SBI Credit Risk Fund Direct Growth

SBI Credit Risk Fund Direct Growth

Debt

SBI Mutual Fund

Credit Risk

Get the latest NAV of SBI Credit Risk Fund Direct 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.

₹49.69

NAV as on 12 Aug 2025

8.69%/per year

Since Inception

Absolute Gain%

▲▼

39 people have invested ₹ 5.3L in SBI Credit Risk Fund Direct Growth in the last three months

SBI Credit Risk Fund Performance vs. Credit Risk Index

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

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.41%
2.32%
4.92%
9.18%
8.75%
7.73%
Credit Risk Avg
0.34%
1.89%
6.54%
10.79%
8.69%
9.49%
Best in Credit Risk
0.69%
2.98%
18.44%
23.26%
15.58%
26.3%
Worst in Credit Risk
0.19%
1.38%
3.56%
6.36%
6.1%
6.61%
Category Rank
5/7
3/6
4/7
4/7
3/9
--

SBI Credit Risk Fund Ranking and Peer Comparison

Ranked based on performance, risk management and cost efficiency

4
/7
32% Performance
60% Risk Management
35% Cost

Ranked 4 out of 7 mutual funds in the credit risk category as per INDmoney.

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
SBI Credit Risk Fund
4/7
2,221Cr
0.89%
9.18%
8.75%
1.06
1.03
1.66
9.75
1.29
Nippon India Credit Risk Fund Direct Growth
1/7
1,010Cr
0.7%
10.48%
9.04%
1.43
0.86
2.91
13.40
3.64
ICICI Prudential Credit Risk Fund Direct Growth
2/7
6,044Cr
0.76%
9.62%
8.65%
1.03
0.94
2.00
5.38
1.74
Aditya Birla Sun Life Credit Risk Fund Direct Growth
3/7
1,023Cr
0.67%
17.62%
11.42%
3.69
0.74
1.74
19.93
1.53
See all

SBI Credit Risk Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

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Profit

Total Corpus

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Absolute Return
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SBI Credit Risk Fund Asset Allocation

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

Fund Distribution

as on (14-Jul-25)

Equity 2.9%

Debt & Cash 96.7%

Debt allocation has gone down from 86.4% to 81.2%
Debt allocation has gone down from 86.4% to 81.2%
Cash allocation has gone up from 10.6% to 15.6%
Cash allocation has gone up from 10.6% to 15.6%

SBI Credit Risk Fund Sector Allocation

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

Sector Allocation

Equity 2.9%

Debt & Cash 96.7%

Industrial
100%

Top 3 Sectors in June were Industrial, Corporate & Government

Jun'25

Industrial

100%

Corporate

68%

Government

16%

May'25

Industrial

100%

Corporate

73%

Government

16%

SBI Credit Risk Fund Direct Growth Overview

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

Expense ratio0.89%
Benchmark
CRISIL Credit Risk Debt TR INR
AUM₹2221 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹500
Exit Load
3.0%
Lock InNo Lock-in
TurnOver
80.51%
Risk
Risk meter
pointer
High Risk

About SBI Credit Risk Fund

SBI Credit Risk Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Lokesh Mallya. This fund is suitable to keep your money safe.

Key Parameters

  1. SBI Credit Risk Fund Direct Growth has ₹2221 Cr worth of assets under management (AUM) as on Jul 2025 and is more than category average.
  2. The fund has an expense ratio 0.9.

Returns

SBI Credit Risk Fund Direct Growth has given a CAGR return of 8.69% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.18%, 8.75% and 7.73% respectively.

Holdings

SBI Credit Risk Fund Direct Growth has allocated its funds majorly in Industrial, Corporate, Government, Cash Equivalent. Its top holdings are 6.92% Govt Stock 2039, Aadhar Housing Finance Limited, Nirma Limited, Infopark Properties Limited, Renew Solar Energy (Jharkhand Five) Private Limited

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 SBI Credit Risk Fund Direct Growth

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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 500.00. SBI Credit Risk Fund Direct Growth has no lock in period.

Fund Manager

Lokesh Mallya

Fund Manager of SBI Credit Risk Fund Direct Growth, since 1 February 2017

Learn more about SBI Mutual Fund
Parameters
Jun'25
May'25
Apr'25
AUM
₹ 2.2K Cr
₹ 2.2K Cr
₹ 2.2K Cr
  • AUM of the fund stands at 2.2K Cr as of Jun'25
  • AUM decreased by 9 Cr between Jun'25 and May'25

Frequently Asked Questions for SBI Credit Risk Fund Direct Growth

How do I invest in SBI Credit Risk Fund?

INDmoney makes it simple to invest in the SBI Credit Risk Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘SBI Credit Risk Fund’.
  • 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 SBI Credit Risk Fund?

The NAV of the fund today is ₹49.69. 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?

SBI Credit Risk Fund fund has generated a return of 9.18% in 1 year, 8.75% in 3 years, 7.73% in 5 years.

Who is the fund manager of SBI Credit Risk Fund?

The fund managers are Lokesh Mallya.

What is the exit load of the fund?

The exit load is 3% if redeemed in 0-12 Months, 1.5% if redeemed in 12-24 Months, 0.75% if redeemed in 24-36 Months. 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 0.89%. 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 ₹2221 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of SBI Credit Risk Fund?

The top 3 holdings of the fund are 6.92% Govt Stock 2039(6.89%), Aadhar Housing Finance Limited(5.09%), Nirma Limited(5.03%)