Previously Known As : Sbi Corporate Bond Fund
Sbi Credit Risk Fund Datagrid
Category Credit Risk Fund
BMSMONEY Rank 8
Rating
Growth Option 04-12-2025
NAV ₹46.98(R) +0.04% ₹50.87(D) +0.04%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 8.03% 8.14% 6.72% 7.16% 7.33%
Direct 8.74% 8.84% 7.4% 7.84% 8.06%
Benchmark
SIP (XIRR) Regular 7.54% 8.02% 6.74% 6.96% 7.03%
Direct 8.24% 8.72% 7.43% 7.64% 7.73%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.92 2.93 0.82 4.31% 0.06
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.21% 0.0% 0.0% 0.39 0.54%
Fund AUM As on: 30/06/2025 2246 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: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 15.55
0.0100
0.0400%
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) 16.14
0.0100
0.0400%
SBI Credit Risk Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 21.24
0.0100
0.0400%
SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 23.67
0.0100
0.0400%
SBI CREDIT RISK FUND - REGULAR PLAN - GROWTH 46.98
0.0200
0.0400%
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH 50.87
0.0200
0.0400%

Review Date: 04-12-2025

Beginning of Analysis

Sbi Credit Risk Fund is the 7th ranked fund in the Credit Risk Fund category. 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 4.31% which is lower than the category average of 6.03%, showing poor performance. The fund has a Sharpe Ratio of 1.92 which is lower than the category average of 1.97.
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 0.52%, 1.93 and 3.49 in last one, three and six months respectively. In the same period the category average return was 0.62%, 2.17% and 3.62% respectively.
  • Sbi Credit Risk Fund has given a return of 8.74% in last one year. In the same period the Credit Risk Fund category average return was 11.22%.
  • The fund has given a return of 8.84% in last three years and ranked 7.0th out of 14 funds in the category. In the same period the Credit Risk Fund category average return was 9.56%.
  • The fund has given a return of 7.4% in last five years and ranked 10th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 9.98%.
  • The fund has given a return of 8.06% in last ten years and ranked 7th out of 12 funds in the category. In the same period the category average return was 7.84%.
  • The fund has given a SIP return of 8.24% in last one year whereas category average SIP return is 10.13%. The fund one year return rank in the category is 11th in 14 funds
  • The fund has SIP return of 8.72% in last three years and ranks 10th in 14 funds. Dsp Credit Risk Fund has given the highest SIP return (16.77%) in the category in last three years.
  • The fund has SIP return of 7.43% in last five years whereas category average SIP return is 9.21%.

