TickerKhojAditya Birla Sun Life Mutual Fund · Debt · Credit Risk · Direct plan
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth
₹28.2196NAV on 2 Nov 2026Expense ratio 0.81%
3 Nov 2025NAV low 25.37 · high 28.22+11.2%
In plain words
Over 3 years it returned +12.9% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -0.5%.
On 3-year return it ranks 2 of 13 funds in Credit Risk.
A monthly SIP over 10 years ended ₹97,317 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 | +0.2% | +1.9% |
| 3 months | +1.0% | -5.1% |
| 6 months | +3.9% | -3.2% |
| 1 year | +11.3% | -10.2% |
| 3 years (yearly) | +12.9% | +7.4% |
| 5 years (yearly) | +10.8% | +6.5% |
| 10 years (yearly) | +9.2% | +11.3% |
| Since start (yearly) | +9.4% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,25,805 | +9.0% |
| 3 years | ₹3,60,000 | ₹4,34,816 | +12.6% |
| 5 years | ₹6,00,000 | ₹8,09,856 | +11.9% |
| 10 years | ₹12,00,000 | ₹20,17,040 | +10.0% |
Top holdings (30 Sept 2026)
Fund size ₹1,657 crore · 56 holdings · 1057675010.4% in equity
| Company | Industry | Weight |
|---|---|---|
| 9.80% IL&FS Tamil Nadu Power Company Limited (14/03/2021) | 0 | 1057675010.38% |
| 9.10% SK Finance Ltd. (10/08/2029) ** | IND AA- | 0.06% |
| 8.73% Eris Lifesciences Ltd. (07/06/2027) ** | IND AA | 0.04% |
| Jubilant Bevco Ltd. (31/05/2028) (ZCB) | CRISIL AA | 0.04% |
| JTPM Metal Traders Ltd. (29/09/2028) (ZCB) ** | CRISIL AA | 0.04% |
| 8.45% Adani Airport Holdings Ltd. (12/02/2029) ** | IND AA- | 0.04% |
| 5.00% GMR Airports Ltd. (13/02/2027) ** | CRISIL AA- | 0.03% |
| 7.46% REC Ltd. (30/06/2028) ** | ICRA AAA | 0.03% |
| 6.66% Small Industries Development Bank of India (25/10/2028) ** | CRISIL AAA | 0.03% |
| 7.79% Tata Capital Housing Finance Ltd. (18/06/2030) ** | ICRA AAA | 0.03% |
| Government of India (11/05/2036) | Sovereign | 0.03% |
| HDFC Bank Ltd. (15/01/2027) # | CARE A1+ | 0.03% |
| 9.25% Hinduja Leyland Finance Ltd. (09/07/2031) | CRISIL AA+ | 0.02% |
| 6.66% National Bank for Agriculture and Rural Development (12/10/2028) ** | ICRA AAA | 0.02% |
| 9.50% Kogta Financial (India) Ltd. (30/10/2027) ** | CARE AA- | 0.02% |
Largest industries: 0 1057675010.4%, IND AA- 0.1%, ICRA AAA 0.1%, CRISIL AA- 0.1%, CRISIL AA 0.1%, IND AA 0.1%.
Other plan of this fund: Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth