Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth

Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth

Debt

Aditya Birla Sun Life Mutual Fund

Credit Risk

Get the latest NAV of Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹22.73

NAV as on 12 Sep 2025

8.21%/per year

Since Inception

Absolute Gain%

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Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth Performance vs. Credit Risk Index

Fund returns vs Benchmark returns vs Category Average returns as on (12-Sep-25)

The fund has outperformed the benchmark (Credit Risk Index) over 1Y, 3Y, but underperformed over 5Y.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.6%
2.04%
5.51%
15.96%
10.38%
9.28%
Credit Risk Index
0.57%
1.39%
4.93%
9.41%
7.47%
10.85%
Credit Risk Avg
0.58%
1.36%
5.27%
10.49%
8.6%
9.45%
Best in Credit Risk
0.87%
2.26%
17.26%
22.79%
15.5%
26.26%
Worst in Credit Risk
0.41%
1.09%
3.54%
6.45%
6.06%
6.59%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth
-
1,033Cr
1.54%
15.96%
10.38%
2.76
0.84
1.34
9.53
1.16
Nippon India Credit Risk Fund Institutional Direct Growth
1/7
990Cr
1.44%
9.44%
8.27%
0.80
0.88
1.84
6.18
1.96
ICICI Prudential Credit Risk Fund Direct Growth
2/7
5,993Cr
1.4%
8.66%
8.01%
1.10
0.15
1.14
2.37
0.60
Axis Credit Risk Fund Regular
3/8
365Cr
1.57%
8.54%
7.58%
0.13
0.90
1.05
2.31
0.23
See all

Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth Asset Allocation

See fund asset allocation details as on (14-Aug-25)

Fund Distribution

as on (14-Aug-25)

Cash allocation has gone up from 6.3% to 9.1%
Cash allocation has gone up from 6.3% to 9.1%
Debt allocation has gone down from 85.5% to 82.4%
Debt allocation has gone down from 85.5% to 82.4%

Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth Sector Allocation

See fund sector allocation details as on (14-Aug-25)

Sector Allocation

Real Estate
37.6%
Financial Services
30.4%
Utilities
23.9%
Industrial
8.1%

Top 3 Sectors in July were Corporate, Real Estate & Financial Services

Jul'25

Corporate

72%

Real Estate

48%

Financial Services

25%

Jun'25

Corporate

75%

Real Estate

47%

Financial Services

25%

Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio1.54%
Benchmark
CRISIL Credit Risk Debt TR INR
AUM₹1033 Cr
Inception Date17 April, 2015
Min Lumpsum/SIP₹100/₹100
Exit Load
3.0%
Lock InNo Lock-in
TurnOver
99.22%
Risk
Risk meter
pointer
High Risk

About Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth

Aditya Birla Sun Life Credit Risk Fund Regular Plan 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.

Key Parameters

  1. Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth has ₹1033 Cr worth of assets under management (AUM) as on Aug 2025 and is more than category average.
  2. The fund has an expense ratio 1.5.

Returns

Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth has given a CAGR return of 8.21% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 15.96%, 10.38% and 9.28% respectively.

Holdings

Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth has allocated its funds majorly in Corporate, Real Estate, Financial Services, Utilities, Government, Cash Equivalent, Industrial. Its top holdings are 6.79% Govt Stock 2034, JSW Steel Limited, Aditya Birla Real Estate Limited, GMR Airports Limited, 7.18% Govt Stock 2037

Taxation

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.

Investment objective of Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth

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 and lockin period

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

Fund Manager

Sunaina Cunha

Fund Manager of Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth, since 17 April 2015

Mohit Sharma

Fund Manager of Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth, since 6 August 2020

Learn more about Aditya Birla Sun Life Mutual Fund
Parameters
Jul'25
Jun'25
May'25
AUM
₹ 1K Cr
₹ 1K Cr
₹ 993.4 Cr
  • AUM of the fund stands at 1K Cr as of Jul'25
  • AUM increased by 18.8 Cr between Jul'25 and Jun'25

Frequently Asked Questions for Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth

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

INDmoney makes it simple to invest in the Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

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

The NAV of the fund today is ₹22.73. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth fund has generated a return of 15.96% in 1 year, 10.38% in 3 years, 9.28% in 5 years.

Who is the fund manager of Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth?

The fund managers are Sunaina Cunha, Mohit Sharma.

What is the exit load of the fund?

The exit load is 3% if redeemed in 0-1 Years, 2% if redeemed in 1-2 Years, 1% if redeemed in 2-3 Years. Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 1.54%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹1033 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth?

The top 3 holdings of the fund are 6.79% Govt Stock 2034(6.83%), JSW Steel Limited(5.34%), Aditya Birla Real Estate Limited(4.37%)