Previously Known As : Aditya Birla Sun Life Corporate Bond Fund
Aditya Birla Sun Life Credit Risk Fund Overview
Category Credit Risk Fund
BMSMONEY Rank 1
Rating
Growth Option 18-07-2025
NAV ₹22.53(R) +0.06% ₹24.7(D) +0.06%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 16.93% 10.51% 9.42% 8.02% 8.24%
Direct 17.94% 11.48% 10.37% 8.96% 9.22%
Benchmark
SIP (XIRR) Regular -1.81% 6.79% 8.76% 8.65% 7.87%
Direct -0.98% 7.76% 9.74% 9.61% 8.82%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.86 6.53 1.13 7.39% 0.14
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
2.83% 0.0% 0.0% 0.38 1.12%
Fund AUM As on: 30/06/2025 990 Cr
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Dsp Credit Risk Fund 2
Nippon India Credit Risk Fund 3

NAV Date: 18-07-2025

Scheme Name NAV Rupee Change Percent Change
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW 12.52
0.0100
0.0600%
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW 13.74
0.0100
0.0600%
Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth 22.53
0.0100
0.0600%
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth 24.7
0.0100
0.0600%
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Bonus 24.7
0.0100
0.0600%

Review Date: 18-07-2025

Beginning of Analysis

Aditya Birla Sun Life Credit Risk Fund is the top ranked fund in the Credit Risk Fund category. The category has total 13 funds. The Aditya Birla Sun Life Credit Risk Fund has shown an excellent past performence in Credit Risk Fund. The fund has a Jensen Alpha of 7.39% which is higher than the category average of 5.45%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.86 which is higher than the category average of 1.8.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Credit Risk Mutual Funds are designed for investors seeking higher returns by taking on higher credit risk. While they offer the potential for attractive yields, they come with significant risks, including the possibility of default and higher volatility. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, it is crucial to choose funds managed by experienced fund managers with a proven track record in managing credit risk.

Aditya Birla Sun Life Credit Risk Fund Return Analysis

  • The fund has given a return of 1.1%, 2.88 and 9.65 in last one, three and six months respectively. In the same period the category average return was 0.72%, 3.02% and 7.48% respectively.
  • Aditya Birla Sun Life Credit Risk Fund has given a return of 17.94% in last one year. In the same period the Credit Risk Fund category average return was 12.13%.
  • The fund has given a return of 11.48% in last three years and ranked 2.0nd out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 9.27%.
  • The fund has given a return of 10.37% in last five years and ranked 4th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 10.24%.
  • The fund has given a return of 9.22% in last ten years and ranked 1st out of 12 funds in the category. In the same period the category average return was 7.34%.
  • The fund has given a SIP return of -0.98% in last one year whereas category average SIP return is -4.02%. The fund one year return rank in the category is 3rd in 14 funds
  • The fund has SIP return of 7.76% in last three years and ranks 2nd in 13 funds. Dsp Credit Risk Fund has given the highest SIP return (13.48%) in the category in last three years.
  • The fund has SIP return of 9.74% in last five years whereas category average SIP return is 8.63%.

