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Aditya Birla SL Credit Risk Fund

Bonus
21.510.00% (-0.00)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

Aditya Birla SL Credit Risk Fund

Bonus
DebtCredit Risk Fund
Mid-size FundAssets Under Mgmt: ₹ 916 Cr
High RiskPrinciple investment will be at high risk
21.510.00% (-0.00)

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3Y
5Y
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Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

DebtCredit Risk Fund
Mid-size FundAssets Under Mgmt: ₹ 916 Cr
High RiskPrinciple investment will be at high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.678.215.38
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.148.205.03

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
Bonus0 yrs3.00%
Nil upto 15% of units For remaining units 3% on or before 1Y 2% after 1Y but on or before 2Y 1% after 2Y but on or before 3Y Nil after 3Y
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Not allowedNot allowed
BenchmarkBenchmark
CRISIL Credit Risk Debt Index

About Credit Risk Fund

Credit risk funds are the debt funds which majorly lend money to low rated companies. The companies have to pay higher interest for their low rating which makes the fund more riskier as compared to other debt funds.

Peers & Comparison

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Asset Allocation

Actual

Target

Dec 2023

Mar 2024

Jun 2024

Sep 2024

ACTUAL
+1 moreCash & EquivalentsFloating-rate DebtREITs & InvITGovernment SecuritiesCorporate Debt0.34%2.59%7.54%8.80%19.56%61.17%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Distribution

+8 moreConstruction & EngineeringSpecialized FinanceInvestment Banking & BrokerageDiversified ChemicalsG-Sec32.07 %10.07 %10.84 %12.17 %15.29 %19.56 %

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Weightage

Jun 23Sep 23Dec 23Mar 24Jun 24Sep 249.32%21.61%21.98%22.23%22.16%19.56%
G-Sec as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • Government of India (24/07/2037)
    Sovereign
    3M change : 0.24 %|Sovereign

    Holdings

    10.13 %

    0.24 %
  • Government of India (14/08/2033)
    Sov
    3M change : -1.82 %|Sov

    Holdings

    6.95 %

    -1.82 %
  • 8.10% Century Textiles & Industries Limited (25/04/2026) **
    CRISIL AA
    3M change : 0.01 %|CRISIL AA

    Holdings

    5.44 %

    0.01 %

AMC Profile

Aditya Birla Sun Life AMC Limited, is a joint venture between the Aditya Birla Group and the Sun Life Financial Inc. of Canada. The joint venture brings together Aditya Birla Group's experience in the Indian market and Sun Life's global experience.

  • No.of Schemes

    90

  • Total AUM

    ₹ 3,75,465.30 Cr.

Fund Manager Profile

Sunaina da Cunha

AUM:  ₹60,328.52 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 7yrs

Mohit Sharma

AUM:  ₹73,266.58 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 10yrs

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

Investment frequency

Monthly

One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
Annual Income
As per the tax implications, in some cases, tax on MF returns depends on your annual income slab

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Opinions and Fund Reviews

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