Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth
Aditya Birla Sun Life Mutual Fund
₹24.6672
₹0.01 (+0.04%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹24.6672
₹0.01 (+0.04%)
29 May 2026
AMFI: 134383
Direct · Growth
₹₹27.2420
₹0.01 (+0.04%)
29 May 2026
AMFI: 134387
Regular · IDCW
₹₹12.8920
₹0.01 (+0.04%)
29 May 2026
AMFI: 134386
Direct · IDCW
₹₹14.2503
₹0.01 (+0.04%)
29 May 2026
AMFI: 134385
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹100/month became
Real NAV backtest from day one
₹13,300
Invested
₹22,265
Value today
8.9%
XIRR (p.a.)
₹100/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹100 lumpsum at launch — value today
Invested on the fund's first NAV date
₹100
Invested
₹247
Value today
8.5%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹6,65,000
Withdrawn
₹13,53,475
Corpus left
+₹10,18,475 net gain — withdrew ₹6,65,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,79,664
Value today
1.8×
Multiple
Staying invested through that crash turned ₹1L into ₹1,79,664 — a 1.8× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹1,02,148
Regular plan
₹97,148
Direct earns ₹5,000 more on a ₹60K investment — 0.83% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised1.63
Sharpe Ratio
—
Alpha
—
Beta
5.76
Sortino
4.18%
Std Dev
-0.43%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
India Grid Trust INE219X23014 | 2.44% |
INDUS INFRA TRUST INE0NHL23019 | 1.88% |
NEXUS SELECT TRUST INE0NDH25011 | 1.55% |
EMBASSY OFFICE PARKS REIT INE041025011 | 1.37% |
IRB InvIT Fund INE183W23014 | 0.48% |
Raajmarg Infra Investment Trust INE2PB023011 | 0.47% |
| Security | % NAV |
|---|---|
Government of India (06/10/2035) IN0020250091 | 3.36% |
State Government Securities (20/07/2035) IN4520220091 | 2.16% |
State Government Securities (04/10/2035) IN1020220530 | 2.13% |
Government of India (07/07/2040) IN0020250042 | 1.58% |
Government of India (08/04/2034) IN0020240019 | 0.85% |
State Government Securities (18/03/2035) IN3120250847 | 0.19% |
State Government Securities (18/03/2036) IN2920250411 | 0.12% |
| Security | % NAV |
|---|---|
SBI - Corporate Debt Market Development Fund - A2 Units INF0RQ622028 | 0.30% |
| Security | % NAV |
|---|---|
5.00% GMR Airport Ltd (13/02/2027) ** INE776C08083 | 4.57% |
8.10% Aditya Birla Real Estate Ltd. (25/04/2026) ** INE055A08037 | 3.82% |
Jubilant Bevco Ltd (31/05/2028) (ZCB) ** INE1D4P08019 | 3.68% |
9.40% IKF Finance Ltd (12/08/2027) ** INE859C07246 | 2.95% |
9.25% Hinduja Leyland Finance Limited (09/07/2031) ** INE146O08399 | 2.91% |
6.66% National Bank For Agriculture and Rural Development (12/10/2028) ** INE261F08EP4 | 2.91% |
9.50% Kogta Financial India Ltd (30/10/2027) ** INE192U07376 | 2.72% |
10.96% Gaursons India Pvt Ltd (26/12/2028) ** INE1BEC08019 | 2.69% |
9.40% Vedanta Limited (20/02/2027) ** INE205A08038 | 2.55% |
8.32% Hero Housing Finance Ltd (30/08/2027) ** INE800X07097 | 2.54% |
8.40% Narayana Hrudayalaya Limited (15/02/2030) ** INE410P08024 | 2.54% |
8.75% JSW Energy Limited (20/03/2028) ** INE121E08047 | 2.54% |
8.50% Security and Intelligence Services (India) Limited (26/03/2028) ** INE285J07058 | 2.54% |
Jtpm Metal Traders Pvt Ltd (29/09/2028) (ZCB) ** INE02PE08036 | 2.53% |
9.90% Oxyzo Financial Services Pvt Ltd (13/03/2029) ** INE04VS07495 | 2.52% |
8.00% Adani Power Limited (27/01/2028) ** INE814H07190 | 2.47% |
8.85% Hinduja Housing Finance Ltd (01/02/2027) ** INE401Y07027 | 2.46% |
9.25% Sk Finance Ltd (09/05/2027) ** INE124N07697 | 2.29% |
9.5221% Avanse Financial Services Ltd (29/06/2026) ** INE087P07329 | 2.12% |
7.48% National Bank For Agriculture and Rural Development (15/09/2028) INE261F08EO7 | 2.12% |
7.27% National Bank For Agriculture and Rural Development (23/02/2029) ** INE261F08ER0 | 2.11% |
7.02% Bajaj Housing Finance Limited (26/05/2028) ** INE377Y07565 | 2.09% |
7.25% Indian Railway Finance Corporation Limited (17/01/2035) ** INE053F08460 | 2.06% |
9.75% Nuvama Wealth Finance Ltd (16/04/2027) ** INE918K07PW3 | 1.88% |
9.60% Avanse Financial Services Ltd (30/04/2027) ** INE087P07451 | 1.69% |
8.05% JSW Energy Limited (10/11/2028) ** INE121E08070 | 1.66% |
6.487965% Adani Airport Holdings Ltd (08/09/2028) ** INE0GCN07047 | 1.61% |
8.35% Tata Projects Limited (22/07/2027) ** INE725H08204 | 1.28% |
5.00% GMR Airport Ltd (13/08/2028) ** INE776C08075 | 1.15% |
8.73% Eris Lifesciences Limited (07/12/2026) ** INE406M08011 | 1.15% |
8.73% Eris Lifesciences Limited (07/06/2027) ** INE406M08029 | 1.15% |
7.15% National Bank for Financing Infrastructure and Dev (28/03/2035) ** INE0KUG08068 | 1.06% |
8.95% Vedanta Limited (16/03/2029) ** INE205A08095 | 0.85% |
8.20% Adani Power Limited (25/01/2029) ** INE814H07208 | 0.84% |
6.59% Power Finance Corporation Limited (15/10/2030) ** INE134E08NU7 | 0.82% |
8.67% Power Finance Corporation Limited (18/11/2028) ** INE134E08JR1 | 0.10% |
Performance Comparison
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Investment Objective
Aditya Birla Sun Life Credit Risk Fund - Regular Plan - 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 Plan - 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 ₹1,155 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