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SBI Credit Risk Fund Direct Growth
DebtCredit RiskHigh Risk
Direct
NAV (16-Oct-26)
₹54.130.01%1D
Returns (Since Inception)
8.58%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹2,182 Cr
Expense Ratio
0.91%
ISIN
INF200K01SV4
Minimum SIP
₹1,000
Exit Load
3.00%
Inception Date
01 Jan 2013
About this fund
SBI Credit Risk Fund Direct Growth is a Credit Risk mutual fund schemes offered by SBI Mutual Fund. This fund has been in existence for 13 years, 9 months and 18 days, having been launched on 01-Jan-13.
As of 16-Oct-26, it has a Net Asset Value (NAV) of ₹54.13, Assets Under Management (AUM) of 2182.18 Crores, and an expense ratio of 0.91%.
As of 16-Oct-26, it has a Net Asset Value (NAV) of ₹54.13, Assets Under Management (AUM) of 2182.18 Crores, and an expense ratio of 0.91%.
- SBI Credit Risk Fund Direct Growth has given a CAGR return of 8.58% since inception.
- The fund's asset allocation comprises around 5.70% in equities, 85.88% in debts, and 4.81% in cash & cash equivalents.
- You can start investing in SBI Credit Risk Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
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
+7.28%
+7.40% (Cat Avg.)
3 Years
+8.39%
+9.14% (Cat Avg.)
5 Years
+7.64%
+9.18% (Cat Avg.)
10 Years
+7.70%
+5.99% (Cat Avg.)
Since Inception
+8.58%
— (Cat Avg.)
Portfolio Summaryas of 30th September 2026
| Equity | ₹124.33 Cr | 5.70% |
| Debt | ₹1,874.01 Cr | 85.88% |
| Others | ₹183.84 Cr | 8.42% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| H.G. Infra Engineering Limited | Bond - Corporate Bond | ₹101.24 Cr | 4.64% |
| Nj Capital Private Limited | Bond - Corporate Bond | ₹99.03 Cr | 4.54% |
| TATA Projects Limited | Bond - Corporate Bond | ₹98.83 Cr | 4.53% |
| Renew Solar Energy (Jharkhand Five) Private Limited | Bond - Corporate Bond | ₹98.79 Cr | 4.53% |
| Jtpm Metal TRaders Limited | Bond - Corporate Bond | ₹97.12 Cr | 4.45% |
| Lodha Developers Limited | Bond - Corporate Bond | ₹85.73 Cr | 3.93% |
| Renserv Global Private Limited | Bond - Corporate Bond | ₹80.06 Cr | 3.67% |
| Jsw Jfe Kalinga Steel Limited | Bond - Corporate Bond | ₹78.02 Cr | 3.58% |
| Aditya Birla Renewables Limited | Bond - Corporate Bond | ₹75.01 Cr | 3.44% |
| Motilal Oswal Home Finance Limited | Bond - Corporate Bond | ₹74.8 Cr | 3.43% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹73.57 Cr | 3.37% |
| Raajmarg Infra Investment Trust | Mutual Fund - Unspecified | ₹70.35 Cr | 3.22% |
| Kogta Financial (India) Limited | Bond - Corporate Bond | ₹64.39 Cr | 2.95% |
| GMR Airports Limited | Bond - Corporate Bond | ₹64.32 Cr | 2.95% |
| GAursons India Private Limited | Bond - Corporate Bond | ₹59.9 Cr | 2.75% |
| Avanse Financial Services Limited | Bond - Corporate Bond | ₹59.56 Cr | 2.73% |
| Treps | Cash - Repurchase Agreement | ₹58.3 Cr | 2.67% |
| Aditya Birla Real Estate Limited | Bond - Corporate Bond | ₹50.09 Cr | 2.30% |
| Icici Securities Primary Dealership Ltd. 01-10-2029 | Interest Rate Swap | ₹50 Cr | 2.29% |
| Motilal Oswal Financial Services Ltd. | Bond - Corporate Bond | ₹49.98 Cr | 2.29% |
| Tbill | Bond - Gov't/Treasury | ₹49.09 Cr | 2.25% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹48.99 Cr | 2.25% |
| State Government Of Karnataka | Bond - Gov't/Treasury | ₹48.73 Cr | 2.23% |
| Cube Highways Trust | Equity | ₹47.97 Cr | 2.20% |
| Indus Infra Trust Unit | Equity | ₹47.67 Cr | 2.18% |
| Eris Lifesciences Limited | Bond - Corporate Bond | ₹45.03 Cr | 2.06% |
| Bihar (Government of) 7.66% | Bond - Sub-sovereign Government Debt | ₹43.9 Cr | 2.01% |
| Eris Lifesciences Limited | Bond - Corporate Bond | ₹40.08 Cr | 1.84% |
| 7.06% Govt Stock 2041 | Bond - Gov't/Treasury | ₹29.16 Cr | 1.34% |
| Cash Offsets For Shorts & Derivatives | Cash - General Offset | ₹-25 Cr | 1.15% |
| Idfc First Bank Ltd. 29-09-2031 | Interest Rate Swap | ₹-25 Cr | 1.15% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹25 Cr | 1.15% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹24.88 Cr | 1.14% |
| Tamil Nadu (Government of) 7.74% | Bond - Sub-sovereign Government Debt | ₹24.83 Cr | 1.14% |
| Kotak Mahindra Prime Limited | Bond - Corporate Bond | ₹24.81 Cr | 1.14% |
| Godrej Seeds & Genetics Limited | Bond - Corporate Bond | ₹24.75 Cr | 1.13% |
| Godrej Seeds & Genetics Limited | Bond - Corporate Bond | ₹24.69 Cr | 1.13% |
| Godrej Seeds & Genetics Limited | Bond - Corporate Bond | ₹24.62 Cr | 1.13% |
| Godrej Seeds & Genetics Limited | Bond - Corporate Bond | ₹24.58 Cr | 1.13% |
| Uttar Pradesh (Government of) 7.72% | Bond - Sub-sovereign Government Debt | ₹21.79 Cr | 1.00% |
| India Infrastructure Finance Company Limited | Bond - Corporate Bond | ₹19.51 Cr | 0.89% |
| Sheela Foam Limited | Bond - Corporate Bond | ₹18.75 Cr | 0.86% |
| Mahanagar Telephone Nigam Limited | Bond - Corporate Bond | ₹14.85 Cr | 0.68% |
| Capital Infra Trust InvITs | Equity | ₹14.41 Cr | 0.66% |
| Vertis Infrastructure Trust Unit | Equity - REIT | ₹14.28 Cr | 0.65% |
| Net Receivable / Payable | Cash - Collateral | ₹12.86 Cr | 0.59% |
| Corporate Debt Market Development Fund-A2 | Mutual Fund - Unspecified | ₹8.5 Cr | 0.39% |
| 6.17% Govt Stock 2028 | Bond - Gov't/Treasury | ₹5.03 Cr | 0.23% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹4.95 Cr | 0.23% |
| Rajasthan (Government of ) 7.64% | Bond - Sub-sovereign Government Debt | ₹4.92 Cr | 0.23% |
| Maharashtra (Government of) 7.55% | Bond - Sub-sovereign Government Debt | ₹4.45 Cr | 0.20% |
Allocation By Credit Quality (Debt)
AAA
AA
A
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Industrials | ₹62.37 Cr | 2.86% |
| Financial Services | ₹47.67 Cr | 2.18% |
Risk & Performance Ratios
Standard Deviation
This fund
1.12%
Cat. avg.
2.97%
Lower the better
Sharpe Ratio
This fund
1.80
Cat. avg.
1.14
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
4.63
Higher the better
Fund Managers
LM
Lokesh Mallya
Since February 2017
PS
Prashanth Sridhar
Since July 2026
Additional Scheme Detailsas of 30th September 2026
ISIN INF200K01SV4 | Expense Ratio 0.91% | Exit Load 3.00% | Fund Size ₹2,182 Cr | Age 13 years 9 months | Lumpsum Minimum ₹5,000 | Fund Status Open Ended Investment Company | Benchmark CRISIL Credit Risk Debt 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:
Dividend Taxation:
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  |
|---|---|---|---|---|
| HSBC Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹441.18 Cr | 6.0% |
| ICICI Prudential Credit Risk Fund Direct Growth Very High Risk | 0.8% | 1.0% | ₹6320.29 Cr | 7.1% |
| Nippon India Credit Risk Fund Direct Growth Moderately High risk | 0.6% | 1.0% | ₹1707.58 Cr | 7.1% |
| Kotak Credit Risk Fund Direct Growth Moderate Risk | 0.8% | 1.0% | ₹769.05 Cr | 6.2% |
| HDFC Credit Risk Debt Fund Direct Growth High Risk | 1.0% | 1.0% | ₹7630.51 Cr | 6.4% |
| HDFC Credit Risk Debt Fund Regular Growth High Risk | 1.5% | 1.0% | ₹7630.51 Cr | 5.8% |
| HSBC Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹441.18 Cr | 5.2% |
| ICICI Prudential Credit Risk Fund Regular Growth Very High Risk | 1.4% | 1.0% | ₹6320.29 Cr | 6.4% |
| Invesco India Credit Risk Fund Regular Growth Moderately High risk | 1.5% | 1.0% | ₹167.37 Cr | 5.8% |
| Invesco India Credit Risk Fund Direct Growth Moderately High risk | 0.3% | 1.0% | ₹167.37 Cr | 7.1% |
| UTI Credit Risk Fund Direct Growth Moderately High risk | 1.0% | 1.0% | ₹241.47 Cr | 5.8% |
| SBI Credit Risk Fund Direct Growth High Risk | 0.9% | 3.0% | ₹2182.18 Cr | 7.3% |
| Bank of India Credit Risk Fund Direct Growth Moderately High risk | 0.6% | 1.0% | ₹74.33 Cr | 17.1% |
| Bank of India Credit Risk Fund Regular Growth Moderately High risk | 1.4% | 1.0% | ₹74.33 Cr | 16.7% |
| DSP Credit Risk Fund Direct Growth Moderate Risk | 0.4% | 3.0% | ₹325.92 Cr | 10.4% |
| Axis Credit Risk Fund Direct Growth High Risk | 0.8% | 1.0% | ₹378.33 Cr | 7.4% |
| Axis Credit Risk Fund Regular Growth High Risk | 1.6% | 1.0% | ₹378.33 Cr | 6.6% |
| Kotak Credit Risk Fund Regular Growth Moderate Risk | 1.7% | 1.0% | ₹769.05 Cr | 5.2% |
| DSP Credit Risk Fund Regular Growth Moderate Risk | 1.2% | 3.0% | ₹325.92 Cr | 9.6% |
| SBI Credit Risk Fund Regular Growth High Risk | 1.6% | 3.0% | ₹2182.18 Cr | 6.6% |
| Nippon India Credit Risk Fund Regular Growth Moderately High risk | 0.6% | 1.0% | ₹1707.58 Cr | 6.3% |
| UTI Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹241.47 Cr | 5.1% |
| Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 1.0% | ₹177.69 Cr | 7.0% |
| Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk | 1.4% | 1.0% | ₹177.69 Cr | 6.2% |
| Aditya BSL Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹1657.06 Cr | 11.4% |
| Aditya BSL Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹1657.06 Cr | 10.5% |
| Bandhan Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 1.0% | ₹220.84 Cr | 5.1% |
| Bandhan Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹220.84 Cr | 4.0% |
About the AMC
SBI Mutual Fund
Total AUM
₹13,50,916 Cr
Address
C-38 & 39, G Block, Bandra Kurla Complex, Mumbai, 400 051
Other Funds by SBI Mutual Fund
Risk Level
Your principal amount will be at High Risk
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Still got questions?
We're here to help.
What is the current NAV of SBI Credit Risk Fund Direct Growth?
The NAV of SBI Credit Risk Fund Direct Growth, as of 16-Oct-2026, is ₹54.13.
What are the returns of SBI Credit Risk Fund Direct Growth?
The fund has generated 7.28% over the last 1 year and 8.39% 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 SBI Credit Risk Fund Direct Growth?
The fund's allocation of assets is distributed as 5.70% in equities, 85.88% in bonds, and 4.81% in cash and cash equivalents.
Who manages the SBI Credit Risk Fund Direct Growth?
The fund managers responsible for SBI Credit Risk Fund Direct Growth are:-
- Lokesh Mallya
- Prashanth Sridhar
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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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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Pvt. Ltd. is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
