SBI Credit Risk Fund
The scheme seeks to provide the investors an opportunity to predominantly invest in corporate bonds rated AA and below(excluding AA+ rated corporate bonds) so as to generate attractive returns while maintaining moderate liquidity in the portfolio through investment in money market securities.
Growthvine rating: 4/5 — ranked #2 of 14 in category.
Fund basics
| Category | Debt: Credit Risk |
|---|---|
| NAV | ₹49.68 (as of 2026-08-21) |
| AUM | ₹2,175 Cr |
| Expense ratio | 1.32% |
| Riskometer | Moderately High |
| Fund manager | Lokesh Mallya |
| Exit load | For units in excess of 8% of the investment, 3% will be charged for redemption within 365 days. For units in excess of 8% of the investment, 1.5% will be charged for redemption after 366 days and within 730 days. For units in excess of 8% of the investment, 0.75% will be charged for redemption after 731 days and within 1095 days |
Performance & risk
| 5-year annualised return | 7.06% |
|---|---|
| Sharpe ratio | 1.66 |
| Standard deviation | 1.10% |
| Max drawdown | -27.20% |
| Alpha | 0 |
| Beta | 0 |
Over 5 years, captured 95.2% of NIFTY Credit Risk Bond Index's upside and 15.0% of its downside.
Market cap allocation
Concentration
Top holdings
Not disclosed.
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|---|---|---|
| 2026 (partial) | 5.5% | Q1 (Top) | #4 of 14 |
| 2025 | 7.9% | Q3 | #11 of 14 |
| 2024 | 8.1% | Q2 | #6 of 14 |
| 2023 | 8.3% | Q1 (Top) | #3 of 14 |
| 2022 | 4.2% | Q2 | #6 of 13 |