Aditya Birla Sun Life Credit Risk Fund · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹25.2587
as of 31 Jul 2026
Expense Ratio
1.66%
AUM
₹1,331 Cr
Lumpsum returns (CAGR)
- 1Y
- +11.87%
- 3Y
- +12.18%
- 5Y
- +9.98%
- Since Inception
- +8.55%
SIP returns (XIRR)
- 1Y
- +12.12%
- 3Y
- +13.05%
- 5Y
- +11.53%
- Since Inception
- +9.09%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹9,57,661 today — ₹5,95,000 invested, 9.3% XIRR.
₹5,95,000
Invested
₹9,57,661
Value today
9.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,24,462 today (8.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹12,86,958.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,83,973 today (1.84×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised1.83
Sharpe Ratio
—
Alpha
—
Beta
6.29
Sortino
4.19%
Std Dev
-0.43%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW
- 17.48% National Bank For Agriculture And Rural Development (15/09/2028)5.16%
- 2Jubilant Bevco Ltd (31/05/2028) (Zcb) **4.94%
- 3Government Of India (07/07/2040)4.33%
- 4Jtpm Metal Traders Pvt Ltd (29/09/2028) (Zcb) **3.94%
- 55.00% Gmr Airport Ltd (13/02/2027) **3.74%
- 66.66% Small Industries Development Bank Of India (25/10/2028)3.38%
- 77.79% Tata Capital Housing Finance Limited (18/06/2030) **3.07%
- 8Government Of India (06/10/2035)3.04%
- 9Indus Infra Trust2.49%
- 109.25% Hinduja Leyland Finance Limited (09/07/2031)2.40%
Investment Objective
Aditya Birla Sun Life Credit Risk Fund · Regular · Growth by Aditya Birla Sun Life Mutual Fund is a Credit Risk fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Credit Risk category.
About This Fund
Aditya Birla Sun Life Credit Risk Fund · Regular · Growth is a Credit Risk mutual fund offered by Aditya Birla Sun Life Mutual Fund. The fund has been operational for over 11 years. It manages assets worth ₹1,331 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Credit Risk Debt B-II Index. The current expense ratio is 1.66%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations