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Fund Overview

Fund Size

Fund Size

₹2,434 Cr

Expense Ratio

Expense Ratio

1.55%

ISIN

ISIN

INF200K01685

Minimum SIP

Minimum SIP

₹1,000

Exit Load

Exit Load

3.00%

Inception Date

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 19 years, 11 months and 23 days, having been launched on 19-Jul-04.
As of 11-Jul-24, it has a Net Asset Value (NAV) of ₹42.13, Assets Under Management (AUM) of 2433.86 Crores, and an expense ratio of 1.55%.
  • SBI Credit Risk Fund Regular Growth has given a CAGR return of 7.46% since inception.
  • The fund's asset allocation comprises around 2.52% in equities, 87.13% in debts, and 10.05% 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

+7.44%

+6.82% (Cat Avg.)

3 Years

+6.47%

+8.91% (Cat Avg.)

5 Years

+7.02%

+6.03% (Cat Avg.)

10 Years

+7.69%

+6.08% (Cat Avg.)

Since Inception

+7.46%

(Cat Avg.)

Portfolio Summaryas of 30th June 2024

Equity61.35 Cr2.52%
Debt2,120.66 Cr87.13%
Others251.85 Cr10.35%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
7.16% Govt Stock 2050Bond - Gov't/Treasury126.64 Cr5.20%
Aadhar Housing Finance LimitedBond - Corporate Bond112.29 Cr4.61%
Nirma LimitedBond - Corporate Bond110.2 Cr4.53%
Infopark Properties LimitedBond - Corporate Bond105.15 Cr4.32%
7.1% Govt Stock 2034Bond - Gov't/Treasury100.63 Cr4.13%
Jindal Stainless LimitedBond - Corporate Bond87.62 Cr3.60%
Avanse Financial Services LimitedBond - Corporate Bond80.15 Cr3.29%
Renserv Global Pvt Ltd.Bond - Corporate Bond79.92 Cr3.28%
JSW Steel LimitedBond - Corporate Bond74.97 Cr3.08%
Ongc Petro Additions LimitedBond - Corporate Bond74.94 Cr3.08%
Nuvoco Vistas Corporation LimitedBond - Corporate Bond74.49 Cr3.06%
Vistaar Financial Services Private Ltd.Bond - Corporate Bond74.45 Cr3.06%
Indian Overseas BankCash - CD/Time Deposit74.32 Cr3.05%
Godrej Industries LimitedBond - Corporate Bond74.28 Cr3.05%
Indostar Capital Finance LimitedBond - Corporate Bond69.67 Cr2.86%
Yes Bank LimitedBond - Corporate Bond61.7 Cr2.54%
Cube Highways TrustEquity61.35 Cr2.52%
Tata Housing Development Company LimitedBond - Corporate Bond60.03 Cr2.47%
Phoenix Arc Private LimitedBond - Corporate Bond59.89 Cr2.46%
Patel Knr Heavy Infrastructures Private LimitedBond - Corporate Bond58.41 Cr2.40%
Net Receivable / PayableCash - Collateral57.36 Cr2.36%
Godrej Housing Finance LimitedBond - Corporate Bond54.91 Cr2.26%
7.23% Govt Stock 2039Bond - Gov't/Treasury50.9 Cr2.09%
7.18% Govt Stock 2033Bond - Gov't/Treasury50.42 Cr2.07%
Tata Projects LimitedBond - Corporate Bond50.05 Cr2.06%
Ongc Petro Additions LimitedBond - Corporate Bond49.98 Cr2.05%
Eris Lifesciences LimitedBond - Corporate Bond44.92 Cr1.85%
7.26% Govt Stock 2032Bond - Gov't/Treasury40.48 Cr1.66%
Ongc Petro Additions LimitedBond - Corporate Bond40.04 Cr1.65%
Eris Lifesciences LimitedBond - Corporate Bond39.94 Cr1.64%
Poonawalla Housing Finance LimitedBond - Corporate Bond35.02 Cr1.44%
Tata Projects LimitedBond - Corporate Bond34.97 Cr1.44%
Jm Financial Services LimitedBond - Corporate Bond34.92 Cr1.43%
Au Small Finance Bank LimitedBond - Corporate Bond30.48 Cr1.25%
TrepsCash - Repurchase Agreement22.85 Cr0.94%
Yes Bank LimitedBond - Corporate Bond19.37 Cr0.80%
Sheela Foam LimitedBond - Corporate Bond18.74 Cr0.77%
Sheela Foam LimitedBond - Corporate Bond18.74 Cr0.77%
Sheela Foam LimitedBond - Corporate Bond18.73 Cr0.77%
Sheela Foam LimitedBond - Corporate Bond18.72 Cr0.77%
Latur Renewable Private LimitedBond - Corporate Bond16.86 Cr0.69%
Latur Renewable Private LimitedBond - Corporate Bond16.56 Cr0.68%
Mahanagar Telephone Nigam LimitedBond - Corporate Bond15.24 Cr0.63%
Godrej Industries LimitedBond - Corporate Bond14.94 Cr0.61%
7.3% Govt Stock 2053Bond - Gov't/Treasury10.3 Cr0.42%
Corporate Debt Market Development Fund-A2Mutual Fund - Open End7.29 Cr0.30%

