AMFI Registered MFD · ARN-130934 · Mutual fund investments are subject to market risks. CA Amit Kumar Jain · +91 93522 44475 Poornima Jain · +91 92525 44475 support@plenitude.co.in

SBI CREDIT RISK FUND - Direct Plan - IDCW

SBI Mutual FundCredit Risk FundsDirect · IDCW (income distribution)Riskometer: High Risk
NAV · 15 Oct 2026₹17.1750▼ 0.05% (1 day)
Fund size (AUM) ₹2,182 Cr
Expense ratio 0.91%
1Y return+7.26%
3Y return (CAGR)+8.39%
5Y return (CAGR)+7.63%
Since launch (CAGR)+3.95%
Category rank (3Y) —
Volatility (3Y) 1.03%
Sharpe ratio (3Y) 1.83
Beta (3Y) —
52-week range₹16.0104 – ₹17.2313
Min. SIP / lump sum₹500 / ₹5,000
Launched1 Jan 2013
Lock-inNone
Portfolio turnover —
Max drawdown -27.1%

Performance chart

Past performance may or may not be sustained in future.

Quick take

  • Over 5 years it returned 7.6% a year.
  • Volatility over 3 years was 1.0% a year, with a Sharpe ratio of 1.83.
  • Its biggest fall from a peak was 27.1% (20 Mar 2020 to 24 Mar 2020).
  • Across all 3-year periods since launch, yearly returns ranged from -0.3% to 10.7% and were positive 99% of the time.
  • Expense ratio 0.91%, fund size ₹2,182 crore.

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Returns vs benchmark and category

Returns (%)1W1M3M6MYTD1Y2Y3Y5Y7Y10YSince launch
This fund-0.12%-0.06%+1.36%+3.82%+6.05%+7.26%+8.21%+8.39%+7.63%+7.28%+5.11%+3.95%

Point-to-point NAV returns as on 15 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Direct Growth plans in Credit Risk Funds. Q1 = top quarter by return over that period.

Calendar-year returns

Year2026 YTD2025202420232022202120202019201820172016
This fund+6.05%+8.62%+8.81%+9.01%+4.90%+5.61%+8.33%-0.24%+0.14%+0.69%+2.46%

January to December each year; the current year is to date.

Risk and consistency

Risk measure3 years5 years
Volatility (standard deviation) ?1.03%1.18%
Sharpe ratio ?1.830.96
Sortino ratio ?2.951.74
Maximum drawdown-0.49%-0.72%

Rolling 3-year returns (yearly)

Lowest-0.30%
Median+3.51%
Highest+10.74%
Positive99% of periods
Above 12% a year0% of periods

Rolling 5-year returns (yearly)

Lowest+0.43%
Median+3.07%
Highest+8.27%
Positive100% of periods
Above 12% a year0% of periods

Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.

SIP returns: ₹10,000 every month

SIP forInvestedValue todayGainXIRR
1Y₹1,20,000₹1,24,799₹4,799+7.47%
3Y₹3,60,000₹4,07,080₹47,080+8.14%
5Y₹6,00,000₹7,37,467₹1,37,467+8.18%
10Y₹12,00,000₹17,02,072₹5,02,072+6.80%

A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.

Compare with all Credit Risk Funds (12)

About Credit Risk Funds
Scheme (Direct plans, Growth)NAV1M6M1Y3Y5Y
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - GROWTHAditya Birla Sun Life Mutual Fund₹28.1501—————
Axis Credit Risk Fund - Direct Plan - Growth OptionAxis Mutual Fund₹26.4500—————
BANDHAN CREDIT RISK FUND - Direct Plan - GrowthBandhan Mutual Fund₹19.0633—————
BANK OF INDIA CREDIT RISK FUND - Direct Plan - GrowthBank of India Mutual Fund₹14.9467—————
DSP Credit Risk Fund - Direct Plan - GrowthDSP Mutual Fund₹60.8592—————
HDFC Credit Risk Fund - Direct Plan - Growth OptionHDFC Mutual Fund₹28.3283—————
HSBC Credit Risk Fund - Direct Plan - GrowthHSBC Mutual Fund₹37.8384—————
ICICI Prudential Credit Risk Fund - Direct Plan - GrowthICICI Prudential Mutual Fund₹38.6660—————
Invesco India Credit Risk Fund - Direct Plan - GrowthInvesco Mutual Fund₹2,346.93—————
Kotak Credit Risk Fund - Direct Plan - GrowthKotak Mahindra Mutual Fund₹36.2711—————
SBI CREDIT RISK FUND - Direct Plan - GrowthSBI Mutual Fund₹54.1262—————
UTI - Credit Risk Fund. - Direct Plan - GrowthUTI Mutual Fund₹20.8646—————

Sorted by 3-year return; tap a heading to sort. Sorting by past returns is a way to explore data, not a ranking of which fund to choose. 3Y and 5Y are yearly (CAGR).

Scheme details

Investment 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.
Fund managers
Lokesh Mallya, Prashanth Sridhar
Fund house
SBI Mutual Fund
Category
Credit Risk Funds · Debt
Plan / option
Direct · IDCW (income distribution)
AMFI scheme code
119792
ISIN
INF200K01SS0
Scheme documents
SID, KIM and factsheets (fund house website) · exit load and full portfolio are in these documents.

About Credit Risk Funds

Credit Risk Funds invest at least 65% in bonds rated AA and below. Higher interest comes with a real risk of default.

Generally used by only investors who understand and accept credit risk.

Other plans of this scheme

Questions about this scheme

What is the NAV of SBI CREDIT RISK FUND today?
The latest NAV of SBI CREDIT RISK FUND - Direct Plan - IDCW is ₹17.1750 as on 15 Oct 2026, as published by AMFI. NAVs are updated every business day evening.
What returns has SBI CREDIT RISK FUND given?
As on 15 Oct 2026: 1 year +7.26%, 3 years +8.39% a year, 5 years +7.63% a year. Past returns may or may not be sustained in future.
What is the expense ratio of SBI CREDIT RISK FUND?
The expense ratio of the Direct plan is 0.91% (as of Aug 2026). It is already deducted in the NAV.
How risky is this fund?
Its riskometer level is High Risk. Over 3 years its volatility was 1.0% a year and its biggest fall from a peak was 0.5%. Mutual fund investments are subject to market risks.
What is the difference between Direct and Regular plans?
Both plans hold the same portfolio. A Direct plan is bought straight from the fund house and has a lower expense ratio. A Regular plan is bought through a distributor, who is paid a commission from the expense ratio, so its NAV grows slightly slower.
What are Credit Risk Funds?
Credit Risk Funds invest at least 65% in bonds rated AA and below. Higher interest comes with a real risk of default.
Important. NAVs are from AMFI and mfapi.in; benchmark closes from Yahoo Finance; expense ratio, fund size and managers from published scheme data (Kuvera). Figures may be delayed; confirm with the fund house before transacting. Ranks and quartiles are positions by past return and are not a rating or recommendation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934) and earns commission from fund houses on Regular plans (see Disclosures).
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