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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: 14
  • 💰 Total AUM: 20,400 Cr

Best performing Credit Risk Mutual Funds

NameAUM (Cr)Exp Ratio (%)1Y Return3Y CAGR5Y CAGR
Bank of India Credit Risk Fund109.530.986.38%6.11%27.09%
DSP Credit Risk Fund209.550.4023.51%15.62%12.35%
Baroda BNP Paribas Credit Risk Fund189.680.859.79%8.80%10.82%
Aditya Birla SL Credit Risk Fund1,004.460.6717.80%11.42%10.38%
UTI Credit Risk Fund282.431.009.38%8.18%10.25%
HSBC Credit Risk Fund651.030.9622.11%12.10%9.66%
Nippon India Credit Risk Fund1,018.010.7010.56%9.09%9.61%
ICICI Pru Credit Risk Fund6,091.390.769.92%8.74%8.07%
Invesco India Credit Risk Fund150.410.2811.37%10.54%7.84%
HDFC Credit Risk Debt Fund7,112.011.019.35%8.23%7.82%

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Overview of Credit Risk Mutual Funds

Bank of India Credit Risk Fund
  • AUM
    ₹ 109.53 Cr.
  • Expense Ratio
    0.98%
  • 5Y CAGR
    27.09%
Performance
The fund's annualised performance has been 2.2% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 0.56% vs its category average of 3.75%.
Composition
Corporate Debt makes up for the majority of the fund at 70.5% along with the largest allocation towards Miscellaneous at 10.56%.
DSP Credit Risk Fund
  • AUM
    ₹ 209.55 Cr.
  • Expense Ratio
    0.4%
  • 5Y CAGR
    12.35%
Performance
The fund's annualised performance has been 9.11% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 8.8% vs its category average of 3.75%.
Composition
Corporate Debt makes up for the majority of the fund at 65.4% along with the largest allocation towards G-Sec at 20.04%.
Baroda BNP Paribas Credit Risk Fund
  • AUM
    ₹ 189.68 Cr.
  • Expense Ratio
    0.85%
  • 5Y CAGR
    10.82%
Performance
The fund's annualised performance has been 8.94% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 0.82% vs its category average of 3.75%.
Composition
Corporate Debt makes up for the majority of the fund at 73.67% along with the largest allocation towards Home Financing at 16.07%.
Aditya Birla SL Credit Risk Fund
  • AUM
    ₹ 1,004.46 Cr.
  • Expense Ratio
    0.67%
  • 5Y CAGR
    10.38%
Performance
The fund's annualised performance has been 9.2% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 4.59% vs its category average of 3.75%.
Composition
Corporate Debt makes up for the majority of the fund at 73.51% along with the largest allocation towards Others at 15.96%.
UTI Credit Risk Fund
  • AUM
    ₹ 282.43 Cr.
  • Expense Ratio
    1%
  • 5Y CAGR
    10.25%
Performance
The fund's annualised performance has been 5.33% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 0.86% vs its category average of 3.75%.
Composition
Corporate Debt makes up for the majority of the fund at 65.12% along with the largest allocation towards G-Sec at 18.22%.
HSBC Credit Risk Fund
  • AUM
    ₹ 651.03 Cr.
  • Expense Ratio
    0.96%
  • 5Y CAGR
    9.66%
Performance
The fund's annualised performance has been 8.34% since inception.
Risk
The fund has been categorised as Moderate by SEBI and has a standard deviation of 11.26% vs its category average of 3.75%.
Composition
Corporate Debt makes up for the majority of the fund at 83.3% along with the largest allocation towards Construction & Engineering at 13.86%.
Nippon India Credit Risk Fund
  • AUM
    ₹ 1,018.01 Cr.
  • Expense Ratio
    0.7%
  • 5Y CAGR
    9.61%
Performance
The fund's annualised performance has been 7.6% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 0.82% vs its category average of 3.75%.
Composition
Corporate Debt makes up for the majority of the fund at 82.94% along with the largest allocation towards Others at 23.45%.
ICICI Pru Credit Risk Fund
  • AUM
    ₹ 6,091.39 Cr.
  • Expense Ratio
    0.76%
  • 5Y CAGR
    8.07%
Performance
The fund's annualised performance has been 8.98% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 1.07% vs its category average of 3.75%.
Composition
Corporate Debt makes up for the majority of the fund at 72.38% along with the largest allocation towards Specialized Finance at 13.35%.
Invesco India Credit Risk Fund
  • AUM
    ₹ 150.41 Cr.
  • Expense Ratio
    0.28%
  • 5Y CAGR
    7.84%
Performance
The fund's annualised performance has been 7.34% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 1.87% vs its category average of 3.75%.
Composition
Corporate Debt makes up for the majority of the fund at 58.98% along with the largest allocation towards G-Sec at 33.56%.
HDFC Credit Risk Debt Fund
  • AUM
    ₹ 7,112.01 Cr.
  • Expense Ratio
    1.01%
  • 5Y CAGR
    7.82%
Performance
The fund's annualised performance has been 8.86% since inception.
Risk
The fund has been categorised as High by SEBI and has a standard deviation of 0.93% vs its category average of 3.75%.
Composition
Corporate Debt makes up for the majority of the fund at 78.76% along with the largest allocation towards Construction & Engineering at 14.67%.
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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