HealthyDirect · GrowthFit for a long SIP
Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Mutual FundDebt Scheme - Credit Risk Fund11.5 years
- NAV
- 28.1299
- 29 Oct 2026
- 1Y
- +11.0%
- Trailing CAGR
- AUM
- ₹1,657.06 Cr
- 30 Sept 2026
- Volatility
- Low
- 2.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 70% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
11.5 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.81% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.9%. Ask whether you can hold through a similar fall.
Vs category
Pass
70% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 44.6% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+11.0%
- 3Y+12.8%
- 5Y+10.8%
- 10Y+9.2%
- SI+9.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+8.6%
- 3Y+12.5%
- 5Y+11.9%
- 10Y+10.0%
- Since inception
- +9.4%
- Calendar-day CAGR
- Excess 1Y
- +2.4%
- Category median, same plan and option
- 3Y win rate
- +70%
- Windows beating the median
- 3Y percentile
- 83
- Vs comparable share classes
- SIP 3Y XIRR
- +12.5%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.3%
- 2065 daily-ending windows
- Median rolling 3Y
- +8.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1586 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.9%
- Worst peak-to-trough
- Current
- -0.3%
- Below last peak
- Current spell
- 22 days
- Days below latest peak
- Time below peak
- +41%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 285 recovered episodes
- Longest recovery
- 218 days
- Trough to prior peak
3 Oct 2019 – 30 Jun 2020
Trough 25 Nov 2019 · recovered in 218 days
-3.9%
6 Dec 2016 – 9 Jan 2017
Trough 28 Dec 2016 · recovered in 12 days
-1.1%
7 Feb 2017 – 16 Mar 2017
Trough 9 Feb 2017 · recovered in 35 days
-0.8%
2 May 2022 – 27 Jun 2022
Trough 6 May 2022 · recovered in 52 days
-0.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
83
Vs category
65
Consistency
70
Risk-adjusted
90
Drawdown
90
Mean
80
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 70% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 56 holdings · top 10 are 44.6%.
- Top 5
- 28.5%
- Top 10
- 44.6%
- Largest holding
- 10.2%
- Effective holdings
- 30.2
Repo
Unspecified
10.2%
SK FINANCE LIMITED 9.1 NCD 10AG29 FVRS1LAC
Financial
5.5%
ERIS LIFESCIENCES LIMITED STRPP II 8.73 NCD 07JU27 FVRS1LAC
Healthcare
4.5%
JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC
Consumer Staples
4.4%
JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC
Materials
3.8%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BANDHAN CREDIT RISK FUND
Bandhan Mutual Fund
- 1Y
- +5.0%
- 3Y
- +7.1%
- Vol
- 1.5%
- Max DD
- -2.6%
- Sharpe
- 0.66
- 3Y win
- +34%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
ICICI Prudential Credit Risk Fund
ICICI Prudential Mutual Fund
- 1Y
- +6.6%
- 3Y
- +8.8%
- Vol
- 1.4%
- Max DD
- -2.9%
- Sharpe
- 2.01
- 3Y win
- +53%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Kotak Credit Risk Fund
Kotak Mahindra Mutual Fund
- 1Y
- +5.7%
- 3Y
- +8.3%
- Vol
- 1.8%
- Max DD
- -3.9%
- Sharpe
- 1.23
- 3Y win
- +54%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
SBI CREDIT RISK FUND
SBI Mutual Fund
- 1Y
- +7.0%
- 3Y
- +8.3%
- Vol
- 1.3%
- Max DD
- -2.3%
- Sharpe
- 2.07
- 3Y win
- +52%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
DSP Credit Risk Fund
DSP Mutual Fund
- 1Y
- +10.3%
- 3Y
- +13.7%
- Vol
- 4.5%
- Max DD
- -6.0%
- Sharpe
- 0.74
- 3Y win
- +42%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown