Aditya Birla Sun Life Credit Risk Fund Regular IDCW NAV today
AMFI: 134386ISIN: INF209KA1K54MUTF_IN: ADIT_BSL_CRED_1AEZXTLAditya Birla Sun Life Mutual FundCredit Risk funds
Formerly Aditya Birla Sun Life Credit Risk Fund - No - Segregated Portfolio 1, Aditya Birla Sun Life Credit Risk Fund - No. of Segregated Portfolio - 1
NAV ₹13.2397
NAV for 23 Oct 2026. Declared once a day.
- Fund sizeAssets under management. The money the fund manages for all its investors, across every plan, at the end of the month.
- ₹1,657 CrSep 2026
- Expense ratioTotal expense ratio. What the fund charges each year as a share of the money invested, taken out of the NAV every day, so the returns shown are already after it.
- 1.60%21 Oct 2026
- Exit loadExit load. A charge, as a share of the amount redeemed, on units sold before a set period has passed since they were bought.
- 1%if sold within 1 year
- Yield to maturityYield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each.
- 8.79%30 Sep 2026
- Risk levelRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month.
- HighAug 2026
- HoldingsHoldings. The number of different securities in the fund's latest monthly portfolio: shares, bonds, money market paper and units of other funds, not cash, overnight lending or futures.
- 5530 Sep 2026
- LaunchedLaunch date. The day the fund first allotted units to investors, at the close of its new fund offer.
- 17 Apr 2015
Aditya Birla Sun Life Credit Risk Fund returns
Read from the regular plan's growth option: an IDCW plan's NAV falls by every payout, so it carries no return of its own
Over each window to 23 Oct 2026
| Over | ReturnTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). | BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back. | Rank in categoryRank in category. The fund's place among the funds of its category with a return over the same window, highest return first. | Category medianCategory median. The middle return of the funds in the category over the same window: half returned more, half less. | Middle halfMiddle half of the category. The returns of the fund a quarter of the way down the category and the fund a quarter of the way up, over the same window: half the category's funds returned between the two. |
|---|---|---|---|---|---|
| 1 week | −0.30% | – | – | – | – |
| 1 month | −0.48% | – | 8 of 13 | −0.41% | −0.6% to −0.3% |
| 3 months | +0.57% | – | 7 of 13 | +0.57% | +0.5% to +0.7% |
| 6 months | +2.85% | – | 5 of 13 | +2.57% | +2.3% to +2.9% |
| 1 year | +9.97% | +6.85%to 30 Sep 2026 | 2 of 13 | +5.88% | +4.8% to +6.2% |
| 3 years | +11.85% | +7.83%to 30 Sep 2026 | 2 of 13 | +7.74% | +7.3% to +9.6% |
| 5 years | +9.75% | +7.21%to 30 Sep 2026 | 2 of 12 | +6.93% | +6.3% to +7.4% |
| 10 years | +8.14% | +7.74%to 30 Sep 2026 | 1 of 11 | +6.69% | +5.9% to +7.3% |
₹10,000 put in on 22 Apr 2015 is ₹25,289 at the NAV of 23 Oct 2026Growth of ₹10,000. What ₹10,000 put in at the NAV of the first day would be worth at the latest NAV, after the fund's expenses and before tax and any exit load.Over a year and longer, a return is the yearly rate. Benchmark: CRISIL Credit Risk Debt B-II Index, over the same days as the fund, or to the month end its cell names. Rank, median and middle half among the Regular plans of Credit Risk funds, each fund's return to its latest NAV on or before 25 Oct 2026.
At the month end, 30 Sep 2026
| Over | FundTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). | BenchmarkBenchmark return. The change in the benchmark index's total return level over the same dates as the fund's return, as a yearly rate over a year and longer. |
|---|---|---|
| 1 year | +11.24% | +6.85% |
| 3 years | +12.09% | +7.83% |
| 5 years | +9.90% | +7.21% |
| 10 years | +8.28% | +7.74% |
| Since launch | +8.49% | +8.10% |
Benchmark: CRISIL Credit Risk Debt B-II Index. Both as the fund house states them for the month.
Return in each calendar year
- Fund, Regular GrowthCalendar year return. The change in NAV from the last NAV of one year to the last NAV of the next.
