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Home Mf Research Aditya Birla Sun Life Credit Risk Fund Regular Plan Growth
Aditya Birla Sun Life Mutual Fund

Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth

Debt Debt Credit Risk
Fund House : Aditya Birla Sun Life Mutual Fund
Overview
Returns
Portfolio
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI
NAV (as on 2025-06-03)
22.26 0.02%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
1.57%
Expense Ratio (Direct)
0.67%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-05-27 ₹1,000.00 ₹1,001.99
0.20 %
Two Week 2025-05-19 ₹1,000.00 ₹1,004.26
0.43 %
1 Month 2025-05-05 ₹1,000.00 ₹1,010.57
1.06 %
Three Months 2025-03-05 ₹3,000.00 ₹3,065.54
2.18 %
Six Months 2024-12-05 ₹6,000.00 ₹6,307.00
5.12 %
One Year 2024-06-03 ₹12,000.00 ₹13,168.70
9.74 %
Three Year 2022-06-06 ₹36,000.00 ₹43,597.64
21.10 %
Five Year 2020-06-04 ₹60,000.00 ₹78,581.50
30.97 %
Ten Year 2015-06-08 ₹120,000.00 ₹187,915.23
56.60 %
Since Inception 2015-04-17 ₹124,000.00 ₹194,076.51
56.51 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
Century Textiles & Industries Limited Textiles Equity 5.43
Steel Authority of India Limited Steel Equity 3.26
JSW Steel Limited Steel Equity 3.26
Hinduja Housing Finance Ltd Finance Equity 3.13
Avanse Financial Services Ltd Finance Equity 2.72
Nexus Select Trust Real Estate Equity 2.72
Arka Fincap Limited Finance Equity 2.71
Godrej Industries Limited Conglomerate Equity 2.71
DLF Home Developers Ltd Real Estate Equity 2.71
Tata Power Company Limited Energy Equity 2.71
Adani Energy Solutions Limited Energy Equity 2.71
ONGC Petro Additions Limited Petrochemicals Equity 2.71
Yes Bank Limited Finance Equity 2.70
Tata Projects Limited Engineering Equity 2.70
CreditAccess Grameen Limited Finance Equity 2.23
Summit Digitel Infrastructure Private Limited Infrastructure Equity 2.19
GIC Housing Finance Limited Finance Equity 2.17
JM Financial Products Limited Finance Equity 2.15
Sk Finance Ltd Finance Equity 1.90
Phillips Carbon Black Ltd Chemicals Equity 1.62
Eris Lifesciences Limited Pharmaceuticals Equity 1.46
Belstar Microfinance Private Limited Finance Equity 0.76
DME Development Limited Financials Debt 3.25
Piramal Capital & Housing Finance Limited Finance Debt 2.91
Century Textiles & Industries Limited Textiles Debt 5.43
Steel Authority of India Limited Steel Debt 3.26
JSW Steel Limited Steel Debt 3.26
Hinduja Housing Finance Ltd Finance Debt 3.13
Avanse Financial Services Ltd Finance Debt 2.72
Nexus Select Trust Real Estate Debt 2.72
Arka Fincap Limited Finance Debt 2.71
Godrej Industries Limited Conglomerate Debt 2.71
Tata Power Company Limited Energy Debt 2.71
Yes Bank Limited Banking Debt 2.70
Tata Projects Limited Construction Debt 2.70
CreditAccess Grameen Limited Finance Debt 2.23
Summit Digitel Infrastructure Private Limited Telecommunications Debt 2.19
GIC Housing Finance Limited Finance Debt 2.17
JM Financial Products Limited Finance Debt 2.15
SK Finance Ltd Finance Debt 1.90
Phillips Carbon Black Ltd Chemicals Debt 1.62
Eris Lifesciences Limited Pharmaceuticals Debt 2.92
Belstar Microfinance Private Limited Finance Debt 0.76
Power Finance Corporation Limited Finance Debt 0.12
DLF Cyber City Developers Limited Real Estate Debt 0.11
Government of India Government Cash Equivalents 0.92
Cash Management Bills Cash Equivalents Cash 1.86
Sharekhan Ltd Finance Cash Equivalents 0.42
Corporate Debt Market Development Fund Investment Fund Cash Equivalents 0.34
DME Development Limited Finance Cash Equivalents 1.51
Embassy Office Parks REIT REIT REIT 1.54
IRB InvIT Fund INVIT INVIT 0.66
Bharat Highways INVIT INVIT INVIT 2.05
SIP Calculator
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
3.68 years
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.
Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
  • Fund manager(s) : Ms. Sunaina Da Cunha (9.2 years), Mr. Mohit Sharma (3.9 years), Mr. Dhaval Joshi (1.6 years),
  • Expense ration regular : 1.57
  • Expense ration direct : 0.67
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹-
  • Type : debt
Exit load
{"1_year":"3.00%","2_year":"2.00%","3_year":"1.00%","after_3_year":"0%"}

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