Aditya Birla Sun Life Credit Risk Fund Direct IDCW

Debt
Credit Risk
Moderate Risk
Payout
+7.83%
3Y annualised
0.00% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 12 Sep 2025
₹13.88
Rating
NA
Min. SIP amount
₹100
Fund size
₹1,033.46Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Holdings (227)

NameSectorInstrumentAssets
GOI
SovereignGOI Sec9.61%
GOI
SovereignGOI Sec7.74%
FinancialBonds4.15%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture2.69%
GOI
SovereignGOI Sec2.22%
Jamnagar Utilities and Power Pvt. Ltd.
Capital GoodsDebenture2.12%
REC Ltd.
FinancialBonds2.09%
GOI
SovereignGOI Sec2.05%
GOI
SovereignGOI Sec2.04%
Bajaj Housing Finance Ltd.
FinancialBonds2.03%
Bajaj Finance Ltd.
FinancialDebenture1.64%
Tata Capital Financial Services Ltd.
FinancialDebenture1.37%
FinancialDebenture1.26%
LIC Housing Finance Ltd.
FinancialDebenture1.20%
Power Finance Corporation Ltd.
FinancialNCD1.19%
LIC Housing Finance Ltd.
FinancialDebenture1.19%
Power Finance Corporation Ltd.
FinancialBonds1.18%
LIC Housing Finance Ltd.
FinancialBonds1.17%
REC Ltd.
FinancialBonds1.16%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture1.08%
Capital GoodsDebenture1.04%
Rajasthan State
OthersSDL0.98%
Embassy Office Parks REIT
ConstructionNCD0.94%
LIC Housing Finance Ltd.
FinancialBonds/NCD0.92%
Indian Railway Finance Corporation Ltd.
FinancialDebenture0.88%
LIC Housing Finance Ltd.
FinancialDebenture0.86%
Embassy Office Parks REIT
ConstructionDebenture0.82%
Mahindra & Mahindra Financial Services Ltd.
FinancialDebenture0.81%
Tata Capital Ltd.
FinancialDebenture0.73%
Aditya Birla Housing Finance Ltd.
FinancialNCD0.69%
Bajaj Housing Finance Ltd.
FinancialDebenture0.69%
Bajaj Finance Ltd.
FinancialDebenture0.66%
Indian Railway Finance Corporation Ltd.
FinancialNCD0.65%
Tata Capital Financial Services Ltd.
FinancialBonds0.64%
Small Industries Devp. Bank of India Ltd.
FinancialBonds0.64%
Power Finance Corporation Ltd.
FinancialBonds0.64%
Power Finance Corporation Ltd.
FinancialBonds0.64%
Poonawalla Fincorp Ltd.
FinancialDebenture0.63%
Summit Digitel Infrastructure Pvt. Ltd.
CommunicationDebenture0.63%
GOI
SovereignGOI Sec0.57%
Summit Digitel Infrastructure Pvt. Ltd.
CommunicationDebenture0.55%
Tata Capital Ltd.
FinancialDebenture0.55%
National Bank For Agriculture & Rural Development
FinancialBonds0.55%
Mahindra & Mahindra Financial Services Ltd.
FinancialDebenture0.55%
National Housing Bank
FinancialBonds0.55%
National Bank For Agriculture & Rural Development
FinancialBonds0.55%
Export-Import Bank Of India
FinancialBonds0.55%
Indian Railway Finance Corporation Ltd.
FinancialBonds0.53%
LIC Housing Finance Ltd.
FinancialBonds0.52%
GOI
SovereignGOI Sec0.50%
Bajaj Finance Ltd.
FinancialBonds/NCD0.49%
FinancialNCD0.49%
State Bank of India
FinancialDebenture0.49%
Export-Import Bank Of India
FinancialBonds0.46%
National Bank For Agriculture & Rural Development
FinancialBonds0.45%
Housing & Urban Development Corporation Ltd.
FinancialBonds0.45%
Power Finance Corporation Ltd.
FinancialDebenture0.44%
Small Industries Devp. Bank of India Ltd.
FinancialBonds/NCD0.44%
Tata Capital Financial Services Ltd.
FinancialBonds0.41%
REC Ltd.
FinancialDebenture0.40%
FinancialDebenture0.39%
Haryana State
OthersSDL0.39%
Bajaj Finance Ltd.
FinancialDebenture0.37%
Indian Renewable Energy Development Agency Ltd.
FinancialDebenture0.37%
FinancialBonds0.36%
Nexus Select Trust
ConstructionDebenture0.36%
Axis Finance Ltd.
FinancialDebenture0.36%
Punjab National Bank
FinancialBonds0.36%
Power Finance Corporation Ltd.
FinancialBonds0.36%
Bajaj Finance Ltd.
FinancialBonds/NCD0.36%
Housing & Urban Development Corporation Ltd.
FinancialNCD0.36%
Power Finance Corporation Ltd.
FinancialDebenture0.35%
National Bank For Financing Infrastructure And Development
FinancialDebenture0.35%
FinancialNCD0.35%
FinancialFRB0.34%
ICICI Home Finance Company Ltd.
FinancialBonds0.31%
Pipeline Infrastructure (India) Pvt. Ltd.
ConstructionDebenture0.30%
LIC Housing Finance Ltd.
FinancialFRB0.29%
LIC Housing Finance Ltd.
FinancialDebenture0.29%
FinancialDebenture0.28%
ConstructionDebenture0.28%
HDFC Bank Ltd.
FinancialDebenture0.27%
India Universal Trust AL1
OthersSec. Debt0.27%
Sundaram Home Finance Ltd.
FinancialDebenture0.27%
Aditya Birla Housing Finance Ltd.
FinancialDebenture0.27%
FinancialBonds0.27%
Power Finance Corporation Ltd.
FinancialBonds0.27%
Housing & Urban Development Corporation Ltd.
FinancialNCD0.27%
Ultratech Cement Ltd.
ConstructionBonds0.27%
Bajaj Finance Ltd.
FinancialDebenture0.27%
Larsen & Toubro Ltd.
ConstructionDebenture0.27%
GOI
SovereignGOI Sec0.27%
NTPC Ltd.
EnergyNCD0.27%
Sundaram Home Finance Ltd.
FinancialDebenture0.25%
India Universal Trust AL1
OthersSec. Debt0.24%
Sundaram Home Finance Ltd.