Aditya Birla Sun Life Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 2.83 and semi deviation of 1.12. The category average standard deviation is 1.65 and semi deviation is 0.77.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.02 and the maximum drawdown is -0.04. The fund has a beta of 0.4 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Credit Risk Fund Category
  • Good Performance in Credit Risk Fund Category
  • Poor Performance in Credit Risk Fund Category
  • Very Poor Performance in Credit Risk Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.03
    0.66
    		0.46 | 1.03 1 | 14 Very Good
    3M Return % 2.67
    2.83
    		1.30 | 12.84 2 | 14 Very Good
    6M Return % 9.19
    7.08
    		3.49 | 18.46 3 | 14 Very Good
    1Y Return % 16.93
    11.28
    		6.08 | 22.94 3 | 14 Very Good
    3Y Return % 10.51
    8.43
    		5.79 | 14.76 2 | 13 Very Good
    5Y Return % 9.42
    9.40
    		5.57 | 26.71 4 | 13 Very Good
    7Y Return % 8.02
    5.78
    		-1.52 | 8.13 2 | 13 Very Good
    10Y Return % 8.24
    6.48
    		1.75 | 8.24 1 | 12 Very Good
    1Y SIP Return % -1.81
    -4.73
    		-9.71 | 9.70 3 | 14 Very Good
    3Y SIP Return % 6.79
    3.67
    		0.48 | 12.59 2 | 13 Very Good
    5Y SIP Return % 8.76
    7.78
    		4.34 | 21.30 3 | 13 Very Good
    7Y SIP Return % 8.65
    7.32
    		4.57 | 13.72 3 | 13 Very Good
    10Y SIP Return % 7.87
    6.37
    		2.94 | 8.88 2 | 12 Very Good
    Standard Deviation 2.83
    1.65
    		0.69 | 6.77 12 | 13 Average
    Semi Deviation 1.12
    0.77
    		0.39 | 2.09 12 | 13 Average
    Max Drawdown % 0.00
    -0.04
    		-0.36 | 0.00 10 | 13 Average
    VaR 1 Y % 0.00
    -0.02
    		-0.24 | 0.00 12 | 13 Average
    Average Drawdown % 0.00
    -0.03
    		-0.15 | 0.00 10 | 13 Average
    Sharpe Ratio 1.86
    1.80
    		0.13 | 3.22 8 | 13 Good
    Sterling Ratio 1.13
    0.84
    		0.58 | 1.46 2 | 13 Very Good
    Sortino Ratio 6.53
    2.68
    		0.08 | 6.53 1 | 13 Very Good
    Jensen Alpha % 7.39
    5.45
    		1.46 | 17.52 2 | 13 Very Good
    Treynor Ratio 0.14
    0.04
    		-0.24 | 0.14 1 | 13 Very Good
    Modigliani Square Measure % 4.82
    8.34
    		2.88 | 12.88 11 | 13 Average
    Alpha % 1.69
    -1.33
    		-3.77 | 3.28 2 | 13 Very Good
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.10 0.72 0.51 | 1.10 1 | 14
    3M Return % 2.88 3.02 1.49 | 13.04 2 | 14
    6M Return % 9.65 7.48 3.69 | 18.90 3 | 14
    1Y Return % 17.94 12.13 6.48 | 23.89 3 | 14
    3Y Return % 11.48 9.27 6.12 | 15.67 2 | 13
    5Y Return % 10.37 10.24 6.60 | 27.09 4 | 13
    7Y Return % 8.96 6.61 -1.24 | 9.00 2 | 13
    10Y Return % 9.22 7.34 1.99 | 9.22 1 | 12
    1Y SIP Return % -0.98 -4.02 -9.37 | 10.53 3 | 14
    3Y SIP Return % 7.76 4.50 0.84 | 13.48 2 | 13
    5Y SIP Return % 9.74 8.63 5.40 | 21.72 3 | 13
    7Y SIP Return % 9.61 8.15 5.32 | 14.05 3 | 13
    10Y SIP Return % 8.82 7.19 3.73 | 9.70 2 | 12
    Standard Deviation 2.83 1.65 0.69 | 6.77 12 | 13
    Semi Deviation 1.12 0.77 0.39 | 2.09 12 | 13
    Max Drawdown % 0.00 -0.04 -0.36 | 0.00 10 | 13
    VaR 1 Y % 0.00 -0.02 -0.24 | 0.00 12 | 13
    Average Drawdown % 0.00 -0.03 -0.15 | 0.00 10 | 13
    Sharpe Ratio 1.86 1.80 0.13 | 3.22 8 | 13
    Sterling Ratio 1.13 0.84 0.58 | 1.46 2 | 13
    Sortino Ratio 6.53 2.68 0.08 | 6.53 1 | 13
    Jensen Alpha % 7.39 5.45 1.46 | 17.52 2 | 13
    Treynor Ratio 0.14 0.04 -0.24 | 0.14 1 | 13
    Modigliani Square Measure % 4.82 8.34 2.88 | 12.88 11 | 13
    Alpha % 1.69 -1.33 -3.77 | 3.28 2 | 13
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Aditya Birla Sun Life Credit Risk Fund NAV Regular Growth Aditya Birla Sun Life Credit Risk Fund NAV Direct Growth
    18-07-2025 22.5289 24.6968
    17-07-2025 22.5162 24.6823
    16-07-2025 22.4929 24.6561
    15-07-2025 22.4863 24.6483
    14-07-2025 22.4797 24.6405
    11-07-2025 22.4677 24.6256
    10-07-2025 22.461 24.6176
    09-07-2025 22.4669 24.6236
    08-07-2025 22.4614 24.6169
    07-07-2025 22.4623 24.6173
    04-07-2025 22.433 24.5835
    03-07-2025 22.4241 24.5732
    02-07-2025 22.399 24.545
    01-07-2025 22.3879 24.5323
    30-06-2025 22.357 24.4979
    27-06-2025 22.3607 24.5002
    26-06-2025 22.3309 24.4669
    25-06-2025 22.332 24.4675
    24-06-2025 22.3234 24.4576
    23-06-2025 22.3109 24.4433
    20-06-2025 22.3023 24.4335
    19-06-2025 22.2977 24.4279
    18-06-2025 22.2982 24.4278

    Fund Launch Date: 30/Mar/2015
    Fund Category: Credit Risk Fund
    Investment Objective: The investment objective of the Scheme is 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. The Scheme does not guarantee/indicate any returns. There can be no assurance that the Schemes' objectives will be achieved.
    Fund Description: The fund, positioned in credit risk category, intends to invest in a portfolio of corporate bonds with 65% of investments in AA & below rated instruments.
    Fund Benchmark: CRISIL Composite AA Short Term Bond Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.