Allocation By Credit Quality (Debt)

AAA

AA

A

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Industrials61.35 Cr2.52%

Risk & Performance Ratios

Standard Deviation

This fund

1.36%

Cat. avg.

8.06%

Lower the better

Sharpe Ratio

This fund

0.55

Cat. avg.

0.20

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

6.77

Higher the better

Fund Managers

LM

Lokesh Mallya

Since February 2017

PK

Pradeep Kesavan

Since December 2023

AS

Adesh Sharma

Since December 2023

Additional Scheme Detailsas of 30th June 2024

ISIN
INF200K01685
Expense Ratio
1.55%
Exit Load
3.00%
Fund Size
₹2,434 Cr
Age
19 Jul 2004
Lumpsum Minimum
₹5,000
Fund Status
Open Ended Investment Company
Benchmark
CRISIL Credit Risk Debt B-II TR INR

Investment ObjectiveInvestment 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

Withdrawal within 1 year

Flat 15% tax on realised gains (STCG - short term capital gains)

Withdrawal after 1 year

10% tax on realised gains above Rs. 1 lakh per financial year (LTCG - long term capital gains)

Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies 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 nameExpense RatioExit LoadFund size
1Y
Bandhan Credit Risk Fund Regular Growth

Moderately High risk

1.7%1.0%₹346.14 Cr6.5%
Bandhan Credit Risk Fund Direct Growth

Moderately High risk

0.7%1.0%₹346.14 Cr7.5%
Aditya BSL Credit Risk Fund Regular Growth

Moderately High risk

1.6%3.0%₹920.64 Cr7.8%
Aditya BSL Credit Risk Fund Direct Growth

Moderately High risk

0.7%3.0%₹920.64 Cr8.8%
Baroda BNP Paribas Credit Risk Fund Regular Growth

Moderately High risk

1.6%1.0%₹142.46 Cr7.4%
Baroda BNP Paribas Credit Risk Fund Direct Growth

Moderately High risk

0.8%1.0%₹142.46 Cr8.3%
UTI Credit Risk Fund Regular Growth

Moderately High risk

1.6%1.0%₹387.86 Cr6.7%
Nippon India Credit Risk Fund Regular Growth

High Risk

1.4%1.0%₹1027.32 Cr7.7%
SBI Credit Risk Fund Regular Growth

High Risk

1.6%3.0%₹2433.86 Cr7.4%
DSP Credit Risk Fund Regular Growth

Moderately High risk

1.2%1.0%₹193.16 Cr15.4%

About the AMC

Total AUM

₹9,74,502 Cr

Address

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

Other Funds by SBI Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
SBI Nifty50 Equal Weight Index Fund Direct Growth

Very High Risk

0.5%0.0%₹954.55 Cr-
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

Moderate Risk

-0.0%₹135.51 Cr7.4%
SBI Fixed Maturity Plan Series 41 1498 Days Direct Growth

Moderate Risk

-0.0%₹865.97 Cr7.3%
SBI Long Term Advantage Fund Series II Direct Growth

Very High Risk

-0.0%₹42.06 Cr43.1%
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%₹230.84 Cr7.7%
SBI Fixed Maturity Plan (FMP) - Series 74 1243 Days Direct Growth

Low to Moderate Risk

---7.7%
SBI Fixed Maturity Plan Series 78 1170 Days Direct Growth

Low to Moderate Risk

-0.0%-7.4%
SBI Fixed Maturity Plan Series 66 1361 Days Direct Growth

Moderate Risk

-0.0%-7.6%
SBI Fixed Maturity Plan Series 57 1835 Days Direct Growth

Low to Moderate Risk

--₹240.01 Cr7.7%
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%₹44.68 Cr7.9%
SBI Fixed Maturity Plan Series 81 1157 Days Direct Growth

