Previously Known As : Sbi Corporate Bond Fund
Sbi Credit Risk Fund Datagrid
Category Credit Risk Fund
BMSMONEY Rank 5
Rating
Growth Option 31-07-2026
NAV ₹49.32(R) -0.02% ₹53.63(D) -0.01%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.22% 7.83% 7.04% 7.29% 7.14%
Direct 7.91% 8.54% 7.73% 7.97% 7.87%
Benchmark
SIP (XIRR) Regular -7.67% 2.26% 5.86% 6.55% 6.27%
Direct -7.03% 2.96% 6.57% 7.25% 6.97%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.75 1.63 0.78 0.93% 0.06
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.11% 0.0% 0.0% 0.39 0.61%
Fund AUM As on: 30/12/2025 2188 Cr
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Nippon India Credit Risk Fund 2
ICICI Prudential Credit Risk Fund 3

NAV Date: 31-07-2026

Scheme Name NAV Rupee Change Percent Change
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 16.32
0.0000
-0.0200%
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 17.02
0.0000
-0.0100%
SBI Credit Risk Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 22.3
0.0000
-0.0200%
SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 24.96
0.0000
-0.0100%
SBI CREDIT RISK FUND - REGULAR PLAN - GROWTH 49.32
-0.0100
-0.0200%
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH 53.63
-0.0100
-0.0100%

Review Date: 31-07-2026

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 3 star rating shows an average past performance of the SBI Credit Risk Fund in Credit Risk Fund. The fund has a Jensen Alpha of 0.93% which is lower than the category average of 2.13%, showing poor performance. The fund has a Sharpe Ratio of 1.75 which is higher than the category average of 1.48.
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%, 2.99 and 4.91 in last one, three and six months respectively. In the same period the category average return was 0.49%, 2.52% and 4.93% respectively.
  • SBI Credit Risk Fund has given a return of 7.91% in last one year. In the same period the Credit Risk Fund category average return was 8.82%.
  • The fund has given a return of 8.54% in last three years and ranked 10.0th out of fourteen funds in the category. In the same period the Credit Risk Fund category average return was 9.83%.
  • The fund has given a return of 7.73% in last five years and ranked 10th out of thirteen funds in the category. In the same period the Credit Risk Fund category average return was 10.15%.
  • The fund has given a return of 7.87% in last ten years and ranked 7th out of twelve funds in the category. In the same period the category average return was 7.76%.
  • The fund has given a SIP return of -7.03% in last one year whereas category average SIP return is -6.41%. The fund one year return rank in the category is 6th in 14 funds
  • The fund has SIP return of 2.96% in last three years and ranks 9th in 14 funds. DSP Credit Risk Fund has given the highest SIP return (10.27%) in the category in last three years.
  • The fund has SIP return of 6.57% in last five years whereas category average SIP return is 7.98%.

