Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ monitor_heart Health Score: 63/100 · AverageSBI Mutual Fund · Debt · Credit Risk Fund
₹16.29
AUM: ₹2,141 Cr
NAV updated about 1 month ago
Plan
Regular
Option
Idcw
Risk
Moderate to High
Expense Ratio
0.91%
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
0.36
Std Dev (1Y)
1.13%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+1.5%
3m
+2.51%
6m
+4.11%
1y
+7.47%
3y
+8.33%
5y
+7.63%
10y
+7.93%
since inception
+3.59%
rate_review TopFund's Take on SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) sits in the middle of the pack for Credit Risk Fund 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 0.91%, the expense ratio runs 30% above the Credit Risk Fund category average of 0.7%. 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 modest Sharpe ratio of 0.36 — returns have only marginally compensated for the risk taken. Separately, annualised volatility of 1.13% is on the lower side, 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.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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Frequently Asked Questions about SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) is ₹16.29. NAV is updated every business day after market close by AMFI.
1Y: 7.47% · 3Y CAGR: 8.33% · 5Y CAGR: 7.63%
The expense ratio is 0.91% per annum — the annual fee deducted from your investment to cover fund management costs.
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Lokesh Mallya, Mansi Sajeja at SBI Mutual Fund.
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) is a Moderate to High risk fund. Suitable for investors with a moderate risk appetite.
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) is a Credit Risk Fund fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW) is ₹2,142 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.