Aditya Birla Sun Life Credit Risk Fund Direct-Growth
Debt: Credit Risk - Growth (Open ended)
SEBI Riskometer: Moderately HighCategory: Debt: Credit RiskBenchmark: CRISIL Credit Risk Debt B-II IndexCheck Portfolio Overlap →
NAV: ₹28.07-0.08%
23 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Aditya Birla Sun Life Credit Risk Fund Direct-Growth.
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 83.00% | 85.34% | 86.85% | 86.26% | 80.92% | 76.85% |
| Others (incl. cash) | 9.33% | 6.59% | 4.76% | 5.86% | 12.00% | 15.81% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 7.67% | 8.08% | 8.40% | 7.87% | 7.08% | 7.34% |
Portfolio Snapshot
No. of Securities
56
Top Holding %
9.33%
Top 5 Holdings %
27.56%
Top 10 Holdings %
43.70%
Modified Duration
1.61 yrs
Avg. Maturity
2.20 yrs
Yield to Maturity
8.24%
AUM
₹1,657 Cr
Expense Ratio
0.80%
Since Inception
9.37%
Max Drawdown
-0.04%
Sharpe Ratio
2.25
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| SK Finance Ltd. | Financial | 9,300 | 91.57 | 5.53% | 1.52%↑ |
| Eris Lifesciences Ltd. | Healthcare | 7,400 | 74.05 | 4.47% | -0.16%↓ |
| Jubilant Bevco Ltd. | Consumer Staples | 6,500 | 73.11 | 4.41% | -0.13%↓ |
| JTPM Metal Traders Ltd. | Metals & Mining | 5,877 | 63.42 | 3.83% | 0.20%↑ |
| Adani Airport Holdings Ltd. | Services | 6,000 | 59.39 | 3.58% | -0.13%↓ |
| GMR Airports Ltd. | Construction | 5,200 | 55.23 | 3.33% | -0.10%↓ |
| GOI | Sovereign | 55,00,000 | 54.1 | 3.26% | 0.45%↑ |
| REC Ltd. | Financial | 5,000 | 49.8 | 3.01% | -0.11%↓ |
| Small Industries Devp. Bank of India Ltd. | Financial | 5,000 | 48.9 | 2.95% | -0.11%↓ |
| HDFC Bank Ltd. | Financial | 900 | 44.13 | 2.66% | - |
| Tata Capital Housing Finance Ltd. | Financial | 4,467 | 44.01 | 2.66% | -0.12%↓ |
| Hinduja Leyland Finance Ltd. | Financial | 3,500 | 34.8 | 2.10% | -0.07%↓ |
| National Bank For Agriculture & Rural Development | Financial | 3,500 | 34.27 | 2.07% | -0.08%↓ |
| Kogta Financial India Ltd. | Financial | 3,250 | 32.22 | 1.94% | -0.07%↓ |
| Gaursons India Pvt. Ltd. | Construction | 3,200 | 31.95 | 1.93% | -0.07%↓ |
| Vedanta Ltd. | Metals & Mining | 3,000 | 30.34 | 1.83% | -0.07%↓ |
| JSW Energy Ltd. | Capital Goods | 3,000 | 30.07 | 1.81% | -0.07%↓ |
| SIS Ltd. | Services | 3,000 | 29.99 | 1.81% | -0.07%↓ |
| Hero Housing Finance Ltd. | Financial | 3,000 | 29.91 | 1.80% | -0.07%↓ |
| IKF Finance Ltd. | Financial | 30,000 | 29.75 | 1.80% | - |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 31 Oct 2022 | 30 Sep 2022 | 31 Aug 2022 | 31 Jul 2022 |
|---|---|---|---|---|
| Financial | 1.28% | 1.28% | - | - |
| Construction | 0.46% | 0.46% | 0.43% | 0.42% |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AA- | 26.10% | 6.56% |
| AA | 20.28% | 18.24% |
| AAA | 13.48% | 7.80% |
| AA+ | 10.75% | 5.29% |
| Cash & Call Money | 9.33% | 25.23% |
| SOV | 5.75% | 6.78% |
| A1+ | 2.66% | 2.83% |
| A- | 1.93% | 0.51% |
| A+ | 1.79% | 1.60% |
| Others | 0.26% | 2.33% |
| A | - | 0.83% |
| B+ | - | 1.49% |
| B- | - | 2.35% |
