Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth

Credit Risk NAV 18.2567 0 07 December, 2023

ABSL Sun Life Credit Risk Fund is an open-ended scheme that aims to generate moderate returns by investing in the credit debt securities having short to medium maturity period. The fund invest in the low rated papers to fetch higher returns. The scheme was opened for subscription on 17th April, 2015 and is suitable for moderate risk takers. By far, the fund is one of the best SIP investment plan in India.

Fund Details

Category Credit Risk
Fund Type Open Ended
Investment Plan Growth
Launch Date 05 April, 2015
Benchmark NIFTY Credit Risk Bond Index C-III
Asset Size(Cr) 1001.8402
Turn over 14%
Min Investment ₹ 100
Min SIP Investment ₹ 1000
Min Addl Investment ₹ 100
Exit Load For units in excess of 15% of the investment
Expense Ratio 1.57
Fund Manager Sunaina da Cunha, Mohit Sharma, Dhaval Joshi
Fund House Aditya Birla Sunlife Mutual Fund

Investment Returns (As on 07 Dec, 2023)

Duration Returns Benchmark Category
1 W 0.18% 0.37% 0.16%
1 M 0.94% 1.16% 0.98%
3 M 1.97% 2.56% 2.26%
6 M 3.79% 4.67% 4.05%
1 Y 8.43% 7% 5.36%
2 Y 6.72% 6.1% 9.99%
3 Y 8.77% 7.08% 9.74%
5 Y 6.36% 8.46% 4.5%

Risk Mesasures (As on 07 Dec, 2023)

Std Dev Sharpe Beta Alpha YTM AVG Maturity
Fund 2.2 2.03 6.79 1.61 8.48 2.74
Benchmark 0 0 0 0 0 0
Returns Compare with Others
  • 1Y
  • 3Y
  • 5Y

Portfolio (As on 30 Oct, 2023)

Assets Allocation

Sector Holdings
Others 6.33%

Return Calculator

  • ₹0 (0.0)
  • ₹0 (0.0)
  • ₹0 (0.0)

Disclaimer: Above returns are calculated on the basis of historical NAV movement for the selected period. However, historical performance does not guarantee future returns. Investors must take investment decisions based on his/her own requirements.

Peer Comparison

Fund Name 1 Yr Rtn. 3 Yr Rtn. 5 Yr Rtn.
Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth 8.43% 8.77% 6.36%

Fill this form now to make an investment!

Aditya Birla Sun Life Credit Risk Fund: Best Debt Fund for Stable Returns

ABSL Credit Risk Fund is the debt fund of ABSL that diversify the assets in the low-rated credit quality papers for providing capital appreciation. This fund largely ploughs the money in the corporate debt securities that have high potential of surging exceptional success rate in the future. As on 31st March, 2019 the AUM of the mutual fund is Rs. 7,279 Crore. The minimum investment required for participating in this mutual fund is Rs. 100, also the exit load is 1%, if the redemption is made within 365 days for the units in excess of 15%. This is indeed the best investment plan for higher returns.

Aditya Birla Sun Life Credit Risk Fund: Portfolio Analysis

Aditya Birla Sun Life Credit Risk Fund invests 31.71% of the corpus in the AAA rated instruments, 30.56% of the assets in the A (& below) rated instruments, 25.71% of the assets is diversified in the AA credit quality instruments. The mutual fund also dispense the cash in A1+ (5.38%), unrated instruments (4.08%), and cash equivalents (2.47%). The sector allocation of the fund is one of the main reason which makes this scheme one of the best SIP plan of India.

Aditya Birla Sun Life Credit Risk Fund: Past Performance

Since the launch, the credit bond fund of ABSL Mutual Fund has managed to deliver stable and positive returns to the investors. The 3-year annualized returns of ABSL Credit Risk Fund is 7.70%, the number clearly reflects the promising track record of the scheme. Therefore, this mutual fund is the best investment plan with higher returns.

Why to Invest in Aditya Birla Sun Life Credit Risk Fund?

  • Low Risk: The scheme invests in the corporate debt securities rather than equities which makes it less risky than the equity funds. Thus, the investors looking for a suitable investment option to park their surplus cash can consider investing in ABSL Credit Risk Fund.
  • Stable Growth: The mutual fund has been an epitome of stability over the years which is depicted by the past performance of the mutual fund. The fund managers, Mr. Maneesh Dangi and Mrs. Sunaina Da Cunha implements powerful investment strategies for minimizing the risk and maximizing the profit.
  • Trusted AMC: The scheme is sponsored by Aditya Birla Mutual Fund which is one of the oldest and the most reputed asset management company in India. The fund house has always strive to provide the best investment solution to the investor and this scheme is the result of their belief. The ABSL AMC has a team of well experienced fund managers that are proficient enough to ride out the market volatility.
  • Diversification of Portfolio: Aditya Birla Sun Life Credit Risk Fund is a perfect option that can help you in providing stability to your portfolio.

How does Aditya Birla Sun Life Credit Risk Fund Achieve Good Gains?

ABSL Credit Risk Fund achieve high returns in two ways- first, it earns interest income on the securities being hold and second, the mutual fund invests in low rated instruments and when the valuations of such paper is increased the overall returns are increased. Want to get benefited in two ways? Invest in this top SIP plan now!

What Are the Taxes Levied on ABSL Credit Risk Fund?

The returns that your investment earned within 3 years falls under short term capital gains. The STCG tax levied on this credit risk fund of ABSL mutual fund is taxed according to your tax bracket. Moreover, the returns generated after three years comes under long term capital gains. The LTCG imposed by the Government of India on this fund is 20%. However, if you wish to calculate the taxes on your annual income, you can use the TAX Calculator available on the website.

ABSL Credit Risk Fund: Lump Sum Or SIP Investment?

Both the modes of investments have their own pros and cons. If you have a detailed knowledge about the finance market then you can park your surplus cash through Lump Sum mode of investment. However, if you wish to enter the mutual fund market in a disciplined way without taking much risk, then SIP mode of Investment is your thing to do. Moreover, you can use the Lump Sum Calculator or SIP Calculator for calculating an estimated growth on your wealth. According to the financial experts, SIP (Systematic Investment Plan) can help you to gain better returns in the future along with riding out short term volatility.

Aditya Birla Sun Life Credit Risk Bond: Final Verdict

The mutual scheme is a perfect combination of consistency and growth. The fund has always maintained a healthy track record and have surged good margins as compared to the other funds of the same category. Therefore, the investors who want to earn moderate gains without exposing their assets towards equity should park their cash in ABSL Credit Risk Bond Fund.

Add to Cart Successfully
Add to Cart Successfully