DEBT•CREDIT RISK FUND
SBI Credit Risk Fund
3 Year return
8.66%
NAV on August 13, 2026
53.9531
1D Returns
+0.03%
Launched on January 2013(13 years)
Investment Details
₹500
Minimum SIP Amount
₹5000
Minimum one time investment
Fund has no lock-in period
Calculate Returns
Based on past performance of this fund
₹
Your Investment₹3,600
Gain
14.56%₹524
Total Value ₹4,124
Risk Involved
Your principal will be at
Very High Risk
Scheme Information
Asset Under Management
₹2,174.86 Cr.
Expense Ratio
0.91% (inclusive of GST)
Exit Load
3.00% - If redeemed/switched out within 12 months from the date of allotment. - FOR 8% of the investment - Nil 1.50% - If redeemed/switched out after 12 months but within 24 months from the date of allotment. - For 8% of the investment - Nil 0.75% - If redeemed/switched out after 24 months but within 36 months from the date of allotment. - For 8% of the investment - Nil NIL - If redeemed/switched out after 36 months from the date of allotment.
Ratings
2.5
Ratings by other agencies
Value Research
3
Crisil
4
Morning Star
5
Tax Implications
Tax on gains as per your income tax bracket
SBI Mutual Fund Manager
LM
Lokesh Mallya
Fund Manager since Feb 2017
PK
Pradeep Kesavan
Fund Manager since Feb 2024
PS
Prashanth Sridhar
Fund Manager since Jul 2026
Fund House Details
SBI Mutual Fund
Asset management company
AUM
₹12,81,380.68 Cr.
No. of Schemes
276
Setup Date
June 1987
Peer Comparison
Comparison with other similar funds
| Funds | 3 Y Returns | ARQ Rating |
|---|---|---|
| Bank of India Credit Risk Fund | 10.0783% | 4 |
| DSP Credit Risk Fund | 16.9387% | 5 |
| Aditya Birla Sun Life Credit Risk Fund | 13.2628% | 5 |
Schemes by SBI Mutual Fund
List of mutual fund schemes by AMC
Funds
3 Years Returns
SBI Credit Risk Fund Direct Growth is an offering from SBI Mutual Fund, falling under the category of Debt Mutual Fund Schemes. This open-ended debt scheme primarily directs its investments towards AA and below rated corporate bonds (excluding AA+ rated corporate bonds). It's important to note that this investment choice carries a relatively higher interest rate risk and credit risk compared to other options within the category. This fund has a higher expense ratio, compared to the category average.
Investment Objective of the Scheme
The core investment objective of SBI Credit Risk Fund Direct Plan Growth is to present investors with an avenue to predominantly invest in corporate bonds rated AA and below (excluding AA+ rated corporate bonds). This strategic investment approach is designed to yield attractive returns while simultaneously maintaining a moderate level of liquidity in the portfolio. The fund achieves this liquidity through investments in money market securities, which are known for their shorter maturities and relatively higher liquidity.
Key Features of The Fund
5-year return
7.8033%
Expense Ratio
0.91%
Fund Manager
Lokesh Mallya
Fund Size
₹2174.86 Cr.
Risk Profile
Moderately High
Is This Scheme Right for Me?
SBI Credit Risk Fund Direct Plan Growth caters particularly to investors who have an inclination towards regular income generation over the medium term. The fund's focus on corporate debt securities rated AA and below signifies a willingness to engage with securities that may offer potentially higher yields but also come with inherent credit risks. As with any investment decision, potential investors should evaluate their individual financial goals, risk tolerance, and investment horizon to determine if this scheme aligns with their overall investment strategy.
AMC Contact Details
| Name | SBI Mutual Fund |
| Launch Date | June 1987 |
| Address | 9th Floor, Crescenzo, C-38 & 39, G Block, Bandra-Kurla Complex, Mumbai, Maharashtra, India - 400 051 |
| Contact | 1800 209 33331800 425 5425 |
| customer.delight@sbimf.com | |
| Website | https://www.sbimf.com/ |
Disclaimer: Mutual funds are subject to market risk. Read all scheme-related documents carefully to make informed-decision.
Start Investing Early with SIPs
SIPs make mutual fund investing accessible. With a small, fixed amount, you can begin your investment journey and benefit from the power of compounding over time. Use Angel One's SIP calculator to determine a comfortable investment amount to reach your financial goals.
FAQs
What is today's NAV of SBI Credit Risk Fund?
NAV, or Net Asset Value, is the price of a single unit of a mutual fund. It is calculated by dividing the current value of holdings held by the mutual fund scheme at the end of the day by the total number of units issued. The NAV changes every day. The NAV of SBI Credit Risk Fund on August 13, 2026, is ₹53.9531
What is the AUM of SBI Credit Risk Fund?
Short for Asset Under Management, AUM means the total assets held by a mutual fund scheme. The AUM of the fund changes every day based on the fluctuation in the price of the underlying assets. Fund houses don't update AUM on a daily basis. They only update it at the end of the month and release it within a few days of the following month. The AUM of SBI Credit Risk Fund, is ₹2174.86 crore.
What is the expense ratio of SBI Credit Risk Fund?
The expense ratio is the annual charges you pay to the mutual fund house for managing your investments. It is a percentage of Assets Under Management. It is deducted from the fund's returns. The expense ratio of SBI Credit Risk Fund is 0.91%
What are the returns of SBI Credit Risk Fund since inception?
The SBI Credit Risk Fund was launched on January 01, 2013. The fund has delivered a CAGR of undefined since inception.
What is the minimum SIP amount to invest in SBI Credit Risk Fund?
A Systematic Investment Plan (SIP) in mutual funds allows you to invest small amounts periodically instead of a one-time investment. The frequency of investment can be monthly, quarterly, half-yearly or annually, as per your convenience. The minimum SIP for SBI Credit Risk Fund is ₹500.
How do I invest in SBI Credit Risk Fund?
- Make sure you are logged in to Angel One.
- Select the type of investment: SIP or one-time.
- In case of an SIP, select the amount and date and click ‘Start SIP’. In case of a one-time investment, enter just the amount.
- Proceed by clicking the pay button and choosing your mode of payment.
- Your portfolio will be updated with this investment in 3-5 working days.
How to start an SIP in SBI Credit Risk Fund?
- Click on the ‘Invest’ button.
- Enter your desired SIP amount and the SIP date.
- You can uncheck the ‘Make first payment now’ box if you don’t want to make the payment right away.
- Choose your payment method between UPI and Net Banking.
- Make your payment.
- Your SIP is created.
How do I automate an SIP in SBI Credit Risk Fund?
- Once you create an SIP, click on ‘Set up autopay’
- Select your desired verification method - debit card, net banking or Aadhar method credentials - and click on submit.
- Once you verify the OTP, your mandate request will be created.
How can I withdraw/redeem my investment in SBI Credit Risk Fund?
- Go to the ‘Investments’ section and click on the mutual fund scheme you want to withdraw.
- Enter the amount you want to withdraw and tap the ‘Withdraw’ button.
- Verify the details on the ‘Confirm withdraw’ screen.
- Select the bank account in which you want to receive the funds.
- You will receive your funds within three working days of placing the order.
- You can track your order in the ‘Orders’ section.
ENTER AMOUNT
₹
₹4,124 in 3Y at 8.6617% returns
SIP Date1st of every month
Your next SIP Payment will be on 13 September 2026
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