| BBB | - | 0.73% |
| BBB+ | - | 0.04% |
| C | - | 0.01% |
| Cash | - | 0.15% |
| D | - | 0.01% |
| Term Deposits | - | 0.37% |
| Unrated | - | 0.02% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| SK Finance Ltd. | Debenture | 9.10% | 10/08/2029 | IND AA- | 5.53% |
| Eris Lifesciences Ltd. | Debenture | 8.73% | 07/06/2027 | IND AA | 4.47% |
| Jubilant Bevco Ltd. | Debenture | 0.00% | 31/05/2028 | CRISIL AA | 4.41% |
| JTPM Metal Traders Ltd. | Debenture | 0.00% | 30/04/2030 | CRISIL AA | 3.83% |
| Adani Airport Holdings Ltd. | Bonds/Debentures | 8.45% | 12/02/2029 | IND AA- | 3.58% |
| GMR Airports Ltd. | Bonds | 0.00% | 13/02/2027 | CRISIL AA- | 3.33% |
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 3.26% |
| REC Ltd. | Debenture | 7.46% | 30/06/2028 | ICRA AAA | 3.01% |
| Small Industries Devp. Bank of India Ltd. | Non Convertible Debenture | 6.66% | 25/10/2028 | CRISIL AAA | 2.95% |
| Tata Capital Housing Finance Ltd. | Non Convertible Debenture | 7.79% | 18/06/2030 | ICRA AAA | 2.66% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 15/01/2027 | CARE A1+ | 2.66% |
| Hinduja Leyland Finance Ltd. | Debenture | 9.25% | 09/07/2031 | CRISIL AA+ | 2.10% |
| National Bank For Agriculture & Rural Development | Debenture | 6.66% | 12/10/2028 | ICRA AAA | 2.07% |
| Kogta Financial India Ltd. | Debenture | 9.50% | 30/10/2027 | CARE AA- | 1.94% |
| Gaursons India Pvt. Ltd. | Non Convertible Debenture | 10.96% | 26/12/2028 | ICRA A- | 1.93% |
| Vedanta Ltd. | Debenture | 9.45% | 05/06/2028 | CRISIL AA+ | 1.83% |
| SIS Ltd. | Debenture | 8.50% | 26/03/2028 | CRISIL AA- | 1.81% |
| JSW Energy Ltd. | Debenture | 8.75% | 20/03/2028 | ICRA AA | 1.81% |
| IKF Finance Ltd. | Non Convertible Debenture | 8.50% | 10/03/2028 | IND AA- | 1.80% |
| Hero Housing Finance Ltd. | Debenture | 8.32% | 30/08/2027 | ICRA AA+ | 1.80% |
| OXYZO Financial Services Ltd. | Debenture | 9.90% | 13/03/2029 | ICRA A+ | 1.79% |
| Adani Power Ltd. | Debenture | 0.00% | 27/01/2028 | IND AA+ | 1.76% |
| Hinduja Housing FInance Ltd. | Non Convertible Debenture | 8.85% | 01/02/2027 | CARE AA+ | 1.75% |
| Telangana State | State Development Loan | 7.95% | 20/07/2035 | SOV | 1.52% |
| Narayana Hrudayalaya Ltd. | Debenture | 8.40% | 15/02/2030 | ICRA AA | 1.50% |
| Aditya Birla Digital Fashion Ventures Ltd. | Non Convertible Debenture | 0.00% | 20/07/2029 | CRISIL AA- | 1.49% |
| IKF Finance Ltd. | Debenture | 9.40% | 12/09/2027 | CARE AA- | 1.41% |
| Nuvama Wealth Finance Ltd. | Debenture | 9.75% | 16/04/2027 | CARE AA | 1.33% |
| IKF Finance Ltd. | Debenture | 0.00% | 28/04/2028 | CARE AA- | 1.29% |
| Avanse Financial Services Ltd. | Debenture | 9.60% | 30/04/2027 | CRISIL AA- | 1.21% |
| JSW Energy Ltd. | Non Convertible Debenture | 8.05% | 10/11/2028 | ICRA AA | 1.20% |
| National Bank For Agriculture & Rural Development | Debenture | 7.27% | 23/02/2029 | ICRA AAA | 1.19% |
| Adani Airport Holdings Ltd. | Debenture | 9.35% | 08/09/2028 | CRISIL AA- | 0.96% |
