Aditya Birla Sun Life Credit Risk Fund is a Credit Risk fund run by Aditya Birla Sun Life Mutual Fund. On 30-09-2026, it managed ₹1,657 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 12.9% a year and its Regular plan returned 11.9% a year.
NAV (Direct plan)
₹28.16
▲ 0.09% · 30-10-2026
NAV (Regular plan)
₹25.41
▲ 0.09% · 30-10-2026
Expense ratio
0.80%Direct1.60%Regular
0.80%
A year
Riskometer
Moderately High
Set by the fund house
3 year return
12.9%Direct11.9%Regular
12.9%
A year
Aditya Birla Sun Life Credit Risk Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹28.16 (up 0.09% that day); Regular Plan Growth ₹25.41 (up 0.09% that day).
This fund (Direct plan)
₹28.1555
Aditya Birla Sun Life Credit Risk Fund Returns vs Credit Risk Funds
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−0.08%
+0.85%
+3.70%
+11.12%
+12.89%
+10.77%
+9.17%
This fund (Regular)
−0.15%
+0.65%
+3.29%
+10.20%
+11.92%
+9.81%
+8.18%
Credit Risk average
−0.04%
+0.78%
+3.31%
+7.84%
+9.41%
+9.83%
+6.82%
Best in Credit Risk
+0.23%
+1.32%
+3.89%
+16.97%
+13.69%
+27.83%
+9.17%
Worst in Credit Risk
−0.17%
+0.35%
+2.76%
+5.00%
+7.09%
+6.26%
+2.38%
Rank in Credit Risk
9/13
5/13
3/13
2/13
2/13
3/12
1/11
Category rows compare the Direct plans of 13 Credit Risk funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Credit Risk Debt B-II Index. Returns of that index are not available to us, so the category average is the comparison.
Aditya Birla Sun Life Credit Risk Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+9.83%
+9.09%
2025
+14.42%
+13.43%
2024
+12.92%
+11.92%
2023
+7.83%
+6.89%
2022
+8.07%
+7.10%
2021
+7.24%
+6.36%
Aditya Birla Sun Life Credit Risk Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,065 periods, one for each trading day from 23-04-2018 to 30-10-2026.
0%5%10%15%
Aditya Birla Sun Life Credit Risk Fund (Direct)
Category average, 13 Credit Risk funds
Dec 2015 to Dec 2018Jun 2017 to Jun 2020Nov 2018 to Nov 2021May 2020 to May 2023Oct 2021 to Oct 2024Feb 2023 to Feb 2026
Aditya Birla Sun Life Credit Risk Fund (Direct)Category average, 13 Credit Risk funds
0%
0%
Below 0%
0%
19%
0-5%
80%
80%
5-10%
20%
1%
10-15%
0%
0%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
2,551
8.9%
0.8%
18.9%
0%
8.4%
77%
2 years
2,307
8.3%
3.9%
15.7%
0%
7.3%
100%
3 years
2,065
8.3%
5.3%
13.3%
0%
7.6%
97%
5 years
1,585
7.8%
6.6%
11.0%
0%
6.3%
100%
7 years
1,098
8.1%
7.3%
9.9%
0%
6.5%
100%
10 years
372
9.2%
9.1%
9.6%
0%
7.5%
100%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
127
9.1%
−2.1%
20.5%
1%
8.4%
75%
2 years
115
8.3%
1.7%
16.2%
0%
7.5%
91%
3 years
103
8.1%
3.3%
14.8%
0%
7.1%
99%
5 years
79
7.8%
5.6%
12.7%
0%
6.5%
100%
7 years
55
7.9%
7.0%
11.5%
0%
6.8%
100%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 13 Credit Risk funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
Aditya Birla Sun Life Credit Risk Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Aditya Birla Sun Life Credit Risk Fund (Direct)This fund
Category average
Return (CAGR)
+11.12%
+7.84%
Standard deviation
3.54%
1.21%
Sharpe ratio
1.66
2.14
Sortino ratio
6.64
3.69
Maximum drawdown
−0.50%
(23-10-2026)
−0.36%
(23-10-2026)
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Credit Risk Fund (Direct)This fund
Category average
Return (CAGR)
+12.89%
