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.

₹48.64

NAV as on 09 May 2025

8.68%/per year

Since Inception

Absolute Gain%

▲▼

35 people have invested ₹ 8.4L in SBI Credit Risk Fund Direct Growth in the last three months

Fund Performance

as on (09-May-25)

Period
This Fund
Credit Risk Index
1 Month
0.55%
1.51%
3 Months
2.59%
4.58%
6 Months
4.66%
6.38%
1 Year
9.56%
11.19%
3 Years
8.52%
8.66%
5 Years
8.13%
9.72%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
SBI Credit Risk Fund
4/7
2,248Cr
0.89%
9.56%
8.52%
8.68%
Nippon India Credit Risk Fund Direct Growth
1/7
1,000Cr
0.7%
10.05%
8.73%
7.52%
ICICI Prudential Credit Risk Fund Direct Growth
2/7
6,133Cr
0.77%
10.03%
8.61%
8.96%
Kotak Credit Risk Fund Direct Growth
5/7
709Cr
0.81%
8.85%
7.78%
8.26%
See all

SBI Credit Risk Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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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 (15-Apr-25)

Fund Distribution

as on (15-Apr-25)

Equity 3.2%

Debt & Cash 96.4%

Cash allocation has gone down from 15.1% to 11.3%
Cash allocation has gone down from 15.1% to 11.3%
Debt allocation has gone up from 81.9% to 85.1%
Debt allocation has gone up from 81.9% to 85.1%

SBI Credit Risk Fund Sector Allocation

See fund sector allocation details as on (15-Apr-25)

Sector Allocation

Equity 3.2%

Debt & Cash 96.4%

Industrial
100%

Top 3 Sectors in March were Industrial, Corporate & Government

Mar'25

Industrial

86%

Corporate

73%

Government

15%

Feb'25

Industrial

100%

Corporate

69%

Government

15%

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₹2248 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹500
Exit Load
3.0%
Lock InNo Lock-in
TurnOver
154.35%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
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 ₹2248 Cr worth of assets under management (AUM) as on Mar 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 8.68% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.56%, 8.52% and 8.13% respectively.

Holdings

SBI Credit Risk Fund Direct Growth has allocated its funds majorly in Industrial, Corporate, Government, Real Estate, Cash Equivalent. Its top holdings are 7.23% Govt Stock 2039, Aadhar Housing Finance Limited, Nirma Limited, Renew Solar Energy (Jharkhand Five) Private Limited, Infopark Properties Ltd.

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
Mar'25
Feb'25
Jan'25
AUM
₹ 2.3K Cr
₹ 2.3K Cr
₹ 2.3K Cr
  • AUM of the fund stands at 2.3K Cr as of Mar'25
  • AUM decreased by 4.5 Cr between Mar'25 and Feb'25

Frequently Asked Questions for SBI Credit Risk Fund Direct Growth

What is the current NAV of SBI Credit Risk Fund Direct Growth?

The current NAV of SBI Credit Risk Fund Direct Growth is ₹48.64 as on 09-May-2025.

What are the average returns of SBI Credit Risk Fund Direct Growth?

Existing (Absolute + CAGR) as on 09-May-2025.
SBI Credit Risk Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
0.55%
0.55%
6 Month Returns
4.66%
4.66%
1 Year Returns
9.56%
9.56%
3 Years Returns
27.81%
8.52%

How do I invest in SBI Credit Risk Fund Direct Growth?

With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.

What is the expense ratio of SBI Credit Risk Fund Direct Growth?

0.89% as on April 2025

What is net assets under management (AUM) of SBI Credit Risk Fund Direct Growth?

₹2248 Cr as on April 2025

What are the top 5 holdings of SBI Credit Risk Fund Direct Growth?

7.23% Govt Stock 2039(9.05%), Aadhar Housing Finance Limited(5.02%), Nirma Limited(4.95%), Renew Solar Energy (Jharkhand Five) Private Limited(4.75%), Infopark Properties Ltd.(4.71%) as on April 2025

What are the top 3 sectors that this SBI Credit Risk Fund Direct Growth has invested in?

Corporate(70.76%), Government(15.32%), Cash Equivalent(10.67%) as on April 2025

What is the yield to maturity ratio of SBI Credit Risk Fund Direct Growth?

Yield to Maturity is 8.51 as on April 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.

What is the modified duration of SBI Credit Risk Fund Direct Growth?

Modified Duration is 2.2 as on April 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.

What is the credit rating breakup of SBI Credit Risk Fund Direct Growth?

AA
66.14
A
17.76
AAA
16.1

Who is the manager of SBI Credit Risk Fund Direct Growth?

Lokesh Mallya is the fund manager of SBI Credit Risk Fund Direct Growth

What is the exit load of SBI Credit Risk Fund Direct Growth?

The Exit load of SBI Credit Risk Fund Direct Growth is 3%