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DebtCredit Risk FundDirect · Growth

SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH

SBI · Scheme 119798

₹54.10▲ 0.01%NAV · 2026-09-18
53
Average FundScore
Start SIP
AUM
₹2,181 cr
Expense ratio
0.91%
3Y CAGR
8.8%
Risk level
Moderately High
Min SIP
₹500
Benchmark
CRISIL Credit Risk Index
Fund manager: Lokesh Mallya, Mansi SajejaExit load: For units in excess of 8% of the investment, exit load of 3% if redeemed within 12 months, 1.5% if redeemed after 12 months but within 24 months and 0.75% if re
Average · 53/100

Middle-of-the-pack — compare it against better-scored peers.

🎯 Suited to short-to-medium horizons and investors wanting stability over growth.

📈 Why it could do well

  • ✓Very consistent — delivers dependably across market cycles, ideal for SIPs.
  • ✓Positive 3Y windows: 100% of rolling 3Y windows positive
  • ✓Return stability: rolling-return std 1.4%
  • ✓Volatility: 13% annualised

📉 What could drag it down

  • •Weak risk-adjusted returns (Sharpe 0.23) — took on risk without enough payoff.
  • •3Y CAGR: +8.8%
  • •5Y CAGR: +7.8%

FundScore breakdown

53/100 · Average
How it works →
37
Returns
Weak
73
Consistency
Strong
21
Risk-adjusted
Weak
65
Downside protection
Decent
76
Cost efficiency
Strong
50
Portfolio quality
Average

Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.

SIP return calculator

Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.