+9.43%
Standard deviation
3.38%
1.13%
Sharpe ratio
2.03
3.03
Sortino ratio
10.06
6.53
Maximum drawdown
−0.50%
(23-10-2026)
−0.36%
(23-10-2026)
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Credit Risk Fund (Direct)This fund
Category average
Return (CAGR)
+10.77%
+8.38%
Standard deviation
2.88%
1.12%
Sharpe ratio
1.72
2.30
Sortino ratio
7.35
4.39
Maximum drawdown
−0.75%
(06-05-2022)
−1.1%
(06-05-2022)
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Credit Risk Fund (Direct)This fund
Category average
Return (CAGR)
+9.17%
+7.15%
Standard deviation
2.74%
1.58%
Sharpe ratio
1.37
1.11
Sortino ratio
2.36
1.54
Maximum drawdown
−3.9%
(25-11-2019)
−3.7%
(24-03-2020)
From daily NAVs, 28-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Credit Risk Fund (Direct)This fund
Category average
Return (CAGR)
+9.38%
+7.63%
Standard deviation
2.57%
1.50%
Sharpe ratio
1.47
1.35
Sortino ratio
2.53
1.90
Maximum drawdown
−3.9%
(25-11-2019)
−3.7%
(24-03-2020)
From daily NAVs, 22-04-2015 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−4%−3%−2%−1%0%
Aditya Birla Sun Life Credit Risk Fund (Direct)
Category average, 13 Credit Risk funds
201620182020202220242026
Aditya Birla Sun Life Credit Risk Fund (Direct)Category average, 13 Credit Risk funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Aditya Birla Sun Life Credit Risk Fund (Direct)
−3.9%
03-10-2019
25-11-2019
30-06-2020
7 months
−0.18%
Category average
−3.7%
14-02-2020
24-03-2020
30-07-2020
4 months
−0.13%
From the Direct plan's daily NAV since 22-04-2015, adjusted for unit splits, and the average of the 13 Credit Risk funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
Aditya Birla Sun Life Credit Risk Fund vs Other Credit Risk Funds
The five Credit Risk funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
Aditya Birla Sun Life Credit Risk Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-09-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Credit Risk median
Cost rank (1 = cheapest)
Direct
0.67%
0.01%
0.00%
0.12%
0.80%
0.80%
7/13
Regular
1.36%
0.01%
0.00%
0.23%
1.60%
1.51%
10/13
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Credit Risk funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
10.20%
11.12%
0.92%
₹1,10,200
₹1,11,120
3 years
11.92%
12.89%
0.97% a year
₹1,40,192
₹1,43,869
5 years
9.81%
10.77%
0.96% a year
₹1,59,665
₹1,66,767
10 years
8.18%
9.17%
0.99% a year
₹2,19,518
₹2,40,455
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Aditya Birla Sun Life Credit Risk Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 22-04-2015 to 30-10-2026: 139 instalments, ₹13,90,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planAditya Birla Sun Life Credit Risk Fund (Direct)
₹13,90,000
₹25,12,533
₹11,22,533
9.8%
Regular planAditya Birla Sun Life Credit Risk Fund (Regular)
Direct planAditya Birla Sun Life Credit Risk Fund (Direct)Regular planAditya Birla Sun Life Credit Risk Fund (Regular)Category averageCategory average, 13 Credit Risk fundsAmount invested
From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Credit Risk Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
82.7%Debt
Asset
Fund
Category
Debt
82.7%
79.5%
Cash and others
17.3%
20.5%
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 13 Credit Risk funds.
