Based on 1-year returns, the top performing Credit Risk funds are Bank of India Credit Risk Fund Direct-Growth with 17.40% return, Aditya Birla Sun Life Credit Risk Fund Direct-Growth with 12.84% return, and DSP Credit Risk Fund Direct Plan-Growth with 10.86% return. The category average 1-year return is 8.73%.
Credit Risk Funds
Credit risk debt funds invest in below-highest-rated corporate bonds. They don't follow a tenure-based specification. But they have to invest a minimum of 65% of total assets in corporate bonds.
Total Schemes
23
No. of schemes
Total AUM
₹ 0.22Lakh Cr
As on latest
Category Return (5Y)
10.10 %
CAGR
Benchmark Data
NA
This category currently has no benchmark assigned.
Category Returns (%)
| Period | 1M | 6M | 1Y | 3Y CAGR | 5Y CAGR | 10Y CAGR | YTD |
|---|---|---|---|---|---|---|---|
Credit Risk | 0.89 % | 4.83 % | 8.73 % | 9.79 % | 10.10 % | 7.24 % | 5.49 % |
Benchmark Not Available No benchmark assigned | - | - | - | - | - | - | - |
About Credit Risk Funds
What is it?
Credit risk debt funds invest in below-highest-rated corporate bonds. They don't follow a tenure-based specification. But they have to invest a minimum of 65% of total assets in corporate bonds.
Objective
These funds aim to provide higher returns than normal corporate bond funds by investing primarily in corporate bonds with low credit ratings.
Suitability and opinion
These funds are suitable for moderate to high risk investors looking to generate higher returns by investing in risky debt assets These funds are the riskiest among debt funds. But we believe that investors should avoid this category. if investors want to take high risk then some portion of the portfolio can be allocated to equity. If they want debt exposure, then liquid funds and short-duration funds are the two most suitable choices.
Credit Risk vs Other Categories
5Y CAGR Return Comparison
Key Insights
Credit Risk delivered 10.10% CAGR over the last 5 years.
It ranks #1 out of 18 categories based on 5Y performance.
Above the category average return of 6.61%.
0 categories outperform it, while 17 categories have lower returns.
Top performer: Credit Risk (10.10%).
Lowest performer: Overnight (5.63%).
Let's have a closer look
Now let us jump and check about these top 15 mutual fund schemes.
HDFC Credit Risk Debt Fund Direct-Growth
Fund Performance: HDFC Credit Risk Debt Fund Direct-Growth has given 8.21% annualized returns in the past three years and 7.21% in the last 5 years. The HDFC Credit Risk Debt Fund Direct-Growth comes under the Debt category of HDFC Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in HDFC Credit Risk Debt Fund Direct-Growth via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 100.00
AUM
₹ 7,693.35Cr
1Y Returns
7.26%
Expense Ratio
1.01%
ICICI Prudential Credit Risk Fund Direct Plan-Growth
Fund Performance: ICICI Prudential Credit Risk Fund Direct Plan-Growth has given 9.10% annualized returns in the past three years and 8.02% in the last 5 years. The ICICI Prudential Credit Risk Fund Direct Plan-Growth comes under the Debt category of ICICI Prudential Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in ICICI Prudential Credit Risk Fund Direct Plan-Growth via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 100.00
AUM
₹ 6,212.04Cr
1Y Returns
8.58%
Expense Ratio
0.77%
SBI Credit Risk Fund Direct-Growth
Fund Performance: SBI Credit Risk Fund Direct-Growth has given 8.49% annualized returns in the past three years and 7.74% in the last 5 years. The SBI Credit Risk Fund Direct-Growth comes under the Debt category of SBI Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in SBI Credit Risk Fund Direct-Growth via lump sum is ₹ 5,000.00 and via SIP is ₹ 500.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 2,174.86Cr
1Y Returns
7.76%
Expense Ratio
0.91%
Nippon India Credit Risk Fund Direct-Growth
Fund Performance: Nippon India Credit Risk Fund Direct-Growth has given 8.97% annualized returns in the past three years and 7.97% in the last 5 years. The Nippon India Credit Risk Fund Direct-Growth comes under the Debt category of Nippon India Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in Nippon India Credit Risk Fund Direct-Growth via lump sum is ₹ 500.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 500.00
AUM
₹ 1,486.26Cr
1Y Returns
7.82%
Expense Ratio
0.60%
Aditya Birla Sun Life Credit Risk Fund Direct-Growth
Fund Performance: Aditya Birla Sun Life Credit Risk Fund Direct-Growth has given 13.12% annualized returns in the past three years and 10.91% in the last 5 years. The Aditya Birla Sun Life Credit Risk Fund Direct-Growth comes under the Debt category of Aditya Birla Sun Life Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in Aditya Birla Sun Life Credit Risk Fund Direct-Growth via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 100.00
AUM
₹ 1,461.39Cr
1Y Returns
12.84%
Expense Ratio
0.79%
Kotak Credit Risk Fund Direct-Growth
