Aditya Birla Sun Life Credit Risk Fund
Credit RiskModerately HighOPEN-ENDED
- NAV as on 24 Sep 2026
- ₹25.45-0.03%1 day
- Return since launch
- 8.5%
- 52-week range
- ₹22.81 — ₹25.46
- AUM
- ₹1,600 Cr
Aditya Birla Sun Life Credit Risk Fund is a Credit Risk debt fund from Aditya Birla Sun Life Mutual Fund with ₹1,600 Cr under management, launched in 2015. Over three years it has returned 12.4% a year, against 9.0% for its category. The expense ratio is 1.60% and the SEBI riskometer reading is Moderately High.
Performance
Aditya Birla Sun Life Credit Risk Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +11.5% against +6.0% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 10.2% | +2.3 pts | 8.0% | 6.1% |
| 2Y | 11.7% | +3.0 pts | 8.7% | 6.5% |
| 3Y | 12.4% | +3.4 pts | 9.0% | 6.9% |
| 5Y | 11.3% | +2.2 pts | 9.1% | 6.8% |
| 7Y | 10.4% | +1.6 pts | 8.8% | 6.6% |
| 10Y | 9.2% | +3.1 pts | 6.2% | 6.6% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.3% | +0.1 pts | 0.2% | 0.2% |
| 3M | 1.6% | +0.3 pts | 1.3% | 1.2% |
| 6M | 4.7% | 0.0 pts | 4.6% | 3.5% |
| 1Y | 11.5% | +3.5 pts | 8.0% | 6.0% |
| 2Y | 13.7% | +4.5 pts | 9.2% | 6.9% |
| 3Y | 12.1% | +3.1 pts | 9.0% | 7.1% |
| 5Y | 9.9% | +0.8 pts | 9.1% | 6.3% |
| 7Y | 8.7% | +1.5 pts | 7.2% | 6.6% |
| 10Y | 8.3% | +2.2 pts | 6.2% | 6.7% |
Since launch (30 Mar 2015): 8.5%
Calendar-year returns
Category average9.4%
6.4%
7.1%
6.9%
11.9%
13.4%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 13.4% | +2.1 pts | 11.3% |
| 2024 | 11.9% | +3.1 pts | 8.7% |
| 2023 | 6.9% | −1.8 pts | 8.7% |
| 2022 | 7.1% | −8.6 pts | 15.7% |
| 2021 | 6.4% | −1.8 pts | 8.2% |
| 2020 | 9.4% | +8.4 pts | 1.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.60%
Expense ratio as on 22 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.36%
- Brokerage
- 0.01%
- Transaction charges
- 0.00%
- Statutory levies
- 0.23%
- Exit load
- Exit load of 1%, if redeemed within 1 Year.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Credit Risk Debt B-II Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Moderately High
Your principal is treated as being at moderately high risk — typically balanced hybrid and index-led equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 1.97 | 1.50 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 7.51 | 6.24 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 2.99 | 3.45 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
Aditya Birla Sun Life Credit Risk Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt85.3%
- Other14.7%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 6.85% | ₹110 Cr | +0.76% | +0.89% | +0.99% |
| Adani Airport Holdings Ltd. | Services | 4.74% | ₹75.91 Cr | +2.62% | +3.34% | +4.33% |
| Jubilant Bevco Ltd. | Consumer Staples | 4.54% | ₹72.67 Cr | +3.13% | +3.70% | +3.03% |
| REC Ltd. | Financial | 4.28% | ₹68.46 Cr | — | — | — |
| company:19214 | Financial | 4.01% | ₹64.11 Cr | — | — | — |
| JTPM Metal Traders Ltd. | Metals & Mining | 3.62% | ₹57.97 Cr | +2.17% | +2.55% | — |
| JSW Energy Ltd. | Capital Goods | 3.12% | ₹49.97 Cr | +2.80% | +3.37% | +5.85% |
| National Bank For Agriculture & Rural Development | Financial | 3.11% | ₹49.69 Cr | +3.54% | +4.27% | — |
| Small Industries Devp. Bank of India Ltd. | Financial | 3.06% | ₹48.97 Cr | — | — | — |
| GOI | Sovereign | 2.81% | ₹44.96 Cr | +0.72% | +3.06% | +3.46% |
| Tata Capital Housing Finance Ltd. | Financial | 2.78% | ₹44.42 Cr | — | — | — |
| Hinduja Leyland Finance Ltd. | Financial | 2.17% | ₹34.71 Cr | +2.46% | +2.94% | — |