Rating
Fund
Category
Sovereign
5.8%
9.3%
AAA and A1+
16.1%
8.9%
AA
57.1%
56.7%
A and below
3.7%
4.6%
Aditya Birla Sun Life Credit Risk Fund Portfolio Holdings
As on 30-09-2026 · 55 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
9.10% SK Finance Ltd. (10/08/2029) · Bond
IND AA-
5.53%
8.73% Eris Lifesciences Ltd. (07/06/2027) · Bond
IND AA
4.47%
Jubilant Bevco Ltd. (31/05/2028) (ZCB) · Bond
CRISIL AA
4.41%
JTPM Metal Traders Ltd. (29/09/2028) (ZCB) · Bond
CRISIL AA
3.83%
8.45% Adani Airport Holdings Ltd. (12/02/2029) · Bond
IND AA-
3.58%
5.00% GMR Airports Ltd. (13/02/2027) · Bond
CRISIL AA-
3.33%
Government of India (11/05/2036) · Government security
Sovereign
3.26%
7.46% REC Ltd. (30/06/2028) · Bond
ICRA AAA
3.01%
6.66% Small Industries Development Bank of India (25/10/2028) · Bond
CRISIL AAA
2.95%
HDFC Bank Ltd. (15/01/2027) · Certificate of deposit
CARE A1+
2.66%
7.79% Tata Capital Housing Finance Ltd. (18/06/2030) · Bond
ICRA AAA
2.66%
9.25% Hinduja Leyland Finance Ltd. (09/07/2031) · Bond
CRISIL AA+
2.10%
6.66% National Bank for Agriculture and Rural Development (12/10/2028) · Bond
ICRA AAA
2.07%
Indus Infra Trust
Transport Infrastructure
1.96%
9.50% Kogta Financial (India) Ltd. (30/10/2027) · Bond
CARE AA-
1.94%
11.46% Gaursons India Pvt. Ltd. (26/12/2028) · Bond
ICRA A-
1.93%
9.45% Vedanta Ltd. (05/06/2028) · Bond
CRISIL AA+
1.83%
8.75% JSW Energy Ltd. (20/03/2028) · Bond
ICRA AA
1.81%
8.50% SIS Ltd. (26/03/2028) · Bond
CRISIL AA-
1.81%
8.32% Hero Housing Finance Ltd. (30/08/2027) · Bond
ICRA AA+
1.80%
8.50% IKF Finance Ltd. (10/03/2028) · Bond
IND AA-
1.80%
9.90% Oxyzo Financial Services Pvt. Ltd. (13/03/2029) · Bond
ICRA A+
1.79%
8.00% Adani Power Ltd. (27/01/2028) · Bond
IND AA+
1.76%
8.85% Hinduja Housing Finance Ltd. (01/02/2027) · Bond
CARE AA+
1.75%
State Government Securities (20/07/2035)
Sovereign
1.52%
8.40% Narayana Hrudayalaya Ltd. (15/02/2030) · Bond
ICRA AA
1.50%
9.00% Aditya Birla Digital Fashion Ventures Ltd. (20/07/2029) · Bond
CRISIL AA-
1.49%
6.27% IKF Finance Ltd. (12/08/2027) · Bond
CARE AA-
1.41%
IndiGrid Infrastructure Trust
Power
1.40%
Cube Highways Trust
Transport Infrastructure
1.36%
9.75% Nuvama Wealth Finance Ltd. (16/04/2027) · Bond
CARE AA
1.33%
14.60% IKF Finance Ltd. (28/04/2028) (FRN) · Bond
CARE AA-
1.29%
Nexus Select Trust
Realty
1.22%
9.60% Avanse Financial Services Ltd. (30/04/2027) · Bond
CRISIL AA-
1.21%
8.05% JSW Energy Ltd. (10/11/2028) · Bond
ICRA AA
1.20%
7.27% National Bank for Agriculture and Rural Development (23/02/2029) · Bond
ICRA AAA
1.19%
Embassy Office Parks Reit
Realty
1.00%
5.49% Adani Airport Holdings Ltd. (08/09/2028) · Bond
CRISIL AA-
0.96%
8.35% Tata Projects Ltd. (22/07/2027) · Bond
IND AA
0.90%
5.02% GMR Airports Ltd. (09/09/2029) · Bond
CRISIL AA-
0.90%
5.00% GMR Airports Ltd. (13/08/2028) · Bond
CRISIL AA-
0.84%
8.73% Eris Lifesciences Ltd. (07/12/2026) · Bond
IND AA
0.82%
Government of India (15/04/2065) · Government security
Sovereign
0.81%
7.15% National Bank for Financing Infrastructure and Development (28/03/2035) · Bond
ICRA AAA
0.75%
8.95% Vedanta Ltd. (16/03/2029) · Bond
CRISIL AA+
0.61%
8.20% Adani Power Ltd. (25/01/2029) · Bond
IND AA+
0.60%
6.59% Power Finance Corporation Ltd. (15/10/2030) · Bond
ICRA AAA
0.58%
Raajmarg Infra Investment Trust
Transport Infrastructure
0.37%
IRB Invit Fund
Transport Infrastructure
0.36%
8.66% Cholamandalam Investment & Finance Co. Ltd. (23/02/2033) · Bond
ICRA AA+
0.30%
Corporate Debt Mkt Devp. Fund-A2
0.26%
7.38% REC Ltd. (28/02/2029) · Bond
ICRA AAA
0.22%
State Government Securities (18/03/2035) · State government security
