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Aditya Birla Sun Life Credit Risk Fund Direct-growth

Debt
High Risk

Latest AUM

₹ 1,178.2 Cr.

NAV as on 27 jul, 2026

₹ 27.90

+20.58% 3 years annulised
This Fund

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Fund Details

Fund Names Aditya Birla Sun Life Credit Risk Fund Direct-growth
Inception Date 17 Apr 2015
Lock In No Lock-in
Risk Principal at high risk
Category Average Annual Returns 10.65

Portfolio Composition Analysis

Debt 86.26%
Cash 5.86%
Portfolio Updated on: 08 Jul, 2026

Sector Allocations

Debt Other
Financial
368.82%
Industrials
117.33%
Entities
103.12%
Materials
99.62%
Healthcare
59.27%
Energy & Utilities
53.02%
Consumer Staples
33.01%
Consumer Discretionary
2.42%
Industrials
62.17%
Real Estate
17.64%

Portfolio Updated on: 27 jul, 2026

Top 10 Holdings

Name Sector Instruments Assets
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 Entities GOI Securities 7.08%
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 Entities GOI Securities 6.95%
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 Entities GOI Securities 7.19%
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 Entities GOI Securities 7.19%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC Financial Bonds 1.00%
JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC Consumer Staples Debenture 1.00%
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 Entities GOI Securities 6.83%
GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 Entities GOI Securities 1.00%
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 Entities GOI Securities 5.55%
JSW STEEL LIMITED 8.25 NCD 23DC27 FVRS10LAC Materials Debenture 5.34%

Debt & Credit Risk Analysis

Returns vs. Category (1 year)
Returns vs. Category (RSI)
Sharpe Ratio2.10%
Standard Deviation2.93%

Returns Analysis

Tenure Absolute Annualised Category Average
3 Months 2.60% NA 1.36%
6 Months 5.11% NA 6.38%
9 Months 10.18% NA 8.55%
1 Year 12.75% 12.75% 10.65%
2 Years 32.83% 15.25% 9.45%
3 Years 44.75% 13.12% 8.46%
5 Years 67.82% 10.91% 9.28%
7 Years 92.16% 9.78% NA
10 Years 146.24% 9.43% 6.47%

Aditya Birla Sun Life Credit Risk Fund Direct-growth is one Debt mutual fund offered by Aditya Birla Sun Life Mutual Fund. Launched on 17 Apr 2015, the fund aims Income with capital growth over short to medium term. Investment in portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. It manages assets worth ₹1,178.2 crore as on Tue Mar 31, 2026. The expense ratio stands at 0.79%.

Mohit Sharma has experience Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).

Sunaina da Cunha has experience Prior to joining Aditya Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.

Top Performing Mutual Funds

Fund name
Bank Of India Credit Risk Fund Direct-growth100.3+0.51%+6.95%+8.72%+17.37%+10.01%+27.74%
Bank Of India Credit Risk Fund Direct-growth100.3+0.51%+6.95%+8.72%+17.37%+10.01%+27.74%
Bank Of India Credit Risk Fund Direct-growth100.3+0.51%+6.95%+8.72%+17.37%+10.01%+27.74%
Bank Of India Credit Risk Fund Direct-growth100.3+0.51%+6.95%+8.72%+17.37%+10.01%+27.74%
Bank Of India Credit Risk Fund Direct-growth100.3+0.51%+6.95%+8.72%+17.37%+10.01%+27.74%
Bank Of India Credit Risk Fund Direct-growth100.3+0.51%+6.95%+8.72%+17.37%+10.01%+27.74%
Bank Of India Credit Risk Fund Regular-growth100.3+0.45%+6.80%+8.46%+16.85%+9.60%+27.32%
Bank Of India Credit Risk Fund Regular-growth100.3+0.45%+6.80%+8.46%+16.85%+9.60%+27.32%
Bank Of India Credit Risk Fund Regular-growth100.3+0.45%+6.80%+8.46%+16.85%+9.60%+27.32%
Bank Of India Credit Risk Fund Regular-growth100.3+0.45%+6.80%+8.46%+16.85%+9.60%+27.32%

growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns

More Funds from Aditya Birla Sun Life Mutual Fund

Fund name
Aditya Birla Sun Life Credit Risk Fund Regular-growth1,178.2+0.78%+2.40%+4.68%+11.80%+12.15%+9.96%
Aditya Birla Sun Life Credit Risk Fund Regular-growth1,178.2+0.78%+2.40%+4.68%+11.80%+12.15%+9.96%
Aditya Birla Sun Life Credit Risk Fund Regular-growth1,178.2+0.78%+2.40%+4.68%+11.80%+12.15%+9.96%
Aditya Birla Sun Life Credit Risk Fund Regular-growth1,178.2+0.78%+2.40%+4.68%+11.80%+12.15%+9.96%
Aditya Birla Sun Life Credit Risk Fund Regular-growth1,178.2+0.78%+2.40%+4.68%+11.80%+12.15%+9.96%