| Indus Infra Trust | Construction | 2.08% | ₹33.28 Cr | +1.61% | +1.90% | +1.96% |
| Kogta Financial India Ltd. | Financial | 2.02% | ₹32.26 Cr | +2.31% | +2.74% | — |
| Gaursons India Pvt. Ltd. | Construction | 2.00% | ₹31.93 Cr | +2.27% | +2.71% | — |
| Vedanta Ltd. | Metals & Mining | 1.90% | ₹30.37 Cr | +2.16% | +2.56% | +2.92% |
| SIS Ltd. | Services | 1.88% | ₹30.00 Cr | +2.14% | +2.55% | +2.92% |
| Hero Housing Finance Ltd. | Financial | 1.87% | ₹29.96 Cr | +2.15% | +2.56% | +2.91% |
| Narayana Hrudayalaya Ltd. | Healthcare | 1.87% | ₹29.88 Cr | +2.14% | +2.57% | +2.94% |
| OXYZO Financial Services Ltd. | Financial | 1.85% | ₹29.59 Cr | +2.12% | — | — |
| Hinduja Housing FInance Ltd. | Financial | 1.82% | ₹29.05 Cr | +2.08% | +2.48% | +2.84% |
| Ess Kay Fincorp Ltd. | Financial | 1.69% | ₹26.97 Cr | +1.93% | +2.30% | +2.62% |
| Telangana State | Financial | 1.59% | ₹25.49 Cr | +1.82% | — | — |
| Andhra Pradesh State | Financial | 1.58% | ₹25.25 Cr | +1.80% | — | — |
| company:19399 | Services | 1.55% | ₹24.86 Cr | — | — | — |
| Bajaj Housing Finance Ltd. | Financial | 1.54% | ₹24.67 Cr | +1.77% | +2.12% | — |
| IndiGrid Infrastructure Trust | Capital Goods | 1.49% | ₹23.84 Cr | +2.14% | +2.46% | +1.77% |
| IKF Finance Ltd. | Financial | 1.46% | ₹23.36 Cr | +2.08% | +2.97% | — |
| Cube Highways Trust | Services | 1.43% | ₹22.82 Cr | — | — | — |
| Nuvama Wealth Finance Ltd. | Financial | 1.38% | ₹22.13 Cr | +1.59% | +1.89% | +2.14% |
| Nexus Select Trust | Construction | 1.27% | ₹20.31 Cr | +1.35% | +1.67% | +1.74% |
| Avanse Financial Services Ltd. | Financial | 1.25% | ₹20.06 Cr | +1.44% | +1.70% | +1.95% |
| Embassy Office Parks REIT | Construction | 1.05% | ₹16.79 Cr | +1.18% | +1.38% | +1.81% |
| Tata Projects Ltd. | Construction | 0.94% | ₹14.99 Cr | +1.08% | +1.29% | +2.45% |
| GMR Airports Ltd. | Construction | 0.87% | ₹13.86 Cr | +0.98% | +1.16% | +3.58% |
| Eris Lifesciences Ltd. | Healthcare | 0.85% | ₹13.53 Cr | +0.97% | +1.16% | +1.32% |
| National Bank For Financing Infrastructure And Development | Financial | 0.78% | ₹12.55 Cr | +0.90% | +1.67% | +2.40% |
| Adani Power Ltd. | Energy | 0.62% | ₹9.94 Cr | +0.71% | +0.85% | — |
| Raajmarg Infra Investment Trust | Construction | 0.38% | ₹6.10 Cr | +0.40% | — | — |
| IRB InvIT Fund | Construction | 0.38% | ₹6.06 Cr | +0.41% | +0.49% | +0.57% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 0.31% | ₹4.92 Cr | +0.36% | — | — |
| Tamilnadu State | Others | 0.14% | ₹2.25 Cr | +0.16% | — | — |
| Rajasthan State | Others | 0.09% | ₹1.40 Cr | +0.10% | — | — |
| Power Finance Corporation Ltd. | Financial | 0.07% | ₹1.13 Cr | +1.80% | +0.10% | +0.11% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| GOI | 6.91% | 2.81% | -4.09% |
| company:19214 | 0.00% | 4.01% | +4.01% |
| Adani Airport Holdings Ltd. | 1.12% | 3.71% | +2.59% |
| Power Finance Corporation Ltd. | 1.64% | 0.07% | -1.57% |
| company:19399 | 0.00% | 1.55% | +1.55% |
| IKF Finance Ltd. | 1.90% | 1.46% | -0.44% |
| Jubilant Bevco Ltd. | 4.72% | 4.54% | -0.18% |
| Small Industries Devp. Bank of India Ltd. | 3.21% | 3.06% | -0.15% |
| REC Ltd. | 3.27% | 3.12% | -0.15% |
| JTPM Metal Traders Ltd. | 3.77% | 3.62% | -0.15% |
| Tata Capital Housing Finance Ltd. | 2.92% | 2.78% | -0.14% |
| Hinduja Leyland Finance Ltd. | 2.27% | 2.17% | -0.11% |
| Andhra Pradesh State | 1.68% | 1.58% | -0.10% |
| IndiGrid Infrastructure Trust | 1.58% | 1.49% | -0.09% |
| Kogta Financial India Ltd. | 2.11% | 2.02% | -0.09% |
| Narayana Hrudayalaya Ltd. | 1.96% | 1.87% | -0.09% |
| Telangana State | 1.68% | 1.59% | -0.09% |
| Vedanta Ltd. | 1.99% | 1.90% | -0.09% |
| OXYZO Financial Services Ltd. | 1.94% | 1.85% | -0.09% |
| Hero Housing Finance Ltd. | 1.96% | 1.87% | -0.08% |
| SIS Ltd. | 1.96% | 1.88% | -0.08% |
| Hinduja Housing FInance Ltd. | 1.90% | 1.82% | -0.08% |
| Gaursons India Pvt. Ltd. | 2.07% | 2.00% | -0.08% |
| National Bank For Agriculture & Rural Development | 1.62% | 1.55% | -0.08% |
| Ess Kay Fincorp Ltd. | 1.76% | 1.69% | -0.08% |
| Bajaj Housing Finance Ltd. | 1.62% | 1.54% | -0.07% |
| Indus Infra Trust | 2.15% | 2.08% | -0.07% |
| Nuvama Wealth Finance Ltd. | 1.45% | 1.38% | -0.06% |
| Cube Highways Trust | 1.49% | 1.43% | -0.06% |
| Avanse Financial Services Ltd. | 1.31% | 1.25% | -0.05% |
| Nexus Select Trust | 1.32% | 1.27% | -0.05% |
| Embassy Office Parks REIT | 1.09% | 1.05% | -0.05% |
| National Bank For Financing Infrastructure And Development | 0.83% | 0.78% | -0.04% |
| JSW Energy Ltd. | 1.28% | 1.24% | -0.04% |
| Tata Projects Ltd. | 0.98% | 0.94% | -0.04% |
| Eris Lifesciences Ltd. | 0.88% | 0.85% | -0.04% |
| GMR Airports Ltd. | 0.90% | 0.87% | -0.04% |
| Adani Power Ltd. | 0.65% | 0.62% | -0.03% |
| Cholamandalam Investment and Finance Company Ltd. | 0.32% | 0.31% | -0.01% |
| Others | 0.28% | 0.27% | -0.01% |
| Tamilnadu State | 0.15% | 0.14% | -0.01% |
| Rajasthan State | 0.09% | 0.09% | 0.00% |
| IRB InvIT Fund | 0.38% | 0.38% | 0.00% |
| Raajmarg Infra Investment Trust | 0.38% | 0.38% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,224 Cr | 1.38% | 10.8% | 10.4% | 11.3% |
 ICICI Prudential Credit Risk Fund | ₹6,333 Cr | 1.43% | 7.3% | 8.2% | 7.9% |
 SBI Credit Risk Fund | ₹2,186 Cr | 1.54% | 7.9% | 7.8% | 7.7% |
 DSP Credit Risk Fund | ₹310 Cr | 1.20% | 11.4% | 13.9% | 13.7% |
 Bank of India Credit Risk Fund | ₹68.71 Cr | 1.36% | 16.7% | 11.8% | 15.9% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade.
Fund managers
- Mohit SharmaMr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta).Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).
- Sunaina da CunhaMs. Cunha is a B.Com (H) and MBA from FMS, Delhi.Prior to joining Aditya Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months4.65% absolute | ₹60,000 | ₹62,790 | 4.65% | |
| 1 year11.50% annualised | ₹1,20,000 | ₹1,27,744 | 6.45% | |
| 3 years12.11% annualised | ₹3,60,000 | ₹4,35,850 | 21.07% | |
| 5 years9.92% annualised | ₹6,00,000 | ₹7,79,124 | 29.85% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Aditya Birla Sun Life Credit Risk Fund?
The NAV of Aditya Birla Sun Life Credit Risk Fund is ₹25.45 as on 24 Sep 2026.
What is the expense ratio of Aditya Birla Sun Life Credit Risk Fund?
The expense ratio of Aditya Birla Sun Life Credit Risk Fund is 1.60% per year.
What is the minimum SIP amount for Aditya Birla Sun Life Credit Risk Fund?
You can start a SIP in Aditya Birla Sun Life Credit Risk Fund with ₹3,000 a month.
What returns has Aditya Birla Sun Life Credit Risk Fund given?
Aditya Birla Sun Life Credit Risk Fund has returned 10.2% over 1 year, 12.4% over 3 years and 11.3% over 5 years (annualised).
Is there a lock-in or exit load on Aditya Birla Sun Life Credit Risk Fund?
Lock-in: None. Exit load: Exit load of 1%, if redeemed within 1 Year..
How risky is Aditya Birla Sun Life Credit Risk Fund?
Aditya Birla Sun Life Credit Risk Fund is rated Moderately High on the SEBI riskometer and belongs to the Credit Risk category.
Which fund house manages Aditya Birla Sun Life Credit Risk Fund?
Aditya Birla Sun Life Credit Risk Fund is managed by Aditya Birla Sun Life Mutual Fund, which runs 86 schemes with ₹4,32,524 Cr under management.