Highest year to Dec 2025, +13.4%; lowest year to Dec 2019, +2.1%
Aditya Birla Sun Life Credit Risk Fund SIP returns
₹10,000 on the 1st of every month, valued at the NAV of 23 Oct 2026
| Period | InvestedAmount invested. ₹10,000 on the 1st of every month, or the next day the fund priced, added up over the period. | Value todayValue today. What the units bought by every instalment are worth at the latest NAV. | Invested against value today | SIP returnSIP return (XIRR). The yearly rate that, applied to each monthly instalment from the day it was invested, gives the value of all the units today. | After stamp dutySIP return after stamp duty. The same SIP return with stamp duty of 0.005% taken from every instalment since 1 Jul 2020, so ₹10,000 buys ₹9,999.50 of units. | Stamp dutyStamp duty paid. The stamp duty on all the instalments, in rupees: 0.005% of each purchase made since 1 Jul 2020. |
|---|---|---|---|---|---|---|
| 1 year12 instalments | ₹1,20,000 | ₹1,24,588₹1,24,582 after stamp duty | +7.49% | +7.48% | ₹6 | |
| 3 years36 instalments | ₹3,60,000 | ₹4,26,588₹4,26,567 after stamp duty | +11.51% | +11.51% | ₹18 | |
| 5 years60 instalments | ₹6,00,000 | ₹7,86,772₹7,86,732 after stamp duty | +10.87% | +10.87% | ₹30 | |
| 10 years120 instalments | ₹12,00,000 | ₹19,09,780₹19,09,727 after stamp duty | +9.02% | +9.02% | ₹38 | |
| Since Apr 2015138 instalments | ₹13,80,000 | ₹23,36,826₹23,36,773 after stamp duty | +8.82% | +8.82% | ₹38 |
From the Regular Growth plan's NAV, since an IDCW plan's NAV falls by each payout.
Rolling returns
Per cent a year, every window from 22 Apr 2015 to 23 Oct 2026
Lowest to highestAverage
LowestLowest rolling return. The worst yearly return of any window of this length in the fund's history, one window starting on each day it priced.AverageAverage rolling return. The average of the yearly returns of every window of this length in the fund's history.HighestHighest rolling return. The best yearly return of any window of this length in the fund's history.Ended higherWindows that ended higher. The share of all the windows of this length in which the NAV ended above where it started.
1 year2,547 windows0.0%+8.5%+17.9%100.0%
3 years2,061 windows+4.2%+7.7%+12.3%100.0%
5 years1,581 windows+5.6%+7.4%+10.1%100.0%
10 years368 windows+8.1%+8.3%+8.6%100.0%
Every 1, 3, 5 and 10-year window ended higher than it started.From the Regular Growth plan's NAV, since an IDCW plan's NAV falls by each payout.
Aditya Birla Sun Life Credit Risk Fund expense ratio and exit load
Per cent of the money invested, a year. Each month shows its last day filed; the parts were redefined from Apr 2026.
- Regular over directDirect and regular plan cost gap. The regular plan's expense ratio less the direct plan's: what buying through a distributor costs each year, since both plans own the same portfolio.
- 0.80 ptsA year, on 21 Oct 2026
- Direct, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies.
- 0.80%Over the last 30 days filed
- Regular, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies.
- 1.60%Over the last 30 days filed
Total expense ratio, month by month
- Regular plan
- Direct plan
Direct plan highest 1.16%, Dec 2021.Direct plan lowest 0.67%, Sep 2025.
What the expense ratio is made of
| Part | Direct | Regular |
|---|---|---|
| Base expense ratioBase expense ratio. The part of the expense ratio that pays the fund house and the distributor, before brokerage, transaction costs, levies and GST. | 0.67% | 1.36% |
| Brokerage | 0.01% | 0.01% |
| Transaction costs | None | None |
| Statutory levies | 0.12% | 0.23% |
Per cent of assets a year, filed for 21 Oct 2026. The parts add up to that day's total.
Exit load, in the fund house's words
• For redemption / switch-out of units on or before 1 year from the date of allotment: 1.00% of applicable NAV. / • For redemption / switch-out of units after 1 year: NIL
Buying and selling
- Lump-sum purchases
- Accepted
- Minimum investmentMinimum investment. The smallest amount the plan accepts for a first purchase.
- ₹100
- Minimum top-up
- ₹100
- Minimum redemption
- ₹1
- SIP
- Accepted
- SIP minimum
- ₹100
- SIP instalments, at least
- 6
- STP, transfers to another fund
- Not accepted
- SWP, regular withdrawals
- Accepted
- Switches
- Accepted
- Lock-inLock-in. The time after each purchase during which those units cannot be sold.
- None
- SIP dates
- Any Day(1 to 31)Weekly(Monday to Friday)
As listed for this plan on 24 Oct 2026.
Aditya Birla Sun Life Credit Risk Fund AUM
₹ crore, every plan of the fund together.
- Average assetsAverage assets under management. The money the fund managed, averaged over every day of the quarter, added up across its plans.
- ₹1,569 CrQuarter to Sep 2026
- In the direct plansShare of assets in the direct plans. The direct plans' average assets for the quarter as a percentage of the fund's total; the rest is in the regular plans, bought through distributors.
- 46.5%Of the quarter's average
Average assets by quarter, by plan
- Regular plans
- Direct plans
Largest ₹7,954 Cr, quarter to Dec 2018.
