Aditya BSL Credit Risk Fund Regular Growth

Fund Overview

Fund Size

₹914 Cr

Expense Ratio

1.54%

ISIN

INF209KA1K47

Minimum SIP

₹100

Exit Load

3.00%

Inception Date

17 Apr 2015

About this fund

Aditya BSL Credit Risk Fund Regular Growth is a Credit Risk mutual fund schemes offered by Aditya Birla SL Mutual Fund. This fund has been in existence for 9 years, 4 months and 26 days, having been launched on 17-Apr-15.
As of 11-Sep-24, it has a Net Asset Value (NAV) of ₹19.58, Assets Under Management (AUM) of 914.25 Crores, and an expense ratio of 1.54%.

Aditya BSL Credit Risk Fund Regular Growth has given a CAGR return of 7.41% since inception.
The fund's asset allocation comprises around 4.68% in equities, 80.84% in debts, and 9.25% in cash & cash equivalents.
You can start investing in Aditya BSL Credit Risk Fund Regular Growth with a SIP of ₹100 or a Lumpsum investment of ₹100.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+8.81%

+8.18% (Cat Avg.)

3 Years

+7.35%

+9.37% (Cat Avg.)

5 Years

+6.74%

+6.34% (Cat Avg.)

Since Inception

+7.41%

— (Cat Avg.)

Portfolio Summaryas of 31st August 2024

Equity	₹42.8 Cr	4.68%
Debt	₹739.08 Cr	80.84%
Others	₹107.28 Cr	11.73%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.18% Govt Stock 2037	Bond - Gov't/Treasury	₹92.05 Cr	10.07%
7.18% Govt Stock 2033	Bond - Gov't/Treasury	₹71.32 Cr	7.80%
Century Textiles And Industried Limited	Bond - Corporate Bond	₹49.83 Cr	5.45%
JSW Steel Limited	Bond - Corporate Bond	₹29.99 Cr	3.28%
Hinduja Housing Finance Limited 8.85%	Bond - Corporate Bond	₹28.93 Cr	3.16%
Piramal Capital & Housing Finance Limited	Bond - Corporate Bond	₹26.8 Cr	2.93%
Ongc Petro Additions Limited 8.29%	Bond - Convertible	₹25.09 Cr	2.74%
Godrej Industries Limited	Bond - Corporate Bond	₹25.06 Cr	2.74%
Nexus Select Trust Reits	Equity - REIT	₹25.05 Cr	2.74%
Avanse Financial Services Limited 9.5221%	Bond - Corporate Bond	₹25.04 Cr	2.74%
Steel Authority Of India Limited	Bond - Corporate Bond	₹25.03 Cr	2.74%
Arka Fincap Limited 9.9%	Bond - Corporate Bond	₹25.02 Cr	2.74%
Delhi International Airport Limited	Bond - Corporate Bond	₹25.01 Cr	2.74%
Nexus Select Trust	Bond - Corporate Bond	₹25.01 Cr	2.74%
Tata Projects Limited	Bond - Corporate Bond	₹24.98 Cr	2.73%
Adani Transmission Limited	Bond - Corporate Bond	₹24.98 Cr	2.73%
Dlf Home Developers Limited 8.5%	Bond - Corporate Bond	₹24.98 Cr	2.73%
TATA Projects Limited	Bond - Corporate Bond	₹24.9 Cr	2.72%
Yes Bank Limited	Bond - Corporate Bond	₹24.89 Cr	2.72%
Creditaccess Grameen Limited	Bond - Corporate Bond	₹20.61 Cr	2.25%
Gic Housing Finance Limited	Bond - Corporate Bond	₹20 Cr	2.19%
JM Financial Products Limited	Bond - Corporate Bond	₹19.79 Cr	2.16%
Bharat Highways Invit	Mutual Fund - Unspecified	₹19.62 Cr	2.15%
Net Receivables / (Payables)	Cash	₹18.47 Cr	2.02%
Embassy Office Parks Reit	Bond - Asset Backed	₹15.53 Cr	1.70%
7.26% Govt Stock 2033	Bond - Gov't/Treasury	₹15.34 Cr	1.68%
Pcbl Limited 8.79%	Bond - Corporate Bond	₹14.95 Cr	1.64%
Eris Lifesciences Limited	Bond - Corporate Bond	₹13.53 Cr	1.48%
Eris Lifesciences Limited	Bond - Corporate Bond	₹13.51 Cr	1.48%
India Grid Trust Units Series - IV	Equity	₹11.84 Cr	1.29%
Clearing Corporation Of India Limited	Cash - Repurchase Agreement	₹11.16 Cr	1.22%
GSCG 15JUN2026	Bond - Gov't/Treasury	₹8.87 Cr	0.97%
Ess KAy Auto Finance Private Limited	Bond - Corporate Bond	₹8.73 Cr	0.96%
0% GOI - 15122026 STRIPS	Bond - Gov't/Treasury	₹8.57 Cr	0.94%
Belstar Microfinance Limited	Bond - Corporate Bond	₹6.99 Cr	0.76%
IRB InvIT Fund Units 2017-Series IV	Equity	₹5.91 Cr	0.65%
The Tata Power Company Limited	Bond - Corporate Bond	₹5 Cr	0.55%
Dme Development Limited	Bond - Corporate Bond	₹4.27 Cr	0.47%
Dme Development Limited	Bond - Corporate Bond	₹4.27 Cr	0.47%
Dme Development Limited	Bond - Corporate Bond	₹4.25 Cr	0.47%
Dme Development Limited	Bond - Corporate Bond	₹4.25 Cr	0.46%
Dme Development Limited	Bond - Corporate Bond	₹4.24 Cr	0.46%
Dme Development Limited	Bond - Corporate Bond	₹4.21 Cr	0.46%
Dme Development Limited	Bond - Corporate Bond	₹4.2 Cr	0.46%
Dme Development Limited	Bond - Corporate Bond	₹4.19 Cr	0.46%
Dme Development Limited	Bond - Corporate Bond	₹4.17 Cr	0.46%
Dme Development Limited	Bond - Corporate Bond	₹4.16 Cr	0.45%
Sharekhan Limited	Cash - Commercial Paper	₹3.9 Cr	0.43%
SBI - Corporate Debt Market Development Fund - A2 Units	Mutual Fund - Open End	₹3.11 Cr	0.34%
Power Finance Corporation Limited	Bond - Corporate Bond	₹1.15 Cr	0.13%
Dlf Cyber City Developers Ltd	Bond - Corporate Bond	₹1 Cr	0.11%
Rec Limited	Bond - Corporate Bond	₹0.5 Cr	0.05%
Ntpc Limited	Bond - Corporate Bond	₹0.03 Cr	0.00%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Utilities	₹11.84 Cr	1.29%
Industrials	₹5.91 Cr	0.65%

