Aditya Birla Sun Life Credit Risk Fund Direct Growth

Aditya Birla Sun Life Credit Risk Fund Direct Growth is a debt fund. This fund was started on 17 April, 2015. The fund is managed by Sunaina Cunha, Mohit Sharma. This fund is suitable to keep your money safe.

1. Aditya Birla Sun Life Credit Risk Fund Direct Growth has ₹985 Cr worth of assets under management (AUM) as on Mar 2025 and is less than category average.
2. The fund has an expense ratio 0.7.
   

Aditya Birla Sun Life Credit Risk Fund Direct Growth has given a CAGR return of 9.13% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 17.94%, 11.92% and 10.79% respectively.

Aditya Birla Sun Life Credit Risk Fund Direct Growth has allocated its funds majorly in Corporate, Real Estate, Financial Services, Utilities, Government, Industrial, Cash Equivalent. Its top holdings are 7.23% Govt Stock 2039, JSW Steel Limited, Century Textiles And Industried Limited, 7.18% Govt Stock 2037, Narayana Hrudayalaya Limited

As it is a credit risk mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

The investment objective of the Scheme is 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. The Scheme does not guarantee/indicate any returns. There can be no assurance that the Schemes' objectives will be achieved.

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. Aditya Birla Sun Life Credit Risk Fund Direct Growth has no lock in period.