ReviewDirect · Growth
SBI CREDIT RISK FUND
SBI Mutual FundDebt Scheme - Credit Risk Fund13.7 years
The scheme seeks to provide the investors an opportunity to predominantly invest in corporate bonds rated AA and below(excluding AA+ rated corporate bonds) so as to generate attractive returns while maintaining moderate liquidity in the portfolio through investment in money market securities.
- NAV
- 54.1575
- 15 Sept 2026
- 1Y
- +8.3%
- Trailing CAGR
- AUM
- ₹2,185.54 Cr
- 31 Aug 2026
- Volatility
- Low
- 1.3% annualized
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+8.3%
- 3Y+8.6%
- 5Y+7.7%
- 10Y+7.8%
- SI+8.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+8.9%
- 3Y+8.6%
- 5Y+8.4%
- 10Y+7.9%
- Since inception
- +8.6%
- Calendar-day CAGR
- Excess 1Y
- -3.7%
- Category median, same plan and option
- 3Y win rate
- +52%
- Windows beating the median
- 3Y percentile
- 17
- Vs comparable share classes
- Worst rolling 3Y
- +6.4%
- 2598 daily-ending windows
- Median rolling 3Y
- +8.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2114 daily-ending windows
- SIP 3Y XIRR
- +8.6%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 327 recovered episodes
- Longest recovery
- 56 days
- Trough to prior peak
- Current spell
- 6 days
- Days below latest peak
- Time below peak
- +33%
- NAV observations
6 Mar 2020 – 23 Apr 2020
Trough 24 Mar 2020 · recovered in 30 days
-2.3%
23 Apr 2020 – 21 May 2020
Trough 28 Apr 2020 · recovered in 23 days
-1.4%
2 Apr 2019 – 3 Jun 2019
Trough 3 May 2019 · recovered in 31 days
-1.4%
28 Nov 2019 – 6 Jan 2020
Trough 13 Dec 2019 · recovered in 24 days
-0.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
17
Vs category
27
Consistency
48
Risk-adjusted
100
Drawdown
94
Mean
57
Portfolio
31 Aug 2026 · 46 holdings · top 10 are 41.4%.
- Top 5
- 22.8%
- Top 10
- 41.4%
- Largest holding
- 4.6%
- Effective holdings
- 33.5
RENEW SOLAR ENERGY (JHARKHAND FIVE) PRIVATE LIMITED 8.44 NCD 31AG29 FVRS1LAC
Unspecified
4.6%
LODHA DEVELOPERS LIMITED 7.87 NCD 15SP29 FVRS1LAC
Real Estate
4.6%
NJ CAPITAL PRIVATE LIMITED SR A TR 1 9.8 NCD 25JL28 FVRS1LAC
Financial
4.5%
Tata Projects Ltd.
Industrials
4.5%
H.G. INFRA ENGINEERING LIMITED 8.55 NCD 29AG28 FVRS1LAC
Industrials
4.5%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
11 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
10 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Review
Engine status
Review
Closer look
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +12.8%
- 3Y
- +13.2%
- Vol
- 2.6%
- Max DD
- -3.9%
- Sharpe
- 1.59
- 3Y win
- +70%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
ICICI Prudential Credit Risk Fund
ICICI Prudential Mutual Fund
- 1Y
- +8.2%
- 3Y
- +9.1%
- Vol
- 1.4%
- Max DD
- -2.9%
- Sharpe
- 2.52
- 3Y win
- +53%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Kotak Credit Risk Fund
Kotak Mahindra Mutual Fund
- 1Y
- +7.4%
- 3Y
- +8.5%
- Vol
- 1.8%
- Max DD
- -3.9%
- Sharpe
- 1.64
- 3Y win
- +54%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
BANK OF INDIA CREDIT RISK FUND
Bank of India Mutual Fund
- 1Y
- +17.9%
- 3Y
- +10.1%
- Vol
- n/a
- Max DD
- -73.4%
- Sharpe
- n/a
- 3Y win
- +44%
- Higher trailing returns
Caveat: Deeper drawdown
DSP Credit Risk Fund
DSP Mutual Fund
- 1Y
- +11.1%
- 3Y
- +16.8%
- Vol
- 4.5%
- Max DD
- -6.0%
- Sharpe
- 0.89
- 3Y win
- +41%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown