Aditya Birla Sun Life Credit Risk Fund · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹25.4349
as of 29 Sept 2026
Expense Ratio
1.60%
AUM
₹1,337 Cr
Lumpsum returns (CAGR)
- 1Y
- +11.36%
- 3Y
- +12.09%
- 5Y
- +9.90%
- Since Inception
- +8.49%
SIP returns (XIRR)
- 1Y
- +10.02%
- 3Y
- +12.28%
- 5Y
- +11.22%
- Since Inception
- +8.97%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹9,63,195 today — ₹6,00,000 invested, 9.2% XIRR.
₹6,00,000
Invested
₹9,63,195
Value today
9.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,21,653 today (8.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹12,53,334.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,85,256 today (1.85×).
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, annualised1.57
Sharpe Ratio
—
Alpha
—
Beta
3.73
Sortino
3.00%
Std Dev
-0.43%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Realty1.27%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 18.73% Eris Lifesciences Ltd. (07/06/2027) **4.63%
- 2Jubilant Bevco Ltd. (31/05/2028) (Zcb) **4.54%
- 39.10% Sk Finance Ltd. (10/08/2029) **4.01%
- 48.45% Adani Airport Holdings Ltd. (12/02/2029) **3.71%
- 5Jtpm Metal Traders Ltd. (29/09/2028) (Zcb) **3.62%
- 65.00% Gmr Airports Ltd. (13/02/2027) **3.44%
- 77.46% Rec Ltd. (30/06/2028) **3.12%
- 86.66% Small Industries Development Bank Of India (25/10/2028) **3.06%
- 9Government Of India (11/05/2036)2.81%
- 107.79% Tata Capital Housing Finance Ltd. (18/06/2030) **2.78%
Investment objective — in the AMC’s words
The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade.
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 ₹1,337 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 1.60%.
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