Sovereign
0.13%
8.67% Power Finance Corporation Ltd. (18/11/2028) · Bond
CRISIL AAA
0.07%
Government of India (06/10/2035) · Government security
Sovereign
0.02%
Aditya Birla Sun Life Credit Risk Fund Portfolio Overlap
Funds with the most similar portfolios, across every fund house and category
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Aditya Birla Sun Life Credit Risk Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.80%
Expense ratio (Regular)
1.60%
Category
Credit Risk
Risk
Moderately High
Benchmark
CRISIL Credit Risk Debt B-II Index
Launch date
17-04-2015
Minimum investment
₹100
Minimum additional investment
₹100
AUM
₹1,657.06 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
134387
ISIN (Direct)
INF209KA1K88
Scheme code (Regular)
134383
ISIN (Regular)
INF209KA1K47
NAV history
From 22-04-2015, 11.5 years
Exit load
Exit load of 1%, if redeemed within 1 Year.
Tax on Aditya Birla Sun Life Credit Risk Fund returns
Aditya Birla Sun Life Credit Risk Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Bonus
₹28.1544
30-10-2026
direct
Growth
₹28.1555
30-10-2026
direct
IDCW Re Investment
₹14.7282
30-10-2026
regular
Growth
₹25.4081
30-10-2026
regular
IDCW Payout
₹13.2793
30-10-2026
About Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund is a mutual fund from Aditya Birla Sun Life Mutual Fund. Its category is Credit Risk. It was launched on 17-04-2015. Its benchmark is CRISIL Credit Risk Debt B-II Index. At the end of September 2026 it held 55 securities.
Fund Manager
Sunaina Da Cunha
Fund manager of Aditya Birla Sun Life Credit Risk Fund, since 17-04-2015
Mohit Sharma
Fund manager of Aditya Birla Sun Life Credit Risk Fund, since 06-08-2020
Frequently Asked Questions for Aditya Birla Sun Life Credit Risk Fund
What is the current NAV of Aditya Birla Sun Life Credit Risk Fund?
The Direct plan NAV is ₹28.1555. The Regular plan NAV is ₹25.4081, as on 30-10-2026.
What are the returns of Aditya Birla Sun Life Credit Risk Fund?
The Direct plan returned +11.12% in 1 year, +12.89% a year over 3 years, +10.77% a year over 5 years. The Regular plan returned +10.20% in 1 year, +11.92% a year over 3 years, +9.81% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Aditya Birla Sun Life Credit Risk Fund?
The Direct plan charges 0.80% a year. The Regular plan charges 1.60% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
What is the AUM of Aditya Birla Sun Life Credit Risk Fund?
Aditya Birla Sun Life Credit Risk Fund managed ₹1,657.06 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Aditya Birla Sun Life Credit Risk Fund?
At the end of September 2026 the largest holdings were 9.10% SK Finance Ltd. (10/08/2029) (5.53%), 8.73% Eris Lifesciences Ltd. (07/06/2027) (4.47%), Jubilant Bevco Ltd. (31/05/2028) (ZCB) (4.41%), JTPM Metal Traders Ltd. (29/09/2028) (ZCB) (3.83%), 8.45% Adani Airport Holdings Ltd. (12/02/2029) (3.58%). The fund held 55 securities in all.
How do I invest in Aditya Birla Sun Life Credit Risk Fund?
Through Aditya Birla Sun Life Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹100. You can invest once or through a monthly SIP.
Who is the fund manager of Aditya Birla Sun Life Credit Risk Fund?
Sunaina Da Cunha (since 17-04-2015), Mohit Sharma (since 06-08-2020).
What is the exit load of Aditya Birla Sun Life Credit Risk Fund?
Exit load of 1%, if redeemed within 1 Year.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
Track Aditya Birla Sun Life Credit Risk Fund in WealthGamma
Add this fund once. WealthGamma updates its value every day and shows it next to your stocks, gold, deposits and loans.