growth is based on 1-month returns of the funds

Top Mutual Funds

Fund name
HDFC Credit Risk Debt Fund Direct-growth6,743.1+0.70%+2.26%+4.24%+7.23%+8.20%+7.22%
HDFC Credit Risk Debt Fund Regular-growth6,743.1+0.66%+2.13%+3.98%+6.63%+7.57%+6.58%
HDFC Credit Risk Debt Fund Regular-growth6,743.1+0.66%+2.13%+3.98%+6.63%+7.57%+6.58%
HDFC Credit Risk Debt Fund Direct-growth6,743.1+0.70%+2.26%+4.24%+7.23%+8.20%+7.22%
HDFC Credit Risk Debt Fund Regular-growth6,743.1+0.66%+2.13%+3.98%+6.63%+7.57%+6.58%
HDFC Credit Risk Debt Fund Direct-growth6,743.1+0.70%+2.26%+4.24%+7.23%+8.20%+7.22%
HDFC Credit Risk Debt Fund Regular-growth6,743.1+0.66%+2.13%+3.98%+6.63%+7.57%+6.58%
HDFC Credit Risk Debt Fund Regular-growth6,743.1+0.66%+2.13%+3.98%+6.63%+7.57%+6.58%
HDFC Credit Risk Debt Fund Direct-growth6,743.1+0.70%+2.26%+4.24%+7.23%+8.20%+7.22%
HDFC Credit Risk Debt Fund Regular-growth6,743.1+0.66%+2.13%+3.98%+6.63%+7.57%+6.58%

Top funds are based on Fund AUM

Top Debt Funds

Fund name
Bank Of India Credit Risk Fund Direct-growth₹14.75+10.01%+27.74%—
Bank Of India Credit Risk Fund Direct-growth₹14.75+10.01%+27.74%—
Bank Of India Credit Risk Fund Direct-growth₹14.75+10.01%+27.74%—
Bank Of India Credit Risk Fund Direct-growth₹14.75+10.01%+27.74%—
Bank Of India Credit Risk Fund Direct-growth₹14.75+10.01%+27.74%—
Bank Of India Credit Risk Fund Direct-growth₹14.75+10.01%+27.74%—
Bank Of India Credit Risk Fund Regular-growth₹14.33+9.60%+27.32%—
Bank Of India Credit Risk Fund Regular-growth₹14.33+9.60%+27.32%—
Bank Of India Credit Risk Fund Regular-growth₹14.33+9.60%+27.32%—
Bank Of India Credit Risk Fund Regular-growth₹14.33+9.60%+27.32%—

growth is based on 5Y returns of the funds

Historical NAV

Date NAV
27 Jul 2026 ₹27.90
24 Jul 2026 ₹27.85
23 Jul 2026 ₹27.85
22 Jul 2026 ₹27.86
21 Jul 2026 ₹27.86
20 Jul 2026 ₹27.84
17 Jul 2026 ₹27.85
16 Jul 2026 ₹27.83
15 Jul 2026 ₹27.81
14 Jul 2026 ₹27.79
13 Jul 2026 ₹27.84
10 Jul 2026 ₹27.84
09 Jul 2026 ₹27.81
08 Jul 2026 ₹27.80
07 Jul 2026 ₹27.86
06 Jul 2026 ₹27.87
03 Jul 2026 ₹27.86
02 Jul 2026 ₹27.85
01 Jul 2026 ₹27.80
30 Jun 2026 ₹27.78
29 Jun 2026 ₹27.74
25 Jun 2026 ₹27.67
24 Jun 2026 ₹27.62
23 Jun 2026 ₹27.60
22 Jun 2026 ₹27.57
19 Jun 2026 ₹27.56
18 Jun 2026 ₹27.55
17 Jun 2026 ₹27.53
15 Jun 2026 ₹27.51
12 Jun 2026 ₹27.48

Portfolio Updated on: 28 Jul, 2026

Fund Growth & Size Analysis

+₹1,178.2 Cr Since Launch
This Fund
Category Average

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Aditya Birla Sun Life Credit Risk Fund Direct-growth FAQ'S

  • Sharpe Ratio: 2.10%
  • Standard Deviation: 2.93%

As of Tue Mar 31, 2026, the total assets managed under Aditya Birla Sun Life Credit Risk Fund Direct-growth stand at approximately ₹ 1,178.2 crore.

The Aditya Birla Sun Life Credit Risk Fund Direct-growth has delivered the following short-term performance:

  • 3 Months Return: 2.60%
  • 6 Months Return: 5.11%

The historical growth of the Aditya Birla Sun Life Credit Risk Fund Direct-growth is reflected through its CAGR returns:

  • 3 Year CAGR: 13.12%
  • 5 Year CAGR: 10.91%
  • Return Since Launch: 9.52%

The portfolio of Aditya Birla Sun Life Credit Risk Fund Direct-growth is distributed across different asset classes as follows:

  • Debt Instruments: 86.26%
  • Other Assets: 5.86%

The Aditya Birla Sun Life Credit Risk Fund Direct-growth is managed by Sunaina da Cunha, representing Aditya Birla Sun Life Mutual Fund.

Top stock holdings of Aditya Birla Sun Life Credit Risk Fund Direct-growth include:

  • GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 7.08% of the portfolio
  • GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 6.95% of the portfolio
  • GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 7.19% of the portfolio
  • GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 7.19% of the portfolio
  • NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC – represents 1.00% of the portfolio
  • JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC – represents 1.00% of the portfolio
  • GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 6.83% of the portfolio
  • GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 – represents 1.00% of the portfolio
  • GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 5.55% of the portfolio
  • JSW STEEL LIMITED 8.25 NCD 23DC27 FVRS10LAC – represents 5.34% of the portfolio

Major sector exposures in Aditya Birla Sun Life Credit Risk Fund Direct-growth are:

  • Financial – accounts for 368.82% of the portfolio
  • Industrials – accounts for 179.49% of the portfolio
  • Entities – accounts for 103.12% of the portfolio
  • Materials – accounts for 99.62% of the portfolio
  • Healthcare – accounts for 59.27% of the portfolio

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