Aditya Birla Sun Life Credit Risk Fund Direct Growth

Debt
Credit Risk
High Risk
9.45%
3Y annualised
+0.07% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 22 Nov 2024₹22.22
Min. SIP amount₹100
Rating4
Fund size₹916.98Cr

Return calculator

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

Returns and rankings

Category: Debt Credit Risk
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns12.9%9.4%8.5%8.7%
Category average8.0%9.0%6.5%NA
Rank with in category134NA
Understand terms

Holdings (48)

NameSectorInstrumentAssets
SovereignGOI Sec9.85%
SovereignGOI Sec6.76%
Consumer StaplesDebenture5.33%
Metals & MiningDebenture3.21%
Hinduja Housing FInance Ltd.
FinancialNCD3.10%
Adani Airport Holdings Ltd.
ServicesDebenture2.88%
Piramal Capital & Housing Finance Ltd.
FinancialDebenture2.88%
ConstructionREITs2.78%
ONGC Petro Additions Ltd.
EnergyDebenture2.69%
Godrej Industries Ltd.
Consumer StaplesNCD2.69%
Tata Projects Ltd.
ConstructionDebenture2.69%
Arka Fincap Ltd.
FinancialDebenture2.68%
FinancialDebenture2.67%
DLF Home Developers Ltd
ServicesDebenture2.67%
EnergyDebenture2.67%
ServicesDebenture2.67%
EnergyDebenture2.67%
Tata Projects Ltd.
ConstructionNCD2.67%
FinancialDebenture2.66%
FinancialDebenture2.21%
ConstructionInvITs2.18%
FinancialDebenture2.14%
FinancialDebenture2.13%
PCBL Ltd.
ChemicalsDebenture1.60%
Eris Lifesciences Ltd.
HealthcareDebenture1.45%
Eris Lifesciences Ltd.
HealthcareDebenture1.45%
Capital GoodsInvITs1.34%
ConstructionREITs1.26%
SovereignGOI Sec0.96%
FinancialDebenture0.93%
GOI
SovereignGOI Sec0.93%
Belstar Microfinance Pvt Ltd.
FinancialDebenture0.75%
ConstructionInvITs0.61%
SovereignGOI Sec0.55%
GOI
SovereignGOI Sec0.54%
DME Development Ltd.
ConstructionDebenture0.46%
DME Development Ltd.
ConstructionDebenture0.46%
DME Development Ltd.
ConstructionDebenture0.46%
DME Development Ltd.
ConstructionDebenture0.46%
DME Development Ltd.
ConstructionDebenture0.46%
DME Development Ltd.
ConstructionDebenture0.45%
DME Development Ltd.
ConstructionDebenture0.45%
DME Development Ltd.
ConstructionDebenture0.45%
DME Development Ltd.
ConstructionDebenture0.45%
DME Development Ltd.
ConstructionDebenture0.44%
FinancialDebenture0.12%
FinancialDebenture0.05%
EnergyBonds/NCD0.00%
See All

Pros and cons

Category: Debt Credit Risk

Pros

Consistently top ranked fund
Consistently higher annualised returns than category average for the past 1Y, 3Y and 5Y

Cons

Higher expense ratio: 0.67%

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

Minimum investment amounts

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

Fund management

Sunaina da Cunha
Apr 2017 - Present
View details

Mohit Sharma
Aug 2020 - Present
View details

Education
Mr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta).
Experience
Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).
Also manages these schemes

Dhaval Joshi
Nov 2022 - Present
View details

Education
Mr. Joshi has done B.Com, M.Com. and MBA (Finance)
Experience
Prior to joining Aditya Birla Sun Life Mutual Fund, he was associated with Sundaram Mutual Fund, Emkay Global Financial Services and Asit C Mehta Investment Intermediates Ltd..
Also manages these schemes

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,

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