Markets / Mutual funds / Credit Risk
SBI Mutual Fund · Debt fund · Regular plan · IDCW
Debt fund in the Credit Risk category, from SBI Mutual Fund.
Bars: this plan; the thin mark is the Credit Risk average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | +0.5 | |||||||||||
| 2025 | +0.8 | +0.4 | +1.1 | +1.1 | +0.8 | +0.5 | +0.7 | +0.2 | +0.7 | +0.6 | +0.6 | +0.3 |
| 2026 | +0.1 | +0.9 | +0.2 | +0.5 | +0.4 | +1.9 | +0.5 | +0.7 | +0.2 | -0.2 | +0.6 |
Each month's change in NAV (the current month to the latest NAV).
Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.
| Share of fund | 30 Sept 2026 | 31 Aug 2026 | Change |
|---|---|---|---|
| Debt | 85.2% | 79.7% | +5.48 |
| Money market | 2.3% | 4.5% | -2.28 |
| Cash & others | 12.1% | 15.3% | -3.20 |
Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.
| Holding | % of fund |
|---|---|
| Corporate Debt Market Development Fund-A2 INF0RQ622028 | 0.39% |
| Holding | % of fund |
|---|---|
| H.G. Infra Engineering Ltd. INE926X08015 | 4.64% |
| NJ Capital Pvt. Ltd. INE0MT207015 | 4.54% |
| Tata Projects Ltd. INE725H08287 | 4.53% |
| Renew Solar Energy (Jharkhand Five) Pvt. Ltd. INE154Z07011 | 4.53% |
| JTPM Metal Traders Ltd. INE02PE08036 | 4.45% |
| Lodha Developers Ltd. INE670K07315 | 3.93% |
| Renserv Global Pvt Ltd. INE0AY207061 | 3.67% |
| JSW JFE Kalinga Steel Ltd. INE2QI808033 | 3.58% |
| Aditya Birla Renewables Ltd. INE01QP08016 | 3.44% |
| Motilal Oswal Home Finance Ltd. INE658R07448 | 3.43% |
| Cholamandalam Investment & Finance Co. Ltd.Perpetual INE121A08QA7 | 3.37% |
| Raajmarg Infra Investment Trust INE2PB023011 | 3.22% |
| Kogta Financial (India) Ltd. INE192U07384 | 2.95% |
| GMR Airports Ltd. INE776C08075 | 2.95% |
| Gaursons India Pvt. Ltd. INE1BEC07011 | 2.75% |
| Avanse Financial Services Ltd. INE087P07501 | 2.73% |
| TREPS | 2.67% |
| Aditya Birla Real Estate Ltd. INE055A08052 | 2.30% |
| Motilal Oswal Financial Services Ltd. INE338I07214 | 2.29% |
| Small Industries Development Bank of India INE556F08LF3 | 2.25% |
| 364 DAY T-BILL 28.01.27 IN002025Z435 | 2.25% |
| 7.47% State Government of Karnataka 2036 IN1920250256 | 2.23% |
| Cube Highways Trust INE0NR623014 | 2.20% |
| Indus Infra Trust INE0NHL23019 | 2.18% |
| Eris Lifesciences Ltd. INE406M08029 | 2.06% |
| 7.66% State Government of Bihar 2041 IN1320260053 | 2.01% |
| Eris Lifesciences Ltd. INE406M08011 | 1.84% |
| 7.06% CGL 2041 IN0020260041 | 1.34% |
| Indostar Capital Finance Ltd. INE896L07AP5 | 1.15% |
| Small Industries Development Bank of India INE556F08LH9 | 1.14% |
| Kotak Mahindra Prime Ltd. INE916DA7TM9 | 1.14% |
| 7.74% State Government of Tamil Nadu 2036 IN3120260051 | 1.14% |
| Godrej Seeds & Genetics Ltd. INE316Z08022 | 1.13% |
| Godrej Seeds & Genetics Ltd. INE316Z08048 | 1.13% |
| Godrej Seeds & Genetics Ltd. INE316Z08030 | 1.13% |
| Godrej Seeds & Genetics Ltd. INE316Z08014 | 1.13% |
| 7.72% State Government of Uttar Pradesh 2036 IN3320260026 | 1.00% |
| India Infrastructure Finance Company Ltd. INE787H08220 | 0.89% |
| Sheela Foam Ltd. INE916U08012 | 0.86% |
| Mahanagar Telephone Nigam Ltd. INE153A08113 | 0.68% |
| Capital Infra Trust INE0Z8Z23013 | 0.66% |
| Vertis Infrastructure Trust INE0KXY23015 | 0.65% |
| Net Receivable / Payable | 0.56% |
| Small Industries Development Bank of India INE556F08KX8 | 0.23% |
| 6.17% CGL 2028 IN0020210160 | 0.23% |
| 7.64% State Government of Rajasthan 2036 IN2920260030 | 0.23% |
| 7.55% State Government of Maharashtra 2034 IN2220260045 | 0.20% |
From the fund house's monthly portfolio (sbimf.com), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.
Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).
| Fund size (average AUM, July - September 2026) | ₹2,184 cr across all plans · this plan ₹6.71 cr |
| Fund house | SBI Mutual Fund |
| Category | Debt · Credit Risk |
| Plan | Regular |
| Option | IDCW |
| Expense ratio (TER) | Direct 0.90% · Regular 1.54% (5 Nov 2026) |
| Scheme code (AMFI) | 102506 |
| ISIN | INF200K01693 |
| NAV date | 6 Nov 2026 |
| Plan | NAV | 1 year |
|---|---|---|
| Direct · Growth | ₹54.4612 | +7.54% |
| Direct · IDCW | ₹17.2813 | +7.54% |
| Direct · IDCW | ₹25.3440 | +7.54% |
| Regular · Growth | ₹49.9935 | +6.84% |
| Regular · IDCW | ₹16.5466 | +6.84% |
| Fund | 1 year | 3 years (a year) |
|---|---|---|
| DSP Credit Risk Fund | +9.79% | +12.93% |
| Aditya Birla Sun Life Credit Risk Fund | +10.61% | +12.09% |
| HSBC Credit Risk Fund | +5.23% | +10.82% |
| BANK OF INDIA CREDIT RISK FUND | +17.15% | +10.06% |
| BANK OF INDIA CREDIT RISK FUND | +16.65% | +9.64% |
| Axis Credit Risk Fund | +7.77% | +8.81% |
| Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1) | +7.53% | +8.39% |
| ICICI Prudential Credit Risk Fund | +6.73% | +8.29% |
Information only, not investment advice.
₹22.6013 as of 6 Nov 2026, from AMFI's official NAV data.
1 year: 6.84%, 3 years: 7.81% a year, 5 years: 7.06% a year
Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.