SBI Credit Risk Fund

Mutual fund

Regular · Growth

Same portfolio. Regular plans include a distributor’s fee.

Direct · Growth0.90% a year

· AMFI 102505

₹50.02

+6.8%over 1 year

Price of one unit (NAV) on 11 November 2026

Past prices are not a forecast of anything.

Ask about this fund

Overview

Kind of fund: Credit Risk
Yearly fee: 1.54%; Since 1 September 2026
Fund size: ₹2,182 crore
Started: 1 January 2013
Exit load: For units in excess of 8% of the investment, exit load of 3% if sold within 12 months, 1.5% if sold after 12 months but within 24 months and 0.75% if sold after 24 months but within 36 months
Compared against: NIFTY Credit Risk Bond Index B-II
Plan: Regular · Growth
Holds: 51 lines, no company shares; 51 lines in all
Holdings as at: 29 September 2026

What does it hold?

Bonds and money market 89.0% · REITs and InvITs 8.9% · cash 2.1% · holdings as at 29 September 2026

1
H.G. INFRA ENGINEERING LIMITED 8.55 NCD 29AG28 FVRS1LAC
4.6%
2
NJ CAPITAL PRIVATE LIMITED SR A TR 1 9.8 NCD 25JL28 FVRS1LAC
4.5%
3
Tata Projects Ltd.
4.5%
4
RENEW SOLAR ENERGY (JHARKHAND FIVE) PRIVATE LIMITED 8.44 NCD 31AG29 FVRS1LAC
4.5%
5
JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC
4.5%
6
LODHA DEVELOPERS LIMITED 7.87 NCD 15SP29 FVRS1LAC
3.9%
7
RENSERV GLOBAL PRIVATE LIMITED 9.9040 NCD 02MY28 FVRS1LAC
3.7%
8
JSW Kalinga Steel Ltd.
3.6%
9
ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC
3.4%
10
MOTILAL OSWAL HOME FINANCE LIMITED SR 2 8.55 NCD 24MR28 FVRS1LAC
3.4%

Show all 51

11
Cholamandalam Investment & Finance Co.Ltd NCD
3.4%
12
Raajmarg Infra Investment Trust
3.2%
13
KOGTA FINANCIAL (INDIA) LIMITED 9.45 NCD 07JL28 FVRS1LAC
3.0%
14
GMR AIRPORTS LIMITED 5 BD 13AG28 FVRS1LAC
2.9%
15
GAURSONS INDIA PRIVATE LIMITED SR 1 10.96 NCD 26DC28 FVRS1LAC
2.7%
16
AVANSE FINANCIAL SERVICES LIMITED SR 45 8.8 NCD 28OT27 FVRS1LAC
2.7%
17
Repo
2.7%
18
CENTURY TEXTILES AND INDUSTRIES LIMITED 8.35 NCD 30AG27 FVRS1LAC
2.3%
19
ICICI Securities Primary Dealership Ltd. 01-10-2029
2.3%
20
Motilal Oswal Financial Services Ltd.
2.3%
21
GOVERNMENT OF INDIA 37011 364 DAYS TBILL 28JN27 FV RS 100
2.2%
22
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR III 7.40 BD 18JU31 FVRS1LAC
2.2%
23
STATE DEVELOPMENT LOAN 37129 KAR 25AG36 7.47 FV RS 100
2.2%
24
Cube Highways Trust
2.2%
25
Bharat Highways InvIT
2.2%
26
ERIS LIFESCIENCES LIMITED STRPP II 8.73 NCD 07JU27 FVRS1LAC
2.1%
27
STATE DEVELOPMENT LOAN 37684 BH 22JL41 7.66 FV RS 100
2.0%
28
ERIS LIFESCIENCES LIMITED STRPP I 8.73 NCD 07DC26 FVRS1LAC
1.8%
29
GOVERNMENT OF INDIA 37699 GOI 27JL41 7.06 FV RS 100
1.3%
30
Cash Margin
1.1%
31
INDOSTAR CAPITAL FINANCE LIMITED SR XXXI 9.25 NCD 22NV27 FVRS1LAC
1.1%
32
7.70% Small Industries Development Bank of India (10/10/2029)
1.1%
33
STATE DEVELOPMENT LOAN 37475 TN 03JU36 7.74 FV RS 100
1.1%
34
KOTAK MAHINDRA PRIME LIMITED 7.97 NCD 24AU29 FVRS1LAC
1.1%
35
GODREJ SEEDS & GENETICS LIMITED SR 1 STRPP 7.68 NCD 28JN28 FVRS1LAC
1.1%
36
GODREJ SEEDS & GENETICS LIMITED SR 2 STRPP 7.68 NCD 28AP28 FVRS1LAC
1.1%
37
GODREJ SEEDS & GENETICS LIMITED SR 3 STRPP 7.68 NCD 28JL28 FVRS1LAC
1.1%
38
GODREJ SEEDS & GENETICS LIMITED SR 4 STRPP 7.68 NCD 27OT28 FVRS1LAC
1.1%
39
STATE DEVELOPMENT LOAN 37407 UP 29AP36 7.72 FV RS 100
1.0%
40
INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 7.25 NCD 09JU31 FVRS1LAC
0.9%
41
SHEELA FOAM LIMITED STRPP IV 8.45 NCD 06OT26 FVRS1LAC
0.9%
42
MAHANAGAR TELEPHONE NIGAM LIMITED. SR VII B 7.87 LOA 01DC32 FVRS10LAC
0.7%
43
Capital Infra Trust
0.7%
44
Highways Infrastructure Trust
0.7%
45
Others Class A2 AIF
0.4%
46
CENTRAL GOVERNMENT LOAN 30814 GOI FRB 04OT28 FV RS 100
0.2%
47
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR VIII 7.49 BD 11JU29 FVRS1LAC
0.2%
48
STATE DEVELOPMENT LOAN 37386 RAJ 22AP36 7.64 FV RS 100
0.2%
49
STATE DEVELOPMENT LOAN 37382 MH 22AP34 7.55 FV RS 100
0.2%
50
IDFC First Bank Ltd. 29-09-2031
-1.1%
51
Net Payables
-1.7%

What does it cost?

1.54% a year: ₹154 on every ₹10,000 you hold.

The middle fee for Credit Risk direct plans is 0.80%.

The direct plan of this fund costs 0.90% a year.

Exit load: For units in excess of 8% of the investment, exit load of 3% if sold within 12 months, 1.5% if sold after 12 months but within 24 months and 0.75% if sold after 24 months but within 36 months

How has it done?

1 year: +6.8%
3 years, per year: +7.7%
5 years, per year: +7.0%

Worst fall so far: −27.2% (Mar 2020 to Mar 2020).

Past prices are not a forecast of anything.

Events

29 September 2026New portfolio published: holdings as at 29 September 2026.
1 September 2026Fee moved between 1.54% and 1.56% a year (5 changes, 13 May – 1 Sep 2026).
9 May 2026Fee changed from 1.72% to 1.55% a year.
8 May 2026Fee changed from 1.55% to 1.72% a year.
26 November 2025Fee moved between 1.50% and 1.55% a year (12 changes, 24 Feb 2022 – 26 Nov 2025).

Sources and dates

Holdings: Groww's page for this fund, month-end 29 September 2026
Prices: AMFI via mfapi.in, to 11 November 2026
Fee: Groww, from 1 September 2026
Company sizes: SEBI's rank by full market value, 25 September 2026