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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 • NIFTY Credit Risk Bond Index
SBI Credit Risk Fund(G)-Direct Plan
1 Finance Rank:
11
111 Finance Score:
55100
Yield To Maturity Score
84
Quality & Diversification Score
-
Standard Deviation Score
79
Modified Duration Score
64
AUM Score
86
Historical Performance score
72
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 2,139 Cr(As on 31-Mar-2026)NAV
₹ 52.2528(As on 08-May-2026)Expense Ratio
0.89%(As on 31-Mar-2026)Investment Horizon
3 to 5 years
11
Debt • Credit Risk Fund • NIFTY Credit Risk Bond Index
SBI Credit Risk Fund(G)-Direct Plan
This fund ranks 11th out of 14 funds in its category.
AUM₹ 2,139 Cr(As on 31-Mar-2026)
NAV₹ 52.2528(As on 08-May-2026)
Expense Ratio0.89%(As on 31-Mar-2026)
Investment Horizon3 to 5 years
1 Finance Score: 55/100
Yield To Maturity Score
84
Quality & Diversification Score
-
Standard Deviation Score
79
Modified Duration Score
64
AUM Score
86
Historical Performance score
72
Fundamental Ratios
Modified Duration
8.72 yearsAverage Maturity
2.02 yearsYield To Maturity
8.72%Standard Deviation
0.08%Portfolio summary
Asset Allocation
Debt
Others
84.74%
15.26%
Credit Rating
AA
54.85%
SOV
12.71%
Others
7.57%
Cash Eqv.
7.30%
AAA
3.04%
Debt Sector Allocation
Finance
17.81%
G-Sec
12.71%
Infrastructure
10.80%
Others
16.63%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 07.02% GOI - 18-Jun-2031 | 7.07% |
| Tri-Party Repo (TREPS) | 5.31% |
| Infopark Properties Ltd. -SR-I RR (19-Jun-2039) | 4.85% |
| ReNew Solar Energy (Jharkhand Five) Pvt Ltd. 08.44% (31-Aug-2029) | 4.75% |
| H.G. Infra Engineering Ltd. 08.55% (29-Aug-2028) | 4.59% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
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.
The fund demonstrates a low level of volatility as the standard deviation is low.
Cons
This fund doesn't have any cons.
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.
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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
- 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.
Exit Load
- Nil for 8% of investment and 3% for remaining investment on or before 12M, Nil for 8% of investment and 1.5% for remaining investment after 12M but before 24M, Nil for 8% of investment and 0.75% for remaining investment after 24M but before 36M, Nil after 36M
Minimum investment amount
Lumpsum
₹ 5000 (open for subscription)
Other details
Founded In2013
Email Addresscustomer.delight@sbimf.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Lokesh Mallya | 16.2 | 2 |
About SBI MF
- One of India’s largest and most trusted AMCs, SBI Mutual Fund combines the nationwide reach of State Bank of India with global expertise, offering a wide spectrum of equity, debt, and hybrid funds.
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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