Assets at each month end
Highest ₹7,318 Cr, Feb 2019.Lowest ₹914 Cr, Aug 2024.
Aditya Birla Sun Life Credit Risk Fund portfolio
Portfolio disclosed for 30 Sep 2026.
- Yield to maturityYield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each.
- 8.79%Lines stating a yield: 88.99% of the bond book
- Yield after expensesYield after expenses. The yield to maturity less the plan's expense ratio.
- 7.19%Regular plan
- Macaulay durationMacaulay duration. The weighted average time, in years, until the fund's bonds pay back their interest and principal.
- 1.77years
- Modified durationModified duration. Roughly how much the bonds' value changes, in per cent, for each one point change in interest rates.
- 1.67years
- Average maturityAverage maturity. The weighted average time, in years, until the fund's bonds are repaid.
- 2.24years
- Maturity date knownMaturity date known. The share of the bond book, perpetual bonds left out, whose repayment date is known: the bonds the durations and the maturity profile are taken over.
- 100.00%Of the bond book, perpetual bonds left out
- Perpetual bondsPerpetual bonds. Bonds with no maturity date: the issuer pays interest with no fixed day to repay. Their share of the bond book; they are in no duration and no maturity window.
- None
The bond book is the fund's bonds, bills and overnight lending.
Holdings on 30 Sep 2026
| Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. | Yield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each. | Held since. The first month end of the fund's current run of holding this position; marked "or earlier" where that month is the fund's first portfolio on record or the first after a gap in its portfolios. | ||||
|---|---|---|---|---|---|---|
| 9.10% SK Finance Ltd. (10/08/2029)IND AA-, repaid 10 Aug 2029 | Bonds and bills | 5.53% | 91.57 | 9,300 | 9.72% | Aug 2026 |
| 8.73% Eris Lifesciences Ltd. (07/06/2027)IND AA, repaid 7 Jun 2027 | Bonds and bills | 4.47% | 74.05 | 7,400 | 8.39% | Jun 2024 |
| Jubilant Bevco Ltd. (31/05/2028) (ZCB)CRISIL AA, repaid 31 May 2028 | Bonds and bills | 4.41% | 73.11 | 6,500 | 9.05% | Jun 2025 |
| JTPM Metal Traders Ltd. (29/09/2028) (ZCB)CRISIL AA, repaid 29 Sep 2028 | Bonds and bills | 3.83% | 63.42 | 5,877 | 8.82% | Sep 2025 |
| 8.45% Adani Airport Holdings Ltd. (12/02/2029)IND AA-, repaid 12 Feb 2029 | Bonds and bills | 3.58% | 59.39 | 6,000 | 9.23% | Aug 2026 |
| 5.00% GMR Airports Ltd. (13/02/2027)CRISIL AA-, repaid 13 Feb 2027 | Bonds and bills | 3.33% | 55.23 | 5,200 | 9.39% | Aug 2025 |
| Government of India (11/05/2036)Sovereign, 6.94% coupon, repaid 11 May 2036 | Bonds and bills | 3.26% | 54.10 | 55,00,000 | 7.31% | Jul 2026 |
| 7.46% REC Ltd. (30/06/2028)ICRA AAA, 7.46% coupon, repaid 30 Jun 2028 | Bonds and bills | 3.01% | 49.80 | 5,000 | 7.68% | Jul 2026 |
| 6.66% Small Industries Development Bank of India (25/10/2028)CRISIL AAA, 6.66% coupon, repaid 25 Oct 2028 | Bonds and bills | 2.95% | 48.90 | 5,000 | 7.86% | Jun 2026 |
| HDFC Bank Ltd. (15/01/2027)CARE A1+, repaid 15 Jan 2027 | Bonds and bills | 2.66% | 44.13 | 900 | 6.75% | Sep 2026 |
| 7.79% Tata Capital Housing Finance Ltd. (18/06/2030)ICRA AAA, 7.79% coupon, repaid 18 Jun 2030 | Bonds and bills | 2.66% | 44.01 | 4,467 | 8.25% | Jun 2026 |
| 9.25% Hinduja Leyland Finance Ltd. (09/07/2031)CRISIL AA+, repaid 9 Jul 2031 | Bonds and bills | 2.10% | 34.80 | 3,500 | 9.41% | Dec 2025 |
| 6.66% National Bank for Agriculture and Rural Development (12/10/2028)ICRA AAA, 6.66% coupon, repaid 12 Oct 2028 | Bonds and bills | 2.07% | 34.27 | 3,500 | 7.81% | Jan 2026 |
| Indus Infra TrustTransport Infrastructure | REIT or InvIT units | 1.96% | 32.40 | 24,93,343 | – | Feb 2024 |
| 9.50% Kogta Financial (India) Ltd. (30/10/2027)CARE AA-, repaid 30 Oct 2027 | Bonds and bills | 1.94% | 32.22 | 3,250 | 10.34% | Oct 2025 |
Weight is per cent of the fund's net assets; value in ₹ crore.
