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SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 63/100 · Average
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)8.48%
- Expense ratio (20%)0.9%
- AUM (15%)₹2,186 Cr
Not investment advice — an analytical read of public fund data. Methodology →
SBI Mutual Fund · Debt · Credit Risk
₹54.17
AUM: ₹2,185 Cr
NAV updated 1 day ago
Plan
Direct
Option
Idcw
Risk
Moderate to High
Expense Ratio
0.9%
Exit Load
For units in excess of 8% of the investment, exit load of 3% if redeemed within 12 months, 1.5% if redeemed after 12 months but within 24 months and 0.75% if redeemed after 24 months but within 36 months
Fund Manager
Lokesh Mallya, Mansi Sajeja
Inception
Jan 2013
Benchmark
NIFTY Credit Risk Bond Index B-II
Sharpe Ratio
1.44
Std Dev (1Y)
1.21%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.16%
3m
+1.85%
6m
+4.73%
1y
+7.97%
3y
+8.48%
5y
+7.68%
10y
+7.78%
since inception
+5.58%
TopFund's Take on SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) sits in the middle of the pack for Credit Risk funds, currently carrying a 3-star rating. It has delivered steady, if unspectacular, returns over a full market cycle. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 63/100.
Cost: At 0.9%, the expense ratio runs 32% above the Credit Risk category average of 0.68%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a strong Sharpe ratio of 1.44 — the fund has generated solid returns relative to the volatility it exposed investors to. Separately, annualised volatility of 1.21% is on the lower side for a Credit Risk fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Debt fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹54.17. NAV is updated every business day after market close by AMFI.
1Y: 7.97% · 3Y CAGR: 8.48% · 5Y CAGR: 7.68%
The expense ratio of SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is 0.9% per annum. This is the annual fee charged by the fund to manage your investment.
SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Lokesh Mallya, Mansi Sajeja at SBI Mutual Fund.
SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is classified as a Moderate to High risk fund. It is suitable for investors with a moderate risk appetite.
SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is a Credit Risk fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of SBI Credit Risk Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹2,186 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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