NAV as on 31-03-2025
₹ 48.11
▲0.1%
1D
Inception Returns
8.7%
/yr
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.
SBI Credit Risk Fund Direct Growth has given a CAGR return of 8.66% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.10%, 7.97% and 7.79% respectively.
SBI Credit Risk Fund Direct Growth has allocated its funds majorly in Industrial, Corporate, Cash Equivalent, Government, Securitize. Its top holdings are 7.23% Government Of India (15/04/2039), Aadhar Housing Finance Limited, Nirma Limited, Renew Solar Energy (Jharkhand Five) Private Limited, Infopark Properties Ltd.
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.
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 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.
Expense ratio | 0.89% |
Benchmark | CRISIL Short Term Bond Fund TR INR |
AUM | ₹2255 Cr |
Inception Date | 1 January, 2013 |
Min Lumpsum/SIP | ₹5000/₹500 |
Exit Load | 3.0% |
Lock In | No Lock-in |
TurnOver | 154.35% |
STCG | Selling mutual fund within 36 months, gains taxed at slab rates. |
LTCG | Holding over 3 years, gains taxed at slab rates without indexation. |
Risk | High Risk |
as on (31-Mar-25)
as on (28-Feb-25)
Top 3 Sectors in February were Industrial, Corporate & Government
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SBI Credit Risk Fund Direct Growth | Absolute Returns | CAGR Returns |
1 Month Returns | 1.17% | 1.17% |
6 Month Returns | 4.52% | 4.52% |
1 Year Returns | 9.1% | 9.1% |
3 Years Returns | 25.87% | 7.97% |
5 Years Returns | 45.5% | 7.79% |
AA | 65.03 |
A | 18.33 |
AAA | 16.64 |