SBI Credit Risk Fund · Regular · Growth
NAV
₹49.7873
as of 30 Sept 2026
Expense Ratio
1.54%
AUM
₹2,145 Cr
Lumpsum returns (CAGR)
- 1Y
- +7.31%
- 3Y
- +7.80%
- 5Y
- +7.01%
- Since Inception
- +5.93%
SIP returns (XIRR)
- 1Y
- +7.68%
- 3Y
- +7.76%
- 5Y
- +7.63%
- Since Inception
- +7.15%
Returns calculated from 08 December 2000 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Oct 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,57,069 today — ₹5,95,000 invested, 7.2% XIRR.
₹5,95,000
Invested
₹8,57,069
Value today
7.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,97,493 today (7.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2016 would still hold ₹11,17,866.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Oct 2016 – Sept 2026) (22 Mar 2020) would be ₹1,59,941 today (1.60×).
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, annualised0.81
Sharpe Ratio
—
Alpha
—
Beta
0.84
Sortino
1.14%
Std Dev
-0.37%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Lodha Developers Ltd.4.58%
- 2Renew Solar Energy (Jharkhand Five) Pvt. Ltd.4.58%
- 3Nj Capital Pvt. Ltd.4.54%
- 4Tata Projects Ltd.4.54%
- 5H.G. Infra Engineering Ltd.4.52%
- 6Jtpm Metal Traders Ltd.4.44%
- 7Renserv Global Pvt Ltd.3.66%
- 8Jsw Kalinga Steel Ltd.3.55%
- 9Aditya Birla Renewables Ltd.3.44%
- 10Motilal Oswal Home Finance Ltd.3.44%
What this fund does
SBI Credit Risk Fund · Regular · Growth by SBI 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
SBI Credit Risk Fund · Regular · Growth is a Credit Risk mutual fund offered by SBI Mutual Fund. The fund has been operational for over 27 years. It manages assets worth ₹2,145 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY CREDIT RISK BOND INDEX B-II. The current expense ratio is 1.54%.