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SBI Credit Risk Fund(DD-IDCW) Direct IDCW

IDCW
₹17.220.09% (+0.01)

Scorecard

Performance

High

The creamy layer - amongst the top performing Mutual Funds

Risk

Avg

Average risk vs others in sub-category

Cost

High

Higher costs on pocket vs others

Composition

Avg

Average allocation strategy, nothing exciting

Red flags

Low

We got you covered, no major red flags identified

How to use scorecard? Learn more

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SBI Credit Risk Fund(DD-IDCW) Direct IDCW

IDCW
₹17.220.09% (+0.01)
High
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—
Low
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Returns
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1M
6M
1Y
3Y
5Y
Max
SIP
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1M
6M
1Y
3Y
5Y
Max
SIP
Debt
Credit Risk Fund

Mid-size Fund

Assets Under Mgmt: ₹ 2,185 Cr

High Risk

Principle investment will be at high risk

Scorecard

Performance

High

The creamy layer - amongst the top performing Mutual Funds

Risk

Avg

Average risk vs others in sub-category

Cost

High

Higher costs on pocket vs others

Composition

Avg

Average allocation strategy, nothing exciting

Red flags

Low

We got you covered, no major red flags identified

How to use scorecard? Learn more

Debt
Credit Risk Fund

Mid-size Fund

Assets Under Mgmt: ₹ 2,185 Cr

High Risk

Principle investment will be at high risk

SBI Credit Risk Fund(DD-IDCW) Performance & Key Metrics

SBI Credit Risk Fund(DD-IDCW) Performance & Key Metrics

No LabelNo LabelBase Expense RatioBase Exp. RatioNo LabelNo Label
0.910.763.06
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.141.868.55

SBI Credit Risk Fund(DD-IDCW) Scheme InfoSBI Credit Risk Fund(DD-IDCW) Scheme Info

PlanPlanLock inLock in
Lock in Period

Period before which your investment can't be withdrawn from the MF scheme

Exit LoadExit Load
Exit Load

The fee that the AMC charges investors at the time of exiting or redeeming their fund units.

IDCW0 yrs3.00%
Nil for 8% of investment and 3% for remaining investment on or before 12M Nil for 8% of investment and 1.5% for remaining investment after 12M but before 24M Nil for 8% of investment and 0.75% for remaining investment after 24M but before 36M Nil after 36M
SIP Inv.SIP Inv.
Sip Investment

If SIP investments are allowed in the fund or not

Min. LumpsumMin. Lumpsum
Minimum Lumpsum Inv Amount

Minimum investment the AMC allows in the given scheme via lumpsum route

Allowed₹ 5,000
Initial: ₹ 5,000 Incremental: ₹ 1,000
BenchmarkBenchmark
Benchmark Index

Benchmark index wrt which performance of the fund is tracked

NIFTY Credit Risk Bond Index

About Credit Risk Fund

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.

SBI Credit Risk Fund(DD-IDCW) Peers

SBI Credit Risk Fund(DD-IDCW) Peers & Comparison

Comparing 3 mutual funds from 
DebtCredit Risk Fund

Returns

Scheme

Ratios

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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
SBI Credit Risk Fund(DD-IDCW)8.29%8.57%3.98%
HDFC Credit Risk Fund(Q-IDCW Reinv)1.22%0.93%0.73%
ICICI Pru Credit Risk Fund(Q-IDCW Payout)0.57%1.09%1.09%
Aditya Birla SL Credit Risk Fund(IDCW Reinvest)5.89%6.41%3.44%

SBI Credit Risk Fund(DD-IDCW) Returns Comparison

Compare SBI Credit Risk Fund(DD-IDCW) with any MF, ETF, stock or index
Compare SBI Credit Risk Fund(DD-IDCW) with any MF, ETF, stock or index
SBI Credit Risk Fund(DD-IDCW)
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SBI Credit Risk Fund(DD-IDCW) Portfolio

SBI Credit Risk Fund(DD-IDCW) Asset Allocation

SBI Credit Risk Fund(DD-IDCW) Asset Allocation

Actual

Target

Dec 2025

Mar 2026

Jun 2026

Aug 2026

ACTUAL
+2 moreCommercial PaperCash & EquivalentsGovernment SecuritiesREITs & InvITCorporate Debt2.62%2.29%5.46%8.27%9.90%71.47%

Dec 2025

Mar 2026

Jun 2026

Aug 2026

Tickertape Separator

SBI Credit Risk Fund(DD-IDCW) Sector Distribution

SBI Credit Risk Fund(DD-IDCW) Sector Distribution

+11 moreConstruction & EngineeringReal EstateG-SecSpecialized FinanceOthers36.60 %9.06 %9.61 %10.50 %11.16 %23.06 %

Dec 2025

Mar 2026

Jun 2026

Aug 2026

Tickertape Separator

SBI Credit Risk Fund(DD-IDCW) Sector Weightage

SBI Credit Risk Fund(DD-IDCW) Sector Weightage

Jun 25Sep 25Dec 25Mar 26Jun 26Aug 265.92%16.80%17.56%21.12%21.51%23.06%
Others as a % of total holdings for last six quarters
Tickertape Separator

SBI Credit Risk Fund(DD-IDCW) Current Holdings

SBI Credit Risk Fund(DD-IDCW) Current Holdings

Debt

Others

Sort holdings
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    Holding Weight
    3M Change

AMC Profile of SBI Credit Risk Fund(DD-IDCW)

AMC Profile of SBI Credit Risk Fund(DD-IDCW)

With 30 years of rich experience in fund management, SBI Funds Management Ltd. (SBIFML) bring forward their expertise by consistently delivering value to their investors. They have a strong and proud lineage that traces back to the State Bank of India (SBI) - India's largest bank. They are a Joint Venture between SBI and AMUNDI (France), one of the world's leading fund management companies., SBI currently holds 63% stake in SBIFMPL. They have been actively managing their investor's assets not only through our investment expertise in domestic mutual funds, but also offshore funds and portfolio management advisory services for institutional investors.

