk Fund?

The current Net Asset Value (NAV) of the Aditya Birla Sun Life Credit Risk Fund - Direct Growth plan is approximately ₹22.6459 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Credit Risk Fund is a 10 yrs 5 m old fund and has delivered average annual returns of 8.17% since inception.

Aditya Birla Sun Life Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
15.96%	10.31%	9.2%	8.17%	8.17%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Credit Risk Fund - Direct Growth has an expense ratio of 1.54%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The Aditya Birla Sun Life Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately 985 Cr as on Apr 30, 2025.

To whom does Aditya Birla Sun Life Credit Risk Fund lend to?

The top 3 debt holdings of Aditya Birla Sun Life Credit Risk Fund are as follows

Holding Name	Percentage of Portfolio
GOI	10.22%
JSW Steel Ltd.	5.56%
Indian Railway Finance Corporation Ltd.	4.63%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Aditya Birla Sun Life Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	33.9454329%
AA-	20.03052827%
AAA	13.62743039%

What is risk level of Aditya Birla Sun Life Credit Risk Fund?

This is a Credit Risk fund comes with High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in Aditya Birla Sun Life Credit Risk Fund?

Aditya Birla Sun Life Credit Risk Fund Regular-Growth is the regular plan of the fund. For this plan of you pay 1.54% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.67%. That's 0.87% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.87% if you opt for direct plan of Aditya Birla Sun Life Credit Risk Fund

How can I redeem my investments in Aditya Birla Sun Life Credit Risk Fund?

Redeeming your investments in Aditya Birla Sun Life Credit Risk Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in Aditya Birla Sun Life Credit Risk Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Credit Risk

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 10 Years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load for units in excess of 15% of the investment, exit load of 3% if redeemed within 1 year, 2% if redeemed after 1 year but within 2 years, 1% if redeemed after 2 years but within 3 years.