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Credit Risk Mutual Funds

Credit risk funds are the debt funds which majorly lend money to low rated companies. The companies have to pay higher interest for their low rating which makes the fund more riskier as compared to other debt funds.

  • ⏱ Horizon: Medium
  • 🔢 Total funds: 14
  • 💰 Total AUM: 21,216 Cr

Best performing Credit Risk Mutual Funds

NameAUM (Cr)Exp Ratio (%)1Y Return3Y CAGR5Y CAGR
Bank of India Credit Risk Fund87.950.9817.21%9.94%27.77%
DSP Credit Risk Fund257.780.3410.09%16.69%13.06%
Aditya Birla SL Credit Risk Fund1,390.960.6712.10%12.78%10.68%
UTI Credit Risk Fund250.951.046.01%7.66%10.10%
HSBC Credit Risk Fund470.990.955.70%11.72%9.35%
Baroda BNP Paribas Credit Risk Fund174.260.686.66%8.37%9.22%
Nippon India Credit Risk Fund1,410.130.967.71%8.84%9.14%
Invesco India Credit Risk Fund159.490.246.89%9.45%8.27%
ICICI Pru Credit Risk Fund6,004.800.627.64%8.79%7.85%
SBI Credit Risk Fund2,141.670.896.72%8.17%7.52%

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Overview of Credit Risk Mutual Funds

Bank of India Credit Risk Fund
  • AUM
    ₹ 87.95 Cr.
  • Expense Ratio
    0.98%
  • 5Y CAGR
    27.77%
Performance
The fund's annualised performance has been 3.41% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 7.46% vs its category average of 1.92%.
Composition
Corporate Debt makes up for the majority of the fund at 61.94% along with the largest allocation towards Miscellaneous at 23.94%.
DSP Credit Risk Fund
  • AUM
    ₹ 257.78 Cr.
  • Expense Ratio
    0.34%
  • 5Y CAGR
    13.06%
Performance
The fund's annualised performance has been 9.23% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 6.16% vs its category average of 1.92%.
Composition
Corporate Debt makes up for the majority of the fund at 72.62% along with the largest allocation towards G-Sec at 15.22%.
Aditya Birla SL Credit Risk Fund
  • AUM
    ₹ 1,390.96 Cr.
  • Expense Ratio
    0.67%
  • 5Y CAGR
    10.68%
Performance
The fund's annualised performance has been 9.45% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 3.57% vs its category average of 1.92%.
Composition
Corporate Debt makes up for the majority of the fund at 69.28% along with the largest allocation towards Others at 18.85%.
UTI Credit Risk Fund
  • AUM
    ₹ 250.95 Cr.
  • Expense Ratio
    1.04%
  • 5Y CAGR
    10.1%
Performance
The fund's annualised performance has been 5.37% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 0.95% vs its category average of 1.92%.
Composition
Corporate Debt makes up for the majority of the fund at 66.35% along with the largest allocation towards Others at 22.75%.
HSBC Credit Risk Fund
  • AUM
    ₹ 470.99 Cr.
  • Expense Ratio
    0.95%
  • 5Y CAGR
    9.35%
Performance
The fund's annualised performance has been 8.19% since inception.
Risk
The fund has been categorised as Moderate by SEBI and has a standard deviation of 0.78% vs its category average of 1.92%.
Composition
Corporate Debt makes up for the majority of the fund at 80.62% along with the largest allocation towards Others at 16.82%.
Baroda BNP Paribas Credit Risk Fund
  • AUM
    ₹ 174.26 Cr.
  • Expense Ratio
    0.68%
  • 5Y CAGR
    9.22%
Performance
The fund's annualised performance has been 8.77% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 0.87% vs its category average of 1.92%.
Composition
Corporate Debt makes up for the majority of the fund at 78.36% along with the largest allocation towards Construction & Engineering at 17.1%.
Nippon India Credit Risk Fund
  • AUM
    ₹ 1,410.13 Cr.
  • Expense Ratio
    0.96%
  • 5Y CAGR
    9.14%
Performance
The fund's annualised performance has been 7.57% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 0.99% vs its category average of 1.92%.
Composition
Corporate Debt makes up for the majority of the fund at 71.17% along with the largest allocation towards Others at 25.27%.
Invesco India Credit Risk Fund
  • AUM
    ₹ 159.49 Cr.
  • Expense Ratio
    0.24%
  • 5Y CAGR
    8.27%
Performance
The fund's annualised performance has been 7.35% since inception.
Risk
The fund has been categorised as Moderate by SEBI and has a standard deviation of 1.62% vs its category average of 1.92%.
Composition
Corporate Debt makes up for the majority of the fund at 59.94% along with the largest allocation towards G-Sec at 30.72%.
ICICI Pru Credit Risk Fund
  • AUM
    ₹ 6,004.80 Cr.
  • Expense Ratio
    0.62%
  • 5Y CAGR
    7.85%
Performance
The fund's annualised performance has been 8.89% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 1.24% vs its category average of 1.92%.
Composition
Corporate Debt makes up for the majority of the fund at 70.16% along with the largest allocation towards Investment Banking & Brokerage at 16.5%.
SBI Credit Risk Fund
  • AUM
    ₹ 2,141.67 Cr.
  • Expense Ratio
    0.89%
  • 5Y CAGR
    7.52%
Performance
The fund's annualised performance has been 8.58% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 1.08% vs its category average of 1.92%.
Composition
Corporate Debt makes up for the majority of the fund at 71.2% along with the largest allocation towards Others at 22.31%.
This compilation has been made as and by way of an update from the publicly available sources of information.This compilation is provided for information purposes only and is not intended to be relied upon by any party as the basis of any decision.

While every effort has been made to take due care in publishing this compilation and to avoid errors or omissions, this compilation is published with a condition and understanding that the Anchorage Technologies Private Limited (ATPL) shall not be responsible for any damages, compensation or loss or action taken or abstained to be taken on the basis of this article/commentary to any person whomsoever.

Investing in Mutual Funds,Stocks/ETFs (Exchange Traded Funds) and securities are subject to market risk. Please read all the related documents carefully before investing. Investors should consider all risk factors and consult their financial advisor before investing. Representations are not indicative of future results.