SBI Credit Risk Fund Regular Growth

Fund Overview

Fund Size

₹2,244 Cr

Expense Ratio

1.55%

ISIN

INF200K01685

Minimum SIP

₹1,000

Exit Load

3.00%

Inception Date

19 Jul 2004

About this fund

SBI Credit Risk Fund Regular Growth is a Credit Risk mutual fund schemes offered by SBI Mutual Fund. This fund has been in existence for 20 years, 10 months and 21 days, having been launched on 19-Jul-04.
As of 06-Jun-25, it has a Net Asset Value (NAV) of ₹45.68, Assets Under Management (AUM) of 2243.78 Crores, and an expense ratio of 1.55%.

SBI Credit Risk Fund Regular Growth has given a CAGR return of 7.54% since inception.
The fund's asset allocation comprises around 2.67% in equities, 89.63% in debts, and 7.34% in cash & cash equivalents.
You can start investing in SBI Credit Risk Fund Regular 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

+9.75%

+11.86% (Cat Avg.)

3 Years

+8.23%

+8.99% (Cat Avg.)

5 Years

+7.43%

+9.85% (Cat Avg.)

10 Years

+7.53%

+6.38% (Cat Avg.)

Since Inception

+7.54%

— (Cat Avg.)

Portfolio Summaryas of 15th May 2025

Equity	₹60 Cr	2.67%
Debt	₹2,011.13 Cr	89.63%
Others	₹172.65 Cr	7.69%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.23% Govt Stock 2039	Bond - Gov't/Treasury	₹204.06 Cr	9.09%
Aadhar Housing Finance Limited	Bond - Corporate Bond	₹112.93 Cr	5.03%
Nirma Limited	Bond - Corporate Bond	₹111.54 Cr	4.97%
Renew Solar Energy (Jharkhand Five) Private Limited	Bond - Corporate Bond	₹107.04 Cr	4.77%
Infopark Properties Ltd.	Bond - Corporate Bond	₹105.98 Cr	4.72%
Century Textiles And Industried Limited	Bond - Corporate Bond	₹86.29 Cr	3.85%
Sandur Manganese And Iron Ores Limited (The)	Bond - Corporate Bond	₹83.48 Cr	3.72%
6.79% Govt Stock 2034	Bond - Gov't/Treasury	₹82.88 Cr	3.69%
Avanse Financial Services Ltd.	Bond - Corporate Bond	₹80.42 Cr	3.58%
Renserv Global Pvt Ltd.	Bond - Corporate Bond	₹79.75 Cr	3.55%
Aditya Birla Renewables Limited	Bond - Corporate Bond	₹76.26 Cr	3.40%
Motilal Oswal Home Finance Limited	Bond - Corporate Bond	₹75.73 Cr	3.37%
JSW Steel Limited	Bond - Corporate Bond	₹75.28 Cr	3.36%
Vistaar Financial Services Pvt Ltd.	Bond - Corporate Bond	₹75.24 Cr	3.35%
8.75% Ashoka Buildcon Limited	Bond - Corporate Bond	₹75.13 Cr	3.35%
Nuvoco Vistas Corporation Limited	Bond - Corporate Bond	₹75.06 Cr	3.35%
Indostar Capital Finance Ltd.	Bond - Corporate Bond	₹70.25 Cr	3.13%
Yes Bank Limited	Bond - Corporate Bond	₹64.19 Cr	2.86%
Net Receivable / Payable	Cash - Collateral	₹63.5 Cr	2.83%
Cube Highways Trust	Equity	₹60 Cr	2.67%
Tata Projects Limited	Bond - Corporate Bond	₹50.62 Cr	2.26%
Prestige Projects Private Limited	Bond - Corporate Bond	₹50.31 Cr	2.24%
Eris Lifesciences Limited	Bond - Corporate Bond	₹45.75 Cr	2.04%
Jindal Stainless Limited	Bond - Corporate Bond	₹44.99 Cr	2.01%
7.26% Govt Stock 2032	Bond - Gov't/Treasury	₹42.41 Cr	1.89%
Eris Lifesciences Limited	Bond - Corporate Bond	₹40.56 Cr	1.81%
Jm Financial Services Limited	Bond - Corporate Bond	₹35.02 Cr	1.56%
Poonawalla Housing Finance Limited	Bond - Corporate Bond	₹26.31 Cr	1.17%
Treps	Cash - Repurchase Agreement	₹21.24 Cr	0.95%
Yes Bank Limited	Bond - Corporate Bond	₹19.86 Cr	0.88%
Sheela Foam Limited	Bond - Corporate Bond	₹18.96 Cr	0.84%
Sheela Foam Limited	Bond - Corporate Bond	₹18.89 Cr	0.84%
Sheela Foam Limited	Bond - Corporate Bond	₹18.79 Cr	0.84%
Latur Renewable Private Limited	Bond - Corporate Bond	₹16.9 Cr	0.75%
Mahanagar Telephone Nigam Limited	Bond - Corporate Bond	₹15.25 Cr	0.68%
Corporate Debt Market Development Fund-A2	Mutual Fund - Open End	₹7.9 Cr	0.35%
8.75% Ashoka Buildcon Limited	Bond - Corporate Bond	₹5.01 Cr	0.22%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Industrials	₹60 Cr	2.67%