FinancialDebenture0.24%
GOI
SovereignCGL0.24%
IndiGrid Infrastructure Trust
Capital GoodsNCD0.23%
FinancialDebenture0.23%
ConstructionDebenture0.22%
ConstructionDebenture0.22%
Aditya Birla Finance Ltd.
FinancialDebenture0.20%
DME Development Ltd.
ConstructionDebenture0.20%
DME Development Ltd.
ConstructionDebenture0.20%
DME Development Ltd.
ConstructionDebenture0.20%
DME Development Ltd.
ConstructionDebenture0.20%
DME Development Ltd.
ConstructionDebenture0.20%
DME Development Ltd.
ConstructionDebenture0.20%
DME Development Ltd.
ConstructionDebenture0.20%
DME Development Ltd.
ConstructionDebenture0.19%
DME Development Ltd.
ConstructionDebenture0.19%
DME Development Ltd.
ConstructionDebenture0.19%
Pipeline Infrastructure (India) Pvt. Ltd.
ConstructionDebenture0.18%
FinancialDebenture0.18%
Kotak Mahindra Prime Ltd.
FinancialDebenture0.18%
Kotak Mahindra Prime Ltd.
FinancialDebenture0.18%
Aditya Birla Housing Finance Ltd.
FinancialDebenture0.18%
Summit Digitel Infrastructure Pvt. Ltd.
CommunicationNCD0.18%
FinancialBonds/NCD0.18%
Reliance Life Sciences Pvt Ltd.
HealthcareDebenture0.18%
Tata Capital Financial Services Ltd.
FinancialBonds0.18%
India Universal Trust AL1
OthersSec. Debt0.18%
Power Grid Corporation Of India Ltd.
EnergyBonds/Deb0.18%
Hindustan Zinc Ltd.
Metals & MiningDebenture0.18%
Power Finance Corporation Ltd.
FinancialBonds0.18%
REC Ltd.
FinancialBonds0.18%
Indian Railway Finance Corporation Ltd.
FinancialBonds0.18%
REC Ltd.
FinancialDebenture0.18%
NTPC Ltd.
EnergyDebenture0.18%
REC Ltd.
FinancialDebenture0.18%
Sundaram Home Finance Ltd.
FinancialDebenture0.16%
Bank Of Baroda
FinancialBonds0.16%
FinancialDebenture0.15%
FinancialDebenture0.15%
Summit Digitel Infrastructure Pvt. Ltd.
CommunicationNCD0.14%
Tata Capital Ltd.
FinancialDebenture0.13%
EnergyNCD0.13%
GOI
SovereignGOI Sec0.12%
FinancialDebenture0.12%
FinancialDebenture0.11%
FinancialDebenture0.11%
National Bank For Agriculture & Rural Development
FinancialBonds0.09%
National Bank For Agriculture & Rural Development
FinancialDebenture0.09%
National Bank For Agriculture & Rural Development
FinancialDebenture0.09%
GOI
SovereignCGL0.09%
Small Industries Devp. Bank of India Ltd.
FinancialBonds0.09%
FinancialDebenture0.09%
FinancialBonds0.09%
Hindustan Zinc Ltd.
Metals & MiningDebenture0.09%
ICICI Home Finance Company Ltd.
FinancialBonds0.09%
Sundaram Finance Ltd.
FinancialDebenture0.09%
Jio Credit Ltd.
FinancialDebenture0.09%
Jio Credit Ltd.
FinancialDebenture0.09%
REC Ltd.
FinancialDebenture0.09%
FinancialNCD0.09%
Indian Railway Finance Corporation Ltd.
FinancialBonds0.09%
Power Grid Corporation Of India Ltd.
EnergyBonds0.09%
FinancialBonds0.09%
FinancialSec. Debt0.09%
FinancialNCD0.08%
SovereignGOI Sec0.07%
Embassy Office Parks REIT
ConstructionDebenture0.07%
National Bank For Agriculture & Rural Development
FinancialDebenture0.05%
LIC Housing Finance Ltd.
FinancialDebenture0.05%
FinancialBonds0.05%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.05%
Tata Capital Financial Services Ltd.
FinancialDebenture0.05%
FinancialAd.Tier 2 Bnd0.05%
GOI
SovereignGOI Sec0.05%
SovereignGOI Sec0.05%
Vertis Infrastructure Trust
ConstructionDebenture0.05%
GOI
SovereignGOI Sec0.04%
GOI
SovereignGOI Sec0.04%
GOI
SovereignGOI Sec0.04%
FinancialNCD0.04%
Cube Highways Trust
ServicesDebenture0.04%
LIC Housing Finance Ltd.
FinancialDebenture0.04%
GOI
SovereignGOI Sec0.04%
FinancialDebenture0.04%
FinancialFRB0.04%
Tamilnadu State
OthersSDL0.04%
GOI
SovereignGOI Sec0.04%
FinancialNCD0.04%
Capital GoodsNCD0.04%
GOI
SovereignGOI Sec0.03%
SovereignGOI Sec0.03%
SovereignGOI Sec0.03%
FinancialZCB0.03%
GOI
SovereignGOI Sec0.02%
GOI
SovereignGOI Sec0.02%
FinancialDebenture0.02%
FinancialBonds0.02%
Karnataka State
OthersSDL0.02%
Maharashtra State
OthersSDL0.02%
FinancialNCD0.02%
Maharashtra State
OthersSDL0.02%
Gujarat State
ConstructionSDL0.02%
ConstructionSDL0.02%
FinancialDebenture0.02%
GOI
SovereignGOI Sec0.02%
Rajasthan State
OthersSDL0.02%
GOI
SovereignGOI Sec0.02%
GOI
SovereignGOI Sec0.02%
GOI
SovereignGOI Sec0.01%
Rajasthan State
OthersSDL0.01%
GOI
SovereignGOI Sec0.01%
GOI
SovereignGOI Sec0.01%
Tamilnadu State
OthersSDL0.01%
SovereignGOI Sec0.01%
Kotak Mahindra Investments Ltd.
FinancialDebenture0.01%
HDB Financial Services Ltd.
FinancialDebenture0.01%
GOI
SovereignGOI Sec0.01%
Kotak Mahindra Prime Ltd.
FinancialDebenture0.01%
GOI
SovereignGOI Sec0.01%
LIC Housing Finance Ltd.
FinancialBonds/Deb0.00%
GOI
SovereignCGL0.00%
FinancialDebenture0.00%
Tata Capital Housing Finance Ltd.
FinancialBonds0.00%
FinancialNCD0.00%
GOI
SovereignGOI Sec0.00%
SovereignGOI Sec0.00%
OthersSDL0.00%
SovereignGOI Sec0.00%
Maharashtra State
OthersSDL0.00%
Maharashtra State
OthersSDL0.00%
GOI
SovereignGOI Sec0.00%
SovereignGOI Sec0.00%
See All