Cash and receivables on 30 Sep 2026
| Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. | ||
|---|---|---|
| TREPS | 10.24% | 169.65 |
| Net Receivable / Payable | −0.91% | −15.05 |
Weight is per cent of the fund's net assets; value in ₹ crore.
- Largest holdingLargest holding. The share of the fund in its single largest position, cash and futures not counted as positions.
- 5.53%9.10% SK Finance Ltd. (10/08/2029)
- Top 5 holdingsTop 5 holdings. The share of the fund held in its five largest positions.
- 21.82%
- Top 10 holdingsTop 10 holdings. The share of the fund held in its ten largest positions.
- 37.04%
- Effective holdingsEffective number of holdings. The number of equal-sized positions that would be as concentrated as the fund's actual weights.
- 36.3Taken over 90.67% of the fund
Asset allocation
Asset allocation. What the fund owns, by kind of asset, each as a share of its net assets; futures and options are shown beside it, not in it, since they are contracts rather than assets bought.- Bonds and bills82.74%
- REIT and InvIT units7.67%
- Units of other funds0.26%
- Cash and receivables9.33%
Per cent of the fund's net assets.
Credit rating
Credit rating. A rating agency's grade for how likely the borrower is to repay on time: AAA down to D for loans of over a year, A1+ down to A4 for loans of under a year, two scales that are never compared.Loans of over a year
- Sovereign5.75%
- AAA13.48%
- AA57.13%
- A3.72%
Loans of under a year
- A1+2.66%
Other
- Overnight lending10.24%
Per cent of the fund's net assets. A grade is stated for 100.00% of the bonds.
Maturity profile
Maturity profile. The fund's bonds grouped by how long until each is repaid, as a share of the fund's net assets; a bond with no known maturity date is left off.- Up to 1 month10.24%
- 1 to 3 months0.82%
- 3 to 6 months7.75%
- 6 to 12 months11.13%
- 1 to 3 years49.42%
- 3 to 5 years6.84%
- 5 to 10 years5.98%
- Over 10 years0.81%
Per cent of the fund's net assets, over the bonds whose maturity date is known; perpetual bonds have none.
- Largest borrowerLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 5.53%SK Finance Limited
- Top 5 borrowersLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 24.93%
- Top 10 borrowersLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 42.66%
Per cent of the fund's net assets. Lent outside the government: 76.99% of the fund, to 30 borrowers; the borrower is named for 100.00% of it, its group for 34.40%.
Bought and sold
Sep 2026 against Aug 2026, position by position.
Positions changed, month by month
- New
- Added
- Trimmed
- Sold out
- New positionsNew positions. Holdings in this month's portfolio that were not in the month before.
- 46.17% of the fund
- Sold outSold out. Holdings in last month's portfolio that are gone from this one, other than a bond or deposit repaid on its due date.
- 66.75% of the fund before
- Added toAdded to. Holdings with more units than the month before. Where the fund states no units, a weight that rose by more than a tenth.
- 3
- TrimmedTrimmed. Holdings with fewer units than the month before. Where the fund states no units, a weight that fell by more than a tenth.
- 3
- UnchangedUnchanged. Holdings with the same number of units as the month before. Their weight can still move with the price.
- 45
- Traded at leastTraded at least. The smaller of the weight bought in new positions and the weight sold out of old ones, cash left out: the least the fund must have bought and sold in the month.
- 6.17%
- Weight that movedWeight that moved. Half the sum of every position's change in weight between the two month ends, new and sold positions included; price moves alone raise it.
