SBI Credit Risk Fund Direct Growth

Debt
Credit Risk
High Risk
8.67%
3Y annualised
0.00% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 05 Sep 2025
₹49.91
Rating
3
Min. SIP amount
₹500
Fund size
₹2,213.59Cr

Return calculator

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

Holdings (32)

NameSectorInstrumentAssets
GOI
SovereignGOI Sec6.89%
FinancialDebenture5.09%
Nirma Ltd.
Consumer StaplesDebenture5.03%
Renew Solar Energy (Jharkhand Five) Pvt. Ltd.
OthersNCD4.78%
Infopark Properties Ltd.
ConstructionDebenture4.78%
NJ Capital Pvt Ltd.
FinancialDebenture4.49%
Sandur Manganese & Iron Ores Ltd.
Metals & MiningNCD3.73%
GOI
SovereignGOI Sec3.69%
FinancialDebenture3.62%
Renserv Global Pvt Ltd.
OthersDebenture3.61%
Aditya Birla Renewables Ltd.
EnergyBonds/NCD3.44%
Motilal Oswal Home Finance Ltd.
FinancialDebenture3.42%
Ashoka Buildcon Ltd.
ConstructionNCD3.39%
Metals & MiningDebenture3.39%
Nuvoco Vistas Corporation Ltd.
ConstructionBonds/NCD3.38%
Indostar Capital Finance Ltd.
FinancialDebenture3.16%
ServicesInvITs2.95%
FinancialBonds2.90%
Vistaar Financial Services Pvt. Ltd.
FinancialDebenture2.54%
Aditya Birla Real Estate Ltd.
Consumer StaplesNCD2.29%
Prestige Projects Private Ltd.
ConstructionDebenture2.26%
Eris Lifesciences Ltd.
HealthcareDebenture2.06%
SovereignGOI Sec1.90%
SovereignGOI Sec1.89%
Eris Lifesciences Ltd.
HealthcareDebenture1.83%
Godrej Seeds & Genetics Ltd.
Consumer StaplesNCD1.12%
FinancialBonds0.90%
Sheela Foam Ltd.
Consumer DiscretionaryDebenture0.85%
Latur Renewable Pvt. Ltd.
Capital GoodsDebenture0.76%
CommunicationDebenture0.68%
FinancialDebenture0.39%
Ashoka Buildcon Ltd.
ConstructionNCD0.23%
See All

Minimum investment amounts

Min. for 1st investment₹5,000
Min. for 2nd investment onwards₹1,000
Min. for SIP₹500

Returns and rankings

Category: Debt Credit Risk
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns8.9%8.7%7.6%8.7%
Category average10.5%8.5%9.2%NA
Rank with in category9612NA
Understand terms

Peer Comparison

Expense ratio, exit load and tax

Expense ratio: 0.89%

Inclusive of GST

Exit load

For units in excess of 8% of the investment, exit load of 3% if redeemed within 12 months, 1.5% if redeemed after 12 months but within 24 months and 0.75% if redeemed after 24 months but within 36 months

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 management

Lokesh Mallya
Feb 2017 - Present
View details

Education
Mr. Mallya is MBA and FRM.
Experience
Prior to SBI Mutual Fund, he has worked with Aditya Birla Sun Life AMC as fund manager (Sept 2009-Sept 2014) and as Credit Analyst (July 2006 - Aug 2009).
Also manages these schemes

Pradeep Kesavan
Dec 2023 - Present
View details

Education
Mr. Kesavan has done B.Com, MBA (Finance) and CFA
Experience
Prior to joining SBI MF, he has worked with Elara Capital, Accenture Strategy, Morgan Stanley and 3i Infotech
Also manages these schemes

Adesh Sharma
Dec 2023 - Present
View details

Education
Mr. Sharma has done B.Tech, M.Tech and PGDM (Finance)
Experience
Prior to joining SBI Mutual Fund, he has worked with IDFC Bank and Deutsche Bank AG
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
9th Floor-Crescenzo, C-38 & 39-G Block, Bandra-Kurla Complex,Bandra (East) Mumbai 400051
Phone
022-61793000 / 1800-425-5425
Launch Date
29 Jun 1987
E-mail
NA
SBI Mutual Fund
Asset Management Company
Custodian
SBI SG Global Securities Services Pvt.Ltd.
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,

Pros and cons

Category: Debt Credit Risk

Pros

3Y and 10Y annualised returns higher than category average

Cons

1Y and 5Y annualised returns lower than category average
Higher expense ratio: 0.89%

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