SBI Credit Risk Fund Direct Growth
NAV as on 23-04-2025
₹ 48.64
Inception Returns
8.7%
/yr
Historical NAV & Returns
About SBI Credit Risk Fund Direct Growth
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
- SBI Credit Risk Fund Direct Growth has ₹2255 Cr worth of assets under management (AUM) as on Mar 2025 and is more than category average.
- The fund has an expense ratio 0.9.
Returns
SBI Credit Risk Fund Direct Growth has given a CAGR return of 8.71% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.96%, 8.34% and 7.94% 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.
SBI Credit Risk Fund Direct Growth Overview
| Expense ratio | 0.89% |
Benchmark | CRISIL Credit Risk Debt 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 |
Trailing Returns
as on (23-Apr-25)
Fund Distribution
as on (31-Mar-25)
- 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
Top 3 Sectors in March were Industrial, Corporate & Government
Holdings | Weight% | 1M Change | |
|---|---|---|---|
 Cube Highways Trust | 2.77% | 0% |
Funds | 1Y Returns | 3Y Returns | 5Y Returns | Since Inception |
|---|---|---|---|---|
SBI Credit Risk Fund Direct Growth | 9.96% | 8.34% | 7.94% | 8.71% |
 DSP Credit Risk Fund Direct Plan Growth | 23.38% | 14.88% | 11.63% | 9.09% |
 Nippon India Credit Risk Fund Direct Plan Growth Option | 10.21% | 8.33% | 9.13% | 7.53% |
 ICICI Prudential Credit Risk Fund Direct Plan Growth | 10.06% | 8.3% | 8.24% | 8.96% |
Mutual Fund Insights
SBI Credit Risk Fund Direct Growth Highlights
High Risk
About the fund
Fund Allocations
AUM size ₹2255 Cr
Expense Ratio 0.89%
More funds from SBI
1Y CAGR
▲ 13.42
1Y CAGR
▲ 13.38
5Y CAGR
▲ 7.33
5Y CAGR
▲ 6.45
5Y CAGR
▲ 7.04
Frequently Asked Questions for SBI Credit Risk Fund Direct Growth
SBI Credit Risk Fund Direct Growth | Absolute Returns | CAGR Returns |
1 Month Returns | 1.62% | 1.62% |
6 Month Returns | 5.15% | 5.15% |
1 Year Returns | 9.96% | 9.96% |
3 Years Returns | 27.16% | 8.34% |
- 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.
AA | 66.14 |
A | 17.76 |
AAA | 16.1 |