Risk & Performance Ratios

Fund Managers

Sunaina Cunha

Since April 2015

Mohit Sharma

Since August 2020

Dhaval Joshi

Since November 2022

Additional Scheme Detailsas of 31st August 2024

ISIN

INF209KA1K47

Expense Ratio

1.54%

Exit Load

3.00%

Fund Size

₹914 Cr

Age

17 Apr 2015

Lumpsum Minimum

₹100

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Credit Risk Debt B-II TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
Holding the units: No tax is applicable as long as you continue to hold the units.

Dividend Taxation:

Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Credit Risk Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bandhan Credit Risk Fund Regular Growth Moderately High risk	1.7%	1.0%	₹334.05 Cr	7.1%
Bandhan Credit Risk Fund Direct Growth Moderately High risk	0.7%	1.0%	₹334.05 Cr	8.2%
Aditya BSL Credit Risk Fund Regular Growth Moderately High risk	1.5%	3.0%	₹914.25 Cr	8.8%
Aditya BSL Credit Risk Fund Direct Growth Moderately High risk	0.7%	3.0%	₹914.25 Cr	9.8%
Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk	1.6%	1.0%	₹141.60 Cr	8.1%
Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk	0.8%	1.0%	₹141.60 Cr	8.9%
UTI Credit Risk Fund Regular Growth Moderately High risk	1.6%	1.0%	₹343.15 Cr	7.6%
Nippon India Credit Risk Fund Regular Growth High Risk	1.4%	1.0%	₹1027.94 Cr	7.9%
SBI Credit Risk Fund Regular Growth High Risk	1.6%	3.0%	₹2370.34 Cr	7.8%
DSP Credit Risk Fund Regular Growth Moderately High risk	1.2%	1.0%	₹191.12 Cr	15.8%