Risk & Performance Ratios

Fund Managers

Lokesh Mallya

Since February 2017

Additional Scheme Detailsas of 15th May 2025

ISIN

INF200K01685

Expense Ratio

1.55%

Exit Load

3.00%

Fund Size

₹2,244 Cr

Age

20 years 10 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	0.9%	3.0%	₹669.62 Cr	23.0%
ICICI Prudential Credit Risk Fund Direct Growth High Risk	0.8%	1.0%	₹6159.00 Cr	10.6%
Nippon India Credit Risk Fund Direct Growth High Risk	0.7%	1.0%	₹999.57 Cr	10.8%
Kotak Credit Risk Fund Direct Growth High Risk	0.8%	1.0%	₹706.84 Cr	9.4%
HDFC Credit Risk Debt Fund Direct Growth Moderately High risk	1.0%	1.0%	₹7134.80 Cr	10.0%
HDFC Credit Risk Debt Fund Regular Growth Moderately High risk	1.6%	1.0%	₹7134.80 Cr	9.4%
HSBC Credit Risk Fund Regular Growth Moderately High risk	1.7%	3.0%	₹669.62 Cr	22.0%
ICICI Prudential Credit Risk Fund Regular Growth High Risk	1.4%	1.0%	₹6159.00 Cr	9.9%
Invesco India Credit Risk Fund Regular Growth Moderately High risk	1.4%	4.0%	₹148.14 Cr	11.0%
Invesco India Credit Risk Fund Direct Growth Moderately High risk	0.3%	4.0%	₹148.14 Cr	12.3%
UTI Credit Risk Fund Direct Growth Moderately High risk	1.2%	1.0%	₹284.60 Cr	9.8%
SBI Credit Risk Fund Direct Growth High Risk	0.9%	3.0%	₹2243.78 Cr	10.5%
Bank of India Credit Risk Fund Direct Growth High Risk	1.0%	4.0%	₹109.74 Cr	6.4%
Bank of India Credit Risk Fund Regular Growth High Risk	1.4%	4.0%	₹109.74 Cr	6.0%
DSP Credit Risk Fund Direct Growth Moderately High risk	0.4%	1.0%	₹207.28 Cr	24.4%
Axis Credit Risk Fund Direct Growth Moderately High risk	0.8%	1.0%	₹362.89 Cr	10.4%
Axis Credit Risk Fund Regular Growth Moderately High risk	1.6%	1.0%	₹362.89 Cr	9.5%
Kotak Credit Risk Fund Regular Growth High Risk	1.7%	1.0%	₹706.84 Cr	8.4%
DSP Credit Risk Fund Regular Growth Moderately High risk	1.1%	1.0%	₹207.28 Cr	23.5%
SBI Credit Risk Fund Regular Growth High Risk	1.6%	3.0%	₹2243.78 Cr	9.8%
Nippon India Credit Risk Fund Regular Growth High Risk	1.5%	1.0%	₹999.57 Cr	10.0%
UTI Credit Risk Fund Regular Growth Moderately High risk	1.7%	1.0%	₹284.60 Cr	9.1%
Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk	0.8%	1.0%	₹174.87 Cr	10.4%
Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk	1.6%	1.0%	₹174.87 Cr	9.5%
Aditya BSL Credit Risk Fund Direct Growth High Risk	0.7%	3.0%	₹987.84 Cr	18.9%
Aditya BSL Credit Risk Fund Regular Growth High Risk	1.5%	3.0%	₹987.84 Cr	17.9%
Bandhan Credit Risk Fund Direct Growth Moderately High risk	0.7%	1.0%	₹285.92 Cr	9.5%
Bandhan Credit Risk Fund Regular Growth Moderately High risk	1.7%	1.0%	₹285.92 Cr	8.4%