| Tata Projects Ltd. | Debenture | 8.35% | 22/07/2027 | IND AA | 0.90% |
| GMR Airports Ltd. | Non Convertible Debenture | 5.02% | 09/09/2029 | CRISIL AA- | 0.90% |
| GMR Airports Ltd. | Bonds | 0.00% | 13/08/2028 | CRISIL AA- | 0.84% |
| Eris Lifesciences Ltd. | Debenture | 8.73% | 07/12/2026 | IND AA | 0.82% |
| GOI | GOI Securities | 6.90% | 15/04/2065 | SOV | 0.81% |
| National Bank For Financing Infrastructure And Development | Bonds | 7.15% | 28/03/2035 | ICRA AAA | 0.75% |
| Vedanta Ltd. | Debenture | 8.95% | 16/03/2029 | CRISIL AA+ | 0.61% |
| Adani Power Ltd. | Debenture | 8.20% | 25/01/2029 | IND AA+ | 0.60% |
| Power Finance Corporation Ltd. | Debenture | 6.59% | 15/10/2030 | ICRA AAA | 0.58% |
| Cholamandalam Investment and Finance Company Ltd. | Non Convertible Debenture | 8.66% | 23/02/2033 | ICRA AA+ | 0.30% |
| REC Ltd. | Bonds | 7.38% | 28/02/2029 | ICRA AAA | 0.22% |
| Tamilnadu State | State Development Loan | 7.46% | 18/03/2035 | SOV | 0.13% |
| Power Finance Corporation Ltd. | Debenture | 8.67% | 18/11/2028 | CRISIL AAA | 0.07% |
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 0.02% |
Frequently Asked Questions
What are the top holdings of Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
The top holdings of Aditya Birla Sun Life Credit Risk Fund Direct-Growth as of 30 Sep 2026 are Others (9.33%), SK Finance Ltd. (5.53%), Eris Lifesciences Ltd. (4.47%), Jubilant Bevco Ltd. (4.41%), JTPM Metal Traders Ltd. (3.83%). These top 5 stocks together account for 27.56% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Aditya Birla Sun Life Credit Risk Fund Direct-Growth hold in its portfolio?
Aditya Birla Sun Life Credit Risk Fund Direct-Growth holds 56 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
As of 31 Oct 2022, Aditya Birla Sun Life Credit Risk Fund Direct-Growth's top sector allocations are Financial (1.28%), Construction (0.46%). You can find detailed sector allocation above.
What is the equity and debt allocation of Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
As of 30 Sep 2026, Aditya Birla Sun Life Credit Risk Fund Direct-Growth has 0.00% allocated to equity, and 83.00% to debt. You can also check the historical trends above.
What is the market cap allocation of Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
The market cap allocation of Aditya Birla Sun Life Credit Risk Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the PE ratio of Aditya Birla Sun Life Credit Risk Fund Direct-Growth's portfolio?
The portfolio PE ratio of Aditya Birla Sun Life Credit Risk Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the credit quality of Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
As of 30 Sep 2026, Aditya Birla Sun Life Credit Risk Fund Direct-Growth's debt portfolio has 13.48% in AAA-rated instruments, 20.28% in AA-rated, and 5.75% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
The latest portfolio disclosure for Aditya Birla Sun Life Credit Risk Fund Direct-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.