SBI Credit Risk Fund

Q: What are the returns of this mutual fund scheme?

The SBI Credit Risk Fund is a 21 yrs 6 m old fund and has delivered average annual returns of 7.45% since inception. SBI Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.27% 7.96% 6.77% 7.27% 7.45%

Q: How much does this mutual fund charge as expense ratio?

The SBI Credit Risk Fund has an expense ratio of 1.55% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹47.1635-0.04% 1 day change	7.45% p.a.	App exclusive #NA View Ranked Funds	₹2,175 Cr

Historical NAV & returns

NAV: ₹47.1635 as on Feb 02, 2026

This fund Category average

SBI Credit Risk Fund overview

AUM (Fund size)	₹2,175 Cr
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!
Lock-in Period	Nil
Age	21 yrs 6 m since Jul 05, 2004
Benchmark	NIFTY Credit Risk Bond Index B-II
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Expense ratio	1.55% as on Feb 02, 2026
Plan type	Regular
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 Feb 03, 2026

Period	This fund	Category average
1 Month	0.13%	0.13%
3 Months	0.98%	0.85%
6 Months	2.33%	2.29%
1 Year	7.27%	6.85%
2 Years	7.68%	7.22%
3 Years	7.96%	7.18%
4 Years	7.11%	6.47%
5 Years	6.77%	6.18%
7 Years	7.02%	6.73%
10 Years	7.27%	7.02%

Asset allocationas on Dec 31, 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- 25.29%

AA 25.07%

SOV 16.56%

Cash & Call Money 7.64%

Top Debt Holdings

GOI 16.56%

Infopark Properties Ltd. 4.85%

Renew Solar Energy (Jharkhand Five) Pvt. Ltd. 4.75%

H.G. Infra Engineering Ltd. 4.59%

Allocation by Instruments

Debenture 39.089999999999996%

Non Convertible Debenture 21.28%

GOI Securities 16.56%

Bonds 7.42%

Other Holdings

Cube Highways Trust 3.2%

Vertis Infrastructure Trust 0.94%

Others 0.38%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Credit Risk Fund	0.13%	2.33%	7.27%	7.96%	6.77%	7.27%
Bank of India Credit Risk Fund	5.14%	7.78%	11.49%	7.67%	27.14%	2.03%
Baroda BNP Paribas Credit Risk Fund	0.2%	2.72%	7.39%	7.74%	9.28%	7.62%
ICICI Prudential Credit Risk Fund	0.3%	3.77%	8.96%	8.42%	7.32%	7.86%
Aditya Birla Sun Life Credit Risk Fund	0.08%	6.69%	16.43%	11.79%	9.79%	8.49%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Credit Risk Fund	1.24	1.01	1.28	3.13
Bank of India Credit Risk Fund	2.78	-4.25	0.47	4.23
Baroda BNP Paribas Credit Risk Fund	0.76	0.94	1.8	3.1
ICICI Prudential Credit Risk Fund	0.95	0.88	2.05	5.17
Aditya Birla Sun Life Credit Risk Fund	2.91	-1.99	1.75	7.21

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Credit Risk Fund	N.A.	2,175 Cr	21 yrs 6 m	1.55%
Bank of India Credit Risk Fund	N.A.	107 Cr	10 yrs 11 m	1.52%
Baroda BNP Paribas Credit Risk Fund	N.A.	185 Cr	11 yrs	1.61%
ICICI Prudential Credit Risk Fund	N.A.	5,920 Cr	15 yrs 2 m	1.4%
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,092 Cr	10 yrs 10 m	1.67%

View all Credit Risk funds

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

Alpha	3.48 vs. 4.33 Underperformed at beating benchmark
Sharpe	1.28 vs. 4.14 Poor risk-adjusted returns
Beta	1.01 vs. 2.76 Less sensitive to market ups & downs
Standard deviation	1.24 vs. 2.19 More stable returns

Compare SBI Credit Risk Fund in detail with

About this fund

About SBI Credit Risk Fund

SBI Credit Risk Fund is a Credit Risk mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 21 yrs 6 m, having been launched on 05/07/2004. SBI Credit Risk Fund has ₹2,175 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of SBI Credit Risk Fund as of 02/02/2026 is ₹47.16. The fund has an expense ratio of 1.55%, which is higher than what most other Credit Risk funds charge.

SBI Credit Risk Fund returns of last 1-year are 7.33%. Since launch, it has delivered 7.46% average annual returns. The fund has doubled the money invested in it every 10 yrs.
SBI Credit Risk Fund 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 below 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, Infopark Properties Ltd., Renew Solar Energy (Jharkhand Five) Pvt. Ltd., H.G. Infra Engineering Ltd., JTPM Metal Traders Ltd..

...

Fund AUM	2,175 Cr as on Dec 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	72 view all schemes
Total AUM	12,63,745 Cr as on Dec 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	1Y	3Y
SBI CRISIL IBX Gilt Index - April 2029 Fund	N.A.	2,038 Cr	7.67%	7.85%
SBI CRISIL IBX Gilt Index - June 2036 Fund	N.A.	2,737 Cr	5.6%	7.85%
SBI CRISIL IBX SDL Index - September 2027 Fund	N.A.	998 Cr	7.36%	7.54%
SBI Floating Rate Debt Fund	N.A.	750 Cr	6.84%	7.54%
SBI Medium Duration Fund	N.A.	6,889 Cr	6.65%	7.36%

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 plan is approximately ₹47.1635 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The SBI Credit Risk Fund is a 21 yrs 6 m old fund and has delivered average annual returns of 7.45% since inception.

SBI Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.27%	7.96%	6.77%	7.27%	7.45%

How much does this mutual fund charge as expense ratio?

The SBI Credit Risk Fund has an expense ratio of 1.55%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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 2,175 Cr as on Dec 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	16.56%
Infopark Properties Ltd.	4.85%
Renew Solar Energy (Jharkhand Five) Pvt. Ltd.	4.75%

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-	25.29%
AA	25.07%
SOV	16.56%

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 can I redeem my investments in SBI Credit Risk Fund?

Redeeming your investments in the SBI Credit Risk Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested 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 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: 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