About the AMC

SBI Mutual Fund

022 - 61793000

https://www.sbimf.com/

Total AUM

₹11,01,967 Cr

Address

C-38 & 39, G Block, Bandra Kurla Complex, Mumbai, 400 051

Other Funds by SBI Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
SBI Nifty50 Equal Weight Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹993.52 Cr	8.5%
SBI Fixed Maturity Plan (FMP) - Series 91 (90 Days) Direct Growth Moderately High risk	-	0.0%	-	-
SBI Debt Fund Series C 24 Direct Growth Low to Moderate Risk	-	0.0%	-	4.4%
SBI Fixed Maturity Plan (FMP) - Series 47 (1434 Days) Direct Growth Low Risk	-	0.0%	₹143.88 Cr	7.2%
SBI Fixed Maturity Plan Series 41 1498 Days Direct Growth Low Risk	-	0.0%	₹915.41 Cr	7.0%
SBI Long Term Advantage Fund Series II Direct Growth Very High Risk	-	0.0%	₹34.17 Cr	6.8%
SBI Debt Fund Series C 25 Direct Growth Low to Moderate Risk	-	0.0%	-	5.1%
SBI Fixed Maturity Plan (FMP) - Series 60 (1878 Days) Direct Growth Low to Moderate Risk	-	0.0%	₹249.24 Cr	9.7%
SBI Fixed Maturity Plan (FMP) - Series 74 1243 Days Direct Growth Low to Moderate Risk	-	-	₹154.11 Cr	8.5%
SBI Fixed Maturity Plan Series 78 1170 Days Direct Growth Low to Moderate Risk	-	0.0%	₹122.06 Cr	8.4%
SBI Fixed Maturity Plan Series 66 1361 Days Direct Growth Moderate Risk	-	0.0%	₹662.46 Cr	8.4%
SBI Fixed Maturity Plan Series 57 1835 Days Direct Growth Low to Moderate Risk	-	-	₹258.61 Cr	9.4%
SBI Fixed Maturity Plan (FMP) - Series 80 366 Days Direct Growth Moderate Risk	-	0.0%	-	7.6%
SBI Fixed Maturity Plan Series 1 3668 Days Direct Growth Moderate Risk	-	0.0%	₹48.96 Cr	11.5%
SBI Fixed Maturity Plan Series 81 1157 Days Direct Growth Low to Moderate Risk	-	0.0%	₹399.49 Cr	8.5%
SBI Fixed Maturity Plan (FMP) - Series 49 (1823 Days) Direct Growth Low to Moderate Risk	-	0.0%	₹393.91 Cr	9.0%
SBI Fixed Maturity Plan (FMP) - Series 75 (366 Days) Direct Growth Moderate Risk	-	-	-	7.5%
SBI Fixed Maturity Plan Series 46 1850 Days Direct Growth Low to Moderate Risk	-	0.0%	₹132.25 Cr	8.7%
SBI Fixed Maturity Plan Series 53 1839 Days Direct Growth Low to Moderate Risk	-	-	₹310.73 Cr	9.2%
SBI Long Term Advantage Fund Series I Direct Growth Low Risk	-	0.0%	₹49.50 Cr	17.1%
SBI Fixed Maturity Plan Series 79 1130 Days Direct Growth Low to Moderate Risk	-	0.0%	₹79.97 Cr	8.4%
SBI Long Term Advantage Fund Series VI Direct Growth Very High Risk	-	0.0%	₹268.37 Cr	7.2%
SBI Fixed Maturity Plan Series 76 1221 Days Direct Growth Low to Moderate Risk	-	-	₹161.44 Cr	8.3%
SBI Tax Advantage Fund Series III Direct Growth Very High Risk	-	0.0%	₹33.26 Cr	32.0%
SBI Fixed Maturity Plan Series 73 1226 Days Direct Growth Low to Moderate Risk	-	-	₹196.01 Cr	8.5%
SBI Fixed Maturity Plan Series 44 1855 Days Direct Growth Low to Moderate Risk	-	0.0%	₹386.68 Cr	8.7%
SBI Fixed Maturity Plan Series 65 367 Days Direct Growth Low to Moderate Risk	-	0.0%	-	-
SBI Fixed Maturity Plan (FMP) - Series 58 (1842 Days) Direct Growth Low to Moderate Risk	-	-	₹252.77 Cr	9.5%
SBI Fixed Maturity Plan (FMP) - Series 50 (1843 Days) Direct Growth Low to Moderate Risk	-	-	₹122.40 Cr	9.1%