Minimum investment amounts

Min. for 1st investment₹100
Min. for 2nd investment onwards₹100
Min. for SIP₹100

Returns and rankings

Category: Debt Credit Risk
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns8.1%7.8%6.7%8.2%
Category average8.1%7.3%6.0%NA
Rank with in category1995NA
Understand terms

Expense ratio, exit load and tax

Expense ratio: 0.67%

Inclusive of GST

Exit load

Exit load for units in excess of 15% of the investment, exit load of 3% if redeemed within 1 year, 2% if redeemed after 1 year but within 2 years, 1% if redeemed after 2 years but within 3 years.

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Fund house & investment objective

Fund house contact details

Address
One World Center, Tower 1, 17th Floor, Jupiter Mill CompoundSenapati Bapat Marg, Elphinstone Road Mumbai 400013
Phone
NA
Launch Date
23 Dec 1994
Aditya Birla Sun Life Mutual Fund
Asset Management Company
Custodian
Citibank NA
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,

Pros and cons

Category: Debt Credit Risk

Pros

Exit load is zero
Lower expense ratio: 0.32%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality
3Y, 5Y and 10Y annualised returns higher than category average

Cons

1Y annualised returns lower than category average by 0.05%

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Aditya Birla Sun Life Credit Risk Fund Direct IDCW
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