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SBI CREDIT RISK FUND

Credit Risk fund benchmarked to CRISIL Composite Credit Risk Index. Every figure below is read from one dated snapshot; what the snapshot cannot prove is left out, never estimated.

Latest NAV2 Sep 202649.7769
CategoryCredit Risk
PlanRegular · Growth
Launched5 Jul 2004
Risk labelthe scheme's own riskometerHIGH
Legal benchmarkSEBI Tier-1CRISIL Composite Credit Risk Index
Expense ratiodirect plan, a year1.54%
AUM₹1,818 Cr
Growth of ₹10,000₹14,0682 Sep 2021 to 2 Sep 2026
₹14,068₹13,051₹12,034₹11,017₹10,000Sep 2021Nov 2022Mar 2024Jun 2025Sep 2026
₹14,068 (+7.1% a year) SBI CREDIT RISK FUND

Performance (trailing, annualised)

1Y annualised8.05%
3Y annualised7.96%
5Y annualised7.07%
10Y annualised7.14%

Point-to-point from the fund's own published NAV; a period the history does not span is left out.

SIP returns

SIP 1Y (₹10,000 a month)invested ₹1,20,000 → worth ₹1,25,6758.85%
SIP 3Y (₹10,000 a month)invested ₹3,60,000 → worth ₹4,07,0708.14%
SIP 5Y (₹10,000 a month)invested ₹6,00,000 → worth ₹7,31,4617.86%

₹10,000 on the first of every month, valued at the latest NAV, as an annualised rate (XIRR).

Calendar years

Calendar 20214.95%
Calendar 20224.25%
Calendar 20238.32%
Calendar 20248.08%
Calendar 20257.92%

Rolling returns

Rolling 1Y · average997 windows since 5 Apr 20077.78%
Rolling 1Y · median7.79%
Rolling 1Y · worst window3.35%
Rolling 1Y · best window11.60%
Rolling 1Y · windows positive100%
Rolling 3Y · average893 windows since 9 Apr 20097.82%
Rolling 3Y · median7.39%
Rolling 3Y · worst window5.77%
Rolling 3Y · best window10.74%
Rolling 3Y · windows positive100%
Rolling 5Y · average791 windows since 5 Apr 20117.93%
Rolling 5Y · median7.54%
Rolling 5Y · worst window6.08%
Rolling 5Y · best window10.46%
Rolling 5Y · windows positive100%

Every window of that length in the published history, so one lucky start date cannot flatter the fund.

Risk

Volatility (3Y)1.00%
Downside deviation (3Y)0.47%
Maximum drawdown-0.51%

Management

Fund managerMr. Lokesh Mallya
Managing since1 Feb 2017

What it holds

SecurityWeight
Renew Solar Energy (Jharkhand Five) Pvt. Ltd.4.6%
Lodha Developers Ltd.4.6%
Tata Projects Ltd.4.6%
NJ Capital Pvt. Ltd.4.5%
H.G. Infra Engineering Ltd.4.5%
JTPM Metal Traders Ltd.4.4%
Renserv Global Pvt Ltd.3.7%
JSW Kalinga Steel Ltd.3.5%
Motilal Oswal Home Finance Ltd.3.5%
Aditya Birla Renewables Ltd.3.5%
SectorWeight
CRISIL AA22.9%
Sovereign13.5%
IND AA12.1%
[ICRA]AA-9.1%
Transport Infrastructure9.0%

Portfolio disclosed: 97.6% by weight.

Related

Source: the OmniAsset signed reference snapshot, as of 4 Sep 2026. Figures are deterministic; missing data is withheld, never estimated. See methodology and data sources. Not investment advice.

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