SBI Fixed Maturity Plan Series 52 1848 Days Direct Growth Low to Moderate Risk	-	-	₹137.81 Cr	9.1%
SBI Fixed Maturity Plan Series 67 1467 Days Direct Growth Low to Moderate Risk	-	0.0%	₹569.29 Cr	8.8%
SBI Fixed Maturity Plan (FMP) - Series 54 (1842 Days) Direct Growth Low to Moderate Risk	-	-	₹37.85 Cr	9.4%
SBI Fixed Maturity Plan Series 6 3668 Days Direct Growth Moderate Risk	-	0.0%	₹35.41 Cr	11.4%
SBI Fixed Maturity Plan Series 34 3682 Days Direct Growth Moderate Risk	-	-	₹28.18 Cr	12.1%
SBI Fixed Maturity Plan Series 64 1169 Days Direct Growth Low Risk	-	0.0%	₹391.24 Cr	7.5%
SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) Direct Growth Low to Moderate Risk	-	0.0%	₹28.07 Cr	8.6%
SBI Long Term Advantage Fund Series III Direct Growth Very High Risk	-	0.0%	₹69.88 Cr	8.4%
SBI Long Term Advantage Fund Series V Direct Growth Very High Risk	-	0.0%	₹362.08 Cr	32.8%
SBI Fixed Maturity Plan Series 43 1616 Days Direct Growth Low to Moderate Risk	-	0.0%	₹119.07 Cr	7.5%
SBI Fixed Maturity Plan Series 45 1840 Days Direct Growth Moderate Risk	-	0.0%	₹226.85 Cr	8.6%
SBI Fixed Maturity Plan Series 69 367 Days Direct Growth Moderate Risk	-	0.0%	-	7.6%
SBI Long Term Advantage Fund Series IV Direct Growth Very High Risk	-	0.0%	₹202.38 Cr	6.6%
SBI Fixed Maturity Plan Series 56 1232 Days Direct Growth Low Risk	-	-	₹287.30 Cr	7.2%
SBI Fixed Maturity Plan (FMP) - Series 48 (1458 Days) Direct Growth Low Risk	-	0.0%	₹46.53 Cr	7.3%
SBI Fixed Maturity Plan Series 68 1302 Days Direct Growth Low to Moderate Risk	-	0.0%	₹188.49 Cr	8.3%
SBI Fixed Maturity Plan Series 42 1857 Days Direct Growth Low to Moderate Risk	-	0.0%	₹479.49 Cr	8.3%
SBI Fixed Maturity Plan Series 63 372 Days Direct Growth Low to Moderate Risk	-	0.0%	-	6.3%
SBI Fixed Maturity Plan (FMP) - Series 51 (1846 Days) Direct Growth Low to Moderate Risk	-	-	₹300.36 Cr	9.1%
SBI Fixed Maturity Plan (FMP) - Series 71 (364 Days) Direct Growth Moderate Risk	-	-	-	7.5%
SBI Fixed Maturity Plan Series (FMP) - 77 (366 Days) Direct Growth Moderate Risk	-	0.0%	-	7.7%

Risk Level

Your principal amount will be at High Risk

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

The NAV of SBI Credit Risk Fund Regular Growth, as of 06-Jun-2025, is ₹45.68.

What are the returns of SBI Credit Risk Fund Regular Growth?

The fund has generated 9.75% over the last 1 year and 8.23% 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 Regular Growth?

The fund's allocation of assets is distributed as 2.67% in equities, 89.63% in bonds, and 7.34% in cash and cash equivalents.

Who manages the SBI Credit Risk Fund Regular Growth?

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

Lokesh Mallya

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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Fund Overview

Fund Size

₹2,244 Cr

Expense Ratio

1.55%

ISIN

INF200K01685

Minimum SIP

₹1,000

Exit Load

3.00%

Inception Date

19 Jul 2004

Risk Level

Your principal amount will be at High Risk