SBI Credit Risk Fund - Direct Plan

Value Research Rating

3 star

Analyst’s Choice

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Riskometer

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High

₹48.8980 0.10%

As on 16-May-2025

Returns

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Calculate SIP Returns of SBI Credit Risk Fund - Direct Plan

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk

info

This fund has High risk.

Low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of SBI Credit Risk Fund - Direct Plan

Asset Allocation

Split between different types of investments

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Credit Rating Weightage

Split between categories of Equity investments

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Peer Comparison

Fund name
Rating
VR Opinion
Risk info
Return (%)
Expense Ratio (%) info
SBI Credit Risk Fund - Direct Plan
3 star
unlock fund advisor
High
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0.89
5 star
unlock fund advisor
High
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0.70
3 star
unlock fund advisor
Moderately High
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1.02
2 star
unlock fund advisor
High
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0.76
Suspended
unlock fund advisor
High
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0.67

Other details of SBI Credit Risk Fund - Direct Plan

Assets

info

₹2,248 Cr

Exit Load (Days)

info

3.00 (365)

Min. Investment (₹)

5,000

Min. Withdrawal (₹)

500

Min. SIP Investment (₹)

500

Min. No of Cheques

12

Investment Strategy

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.

Suitability

"Credit risk funds invest mainly in bonds which are rated AA or below by credit rating agencies. The lower rating indicates a higher possibility of these bonds defaulting on repayment of investors' money. Therefore, these funds are the riskiest among debt fund categories. But they compensate for this additional risk with a higher return potential as these bonds offer better rates of interest than the highest rated bonds.

However, retail investors can avoid these funds altogether. There are far too many kinds of debt funds with a highly nuanced classification based on the type or duration of bonds they can invest in. We believe that so many fund categories add to complexity which is easily avoidable. Retail investors can simply invest in Liquid funds for an investment horizon of up to one year and Short Duration funds for the fixed income allocation (which should be 100 per cent for an investment horizon of up to three years) in their longer-term portfolios."

Capital Gains Taxation

  • If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • If investment is made before 1 April 2023:
    • Sold within 2 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
    • Sold after 2 years from the date of investment: Gains are taxed at the rate of 12.5%.
  • No tax is to be paid as long as you continue to hold the units.

Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.

Dividend Taxation

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs 10,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.
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FAQ for SBI Credit Risk Fund - Direct Plan

Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of SBI Credit Risk Fund - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, SBI Credit Risk Fund - Direct Plan can be bought from the SBI Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.

The latest declared NAV of SBI Credit Risk Fund - Direct Plan, is ₹48.8980 as of 17-May-2025.

Company Percentage of Portfolio

GOI Sec 7.23 15/04/2039

9.05

Aadhar Housing Finance Ltd Debenture 8.50 26/05/2026

5.02

Nirma Ltd SR VII TR C Debenture 8.50 07/04/2027

4.95

Renew Solar Energy (Jharkhand Five) Pvt. Ltd NCD 8.44 31/08/2029

4.75

Infopark Properties Ltd SR I RR Debenture 19/06/2039

4.71
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Over the past five years, SBI Credit Risk Fund - Direct Plan has delivered an annualised return of 8.14% as of 17-May-2025.

The minimum investment required to start investing in SBI Credit Risk Fund - Direct Plan is ₹5,000 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.