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Credit Risk Mutual Funds

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.

  • ⏱ Horizon: Medium
  • 🔢 Total funds: 13
  • 💰 Total AUM: 22,007 Cr

Best performing Credit Risk Mutual Funds

NameAUM (Cr)Base Exp. Ratio (%)1Y Return3Y CAGR5Y CAGR
Bank of India Credit Risk Fund68.710.5117.20%10.07%27.80%
DSP Credit Risk Fund309.740.3410.85%16.70%13.35%
Aditya Birla SL Credit Risk Fund1,657.060.6711.97%13.07%10.85%
HSBC Credit Risk Fund441.180.706.36%11.70%9.14%
Invesco India Credit Risk Fund167.010.247.55%9.45%8.36%
ICICI Pru Credit Risk Fund6,332.590.687.54%9.03%7.95%
Nippon India Credit Risk Fund1,573.760.517.62%8.85%7.85%
SBI Credit Risk Fund2,185.540.767.77%8.47%7.67%
Axis Credit Risk Fund394.580.687.85%8.73%7.62%
HDFC Credit Risk Fund7,630.510.866.89%8.14%7.07%

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Overview of Credit Risk Mutual Funds

Bank of India Credit Risk Fund
  • AUM
    ₹ 68.71 Cr.
  • Base Exp. Ratio
    0.51%
  • 5Y CAGR
    27.8%
Performance
The fund's annualised performance has been 3.51% since inception.
Risk
The fund has been categorised as Moderate by SEBI and has a standard deviation of 7.44% vs its category average of 2.05%.
Composition
Corporate Debt makes up for the majority of the fund at 58.31% along with the largest allocation towards Miscellaneous at 26.89%.
DSP Credit Risk Fund
  • AUM
    ₹ 309.74 Cr.
  • Base Exp. Ratio
    0.34%
  • 5Y CAGR
    13.35%
Performance
The fund's annualised performance has been 9.17% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 6.23% vs its category average of 2.05%.
Composition
Corporate Debt makes up for the majority of the fund at 74.82% along with the largest allocation towards Construction & Engineering at 14.34%.
Aditya Birla SL Credit Risk Fund
  • AUM
    ₹ 1,657.06 Cr.
  • Base Exp. Ratio
    0.67%
  • 5Y CAGR
    10.85%
Performance
The fund's annualised performance has been 9.45% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 3.6% vs its category average of 2.05%.
Composition
Corporate Debt makes up for the majority of the fund at 73.04% along with the largest allocation towards Others at 20.81%.
HSBC Credit Risk Fund
  • AUM
    ₹ 441.18 Cr.
  • Base Exp. Ratio
    0.7%
  • 5Y CAGR
    9.14%
Performance
The fund's annualised performance has been 8.16% since inception.
Risk
The fund has been categorised as Moderate by SEBI and has a standard deviation of 0.88% vs its category average of 2.05%.
Composition
Corporate Debt makes up for the majority of the fund at 76.76% along with the largest allocation towards Others at 25.03%.
Invesco India Credit Risk Fund
  • AUM
    ₹ 167.01 Cr.
  • Base Exp. Ratio
    0.24%
  • 5Y CAGR
    8.36%
Performance
The fund's annualised performance has been 7.32% since inception.
Risk
The fund has been categorised as Moderate by SEBI and has a standard deviation of 1.68% vs its category average of 2.05%.
Composition
Corporate Debt makes up for the majority of the fund at 51.23% along with the largest allocation towards G-Sec at 35.42%.
ICICI Pru Credit Risk Fund
  • AUM
    ₹ 6,332.59 Cr.
  • Base Exp. Ratio
    0.68%
  • 5Y CAGR
    7.95%
Performance
The fund's annualised performance has been 8.89% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 1.3% vs its category average of 2.05%.
Composition
Corporate Debt makes up for the majority of the fund at 74.47% along with the largest allocation towards Investment Banking & Brokerage at 18.75%.
Nippon India Credit Risk Fund
  • AUM
    ₹ 1,573.76 Cr.
  • Base Exp. Ratio
    0.51%
  • 5Y CAGR
    7.85%
Performance
The fund's annualised performance has been 7.59% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 1.02% vs its category average of 2.05%.
Composition
Corporate Debt makes up for the majority of the fund at 72.43% along with the largest allocation towards Others at 26.13%.
SBI Credit Risk Fund
  • AUM
    ₹ 2,185.54 Cr.
  • Base Exp. Ratio
    0.76%
  • 5Y CAGR
    7.67%
Performance
The fund's annualised performance has been 8.6% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 1.21% vs its category average of 2.05%.
Composition
Corporate Debt makes up for the majority of the fund at 71.47% along with the largest allocation towards Others at 23.06%.
Axis Credit Risk Fund
  • AUM
    ₹ 394.58 Cr.
  • Base Exp. Ratio
    0.68%
  • 5Y CAGR
    7.62%
Performance
The fund's annualised performance has been 8.28% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 1.13% vs its category average of 2.05%.
Composition
Corporate Debt makes up for the majority of the fund at 67.91% along with the largest allocation towards Others at 33.59%.
HDFC Credit Risk Fund
  • AUM
    ₹ 7,630.51 Cr.
  • Base Exp. Ratio
    0.86%
  • 5Y CAGR
    7.07%
Performance
The fund's annualised performance has been 8.67% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 1.18% vs its category average of 2.05%.
Composition
Corporate Debt makes up for the majority of the fund at 76% along with the largest allocation towards Others at 23.72%.
This compilation has been made as and by way of an update from the publicly available sources of information.This compilation is provided for information purposes only and is not intended to be relied upon by any party as the basis of any decision.

While every effort has been made to take due care in publishing this compilation and to avoid errors or omissions, this compilation is published with a condition and understanding that the Anchorage Technologies Private Limited (ATPL) shall not be responsible for any damages, compensation or loss or action taken or abstained to be taken on the basis of this article/commentary to any person whomsoever.

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