- 11.09%
Changes in Sep 2026
| What changed. New: not held the month before. Added or trimmed: more or fewer units than the month before, or, where no units are stated, a weight that moved by more than a tenth. Sold out: held the month before, gone now. Matured: a bond or deposit whose repayment date fell between the two portfolios, so it was repaid rather than sold (one sold in its last days reads the same). | Change in weight. The holding's weight this month less its weight the month before, in percentage points; a price move alone changes it. | ||||
|---|---|---|---|---|---|
| HDFC Bank Ltd. (15/01/2027) | New | 2.66% | 0.00% | +2.66 pts | +900 |
| 8.50% IKF Finance Ltd. (10/03/2028) | New | 1.80% | 0.00% | +1.80 pts | +30,000 |
| 9.25% SK Finance Ltd. (09/05/2027) | Sold out | – | 1.69% | −1.69 pts | −2,700 |
| State Government Securities (04/10/2035) | Sold out | – | 1.58% | −1.58 pts | −25,00,000 |
| 7.48% National Bank for Agriculture and Rural Development (15/09/2028) | Sold out | – | 1.56% | −1.56 pts | −2,500 |
| 7.02% Bajaj Housing Finance Ltd. (26/05/2028) | Sold out | – | 1.54% | −1.54 pts | −2,500 |
| 9.10% SK Finance Ltd. (10/08/2029) | Added | 5.53% | 4.01% | +1.52 pts | +2,800 |
| 7.38% REC Ltd. (28/02/2029) | Trimmed | 0.22% | 1.16% | −0.94 pts | −1,500 |
| 5.02% GMR Airports Ltd. (09/09/2029) | New | 0.90% | 0.00% | +0.90 pts | +1,500 |
| Government of India (15/04/2065) | New | 0.81% | 0.00% | +0.81 pts | +15,00,000 |
| Government of India (11/05/2036) | Added | 3.26% | 2.81% | +0.45 pts | +10,00,000 |
| 8.40% Narayana Hrudayalaya Ltd. (15/02/2030) | Trimmed | 1.50% | 1.87% | −0.36 pts | −500 |
| 7.27% National Bank for Agriculture and Rural Development (23/02/2029) | Trimmed | 1.19% | 1.55% | −0.36 pts | −500 |
| Government of India (07/07/2040) | Sold out | – | 0.30% | −0.30 pts | −5,00,000 |
| JTPM Metal Traders Ltd. (29/09/2028) (ZCB) | Added | 3.83% | 3.62% | +0.20 pts | +500 |
Weights are per cent of the fund's net assets; a change in weight is in percentage points.
Holdings month by month
| Holding | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 | Apr 26 | May 26 | Jun 26 | Jul 26 | Aug 26 | Sep 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9.10% SK Finance Ltd. (10/08/2029) | – | – | – | – | – | – | – | – | – | – | 4.01%Bought | 5.53%Added |
| 8.73% Eris Lifesciences Ltd. (07/06/2027) | 1.28% | 1.25% | 1.25% | 1.19% | 1.16% | 1.15% | 1.00% | 0.97% | 0.93% | 0.88% | 4.63%Added | 4.47% |
| Jubilant Bevco Ltd. (31/05/2028) (ZCB) | 2.97% | 2.93% | 2.95% | 3.78%Added | 3.70% | 3.68% | 3.22% | 3.13% | 4.94%Added | 4.72% | 4.54% | 4.41% |
| JTPM Metal Traders Ltd. (29/09/2028) (ZCB) | 2.73% | 2.70% | 2.72% | 2.61% | 2.55% | 2.53% | 2.22% | 2.17% | 3.94%Added | 3.77% | 3.62% | 3.83%Added |
| 8.45% Adani Airport Holdings Ltd. (12/02/2029) | – | – | – | – | – | – | – | – | – | – | 3.71%Bought | 3.58% |
| 5.00% GMR Airports Ltd. (13/02/2027) | 3.48% | 3.44% | 3.45% | 3.32% | 4.58%Added | 4.57% | 3.99% | 3.88% | 3.74% | 3.57% | 3.44% | 3.33% |
| Government of India (11/05/2036) | – | – | – | – | – | – | – | – | – | 6.91%Bought | 2.81%Cut | 3.26%Added |
| 7.46% REC Ltd. (30/06/2028) | – | – | – | – | – | – | – | – | – | 3.27%Bought | 3.12% | 3.01% |
| 6.66% Small Industries Development Bank of India (25/10/2028) | – | – | – | – | – | – | – | – | 3.38%Bought | 3.21% | 3.06% | 2.95% |
| 7.79% Tata Capital Housing Finance Ltd. (18/06/2030) | – | – | – | – | – | – | – | – | 3.07%Bought | 2.92% | 2.78% | 2.66% |
| HDFC Bank Ltd. (15/01/2027) | – | – | – | – | – | – | – | – | – | – | – | 2.66%Bought |
| 9.25% Hinduja Leyland Finance Ltd. (09/07/2031) | – | – | 3.18%Bought | 3.02% | 2.94% | 2.91% | 2.54% | 2.46% | 2.40% | 2.27% | 2.17% | 2.10% |
| 6.66% National Bank for Agriculture and Rural Development (12/10/2028) | – | – | – | 3.03%Bought | 2.95% | 2.91% | 2.53% | 2.45% | 2.37% | 2.25% | 2.15% | 2.07% |
| Indus Infra Trust | 2.00% | 1.93% | 1.92% | 1.91% | 1.90% | 1.88% | 1.71% | 1.61% | 2.49%Added | 2.15%Cut | 2.08% | 1.96% |
| 9.50% Kogta Financial (India) Ltd. (30/10/2027) | 1.62%Bought | 2.94%Added | 2.94% | 2.82% | 2.74% | 2.72% | 2.37% | 2.31% | 2.21% | 2.11% | 2.02% | 1.94% |
Per cent of the fund's net assets at each month end, Oct 2025 to Sep 2026. Under it, the change on the fund's previous month. "After a gap" is a holding after a month with no portfolio on record, so when it was bought is not known; "Not filed" is one gone across such a gap.
