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Aditya Birla Sun Life Credit Risk Fund Direct Growth
Debt
Credit Risk
Moderately High Risk
+12.83%
3Y annualised
-0.05% 1D
NAV: 19 Jan '26
₹26.50
Min. SIP amount
₹100
Fund size
₹1,091.72 Cr
Expense ratio
0.80%
Return calculator
Monthly SIP
One time
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹63,299 | +5.50% | |
| 3 years | ₹1,80,000 | ₹2,17,219 | +20.68% | |
| 5 years | ₹3,00,000 | ₹3,97,680 | +32.56% | |
| 10 years | ₹6,00,000 | ₹9,81,245 | +63.54% |
Holdings (40)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 5.55% |
| Aditya Birla Real Estate Ltd. | Consumer Staples | Debenture | 4.13% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 3.71% |
| GMR Airports Ltd. | Construction | Bonds | 3.45% |
| GOI | Sovereign | GOI Sec | 3.30% |
| GOI | Sovereign | GOI Sec | 3.29% |
| IKF Finance Ltd. | Financial | Debenture | 3.19% |
| Hinduja Leyland Finance Ltd. | Financial | Debenture | 3.18% |
| Jubilant Bevco Ltd. | Consumer Staples | Debenture | 2.95% |
| Kogta Financial India Ltd. | Financial | Debenture | 2.94% |
| Gaursons India Pvt. Ltd. | Construction | Debenture | 2.91% |
| Narayana Hrudayalaya Ltd. | Healthcare | Debenture | 2.78% |
| JSW Energy Ltd. | Capital Goods | Debenture | 2.77% |
| Vedanta Ltd. | Metals & Mining | Debenture | 2.76% |
| Hero Housing Finance Ltd. | Financial | Debenture | 2.76% |
| SIS Ltd. | Services | Debenture | 2.76% |
| JTPM Metal Traders Ltd. | Metals & Mining | Debenture | 2.72% |
| Hinduja Housing FInance Ltd. | Financial | NCD | 2.68% |
| Ess Kay Fincorp Ltd. | Financial | NCD | 2.48% |
| Indian Railway Finance Corporation Ltd. | Financial | Bonds | 2.30% |
| Avanse Financial Services Ltd. | Financial | Debenture | 2.30% |
| Bajaj Housing Finance Ltd. | Financial | NCD | 2.29% |
| National Bank For Financing Infrastructure And Development | Financial | Bonds | 2.27% |
| Nuvama Wealth Finance Ltd. | Financial | Debenture | 2.04% |
| Indus Infra Trust | Construction | InvITs | 1.92% |
| Adani Airport Holdings Ltd. | Services | Debenture | 1.87% |
| Avanse Financial Services Ltd. | Financial | Debenture | 1.84% |
| JSW Energy Ltd. | Capital Goods | NCD | 1.82% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 1.78% |
| IndiGrid Infrastructure Trust | Capital Goods | InvITs | 1.72% |
| Nexus Select Trust | Construction | REITs | 1.72% |
| Embassy Office Parks REIT | Construction | REITs | 1.53% |
| Tata Projects Ltd. | Construction | Debenture | 1.39% |
| Eris Lifesciences Ltd. | Healthcare | Debenture | 1.25% |
| Eris Lifesciences Ltd. | Healthcare | Debenture | 1.25% |
| PCBL Chemical Ltd. | Chemicals | Debenture | 1.18% |
| Power Finance Corporation Ltd. | Financial | Debenture | 0.90% |
| GOI | Sovereign | GOI Sec | 0.89% |
| IRB InvIT Fund | Construction | InvITs | 0.53% |
| Power Finance Corporation Ltd. | Financial | Debenture | 0.11% |
See All
Minimum investments
Min. for 1st investment
₹100
Min. for 2nd investment
₹100
Min. for SIP
₹100
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +12.8% | +10.7% | +9.5% | +9.5% |
| Category average (Debt Credit Risk) | +8.7% | +9.0% | +6.4% | -- |
| Rank (Debt Credit Risk) | 2 | 3 | 1 | -- |
Exit load, stamp duty and tax
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 on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed as per your Income Tax slab.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
Aditya Birla Sun Life Credit Risk Fund Direct Growth | +17.84% | +12.83% | 1,091.72 | |
Invesco India Credit Risk Fund Direct Growth | +10.30% | +10.51% | 155.57 | |
Nippon India Credit Risk Fund Direct Growth | +9.36% | +9.04% | 1,015.83 | |
Axis Credit Risk Fund Direct Growth | +9.25% | +8.62% | 368.01 | |
Baroda BNP Paribas Credit Risk Fund Direct Growth | +8.46% | +8.58% | 185.49 | |
| Compare | ||||
Fund management
SDCSunaina da CunhaApr 2017 - PresentView details
SDC
Sunaina da Cunha
Apr 2017 - Present
View details
MSMohit SharmaAug 2020 - PresentView details
MS
Mohit Sharma
Aug 2020 - Present
View details
About Aditya Birla Sun Life Credit Risk Fund Direct Growth
Aditya Birla Sun Life Credit Risk Fund Direct Growth is a Debt Mutual Fund Scheme launched by Aditya Birla Sun Life Mutual Fund. This scheme was made available to investors on 23 Dec 1994. Sunaina da Cunha is the Current Fund Manager of Aditya Birla Sun Life Credit Risk Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹4,30,736 Cr and the Latest NAV as of 19 Jan 2026 is ₹26.50.
The Aditya Birla Sun Life Credit Risk Fund Direct Growth is rated Moderately High risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹100. 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.
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Investment Objective
The scheme seeks to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade.
Fund benchmarkCRISIL Credit Risk Debt B-II Index
Fund house
Rank (total assets)#4 in India
Total AUM₹4,30,735.61 Cr
Date of Incorporation23 Dec 1994
Launch Date23 Dec 1994
AddressOne World Center, Tower 1, 17th Floor, Jupiter Mill CompoundSenapati Bapat Marg, Elphinstone Road Mumbai 400013
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Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,