Based on 1-year returns, the top performing Credit Risk funds are Bank of India Credit Risk Fund - Direct Plan with 17.03% return, Aditya Birla Sun Life Credit Risk Fund - Direct Plan with 11.91% return, and DSP Credit Risk Fund - Direct Plan with 9.82% return. The category average 1-year return is 7.78%.
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)
9.97 %
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 | 0.45 % | 4.07 % | 7.78 % | 9.45 % | 9.97 % | 7.22 % | 3.66 % |
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 9.97% CAGR over the last 5 years.
It ranks #1 out of 18 categories based on 5Y performance.
Above the category average return of 6.35%.
0 categories outperform it, while 17 categories have lower returns.
Top performer: Credit Risk (9.97%).
Lowest performer: Long Duration (5.32%).
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 Plan
Fund Performance: HDFC Credit Risk Debt Fund - Direct Plan has given 7.79% annualized returns in the past three years and 7.04% in the last 5 years. The HDFC Credit Risk Debt Fund - Direct Plan 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 Plan via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 100.00
AUM
₹ 7,522.14Cr
1Y Returns
6.09%
Expense Ratio
1.01%
ICICI Prudential Credit Risk Fund - Direct Plan
Fund Performance: ICICI Prudential Credit Risk Fund - Direct Plan has given 8.74% annualized returns in the past three years and 7.83% in the last 5 years. The ICICI Prudential Credit Risk Fund - Direct Plan 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 via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 100.00
AUM
₹ 5,989.89Cr
1Y Returns
7.66%
Expense Ratio
0.73%
SBI Credit Risk Fund - Direct Plan
Fund Performance: SBI Credit Risk Fund - Direct Plan has given 8.01% annualized returns in the past three years and 7.45% in the last 5 years. The SBI Credit Risk Fund - Direct Plan comes under the Debt category of SBI Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in SBI Credit Risk Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 500.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 2,134.16Cr
1Y Returns
6.71%
Expense Ratio
0.89%
Aditya Birla Sun Life Credit Risk Fund - Direct Plan
Fund Performance: Aditya Birla Sun Life Credit Risk Fund - Direct Plan has given 12.63% annualized returns in the past three years and 10.60% in the last 5 years. The Aditya Birla Sun Life Credit Risk Fund - Direct Plan 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 Plan via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 100.00
AUM
₹ 1,353.31Cr
1Y Returns
11.91%
Expense Ratio
0.79%
Nippon India Credit Risk Fund - Direct Plan
Fund Performance: Nippon India Credit Risk Fund - Direct Plan has given 8.71% annualized returns in the past three years and 9.07% in the last 5 years. The Nippon India Credit Risk Fund - Direct Plan 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 Plan via lump sum is ₹ 500.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 500.00
AUM
₹ 1,343.43Cr
1Y Returns
7.33%
Expense Ratio
0.71%
Kotak Credit Risk Fund - Direct Plan
Fund Performance: Kotak Credit Risk Fund - Direct Plan has given 8.13% annualized returns in the past three years and 6.58% in the last 5 years. The Kotak Credit Risk Fund - Direct Plan 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 Plan via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 100.00
AUM
₹ 761.17Cr
1Y Returns
6.74%
Expense Ratio
0.80%
HSBC Credit Risk Fund - Direct Plan
Fund Performance: HSBC Credit Risk Fund - Direct Plan has given 11.53% annualized returns in the past three years and 9.26% in the last 5 years. The HSBC Credit Risk Fund - Direct Plan comes under the Debt category of HSBC Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in HSBC Credit Risk Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 1,000.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 475.04Cr
1Y Returns
5.38%
Expense Ratio
0.95%
Axis Credit Risk Fund - Direct Plan
Fund Performance: Axis Credit Risk Fund - Direct Plan has given 8.34% annualized returns in the past three years and 7.44% in the last 5 years. The Axis Credit Risk Fund - Direct Plan comes under the Debt category of Axis Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in Axis Credit Risk Fund - Direct Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 1,000.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 355.18Cr
1Y Returns
7.29%
Expense Ratio
0.80%
UTI Credit Risk Fund - Direct Plan
Fund Performance: UTI Credit Risk Fund - Direct Plan has given 7.52% annualized returns in the past three years and 10.02% in the last 5 years. The UTI Credit Risk Fund - Direct Plan comes under the Debt category of UTI Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in UTI Credit Risk Fund - Direct Plan via lump sum is ₹ 500.00 and via SIP is ₹ 500.00.