Risk ratios
NAV to 23 Oct 2026
Each bar runs from the lowest to the highest figure among the Regular plans of Credit Risk funds (13 funds) over the same 3 years; the tick is their average and the dot this fund.
How much the NAV moves
Standard deviationStandard deviation. How far the fund's monthly returns spread around their average, stated as a yearly figure: the wider the spread, the more the NAV moves.3.00%
1.04%Lowest2.55%Average7.42%Highest
Downside deviationDownside deviation. Standard deviation counting only the months in which the fund lost money, stated as a yearly figure.No losing month
0.00%Lowest0.13%Average0.51%Highest
Sharpe ratioSharpe ratio. The monthly return above the 91-day Treasury bill yield, divided by its standard deviation and stated for a year: the extra return for each unit of movement in the NAV.1.87
0.09Lowest1.16Average1.87Highest
Sortino ratioSortino ratio. The monthly return above the 91-day Treasury bill yield, divided by how far it fell below that yield and stated for a year: the extra return for each unit of movement on the way down.15.57
0.15Lowest5.40Average15.57Highest
From the Regular Growth plan's NAV, since an IDCW plan's NAV falls by each payout.
Largest falls
| Largest over | FallLargest fall. The biggest drop in NAV from a high to the low that followed, before the NAV went back above that high. | High on | Low on | Back at the highBack at the high. The first day the NAV closed at or above the high it had fallen from. |
|---|---|---|---|---|
| 1 and 3 years | −0.53% | 7 Oct 2026 | 23 Oct 2026 | Not yet |
| 5 years | −0.76% | 2 May 2022 | 6 May 2022 | 4 Jul 2022 |
| 10 years and since Apr 2015 | −4.00% | 19 Sep 2019 | 25 Nov 2019 | 1 Jul 2020 |
Risk level by month
| Months | FundRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month. | BenchmarkBenchmark's risk level. The riskometer level of the fund's benchmark index for the same month, on the same six-step scale as the fund's own. |
|---|---|---|
| Aug 20261 month | High | ModerateCRISIL Credit Risk Debt B-II Index |
| Mar 2025 to Jul 202617 months | High | Moderately HighCRISIL Credit Risk Debt B-II Index |
| Jan 2025 to Feb 20252 months | Moderately High | Moderately HighCRISIL Credit Risk Debt B-II Index |
| Nov 2024 to Dec 20242 months | High | Moderately HighCRISIL Credit Risk Debt B-II Index |
| Feb 2024 to Oct 20249 months | Moderately High | Moderately HighCRISIL Credit Risk Debt B-II Index |
| Jan 2023 to Jan 202413 months | Moderately High | HighCRISIL Credit Risk Debt B-II Index |
| Dec 20221 month | High | HighCRISIL Credit Risk Debt B-II Index |
| Apr 2022 to Nov 20228 months | Moderately High | HighCRISIL Credit Risk Debt B-II Index |
The riskometer at each month end, the fund's and its benchmark's. A month with none on record is left out.
Aditya Birla Sun Life Credit Risk Fund managers
Managers now
| Manager | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. | Portfolio changed after the handover. How much of the portfolio was different three months after the manager took over: half the sum of every holding's change in weight, with each side's holdings scaled to add up to 100 so a move into cash does not count. | Portfolio changed before the handover. The same measure over the three months before the manager took over, since portfolios change anyway. | Assets the manager runs. The latest monthly size of every fund the manager runs now, added up; a fund run with others counts in full for each of its managers, and the line under it counts only the funds they run alone. | ||
|---|---|---|---|---|---|---|---|---|
| Sunaina Da CunhaComanage | Apr 2015 | +8.44%a year | – | – | – | – | 4 | ₹82,472 Cr |
| Mohit SharmaComanage | Aug 2020 | +9.56%a year | – | – | 26.1% | 38.5% | 16 | ₹90,283 Cr₹1,545 Cr alone |
Returns are the regular plan's growth NAV, from the day each took over to the latest NAV, beside the benchmark over the same days.