About the AMC

Aditya Birla SL Mutual Fund

+91 22 43568000

https://mutualfund.adityabirlacapital.com/

Total AUM

₹3,85,953 Cr

Address

One World Centre, Tower 1, 17th Floor, Mumbai, 400 013

Other Funds by Aditya Birla SL Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Aditya Birla Sun Life Fixed Maturity Plan-Series US (100 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Maturity Plan-Series UR (85 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Crisil IBX Gilt April 2033 Index Fund Direct Growth Moderate Risk	0.2%	0.0%	₹84.44 Cr	-
Aditya Birla Sun Life Fixed Maturity Plan-Series UQ (92 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Transportation and Logistics Fund Direct Growth Very High Risk	0.5%	1.0%	₹1612.99 Cr	-
Aditya Birla Sun Life US Treasury 1-3 year Bond ETFs Fund of Funds Direct Growth Very High Risk	0.3%	0.0%	₹83.80 Cr	-
Aditya Birla Sun Life US Treasury 3-10 Year Bond ETFs Fund of Funds Direct Growth Very High Risk	0.3%	0.0%	₹247.10 Cr	-
Aditya Birla Sun Life Fixed Term Plan - Series SY (1259 days) Direct Growth Low to Moderate Risk	-	-	-	-
Aditya Birla Sun Life Fixed Term Plan Series SP Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan - Series TV (1169 Days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series SC(1170 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series SM Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series TN Direct Growth Low to Moderate Risk	-	-	-	-
Aditya Birla Sun Life Fixed Term Plan - Series TL (1839 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series RM (91 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series SE(1163 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan - Series TM (1842 days) Direct Growth Moderate Risk	-	-	-	-
Aditya Birla Sun Life Fixed Term Plan - Series TP (1923 Days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan - Series TK (1833 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series RG(1283 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series SD(1168 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series TO (1214 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan - Series TE (1095 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan - Series TF (1098 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan SeriesSH (1146 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Interval Income Fund Quarterly Series I Direct Growth Low to Moderate Risk	-	0.0%	₹33.49 Cr	7.5%
Aditya BSL Fixed Term Plan Series RZ(1187 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series SB(1174 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series TC (1119 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series UB (1224 Days) Direct Growth Low to Moderate Risk	-	0.0%	-	8.0%
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) Direct Growth Low to Moderate Risk	-	0.0%	₹24.51 Cr	8.2%
Aditya Birla Sun Life Fixed Term Plan Series TI (1837 days) Direct Growth Low to Moderate Risk	-	0.0%	₹297.97 Cr	8.2%
Aditya Birla Sun Life Fixed Term Plan - Series TG (1099 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series TW (167 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series UC (95 days) Direct Growth Low to Moderate Risk	-	-	-	-
Aditya Birla Sun Life Fixed Term Plan Series UF (180 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series RT (1223 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series SX Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan - Series TD (1100 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series TQ (1879 days) Direct Growth Low to Moderate Risk	-	0.0%	₹206.99 Cr	8.4%
Aditya Birla Sun Life Fixed Term Plan Series TH (1098 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series RS (1232 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series TU (1789 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series UD (79 days) Direct Growth Low to Moderate Risk	-	-	-	-
Aditya Birla Sun Life Fixed Term Plan - Series UJ (1110 days) Direct Growth Low to Moderate Risk	-	0.0%	-	8.0%
Aditya Birla Sun Life Fixed Term Plan - Series UA (1231 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series SW Direct Growth Low to Moderate Risk	-	-	-	-
Aditya BSL Fixed Term Plan Series QZ(1100 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series UE (1275 days) Direct Growth Moderate Risk	-	0.0%	-	-
Aditya Birla Sun Life Fixed Term Plan Series TB (1125 days) Direct Growth Moderate Risk	-	0.0%	-	-

Risk Level

Your principal amount will be at Moderately High risk

Still got questions?
We're here to help.

What is the current NAV of Aditya BSL Credit Risk Fund Regular Growth?

The NAV of Aditya BSL Credit Risk Fund Regular Growth, as of 11-Sep-2024, is ₹19.58.

What are the returns of Aditya BSL Credit Risk Fund Regular Growth?

The fund has generated 8.81% over the last 1 year and 7.35% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Aditya BSL Credit Risk Fund Regular Growth?

The fund's allocation of assets is distributed as 4.68% in equities, 80.84% in bonds, and 9.25% in cash and cash equivalents.

Who manages the Aditya BSL Credit Risk Fund Regular Growth?

The fund managers responsible for Aditya BSL Credit Risk Fund Regular Growth are:-

Sunaina Cunha
Mohit Sharma
Dhaval Joshi

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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