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SBI Credit Risk Fund

Growth
46.330.08% (+0.04)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

SBI Credit Risk Fund

Growth
DebtCredit Risk Fund
Mid-size FundAssets Under Mgmt: ₹ 2,344 Cr
High RiskPrinciple investment will be at high risk
46.330.08% (+0.04)

Price Chart

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Returns
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1M
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SIP
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1M
6M
1Y
3Y
5Y
Max
SIP
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

DebtCredit Risk Fund
Mid-size FundAssets Under Mgmt: ₹ 2,344 Cr
High RiskPrinciple investment will be at high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.89—4.82
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.14—6.02

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
Growth0 yrs0.75%
Nil for 8% of investment and 3% for remaining investment on or before 12M Nil for 8% of investment and 1.5% for remaining investment after 12M but before 24M Nil for 8% of investment and 0.75% for remaining investment after 24M but before 36M Nil after 36M
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Allowed₹ 5,000
Initial: ₹ 5,000 Incremental: ₹ 1,000
BenchmarkBenchmark
NIFTY Credit Risk Bond Index

About Credit Risk Fund

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.

Peers & Comparison

Comparing 3 mutual funds from 
DebtCredit Risk Fund

Returns

Scheme

Ratios

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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
SBI Credit Risk Fund8.81%7.32%8.63%
HDFC Credit Risk Debt Fund9.38%6.83%8.85%
ICICI Pru Credit Risk Fund10.10%7.65%8.93%
Nippon India Credit Risk Fund9.16%7.36%7.39%

Price Comparison

Compare SBI Credit Risk Fund with any MF, ETF, stock or index
Compare SBI Credit Risk Fund with any MF, ETF, stock or index
SBI Credit Risk Fund
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Asset Allocation

Actual

Target

Dec 2023

Mar 2024

Jun 2024

Sep 2024

ACTUAL
REITs & InvITCash & EquivalentsGovernment SecuritiesCorporate Debt0.31%2.59%3.78%13.90%79.41%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Distribution

+10 moreFMCG - Household ProductsConstruction & EngineeringSpecialized FinanceG-SecOthers35.55 %7.92 %8.68 %12.13 %13.90 %21.81 %

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Weightage

Jun 23Sep 23Dec 23Mar 24Jun 24Sep 244.39%5.99%5.89%9.28%12.78%21.81%
Others as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • 7.23% CGL 2039
    Sovereign
    3M change : 6.34 %|Sovereign

    Holdings

    8.43 %

    6.34 %
  • Aadhar Housing Finance Ltd.
    IND AA
    3M change : 0.17 %|IND AA

    Holdings

    4.78 %

    0.17 %
  • Nirma Ltd.
    CRISIL AA
    3M change : 0.19 %|CRISIL AA

    Holdings

    4.72 %

    0.19 %

AMC Profile

With 30 years of rich experience in fund management, SBI Funds Management Ltd. (SBIFML) bring forward their expertise by consistently delivering value to their investors. They have a strong and proud lineage that traces back to the State Bank of India (SBI) - India's largest bank. They are a Joint Venture between SBI and AMUNDI (France), one of the world's leading fund management companies., SBI currently holds 63% stake in SBIFMPL. They have been actively managing their investor's assets not only through our investment expertise in domestic mutual funds, but also offshore funds and portfolio management advisory services for institutional investors.

  • No.of Schemes

    106

  • Total AUM

    ₹ 7,75,411.12 Cr.

Fund Manager Profile

Lokesh Mallya

AUM:  ₹10,940.64 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 5yrs

Adesh Sharma

AUM:  ₹4,140.72 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 14yrs

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

Investment frequency

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One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
Annual Income
As per the tax implications, in some cases, tax on MF returns depends on your annual income slab

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Opinions and Fund Reviews

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