With 30 years of rich experience in fund management, SBI Funds Management Ltd. (SBIFML) bring forward their expertise by consistently delivering value to their investors. They have a strong and proud lineage that traces back to the State Bank of India (SBI) - India's largest bank. They are a Joint Venture between SBI and AMUNDI (France), one of the world's leading fund management companies., SBI currently holds 63% stake in SBIFMPL. They have been actively managing their investor's assets not only through our investment expertise in domestic mutual funds, but also offshore funds and portfolio management advisory services for institutional investors.

  • No.of Schemes

    99

  • Total AUM

    ₹ 9,59,375.88 Cr.

SBI Credit Risk Fund(DD-IDCW) Manager Details

SBI Credit Risk Fund(DD-IDCW) Manager Details

SBI Credit Risk Fund(DD-IDCW) Manager Profile

SBI Credit Risk Fund(DD-IDCW) Manager Profile

SBI Credit Risk Fund(DD-IDCW) Manager Performance (0)

SBI Credit Risk Fund(DD-IDCW) Manager Performance (0)

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SBI Credit Risk Fund(DD-IDCW) Review & Opinions

SBI Credit Risk Fund(DD-IDCW) Review & Opinions

The content here in the form of articles and videos is for information purposes only and may have been sourced from publicly available sources or otherwise. Tickertape does not guarantee the authenticity and veracity of the material shared. The User understands and agrees that Tickertape is not aware nor liable for any content shared here.
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Frequently asked questions

  1. The current NAV of SBI Credit Risk Fund(DD-IDCW) is ₹17.22, as of 21st September 2026.

  2. The SBI Credit Risk Fund(DD-IDCW) was launched on 7th January 2013. This mutual fund's past returns are as follows:
    • 1 Year Returns: 8.29%
    • 3 Year Returns: 8.57%
    • 5 Year Returns: 7.72%

  3. The top sectors SBI Credit Risk Fund(DD-IDCW) has invested in are as follows:
    • Others | 23.06%
    • Specialized Finance | 11.16%
    • G-Sec | 10.50%
    • Real Estate | 9.61%
    • Construction & Engineering | 9.06%
    This data is as on 21st September 2026.

  4. The top 5 holdings for SBI Credit Risk Fund(DD-IDCW) are as follows:
    • Renew Solar Energy (Jharkhand Five) Pvt. Ltd. | 4.58%
    • Lodha Developers Ltd. | 4.58%
    • Tata Projects Ltd. | 4.54%
    • NJ Capital Pvt. Ltd. | 4.54%
    • H.G. Infra Engineering Ltd. | 4.52%
    This data is as on 21st September 2026.

  5. The asset allocation for SBI Credit Risk Fund(DD-IDCW) is as follows:
    • Corporate Debt | 71.47%
    • REITs & InvIT | 9.90%
    • Government Securities | 8.27%
    • Cash & Equivalents | 5.46%
    • Commercial Paper | 2.29%
    This data is as on 21st September 2026.

  6. The AUM (i.e. assets under management) of SBI Credit Risk Fund(DD-IDCW) is ₹2185.54 Cr as of 21st September 2026.

  7. The expense ratio of SBI Credit Risk Fund(DD-IDCW) Plan is 0.76 as of 21st September 2026.

  8. The alpha ratio for the SBI Credit Risk Fund(DD-IDCW) is 1.69

    Alpha is the excess return of a fund compared to its expected return, based on its beta and the risk-free rate. Positive alpha indicates that the fund has outperformed its expected return, while negative alpha suggests underperformance.

  9. The volatility or standard deviation for the SBI Credit Risk Fund(DD-IDCW) is 1.18

    Standard deviation measures the volatility or risk associated with the returns of a mutual fund. A higher standard deviation indicates higher volatility, suggesting that the returns of the mutual fund are more spread out from the average. On the other hand, a lower standard deviation implies lower volatility and a more stable performance.

  10. The Sharpe ratio for the SBI Credit Risk Fund(DD-IDCW) is 3.06

    The Sharpe ratio is a measure of risk-adjusted return that evaluates the performance of a mutual fund, by adjusting for its risk. Higher Sharpe ratio indicates a better risk-adjusted performance. A positive Sharpe ratio indicates that the MF has provided a return in excess of the risk-free rate for the amount of risk taken. Conversely, a negative Sharpe ratio suggests that the MF did not adequately compensate for the risk.

  11. The Sortino Ratio for the SBI Credit Risk Fund(DD-IDCW) is 0.40

    The Sortino ratio of a mutual fund is a measure of its risk-adjusted return, considering only downside volatility. It helps investors evaluate how well a fund is performing relative to its downside risk. A higher Sortino ratio (value >1) means the fund generates better returns for the downside risk taken.