SBI Credit Risk Fund Direct-Growth

Q: What are the returns of SBI Credit Risk Fund?

The SBI Credit Risk Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 8.7% since inception. SBI Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 9.97% 8.33% 8.03% 8.2% 8.7%

NAV as of Apr 23, 2025	Returns since inception	ET Money Rank	VRO Ratings
₹48.64+0.03% 1 day change	8.7% p.a.	#NA View Ranked Funds	3

Historical NAV & returns

NAV: ₹48.64 as on Apr 23, 2025

This fund Category average

SBI Credit Risk Fund overview

VRO rating	3
Expense ratio	0.89% as on Mar 31, 2025
Exit load	3.0% For units in excess of 8% of the investment, exit load of 3% if redeemed within 12 months, 1.5% if redeemed after 12 months but within 24 months and 0.75% if redeemed after 24 months but within 36 months!
AUM (Fund size)	₹2,255 Crs
Lock-in	No Lockin
Age	12 yrs 3 m since Jan 01, 2013
Benchmark	NIFTY Credit Risk Bond Index B-II
Min. investment	SIP ₹500 & Lump. ₹5000
Risk	High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

SBI 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 Apr 24, 2025

Period	This fund	Category average
1 month	1.53%	1.51%
3 months	2.98%	3.38%
6 months	5.11%	5.24%
1 year	9.97%	10.28%
3 years	8.33%	8.2%
5 years	8.03%	10.01%
7 years	7.79%	6.31%
10 years	8.2%	7.19%

Asset allocationas on Mar 31, 2025

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AA 40.82%

AA- 19.85%

SOV 14.27%

A+ 10.55%

Top Debt Holdings

GOI 14.27%

Aadhar Housing Finance Ltd 4.98%

Nirma Ltd. 4.91%

Renew Solar Energy (Jharkhand Five) Pvt. Ltd. 4.71%

Allocation by Instruments

Debenture 50.92999999999999%

Non Convertible Debenture 17.27%

GOI Securities 14.27%

Bonds/NCDs 6.67%

Other Holdings

Cube Highways Trust 2.77%

National Highways Infra Trust 0.44%

Others 0.35%

Mindspace Business Parks REIT 0.22%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
SBI Credit Risk Fund	N.A.	₹2,255 Crs	12 yrs 3 m	0.89%
Bank of India Credit Risk Fund	N.A.	₹110 Crs	10 yrs 2 m	1.12%
Aditya Birla Sun Life Credit Risk Fund	N.A.	₹970 Crs	10 yrs	0.67%
ICICI Prudential Credit Risk Fund	N.A.	₹6,131 Crs	12 yrs 3 m	0.77%
Baroda BNP Paribas Credit Risk Fund	N.A.	₹173 Crs	10 yrs 3 m	0.79%

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Credit Risk Fund	1.53%	5.11%	9.97%	8.33%	8.03%	8.2%
Bank of India Credit Risk Fund	1.14%	3.42%	5.9%	5.8%	27.38%	2.03%
Aditya Birla Sun Life Credit Risk Fund	1.72%	8.68%	18.16%	11.58%	10.6%	9.14%
ICICI Prudential Credit Risk Fund	1.64%	4.8%	10.02%	8.25%	8.31%	8.65%
Baroda BNP Paribas Credit Risk Fund	1.5%	4.8%	10.03%	8.21%	10.01%	8.83%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Credit Risk Fund	1.35	2.02	1.14	1.96
Bank of India Credit Risk Fund	0.89	1.21	-0.72	-1.06
Aditya Birla Sun Life Credit Risk Fund	2.98	1.94	1.52	5.49
ICICI Prudential Credit Risk Fund	1.05	1.95	1.37	2.01
Baroda BNP Paribas Credit Risk Fund	0.93	1.82	1.5	1.5

View all Credit Risk funds

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

Alpha	5.73 vs. 5.04 Higher outperformance against benchmark
Sharpe	1.14 vs. 5.28 Poor risk-adjusted returns
Beta	2.02 vs. 1.94 More sensitive to market's ups & downs
Standard deviation	1.35 vs. 1.83 More stable returns

Compare SBI Credit Risk Fund in detail with

About this fund

About SBI Credit Risk Fund

SBI Credit Risk Fund Direct-Growth is a Credit Risk mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 12 yrs 3 m, having been launched on 01/01/2013. SBI Credit Risk Fund Direct-Growth has ₹2,255 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of SBI Credit Risk Fund Direct-Growth as of 23/04/2025 is ₹48.64. The fund has an expense ratio of 0.89%, which is close to what most other Credit Risk funds charge.

