NSE ScannerSBI Mutual Fund · Debt · Credit Risk · Direct plan
SBI CREDIT RISK FUND - Direct Plan - Growth
₹54.1184NAV on 31 Oct 2026Expense ratio 0.90%
30 Oct 2025NAV low 50.5 · high 54.3+7.2%
In plain words
Over 3 years it returned +8.3% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -0.6%.
On 3-year return it ranks 10 of 13 funds in Credit Risk.
A monthly SIP over 10 years ended ₹63,951 higher in the direct plan than the regular plan, because of the lower expense ratio.
Past returns, not a promise of future returns or a recommendation.
Returns vs benchmark
| Period | Fund | Benchmark |
|---|---|---|
| 1 month | -0.1% | +1.9% |
| 3 months | +0.9% | -5.1% |
| 6 months | +3.9% | -3.2% |
| 1 year | +7.1% | -10.2% |
| 3 years (yearly) | +8.3% | +7.4% |
| 5 years (yearly) | +7.6% | +6.5% |
| 10 years (yearly) | +7.7% | +11.3% |
| Since start (yearly) | +8.6% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,25,120 | +7.0% |
| 3 years | ₹3,60,000 | ₹4,08,237 | +7.9% |
| 5 years | ₹5,90,000 | ₹7,24,900 | +8.1% |
| 10 years | ₹11,90,000 | ₹17,77,471 | +7.7% |
Top holdings (30 Sept 2026)
Fund size ₹2,182 crore · 46 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| H.G. Infra Engineering Ltd. | [ICRA]AA- | 4.64% |
| NJ Capital Pvt. Ltd. | [ICRA]AA- | 4.54% |
| Tata Projects Ltd. | IND AA | 4.53% |
| Renew Solar Energy (Jharkhand Five) Pvt. Ltd. | CARE AA | 4.53% |
| JTPM Metal Traders Ltd. | CRISIL AA | 4.45% |
| Lodha Developers Ltd. | CRISIL AA | 3.93% |
| Renserv Global Pvt Ltd. | CARE A(CE) | 3.67% |
| JSW JFE Kalinga Steel Ltd. | CRISIL AA | 3.58% |
| Aditya Birla Renewables Ltd. | CRISIL AA | 3.44% |
| Motilal Oswal Home Finance Ltd. | [ICRA]AA+ | 3.43% |
| Cholamandalam Investment & Finance Co. Ltd.Perpetual | [ICRA]AA | 3.37% |
| Raajmarg Infra Investment Trust | Transport Infrastructure | 3.22% |
| Kogta Financial (India) Ltd. | CARE AA- | 2.95% |
| GMR Airports Ltd. | CRISIL AA- | 2.95% |
| Gaursons India Pvt. Ltd. | [ICRA]A- | 2.75% |
Largest industries: CRISIL AA 22.2%, IND AA 12.0%, Sovereign 10.6%, [ICRA]AA- 9.2%, Transport Infrastructure 8.3%, CRISIL AAA 4.8%.
Other plan of this fund: SBI CREDIT RISK FUND - Regular Plan - Growth