Other funds they run
| Fund | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. | ||
|---|---|---|---|---|---|
| Aditya Birla Sun Life Liquid FundSunaina Da Cunha | Jul 2011 | – | – | – | ₹61,167 Cr |
| Aditya Birla Sun Life Ultra Short Term FundSunaina Da Cunha | Jun 2014 | +7.24%a year | – | – | ₹16,279 Cr |
| Aditya Birla Sun Life Medium Term FundSunaina Da Cunha | Sep 2014 | +8.67%a year | – | – | ₹3,370 Cr |
| Aditya Birla Sun Life Money Market FundMohit Sharma | Apr 2017 | +6.69%a year | – | – | ₹26,943 Cr |
| Aditya Birla Sun Life Arbitrage FundMohit Sharma | Mar 2025 | +6.18%a year | – | – | ₹26,933 Cr |
| Aditya Birla Sun Life Balanced Advantage FundMohit Sharma | Apr 2017 | +9.29%a year | – | – | ₹9,836 Cr |
| Aditya Birla Sun Life Ultra Short to Short Term FundMohit Sharma | Apr 2017 | +6.29%a year | – | – | ₹9,185 Cr |
| Aditya Birla Sun Life Short Term FundMohit Sharma | Aug 2020 | +6.06%a year | – | – | ₹5,966 Cr |
| Aditya Birla Sun Life Medium Term FundMohit Sharma | Aug 2020 | +11.22%a year | – | – | ₹3,370 Cr |
| Aditya Birla Sun Life Conservative Hybrid FundMohit Sharma | Oct 2024 | +4.59%a year | – | – | ₹1,467 Cr |
Up to ten funds a manager, largest first. Returns are the regular plan's.
Portfolio overlap
Funds holding the most of the same securities, by weight.
Closest funds in the category
| Portfolio overlap. The share of the two funds' portfolios that is the same: for every holding they share, the smaller of its two weights, added up. | Shared holdings. The number of securities both funds hold, cash and futures left out. | |
|---|---|---|
| Axis Credit Risk FundAxis Mutual Fund | 28.47% | 16 |
| DSP Credit Risk FundDSP Mutual Fund | 18.95% | 9 |
| ICICI Prudential Credit Risk FundICICI Prudential Mutual Fund | 18.75% | 12 |
| HDFC Credit Risk FundHDFC Mutual Fund | 16.49% | 12 |
| UTI Credit Risk FundUTI Mutual Fund | 13.85% | 10 |
| Nippon India Credit Risk FundNippon India Mutual Fund | 13.63% | 11 |
| SBI Credit Risk FundSBI Mutual Fund | 13.41% | 9 |
| HSBC Credit Risk FundHSBC Mutual Fund | 11.59% | 8 |
| Kotak Credit Risk FundKotak Mahindra Mutual Fund | 8.07% | 6 |
| Invesco India Credit Risk FundInvesco Mutual Fund | 4.97% | 4 |
Portfolios for Sep 2026. Overlap is per cent of the portfolio the two funds hold in common.
Overlap with the fund house's other funds
| Portfolio overlap. The share of the two funds' portfolios that is the same: for every holding they share, the smaller of its two weights, added up. | |
|---|---|
| Aditya Birla Sun Life Medium Term FundAditya Birla Sun Life Mutual Fund | 50.65% |
| Aditya Birla Sun Life Dynamic Term FundAditya Birla Sun Life Mutual Fund | 30.82% |
| Aditya Birla Sun Life Short Term FundAditya Birla Sun Life Mutual Fund | 14.14% |
| Aditya Birla Sun Life Ultra Short to Short Term FundAditya Birla Sun Life Mutual Fund | 13.94% |
| Aditya Birla Sun Life Ultra Short Term FundAditya Birla Sun Life Mutual Fund | 8.27% |
| Aditya Birla Sun Life Corporate Bond FundAditya Birla Sun Life Mutual Fund | 6.92% |
| Aditya Birla Sun Life Floating Interest Rate FundAditya Birla Sun Life Mutual Fund | 5.66% |
| Aditya Birla Sun Life Banking & PSU Debt FundAditya Birla Sun Life Mutual Fund | 5.15% |
| Aditya Birla Sun Life Medium to Long Term FundAditya Birla Sun Life Mutual Fund | 1.94% |
| Aditya Birla Sun Life Liquid FundAditya Birla Sun Life Mutual Fund | 0.26% |
As the fund house states it, for Sep 2026.
Aditya Birla Sun Life Credit Risk Fund dividend history
IDCW (income distribution cum capital withdrawal), once called a dividend: rupees per unit, paid to holders on the record date and taken out of the NAV.
Paid per unit, the latest payouts
- Paid per unitIDCW payout. Rupees paid out per unit to holders on the record date; the money comes out of the fund, so the plan's NAV falls by the same amount.
Largest ₹0.834 a unit, Mar 2025.