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 1.61 and semi deviation is 0.75.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.0 and the maximum drawdown is -0.05. 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 % 0.47
    0.55
    		0.40 | 0.94 9 | 14 Average
    3M Return % 1.77
    1.97
    		1.40 | 2.81 9 | 14 Average
    6M Return % 3.16
    3.22
    		1.88 | 4.49 8 | 14 Good
    1Y Return % 8.03
    10.38
    		6.34 | 21.14 10 | 14 Average
    3Y Return % 8.14
    8.71
    		6.03 | 14.73 7 | 14 Good
    5Y Return % 6.72
    9.14
    		5.33 | 25.91 10 | 13 Average
    7Y Return % 7.16
    6.76
    		1.05 | 9.98 7 | 13 Good
    10Y Return % 7.33
    6.99
    		2.93 | 8.88 7 | 12 Average
    15Y Return % 8.20
    7.97
    		7.07 | 8.31 3 | 4 Average
    1Y SIP Return % 7.54
    9.29
    		5.63 | 16.84 11 | 14 Average
    3Y SIP Return % 8.02
    9.23
    		6.17 | 15.87 10 | 14 Average
    5Y SIP Return % 6.74
    8.38
    		5.30 | 17.87 10 | 13 Average
    7Y SIP Return % 6.96
    8.23
    		5.54 | 18.98 8 | 13 Good
    10Y SIP Return % 7.03
    7.46
    		3.70 | 13.19 7 | 12 Average
    15Y SIP Return % 7.43
    7.40
    		6.38 | 8.38 2 | 3 Good
    Standard Deviation 1.21
    1.61
    		0.68 | 6.76 9 | 13 Average
    Semi Deviation 0.54
    0.75
    		0.35 | 2.07 6 | 13 Good
    Max Drawdown % 0.00
    -0.05
    		-0.36 | 0.00 9 | 13 Average
    VaR 1 Y % 0.00
    0.00
    		-0.03 | 0.00 12 | 13 Average
    Average Drawdown % 0.00
    -0.03
    		-0.17 | 0.00 9 | 13 Average
    Sharpe Ratio 1.92
    1.97
    		0.42 | 3.58 8 | 13 Good
    Sterling Ratio 0.82
    0.85
    		0.61 | 1.48 6 | 13 Good
    Sortino Ratio 2.93
    3.23
    		0.33 | 7.31 6 | 13 Good
    Jensen Alpha % 4.31
    6.03
    		2.93 | 17.13 10 | 13 Average
    Treynor Ratio 0.06
    0.08
    		-0.27 | 0.62 7 | 13 Good
    Modigliani Square Measure % 7.56
    8.44
    		2.83 | 12.73 9 | 13 Average
    Alpha % -1.24
    -0.93
    		-3.24 | 3.69 6 | 13 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.52 0.62 0.47 | 1.00 10 | 14 Average
    3M Return % 1.93 2.17 1.61 | 2.97 11 | 14 Average
    6M Return % 3.49 3.62 2.40 | 4.94 8 | 14 Good
    1Y Return % 8.74 11.22 6.80 | 22.09 10 | 14 Average
    3Y Return % 8.84 9.56 6.38 | 15.65 7 | 14 Good
    5Y Return % 7.40 9.98 6.36 | 26.30 10 | 13 Average
    7Y Return % 7.84 7.59 1.84 | 10.30 7 | 13 Good
    10Y Return % 8.06 7.84 3.84 | 9.18 7 | 12 Average
    1Y SIP Return % 8.24 10.13 6.70 | 17.69 11 | 14 Average
    3Y SIP Return % 8.72 10.07 6.55 | 16.77 10 | 14 Average
    5Y SIP Return % 7.43 9.21 6.33 | 18.28 10 | 13 Average
    7Y SIP Return % 7.64 9.05 6.28 | 19.36 9 | 13 Average
    10Y SIP Return % 7.73 8.27 4.48 | 13.50 7 | 12 Average
    Standard Deviation 1.21 1.61 0.68 | 6.76 9 | 13 Average
    Semi Deviation 0.54 0.75 0.35 | 2.07 6 | 13 Good
    Max Drawdown % 0.00 -0.05 -0.36 | 0.00 9 | 13 Average
    VaR 1 Y % 0.00 0.00 -0.03 | 0.00 12 | 13 Average
    Average Drawdown % 0.00 -0.03 -0.17 | 0.00 9 | 13 Average
    Sharpe Ratio 1.92 1.97 0.42 | 3.58 8 | 13 Good
    Sterling Ratio 0.82 0.85 0.61 | 1.48 6 | 13 Good
    Sortino Ratio 2.93 3.23 0.33 | 7.31 6 | 13 Good
    Jensen Alpha % 4.31 6.03 2.93 | 17.13 10 | 13 Average
    Treynor Ratio 0.06 0.08 -0.27 | 0.62 7 | 13 Good
    Modigliani Square Measure % 7.56 8.44 2.83 | 12.73 9 | 13 Average
    Alpha % -1.24 -0.93 -3.24 | 3.69 6 | 13 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 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
    04-12-2025 46.9806 50.8719
    03-12-2025 46.9728 50.8625
    02-12-2025 46.9639 50.852
    01-12-2025 46.944 50.8296
    28-11-2025 46.9562 50.84
    27-11-2025 46.9954 50.8815
    26-11-2025 46.9935 50.8786
    25-11-2025 46.9526 50.8334
    24-11-2025 46.9283 50.8061
    21-11-2025 46.887 50.759
    20-11-2025 46.8957 50.7675
    19-11-2025 46.9375 50.8119
    18-11-2025 46.9273 50.8001
    17-11-2025 46.8438 50.7088
    14-11-2025 46.826 50.687
    13-11-2025 46.8393 50.7005
    12-11-2025 46.8471 50.7082
    11-11-2025 46.8492 50.7096
    10-11-2025 46.8195 50.6766
    07-11-2025 46.7939 50.6463
    06-11-2025 46.7932 50.6448
    04-11-2025 46.7601 50.6073

    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.