1 Lakh
Investment Grown to₹ 10000
Monthly SIP Grown toSuitability:
"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."
Taxability of earnings:
Capital gains
Dividends
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YTD | 1-Day | 1-W | 1-M | 3-M | 6-M | 1-Y | 3-Y | 5-Y | 7-Y | 10-Y | |
---|---|---|---|---|---|---|---|---|---|---|---|
SBI Credit Risk-G | 1.15 | 0.08 | 0.17 | 0.37 | 0.06 | 1.15 | 3.78 | 6.62 | 6.22 | 7.20 | 8.05 |
CCIL T Bill Liquidity Weight | 0.91 | 0.05 | 0.07 | 0.27 | 0.34 | 0.91 | 1.99 | 2.70 | 3.31 | 3.68 | 4.25 |
Debt: Credit Risk | 10.08 | 0.07 | 0.17 | 0.28 | -0.46 | 10.08 | 15.52 | 5.43 | 4.05 | 5.51 | 7.19 |
Rank within category | 5 | 6 | 8 | 5 | 4 | 5 | 10 | 5 | 4 | 4 | -- |
Number of funds in category | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 14 | 4 |
As on 01-Jul-2022
Fund name | Rating | Launch Date | 1-Year Return | 3-Year Return | 5-Year Return | Expense Ratio | Assets (Cr) |
---|---|---|---|---|---|---|---|
SBI Credit Risk Fund | Invest Online | Jul-04 | 3.78 | 6.62 | 6.22 | 1.55% | 3,035 | |
HDFC Credit Risk Debt Fund - Regular Plan | Invest Online | Mar-14 | 3.40 | 7.59 | 6.90 | 1.58% | 8,640 | |
ICICI Prudential Credit Risk Fund | Invest Now | Dec-10 | 4.53 | 7.68 | 7.29 | 1.54% | 8,022 | |
Axis Credit Risk Fund - Regular Plan | Jul-14 | 3.69 | 6.51 | 5.59 | 1.68% | 690 | |
Kotak Credit Risk Fund Regular Plan | Invest Online | May-10 | 0.93 | 5.08 | 5.60 | 1.71% | 1,645 |
Best Performance | Worst Performance | |||
---|---|---|---|---|
Return (%) | Period | Return (%) | Period | |
Week | 2.11 | 24-Mar-2020 - 31-Mar-2020 | -1.45 | 12-Mar-2020 - 19-Mar-2020 |
Month | 2.77 | 17-Nov-2008 - 17-Dec-2008 | -2.05 | 25-Feb-2020 - 26-Mar-2020 |
Quarter | 4.54 | 30-Apr-2020 - 31-Jul-2020 | -0.30 | 10-Feb-2020 - 11-May-2020 |
Year | 11.63 | 31-Jan-2014 - 02-Feb-2015 | 3.40 | 14-Jun-2021 - 14-Jun-2022 |
Mean | Std Dev | Sharpe | Sortino | Beta | Alpha | |
---|---|---|---|---|---|---|
SBI Credit Risk-G | 6.30 | 1.96 | 1.43 | 2.10 | 0.09 | 2.88 |
CCIL T Bill Liquidity Weight | 2.69 | 0.37 | -2.20 | -4.41 | -- | -- |
Debt: Credit Risk* | 6.85 | 9.53 | 0.72 | 0.98 | -4.76 | -0.66 |
Rank within category* | 5 | 4 | 3 | 2 | 11 | 5 |
Number of funds in category* | 15 | 15 | 15 | 15 | 15 | 15 |
The Risk Measures have been calculated using calendar month returns for the last three years.
