Previously Known As : Sbi Corporate Bond Fund
Sbi Credit Risk Fund Overview
Category Credit Risk Fund
BMSMONEY Rank 7
Rating
Growth Option 23-06-2025
NAV ₹45.64(R) +0.07% ₹49.28(D) +0.07%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 8.67% 8.11% 7.18% 7.21% 7.47%
Direct 9.39% 8.81% 7.87% 7.9% 8.2%
Benchmark
SIP (XIRR) Regular 9.16% 4.5% 6.22% 6.75% 6.98%
Direct 9.88% 5.18% 6.91% 7.44% 7.69%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.77 2.84 0.8 3.56% 0.05
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.21% 0.0% 0.0% 0.44 0.54%
Fund AUM As on: 31/03/2025 2264 Cr
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Dsp Credit Risk Fund 2
Invesco India Credit Risk Fund 3

NAV Date: 23-06-2025

Scheme Name NAV Rupee Change Percent Change
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 15.11
0.0100
0.0700%
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 15.64
0.0100
0.0700%
SBI Credit Risk Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 20.63
0.0100
0.0700%
SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 22.93
0.0200
0.0700%
SBI CREDIT RISK FUND - REGULAR PLAN - GROWTH 45.64
0.0300
0.0700%
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH 49.28
0.0400
0.0700%

Review Date: 23-06-2025

Beginning of Analysis

In the Credit Risk Fund category, Sbi Credit Risk Fund is the 7th ranked fund. The category has total 13 funds. The Sbi Credit Risk Fund has shown an average past performence in Credit Risk Fund. The fund has a Jensen Alpha of 3.56% which is lower than the category average of 4.78%, showing poor performance. The fund has a Sharpe Ratio of 1.77 which is higher than the category average of 1.68.
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.

Sbi Credit Risk Fund Return Analysis

  • The fund has given a return of 0.54%, 2.86 and 5.07 in last one, three and six months respectively. In the same period the category average return was 0.46%, 3.74% and 7.33% respectively.
  • Sbi Credit Risk Fund has given a return of 9.39% in last one year. In the same period the Credit Risk Fund category average return was 12.0%.
  • The fund has given a return of 8.81% in last three years and ranked 6.0th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 9.32%.
  • The fund has given a return of 7.87% in last five years and ranked 11th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 10.23%.
  • The fund has given a return of 8.2% in last ten years and ranked 6th 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 9.88% in last one year whereas category average SIP return is 13.53%. The fund one year return rank in the category is 9th in 14 funds
  • The fund has SIP return of 5.18% in last three years and ranks 7th in 13 funds. Dsp Credit Risk Fund has given the highest SIP return (15.24%) in the category in last three years.
  • The fund has SIP return of 6.91% in last five years whereas category average SIP return is 9.16%.

