Popular searches
Get to know your policy better
Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Credit Risk Fund • CRISIL Credit Risk Debt Index
Aditya Birla SL Credit Risk Fund(G)-Direct Plan
1 Finance Rank:
04
041 Finance Score:
78100
Yield To Maturity Score
73
Quality & Diversification Score
88
Standard Deviation Score
57
Modified Duration Score
71
AUM Score
79
Historical Performance score
85
1 Finance Research updated as on March 2026 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 1,178 CrNAV
₹ 27.5122(As on 15-Jun-2026)Expense Ratio
0.79%(As on 31-May-2026)Investment Horizon
3 to 5 years
04
Debt • Credit Risk Fund • CRISIL Credit Risk Debt Index
Aditya Birla SL Credit Risk Fund(G)-Direct Plan
This fund ranks 4th out of 14 funds in its category.
AUM₹ 1,178 Cr
NAV₹ 27.5122(As on 15-Jun-2026)
Expense Ratio0.79%(As on 31-May-2026)
Investment Horizon3 to 5 years
1 Finance Score: 78/100
Yield To Maturity Score
73
Quality & Diversification Score
88
Standard Deviation Score
57
Modified Duration Score
71
AUM Score
79
Historical Performance score
85
Fundamental Ratios
Modified Duration
8.59 yearsAverage Maturity
2.72 yearsYield To Maturity
8.59%Standard Deviation
0.21%Portfolio summary
Asset Allocation
Debt
Others
76.59%
23.41%
Credit Rating
AA
39.93%
AAA
11.53%
SOV
9.06%
Others
39.47%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| Clearing Corporation Of India Ltd. | 15.06% |
| GMR Airports Ltd. BD 5.00% (13-Feb-2027) | 3.99% |
| Jubilant Bevco Ltd. (31-May-2028) | 3.22% |
| 06.48% GOI 06-Oct-2035 | 2.93% |
| IKF Finance Ltd. 09.04% (12-Sep-2027) | 2.57% |
*Portfolio summary is updated on April 2026.
*A strong-looking portfolio on paper may still clash with your needs. Make sure to align it with your needs and time horizon.
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
*1F Score is updated quarterly, expense ratio was updated on May 2026. CAGR is updated daily.
Pros and Cons
Pros
Potential for higher returns as the fund maintains a high Net Yield to Maturity (YTM).
Ability to significantly outperform benchmark returns.
High AUM often signifies stability and credibility, along with being well diversified.
Great track record of generating high returns by managing the portfolio dynamically.
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
Exhibits a relatively high level of volatility, indicated by its elevated standard deviation.
Should you invest?
Invest if you are :
- Those willing to invest in slightly lower quality bonds in exchange for slightly higher returns should consider this fund.
Avoid if you are :
- Investors who are not ready to compromise portfolio quality for higher returns should avoid this fund.
*Most financial mistakes aren't about money — they're about personality. Find yours with MoneySign®
Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- The investment objective of the scheme is to generate returns by predominantly investing in aportfolio of corporate debt securities. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes objectives will be achieved.
Exit Load
- 1% on or before 1Y, Nil after 1Y
Minimum investment amount
Lumpsum
₹ 100 (open for subscription)
Other details
Founded In2015
Email Addresscare.mutualfunds@adityabirlacapital.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Sunaina da Cunha | 16.4 | 4 |
About Aditya Birla SL MF
- Aditya Birla Sun Life Mutual Fund is one of the leading Indian mutual fund houses, offering diversed investment solutions to millions of investors with a focus on long-term wealth creation.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more
We look where past returns don't
Your data security is our top priority
Through a secure infrastructure, RSA-256 encryption, disaster recovery protocols
Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more