SBI Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 1.11 and semi deviation of 0.61. The category average standard deviation is 2.4 and semi deviation is 1.03.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.03 and the maximum drawdown is -0.18. 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 % 0.49
    0.42
    		0.17 | 0.58 4 | 14 Very Good
    3M Return % 2.82
    2.32
    		1.48 | 2.85 2 | 14 Very Good
    6M Return % 4.57
    4.54
    		3.14 | 8.71 4 | 14 Very Good
    1Y Return % 7.22
    7.99
    		4.81 | 17.03 6 | 14 Good
    3Y Return % 7.83
    9.00
    		6.37 | 15.99 9 | 14 Average
    5Y Return % 7.04
    9.32
    		5.43 | 27.33 9 | 13 Average
    7Y Return % 7.29
    8.05
    		1.47 | 22.10 7 | 13 Good
    10Y Return % 7.14
    6.91
    		2.68 | 9.59 7 | 12 Average
    15Y Return % 8.14
    7.99
    		7.05 | 8.51 3 | 4 Average
    1Y SIP Return % -7.67
    -7.17
    		-10.03 | 1.93 5 | 14 Good
    3Y SIP Return % 2.26
    3.46
    		0.42 | 9.38 9 | 14 Average
    5Y SIP Return % 5.86
    7.13
    		4.07 | 15.12 8 | 13 Good
    7Y SIP Return % 6.55
    8.12
    		4.84 | 21.07 8 | 13 Good
    10Y SIP Return % 6.27
    6.97
    		3.38 | 14.38 7 | 12 Average
    15Y SIP Return % 6.76
    6.82
    		5.57 | 7.96 3 | 4 Average
    Standard Deviation 1.11
    2.41
    		0.86 | 7.39 4 | 14 Very Good
    Semi Deviation 0.61
    1.03
    		0.55 | 2.68 2 | 14 Very Good
    Max Drawdown % 0.00
    -0.19
    		-0.88 | 0.00 5 | 14 Good
    VaR 1 Y % 0.00
    -0.03
    		-0.36 | 0.00 11 | 14 Average
    Average Drawdown % 0.00
    0.14
    		0.00 | 0.48 14 | 14 Poor
    Sharpe Ratio 1.75
    1.48
    		0.47 | 2.29 6 | 14 Good
    Sterling Ratio 0.78
    0.89
    		0.63 | 1.48 9 | 14 Average
    Sortino Ratio 1.63
    1.91
    		0.24 | 5.25 7 | 14 Good
    Jensen Alpha % 0.93
    2.13
    		-0.69 | 8.65 8 | 14 Good
    Treynor Ratio 0.06
    0.75
    		-0.54 | 10.50 7 | 14 Good
    Modigliani Square Measure % 2.33
    1.98
    		0.63 | 3.06 6 | 14 Good
    Alpha % -0.55
    0.68
    		-2.02 | 6.22 11 | 14 Average
    Return data last Updated On : July 31, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.54 0.49 0.25 | 0.64 4 | 14 Very Good
    3M Return % 2.99 2.52 1.62 | 3.05 3 | 14 Very Good
    6M Return % 4.91 4.93 3.58 | 9.14 5 | 14 Good
    1Y Return % 7.91 8.82 5.87 | 17.55 8 | 14 Good
    3Y Return % 8.54 9.83 7.43 | 16.89 10 | 14 Average
    5Y Return % 7.73 10.15 6.46 | 27.76 10 | 13 Average
    7Y Return % 7.97 8.88 2.24 | 22.49 9 | 13 Average
    10Y Return % 7.87 7.76 3.56 | 9.89 7 | 12 Average
    1Y SIP Return % -7.03 -6.41 -9.06 | 2.45 6 | 14 Good
    3Y SIP Return % 2.96 4.28 1.48 | 10.27 9 | 14 Average
    5Y SIP Return % 6.57 7.98 5.15 | 15.57 8 | 13 Good
    7Y SIP Return % 7.25 8.97 5.90 | 21.51 9 | 13 Average
    10Y SIP Return % 6.97 7.78 4.14 | 14.72 6 | 12 Good
    Standard Deviation 1.11 2.41 0.86 | 7.39 4 | 14 Very Good
    Semi Deviation 0.61 1.03 0.55 | 2.68 2 | 14 Very Good
    Max Drawdown % 0.00 -0.19 -0.88 | 0.00 5 | 14 Good
    VaR 1 Y % 0.00 -0.03 -0.36 | 0.00 11 | 14 Average
    Average Drawdown % 0.00 0.14 0.00 | 0.48 14 | 14 Poor
    Sharpe Ratio 1.75 1.48 0.47 | 2.29 6 | 14 Good
    Sterling Ratio 0.78 0.89 0.63 | 1.48 9 | 14 Average
    Sortino Ratio 1.63 1.91 0.24 | 5.25 7 | 14 Good
    Jensen Alpha % 0.93 2.13 -0.69 | 8.65 8 | 14 Good
    Treynor Ratio 0.06 0.75 -0.54 | 10.50 7 | 14 Good
    Modigliani Square Measure % 2.33 1.98 0.63 | 3.06 6 | 14 Good
    Alpha % -0.55 0.68 -2.02 | 6.22 11 | 14 Average
    Return data last Updated On : July 31, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    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
    31-07-2026 49.3199 53.6344
    30-07-2026 49.3281 53.6422
    29-07-2026 49.3323 53.6458
    28-07-2026 49.3115 53.6223
    27-07-2026 49.303 53.6121
    24-07-2026 49.2139 53.5123
    23-07-2026 49.2088 53.5059
    22-07-2026 49.214 53.5105
    21-07-2026 49.2132 53.5087
    20-07-2026 49.189 53.4817
    17-07-2026 49.1944 53.4845
    16-07-2026 49.1779 53.4655
    15-07-2026 49.1186 53.4001
    14-07-2026 49.0982 53.377
    13-07-2026 49.1928 53.4789
    10-07-2026 49.1925 53.4757
    09-07-2026 49.1486 53.427
    08-07-2026 49.1185 53.3933
    07-07-2026 49.2097 53.4915
    06-07-2026 49.2253 53.5075
    03-07-2026 49.2457 53.5267
    02-07-2026 49.1642 53.4372
    01-07-2026 49.0886 53.3541
    30-06-2026 49.08 53.3438

    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.