Every payout
| IDCW payout. Rupees paid out per unit to holders on the record date; the money comes out of the fund, so the plan's NAV falls by the same amount. | IDCW yield. A payout as a share of the plan's NAV on the record date, before the NAV fell by the amount paid. | NAV before | NAV after | |
|---|---|---|---|---|
| 21 Mar 2025 | ₹0.834 | 6.50% | ₹12.8377 | ₹12.0188 |
| 22 Mar 2024 | ₹0.198 | 1.75% | ₹11.3023 | ₹11.1101 |
| 22 Dec 2023 | ₹0.20 | 1.77% | ₹11.2927 | ₹11.1013 |
| 21 Sep 2023 | ₹0.197 | 1.74% | ₹11.3251 | ₹11.1255 |
| 23 Jun 2023 | ₹0.199 | 1.75% | ₹11.3529 | ₹11.1599 |
| 24 Mar 2023 | ₹0.169 | 1.50% | ₹11.2807 | ₹11.1178 |
| 23 Dec 2022 | ₹0.169 | 1.50% | ₹11.2747 | ₹11.1089 |
| 23 Sep 2022 | ₹0.141 | 1.26% | ₹11.2310 | ₹11.0906 |
| 24 Jun 2022 | ₹0.136 | 1.24% | ₹10.9352 | ₹10.8069 |
| 25 Mar 2022 | ₹0.138 | 1.25% | ₹11.0681 | ₹10.9384 |
| 24 Dec 2021 | ₹0.14 | 1.26% | ₹11.0817 | ₹10.9459 |
| 24 Sep 2021 | ₹0.138 | 1.24% | ₹11.1132 | ₹10.9750 |
All 30 payouts since 30 Sep 2016.
Changes to the fund
Newest first.
2026
- 1 AprExpenseExpense ratio stated under the new rules: a base ratio, with brokerage, levies and GST on top
Fund details
Objective
The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the Schemes' objectives will be achieved.
Asset allocation
- Under normal circumstances, the asset allocation of the Scheme will be as follows:
- Corporate Debt securities* excluding Government securities and State Development Loans - 70-100%
- Money Market Instruments - 0-20%
- Units issued by InvITs - 0-10%
*For the purpose of this Scheme, Corporate debt securities shall mean non-convertible debt securities, including debentures, bonds and such other securities of a company or a body corporate constituted by or under a Central or State Act, whether constituting a charge on the assets of the company or body corporate or not, but does not include debt securities issued by Government.
Type of scheme
An open ended debt scheme predominantly investing in AA and / below rated corporate bonds. A relatively high interest rate risk and relatively high credit risk.
- Stated category
- Debt Scheme - Credit Risk Fund
- BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back.
- CRISIL Credit Risk Debt B-II Index
- Potential risk classPotential risk class. The most risk a debt fund says it may take, as a letter and a numeral: the letter is credit risk, from A (relatively low) to C (relatively high), and the numeral is interest rate risk, from I (relatively low) to III (relatively high).
- C-III
- Risk level at launchRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month.
- High
- New fund offer
- 30 Mar 2015 to 13 Apr 2015
- Units first allotted
- 17 Apr 2015
- Open for sale again
- 18 Apr 2015
- Price at the offer
- ₹10 a unit
- Minimum at the offer
- ₹5,000
Plans and codes
| Plan | AMFI code | ISIN | ISIN, reinvestment | MUTF_IN | First NAV |
|---|---|---|---|---|---|
| Direct Growth | 134387 | INF209KA1K88 | ADIT_BSL_CRED_1050JG3 | 22 Apr 2015 | |
| Regular Growth | 134383 | INF209KA1K47 | ADIT_BSL_CRED_D1NQJS | 22 Apr 2015 | |
| Direct IDCW | 134385 | INF209KA1K96 | INF209KA1L04 | ADIT_BSL_CRED_1U5XET2 | 22 Apr 2015 |
| Regular IDCW | 134386 | INF209KA1K54 | INF209KA1K62 | ADIT_BSL_CRED_1AEZXTL | 22 Apr 2015 |
This fund
- Scheme information document (opens in a new tab)The fund's objective, terms, costs and risks in full
Factsheet
- Empower for the Month of October 2026 (opens in a new tab)Aditya Birla Sun Life Mutual Fund, Sep 2026
Statement of additional information
- SAI Aditya Birla Sun Life Mutual Fund (opens in a new tab)Aditya Birla Sun Life Mutual Fund, Oct 2026
Annual report
- Annual Report for Fixed Term Plans for the year 2025-26 (opens in a new tab)Aditya Birla Sun Life Mutual Fund, Mar 2026
- Annual Report for Matured and Closed Schemes for the year 2025-26 (opens in a new tab)Aditya Birla Sun Life Mutual Fund, Mar 2026
- Annual Report for Equity-Exchange Traded Funds and Fund of Fund Schemes for the year 2025-26 (opens in a new tab)Aditya Birla Sun Life Mutual Fund, Mar 2026
- Annual Report for Debt Schemes for the year 2025-26 (opens in a new tab)Aditya Birla Sun Life Mutual Fund, Mar 2026
Riskometer disclosure
- 06-10-2026 - Change in the Riskometer (opens in a new tab)Aditya Birla Sun Life Mutual Fund, Oct 2026
Portfolio overlap disclosure
- ABSL Portfolio Overlap - September 2026 (opens in a new tab)Aditya Birla Sun Life Mutual Fund, Sep 2026