Low to Moderate Risk

-0.0%-7.5%
SBI Fixed Maturity Plan (FMP) - Series 49 (1823 Days) Direct Growth

Low to Moderate Risk

-0.0%₹366.77 Cr7.7%
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%₹123.35 Cr7.5%
SBI Fixed Maturity Plan Series 53 1839 Days Direct Growth

Low to Moderate Risk

--₹288.81 Cr7.7%
SBI Long Term Advantage Fund Series I Direct Growth

Very High Risk

-0.0%₹51.91 Cr43.1%
SBI Fixed Maturity Plan Series 79 1130 Days Direct Growth

Low to Moderate Risk

-0.0%-7.3%
SBI Long Term Advantage Fund Series VI Direct Growth

Very High Risk

-0.0%₹305.37 Cr50.1%
SBI Fixed Maturity Plan Series 76 1221 Days Direct Growth

Low to Moderate Risk

---7.3%
SBI Tax Advantage Fund Series III Direct Growth

Very High Risk

-0.0%₹33.26 Cr32.0%
SBI Fixed Maturity Plan Series 73 1226 Days Direct Growth

Low to Moderate Risk

---7.4%
SBI Fixed Maturity Plan Series 44 1855 Days Direct Growth

Low to Moderate Risk

-0.0%₹360.37 Cr7.6%
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

--₹234.47 Cr7.6%
SBI Fixed Maturity Plan (FMP) - Series 50 (1843 Days) Direct Growth

Low to Moderate Risk

--₹113.88 Cr7.4%
SBI Fixed Maturity Plan Series 52 1848 Days Direct Growth

Low to Moderate Risk

--₹128.24 Cr7.7%
SBI Fixed Maturity Plan Series 67 1467 Days Direct Growth

Low to Moderate Risk

-0.0%-7.5%
SBI Fixed Maturity Plan (FMP) - Series 54 (1842 Days) Direct Growth

Low to Moderate Risk

--₹35.19 Cr7.7%
SBI Fixed Maturity Plan Series 6 3668 Days Direct Growth

Moderate Risk

-0.0%₹32.33 Cr7.8%
SBI Fixed Maturity Plan Series 34 3682 Days Direct Growth

Moderate Risk

--₹25.66 Cr7.7%
SBI Fixed Maturity Plan Series 64 1169 Days Direct Growth

Low to Moderate Risk

-0.0%-7.3%
SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) Direct Growth

Low to Moderate Risk

-0.0%₹26.18 Cr7.2%
SBI Long Term Advantage Fund Series III Direct Growth

Very High Risk

-0.0%₹76.67 Cr46.2%
SBI Long Term Advantage Fund Series V Direct Growth

Very High Risk

-0.0%₹334.02 Cr42.7%
SBI Fixed Maturity Plan Series 43 1616 Days Direct Growth

Low to Moderate Risk

-0.0%₹111.86 Cr7.5%
SBI Fixed Maturity Plan Series 45 1840 Days Direct Growth

Moderate Risk

-0.0%₹211.51 Cr7.7%
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%₹222.47 Cr39.7%
SBI Fixed Maturity Plan Series 56 1232 Days Direct Growth

Low to Moderate Risk

--₹271.60 Cr7.4%
SBI Fixed Maturity Plan (FMP) - Series 48 (1458 Days) Direct Growth

Low to Moderate Risk

-0.0%₹43.79 Cr7.4%
SBI Fixed Maturity Plan Series 68 1302 Days Direct Growth

Low to Moderate Risk

-0.0%-7.2%
SBI Fixed Maturity Plan Series 42 1857 Days Direct Growth

Low to Moderate Risk

-0.0%₹447.95 Cr7.6%
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

--₹279.31 Cr7.6%
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

High Risk
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The NAV of SBI Credit Risk Fund Regular Growth, as of 11-Jul-2024, is ₹42.13.
The fund has generated 7.44% over the last 1 year and 6.47% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 2.52% in equities, 87.13% in bonds, and 10.05% in cash and cash equivalents.
The fund managers responsible for SBI Credit Risk Fund Regular Growth are:-
  1. Lokesh Mallya
  2. Pradeep Kesavan
  3. Adesh Sharma