As on 31-May-2022
* As on 30-Jun-2022
Fund | 1Y High | 1Y Low | Category | |
---|---|---|---|---|
Number of Securities | 47 | 63 | 46 | 30 |
Modified Duration (yrs) | 1.76 | 2.12 | 1.37 | 1.71 |
Average Maturity (yrs) | 2.68 | 2.68 | 1.73 | 2.37 |
Yield to Maturity (%) | 7.37 | 7.37 | 5.96 | 7.14 |
Avg Credit Rating | AAA | -- | -- | -- |
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Company | Instrument | Credit Rating | 1Y Range | % Assets | |
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6.84% GOI 19/12/2022 | GOI Securities | SOV | 0.00 - 4.98 | 4.98 |
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9.85% Tata International | Perpetual Bond | A+ | 0.00 - 4.93 | 4.93 |
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IndInfravit Trust 2038 | Non Convertible Debenture | AAA | 4.40 - 4.88 | 4.88 |
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Tata Projects 316-D 09/03/2023 | Commercial Paper | A1+ | 0.00 - 3.43 | 3.43 |
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8.55% Coastal Gujarat Power 20/07/2023 | Debenture | AA | 3.02 - 3.35 | 3.35 |
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9.15% Aadhar Housing Finance 20/06/2023 | Debenture | AA | 3.01 - 3.35 | 3.35 |
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Reserve Bank of India 182-D 01/09/2022 | Treasury Bills | SOV | 0.00 - 3.26 | 3.26 |
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Reserve Bank of India 182-D 29/09/2022 | Treasury Bills | SOV | 0.00 - 3.24 | 3.24 |
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Flometallic India 21/06/2023 | Debenture | AA+ | 2.74 - 3.13 | 3.13 |
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8.40% Avanse Financial Services 29/09/2023 | Debenture | A+ | 0.00 - 3.11 | 3.11 |
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9.15% NUVOCO Vistas Corp. 30/08/2022 | Non Convertible Debenture | AA | 0.00 - 2.99 | 2.99 |
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7.73% Jindal Stainless 24/05/2025 | Debenture | AA- | 0.00 - 2.87 | 2.87 |
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5.63% GOI 2026 | GOI Securities | SOV | 0.00 - 12.58 | 2.82 |
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8.90% Prestige Projects Private 2026 | Debenture | A+ | 0.00 - 2.97 | 2.51 |
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9.25% Manappuram Finance 27/03/2023 | Debenture | AA | 2.26 - 2.51 | 2.51 |
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8.64% Union Bank of India | Additional Tier 1 Bond | AA | 0.71 - 2.47 | 2.47 |
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10.90% AU Small Finance Bank | Additional Tier 2 Bond | AA- | 2.24 - 2.46 | 2.46 |
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Reserve Bank of India 182-D 22/09/2022 | Treasury Bills | SOV | 0.00 - 2.43 | 2.43 |
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L&T Metro Rail (Hyderabad) 274-D 30/09/2022 | Commercial Paper | A1+ | 0.00 - 2.42 | 2.42 |
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5.44% National Bank Agr. Rur. Devp 2024 | Debenture | AAA | 0.00 - 2.42 | 2.42 |
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8.80% Pune Solapur Expressways 31/03/2029 | Debenture | AA- | 2.05 - 2.20 | 2.20 |
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6.24% Godrej Industries 14/07/2023 | Debenture | AA | 1.87 - 2.12 | 2.12 |
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9.77% Tata Motors 2024 | Debenture | AA- | 0.00 - 1.73 | 1.73 |
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7.45% Mahindra Rural Housing Finance 14/07/2023 | Debenture | AA+ | 1.59 - 3.14 | 1.65 |
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Indostar Capital Finance 14/06/2022 | Debenture | AA- | 1.44 - 1.65 | 1.65 |
Indicates an increase or decrease or no change in holding since last portfolio
Indicates a new holding since last portfolio
As on 31-May-2022
— Lokesh Mallya since 01-Feb-2017
Education: Mr. Mallya is MBA and FRM.
Experience: Prior to SBI Mutual Fund, he has worked with Aditya Birla Sun Life AMC as fund manager (Sept 2009-Sept 2014) and as Credit Analyst (July 2006 - Aug 2009).
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.
Min. Investment (₹) | 5,000 |
Min. Addl Investment (₹) | 1,000 |
Min. SIP Investment (₹) | 500 |
Min. No of Cheques | 12 |
Min. Withdrawal (₹) | 500 |
Min. Balance (₹) | 1,000 |
Lock-in Period | Not Applicable |
Exit Load | For units in excess of 8% of the investment,3% will be charged for redemption within 365 days For units in excess of 8% of the investment,1.5% will be charged for redemption between 366 - 730 days For units in excess of 8% of the investment,0.75% will be charged for redemption between 731 - 1095 days |
Fund House: | SBI Mutual Fund |
Launch Date: | 14-Jul-2004 |
Return Since Launch: | 7.42% |
Benchmark: | NIFTY Credit Risk Bond Index C-II |
Riskometer: | High |
Type: | Open-ended |
Assets: | ₹ 3,035 Cr (As on 31-May-2022) |
Expense: | 1.55% (As on 31-May-2022) |
Risk Grade: | Below Average |
Return Grade: | Above Average |
Plan | Record Date | Dividend (₹ / Unit) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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IDCW Daily | 19-Mar-2020 | 0.0110 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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IDCW Quarterly | 27-Dec-2019 | 0.1549 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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AMC: SBI Funds Management Ltd
Address: 9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai - 400051
Phone: 022-61793000 / 1800-425-5425
Fax: 022-22189663
Website: http://www.sbimf.com
Registrar & Transfer Agent: Computer Age Management Services Ltd.
Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002
Phone: 1800-3010-6767 / 1800-419-7676
Fax: 044-30407101
Email: [email protected]
Website: www.camsonline.com