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Home Mf Research Sbi Credit Risk Fund Growth
SBI Mutual Fund

SBI Credit Risk Fund Growth

Debt Debt Credit Risk
Fund House : SBI Mutual Fund
Overview
Returns
Portfolio
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • SI
NAV (as on 2007-07-18)
11.94 0.20%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
-%
Expense Ratio (Direct)
-%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2007-07-11 ₹1,000.00 ₹1,005.84
0.58 %
Two Week 2007-07-03 ₹1,000.00 ₹1,012.13
1.21 %
One Month 2007-06-18 ₹1,000.00 ₹1,014.54
1.45 %
Three Months 2007-04-19 ₹3,000.00 ₹3,055.85
1.86 %
Six Months 2007-01-19 ₹6,000.00 ₹6,160.88
2.68 %
One Year 2006-07-18 ₹12,000.00 ₹12,541.05
4.51 %
Three Year 2004-07-19 ₹36,000.00 ₹39,900.03
10.83 %
Five Year 2002-07-19 ₹60,000.00 ₹68,634.10
14.39 %
Since Inception 2000-01-03 ₹92,000.00 ₹106,662.82
15.94 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
Cube Highways Trust Transport Infrastructure Debt 2.67
Aadhar Housing Finance Ltd. - Debt 5.04
Nirma Ltd. - Debt 4.98
Renew Solar Energy (Jharkhand Five) Pvt. Ltd. - Debt 4.78
Infopark Properties Ltd. - Debt 4.73
Aditya Birla Real Estate Ltd. - Debt 3.86
Sandur Manganese & Iron Ores Ltd. - Debt 3.73
Avanse Financial Services Ltd. - Debt 3.58
Renserv Global Pvt Ltd. - Debt 3.56
Aditya Birla Renewables Ltd. - Debt 3.41
Motilal Oswal Home Finance Ltd. - Debt 3.38
JSW Steel Ltd. - Debt 3.36
Vistaar Financial Services Pvt Ltd. - Debt 3.35
Ashoka Buildcon Ltd. - Debt 0.22
Nuvoco Vistas Corporation Ltd. - Debt 3.35
Indostar Capital Finance Ltd. - Debt 3.13
Yes Bank Ltd.( Tier II Bond under Basel III ) - Debt 2.86
Tata Projects Ltd. - Debt 2.26
Prestige Projects Pvt. Ltd. - Debt 2.24
Eris Lifesciences Ltd. - Debt 1.81
Grihum Housing Finance Ltd. - Debt 1.17
Yes Bank Ltd. - Debt 0.89
Sheela Foam Ltd. - Debt 0.84
Latur Renewable Pvt. Ltd. - Debt 0.75
Mahanagar Telephone Nigam Ltd. - Debt 0.68
7.23% CGL 2039 - Debt 9.08
6.79% CGL 2034 - Debt 3.69
7.26% CGL 2032 - Debt 1.90
Corporate Debt Market Development Fund-A2 - Debt 0.35
TREPS - Debt 4.90
Net Receivable / Payable - - 2.36
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
-
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) : Mr. Lokesh Mallya (Over 17 years), Mr. Adesh Sharma (Over 15 years), Mr. Pradeep Kesavan (Over 18 years),
  • Expense ration regular : -
  • Expense ration direct : -
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹500.00
  • Type : debt
Exit load
For exit within 12 months: Nil for 8% of the investment, 3% for the remaining; For exit after 12 months but within 24 months: Nil for 8% of the investment, 1.5% for the remaining; For exit after 24 months but within 36 months: Nil for 8% of the investment, 0.75% for the remaining; For exit after 36 months: Nil

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