SBI Credit Risk Fund · Regular · Growth
NAV
₹49.3199
as of 31 Jul 2026
Expense Ratio
1.56%
AUM
₹2,138 Cr
Lumpsum returns (CAGR)
- 1Y
- +7.22%
- 3Y
- +7.82%
- 5Y
- +7.05%
- Since Inception
- +5.93%
SIP returns (XIRR)
- 1Y
- +8.12%
- 3Y
- +7.96%
- 5Y
- +7.70%
- Since Inception
- +7.16%
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 (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 ₹8,58,687 today — ₹5,95,000 invested, 7.2% XIRR.
₹5,95,000
Invested
₹8,58,687
Value today
7.2%
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 ₹1,99,400 today (7.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹11,35,317.
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 ₹1,58,440 today (1.58×).
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, annualised1.40
Sharpe Ratio
—
Alpha
—
Beta
1.54
Sortino
1.12%
Std Dev
-0.37%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Lodha Developers Ltd.4.61%
- 2Tata Projects Ltd.4.61%
- 3Renew Solar Energy (Jharkhand Five) Pvt. Ltd.4.61%
- 4H.G. Infra Engineering Ltd.4.57%
- 5Nj Capital Pvt. Ltd.4.56%
- 66.68% Cgl 20404.48%
- 7Jtpm Metal Traders Ltd.4.44%
- 8Renserv Global Pvt Ltd.3.68%
- 9Jsw Kalinga Steel Ltd.3.54%
- 10Kotak Mahindra Prime Ltd.3.48%
Investment Objective
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 ₹2,138 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 1.56%.
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