Fund Performance: Kotak Credit Risk Fund Direct-Growth has given 8.60% annualized returns in the past three years and 6.86% in the last 5 years. The Kotak Credit Risk Fund Direct-Growth comes under the Debt category of Kotak Mahindra Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in Kotak Credit Risk Fund Direct-Growth via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 100.00
AUM
₹ 767.90Cr
1Y Returns
7.86%
Expense Ratio
0.80%
HSBC Credit Risk Fund Direct-Growth
Fund Performance: HSBC Credit Risk Fund Direct-Growth has given 11.82% annualized returns in the past three years and 9.49% in the last 5 years. The HSBC Credit Risk Fund Direct-Growth comes under the Debt category of HSBC Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in HSBC Credit Risk Fund Direct-Growth via lump sum is ₹ 5,000.00 and via SIP is ₹ 1,000.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 470.01Cr
1Y Returns
6.28%
Expense Ratio
0.97%
Axis Credit Risk Fund Direct-Growth
Fund Performance: Axis Credit Risk Fund Direct-Growth has given 8.78% annualized returns in the past three years and 7.72% in the last 5 years. The Axis Credit Risk Fund Direct-Growth comes under the Debt category of Axis Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in Axis Credit Risk Fund Direct-Growth via lump sum is ₹ 5,000.00 and via SIP is ₹ 1,000.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 361.56Cr
1Y Returns
8.45%
Expense Ratio
0.82%
DSP Credit Risk Fund Direct Plan-Growth
Fund Performance: DSP Credit Risk Fund Direct Plan-Growth has given 16.86% annualized returns in the past three years and 13.25% in the last 5 years. The DSP Credit Risk Fund Direct Plan-Growth comes under the Debt category of DSP Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in DSP Credit Risk Fund Direct Plan-Growth via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 100.00
AUM
₹ 275.31Cr
1Y Returns
10.86%
Expense Ratio
0.46%
UTI Credit Risk Fund Direct-Growth
Fund Performance: UTI Credit Risk Fund Direct-Growth has given 7.82% annualized returns in the past three years and 10.20% in the last 5 years. The UTI Credit Risk Fund Direct-Growth comes under the Debt category of UTI Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in UTI Credit Risk Fund Direct-Growth via lump sum is ₹ 500.00 and via SIP is ₹ 500.00.
Min Investment Amt
₹ 500.00
AUM
₹ 254.24Cr
1Y Returns
6.52%
Expense Ratio
1.04%
Bandhan Credit Risk Fund Direct-Growth
Fund Performance: Bandhan Credit Risk Fund Direct-Growth has given 7.33% annualized returns in the past three years and 6.47% in the last 5 years. The Bandhan Credit Risk Fund Direct-Growth comes under the Debt category of Bandhan Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in Bandhan Credit Risk Fund Direct-Growth via lump sum is ₹ 1,000.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 1,000.00
AUM
₹ 230.85Cr
1Y Returns
5.72%
Expense Ratio
0.67%
UTI Credit Risk Fund Segregated Portfolio 2 Direct-Growth
Fund Performance: The UTI Credit Risk Fund Segregated Portfolio 2 Direct-Growth comes under the Debt category of UTI Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in UTI Credit Risk Fund Segregated Portfolio 2 Direct-Growth via lump sum is ₹ 5,000.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 186.25Cr
1Y Returns
--
Expense Ratio
-
Baroda BNP Paribas Credit Risk Fund Direct-Growth
Fund Performance: Baroda BNP Paribas Credit Risk Fund Direct-Growth has given 8.34% annualized returns in the past three years and 9.31% in the last 5 years. The Baroda BNP Paribas Credit Risk Fund Direct-Growth comes under the Debt category of Baroda BNP Paribas Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in Baroda BNP Paribas Credit Risk Fund Direct-Growth via lump sum is ₹ 5,000.00 and via SIP is ₹ 500.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 177.42Cr
1Y Returns
6.89%
Expense Ratio
0.80%
Invesco India Credit Risk Fund Direct-Growth
Fund Performance: Invesco India Credit Risk Fund Direct-Growth has given 9.69% annualized returns in the past three years and 8.48% in the last 5 years. The Invesco India Credit Risk Fund Direct-Growth comes under the Debt category of Invesco Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in Invesco India Credit Risk Fund Direct-Growth via lump sum is ₹ 1,000.00 and via SIP is ₹ 1,000.00.
Min Investment Amt
₹ 1,000.00
AUM
₹ 163.40Cr
1Y Returns
7.95%
Expense Ratio
0.28%
Franklin India Credit Risk Fund - Segregated Portfolio 2 Direct-Growth
Fund Performance: The Franklin India Credit Risk Fund - Segregated Portfolio 2 Direct-Growth comes under the Debt category of Franklin Templeton Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in Franklin India Credit Risk Fund - Segregated Portfolio 2 Direct-Growth via lump sum is ₹ 5,000.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 105.84Cr
1Y Returns
--
Expense Ratio
-
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