SBI Credit Risk Fund Direct-Growth returns of last 1-year are 9.96%. Since launch, it has delivered 8.70% average annual returns. The fund has doubled the money invested in it every 10 yrs.
SBI Credit Risk Fund Direct-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, Aadhar Housing Finance Ltd, Nirma Ltd., Renew Solar Energy (Jharkhand Five) Pvt. Ltd., Infopark Properties Ltd..

...

Fund AUM	₹2,255 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Lokesh Mallya

Mr. Mallya is MBA and FRM. Prior to SBI Mutual Fund, he has worked with Aditya Birla Sun Life AMC as fund manager (Sept 2009-Sept 2014) and as Credit Analyst (July 2006 - Aug 2009).

Adesh Sharma

Mr. Sharma has done B.Tech, M.Tech and PGDM (Finance) Prior to joining SBI Mutual Fund, he has worked with IDFC Bank and Deutsche Bank AG

Investment objective

The scheme seeks 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.

SBI Mutual Fund details

No. of schemes	67 view all schemes
Total AUM	₹10,76,364 Crs as on Mar 31, 2025
Address	9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai, 400051
Phone	022-61793000 / 1800-425-5425

More funds from SBI Mutual Fund

Fund name	ETM Rank	AUM (in Crs.)	1Y	3Y
SBI Magnum Gilt Fund	N.A.	₹11,489 Crs	12.84%	9.17%
SBI CRISIL IBX Gilt Index - June 2036 Fund	N.A.	₹2,508 Crs	13.43%	N.A.
SBI Dynamic Bond Fund	N.A.	₹3,410 Crs	12.27%	9.0%
SBI Magnum Constant Maturity Fund	N.A.	₹1,831 Crs	12.68%	8.59%
SBI Long Duration Fund	N.A.	₹2,982 Crs	13.58%	N.A.

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of SBI Credit Risk Fund?

The current Net Asset Value (NAV) of the SBI Credit Risk Fund - Direct Growth plan is approximately ₹48.64 as of Apr 23, 2025.

What are the returns of this mutual fund scheme?

The SBI Credit Risk Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 8.7% since inception.

SBI Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
9.97%	8.33%	8.03%	8.2%	8.7%

How much does this mutual fund charge as expense ratio?

The SBI Credit Risk Fund - Direct Growth has an expense ratio of 0.89%, 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 SBI Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately ₹2,255 Crs crore as of Mar 31, 2025.

To whom does SBI Credit Risk Fund lend to?

The top 3 debt holdings of SBI Credit Risk Fund are as follows

Holding Name	Percentage of Portfolio
GOI	14.27%
Aadhar Housing Finance Ltd	4.98%
Nirma Ltd.	4.91%

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 SBI Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	40.82%
AA-	19.85%
SOV	14.27%

What is risk level of SBI 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 SBI Credit Risk Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for SBI Credit Risk Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in SBI Credit Risk Fund is complete.

How can I redeem my investments in SBI Credit Risk Fund?

Redeeming your investments in SBI 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 SBI Credit Risk Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Credit Risk

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 10 Years.
Chance: This fund has generated a 7.53% annual return in 70% of times for investors holding for at least 5 years.
Age: This is the oldest Credit Risk fund.
Return/Risk: The fund is performing poorly than its category.
Exit Load: For units in excess of 8% of the investment, exit load of 3% if redeemed within 12 months, 1.5% if redeemed after 12 months but within 24 months and 0.75% if redeemed after 24 months but within 36 months