Sbi Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 1.21 and semi deviation of 0.54. The category average standard deviation is 1.66 and semi deviation is 0.78.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.04 and the maximum drawdown is -0.04. The fund has a beta of 0.44 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 % 0.48
    0.40
    		0.03 | 1.10 4 | 14 Very Good
    3M Return % 2.69
    3.54
    		2.03 | 13.81 9 | 14 Average
    6M Return % 4.72
    6.93
    		3.29 | 18.47 9 | 14 Average
    1Y Return % 8.67
    11.14
    		5.80 | 22.97 10 | 14 Average
    3Y Return % 8.11
    8.48
    		5.86 | 14.80 5 | 13 Good
    5Y Return % 7.18
    9.39
    		5.71 | 26.83 9 | 13 Average
    7Y Return % 7.21
    5.77
    		-1.48 | 8.14 6 | 13 Good
    10Y Return % 7.47
    6.48
    		1.77 | 8.20 6 | 12 Good
    15Y Return % 8.18
    7.81
    		6.92 | 8.32 2 | 3 Good
    1Y SIP Return % 9.16
    12.67
    		6.43 | 31.10 9 | 14 Average
    3Y SIP Return % 4.50
    5.30
    		2.22 | 14.37 6 | 13 Good
    5Y SIP Return % 6.22
    8.32
    		4.88 | 22.39 9 | 13 Average
    7Y SIP Return % 6.75
    7.49
    		4.62 | 13.75 7 | 13 Good
    10Y SIP Return % 6.98
    6.82
    		3.29 | 9.36 7 | 12 Average
    15Y SIP Return % 7.50
    7.45
    		6.32 | 8.52 2 | 3 Good
    Standard Deviation 1.21
    1.66
    		0.71 | 6.75 9 | 13 Average
    Semi Deviation 0.54
    0.78
    		0.39 | 2.09 5 | 13 Good
    Max Drawdown % 0.00
    -0.04
    		-0.36 | 0.00 10 | 13 Average
    VaR 1 Y % 0.00
    -0.04
    		-0.55 | 0.00 12 | 13 Average
    Average Drawdown % 0.00
    -0.03
    		-0.15 | 0.00 10 | 13 Average
    Sharpe Ratio 1.77
    1.68
    		0.03 | 3.00 7 | 13 Good
    Sterling Ratio 0.80
    0.84
    		0.58 | 1.46 5 | 13 Good
    Sortino Ratio 2.84
    2.29
    		0.02 | 6.00 5 | 13 Good
    Jensen Alpha % 3.56
    4.78
    		0.57 | 14.55 9 | 13 Average
    Treynor Ratio 0.05
    -0.18
    		-2.97 | 0.13 6 | 13 Good
    Modigliani Square Measure % 7.20
    7.73
    		2.75 | 11.77 9 | 13 Average
    Alpha % -1.54
    -1.10
    		-3.78 | 5.85 5 | 13 Good
    Return data last Updated On : June 23, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : May 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.54 0.46 0.12 | 1.16 4 | 14
    3M Return % 2.86 3.74 2.13 | 14.03 10 | 14
    6M Return % 5.07 7.33 3.49 | 18.92 10 | 14
    1Y Return % 9.39 12.00 6.20 | 23.90 10 | 14
    3Y Return % 8.81 9.32 6.18 | 15.71 6 | 13
    5Y Return % 7.87 10.23 6.74 | 27.21 11 | 13
    7Y Return % 7.90 6.60 -1.20 | 9.01 6 | 13
    10Y Return % 8.20 7.34 2.01 | 9.18 6 | 12
    1Y SIP Return % 9.88 13.53 6.83 | 32.13 9 | 14
    3Y SIP Return % 5.18 6.11 2.56 | 15.24 7 | 13
    5Y SIP Return % 6.91 9.16 5.91 | 22.80 9 | 13
    7Y SIP Return % 7.44 8.31 5.37 | 14.08 8 | 13
    10Y SIP Return % 7.69 7.64 4.09 | 10.18 6 | 12
    Standard Deviation 1.21 1.66 0.71 | 6.75 9 | 13
    Semi Deviation 0.54 0.78 0.39 | 2.09 5 | 13
    Max Drawdown % 0.00 -0.04 -0.36 | 0.00 10 | 13
    VaR 1 Y % 0.00 -0.04 -0.55 | 0.00 12 | 13
    Average Drawdown % 0.00 -0.03 -0.15 | 0.00 10 | 13
    Sharpe Ratio 1.77 1.68 0.03 | 3.00 7 | 13
    Sterling Ratio 0.80 0.84 0.58 | 1.46 5 | 13
    Sortino Ratio 2.84 2.29 0.02 | 6.00 5 | 13
    Jensen Alpha % 3.56 4.78 0.57 | 14.55 9 | 13
    Treynor Ratio 0.05 -0.18 -2.97 | 0.13 6 | 13
    Modigliani Square Measure % 7.20 7.73 2.75 | 11.77 9 | 13
    Alpha % -1.54 -1.10 -3.78 | 5.85 5 | 13
    Return data last Updated On : June 23, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : May 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 Sbi Credit Risk Fund NAV Regular Growth Sbi Credit Risk Fund NAV Direct Growth
    23-06-2025 45.6384 49.2768
    20-06-2025 45.6075 49.2407
    19-06-2025 45.6185 49.2517
    18-06-2025 45.637 49.2708
    17-06-2025 45.6268 49.2589
    16-06-2025 45.6073 49.237
    13-06-2025 45.5599 49.1832
    12-06-2025 45.5683 49.1913
    11-06-2025 45.5798 49.2028
    10-06-2025 45.6063 49.2306
    09-06-2025 45.6418 49.268
    06-06-2025 45.6812 49.3078
    05-06-2025 45.6249 49.2462
    04-06-2025 45.5423 49.1561
    03-06-2025 45.5309 49.143
    02-06-2025 45.5185 49.1286
    30-05-2025 45.4594 49.0622
    29-05-2025 45.4751 49.0783
    28-05-2025 45.4716 49.0736
    27-05-2025 45.4527 49.0523
    26-05-2025 45.4453 49.0435
    23-05-2025 45.4199 49.0134

    Fund Launch Date: 05/Jul/2004
    Fund Category: Credit Risk Fund
    Investment Objective: 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.
    Fund Description: An open-ended Debt Scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds).
    Fund Benchmark: CRISIL Credit Risk Index
    Source: Fund FactSheet

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