Min Investment Amt
₹ 500.00
AUM
₹ 252.51Cr
1Y Returns
5.60%
Expense Ratio
1.04%
DSP Credit Risk Fund - Direct Plan
Fund Performance: DSP Credit Risk Fund - Direct Plan has given 16.56% annualized returns in the past three years and 12.98% in the last 5 years. The DSP Credit Risk Fund - Direct Plan 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 via lump sum is ₹ 100.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 100.00
AUM
₹ 242.06Cr
1Y Returns
9.82%
Expense Ratio
0.40%
Bandhan Credit Risk Fund - Direct Plan
Fund Performance: Bandhan Credit Risk Fund - Direct Plan has given 6.96% annualized returns in the past three years and 6.21% in the last 5 years. The Bandhan Credit Risk Fund - Direct Plan comes under the Debt category of Bandhan Mutual Fund.
Minimum Investment Amount: The minimum amount required to invest in Bandhan Credit Risk Fund - Direct Plan via lump sum is ₹ 1,000.00 and via SIP is ₹ 100.00.
Min Investment Amt
₹ 1,000.00
AUM
₹ 230.48Cr
1Y Returns
4.40%
Expense Ratio
0.66%
UTI Credit Risk Fund Segregated Portfolio 2 - Direct Plan
Fund Performance: The UTI Credit Risk Fund Segregated Portfolio 2 - Direct Plan 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 Plan 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 Plan
Fund Performance: Baroda BNP Paribas Credit Risk Fund - Direct Plan has given 8.27% annualized returns in the past three years and 9.15% in the last 5 years. The Baroda BNP Paribas Credit Risk Fund - Direct Plan 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 Plan via lump sum is ₹ 5,000.00 and via SIP is ₹ 500.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 174.43Cr
1Y Returns
6.38%
Expense Ratio
0.80%
Invesco India Credit Risk Fund - Direct Plan
Fund Performance: Invesco India Credit Risk Fund - Direct Plan has given 9.29% annualized returns in the past three years and 8.20% in the last 5 years. The Invesco India Credit Risk Fund - Direct Plan 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 Plan via lump sum is ₹ 1,000.00 and via SIP is ₹ 1,000.00.
Min Investment Amt
₹ 1,000.00
AUM
₹ 159.49Cr
1Y Returns
6.55%
Expense Ratio
0.28%
Franklin India Credit Risk Fund - Segregated Portfolio 2 - Direct Plan
Fund Performance: The Franklin India Credit Risk Fund - Segregated Portfolio 2 - Direct Plan 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 Plan via lump sum is ₹ 5,000.00.
Min Investment Amt
₹ 5,000.00
AUM
₹ 105.84Cr
1Y Returns
--
Expense Ratio
-
Explore Other Categories
Explore different mutual fund categories based on investment strategy, market cap exposure and risk profile.
View All
Explore Mutual Fund Tools
Discover advanced mutual fund analysis tools, calculators, screeners and portfolio research features to make better investment decisions.
Dashboard
Track mutual fund performance, allocation trends and investment insights.
Explore Tool
Strategies
Create and manage mutual fund investment and allocation strategies.
Explore Tool
Screener
Filter and discover mutual funds based on returns, risk and categories.
Explore Tool
Factor Model
Analyze mutual funds using quantitative and factor-based scoring models.
Explore Tool
Compare
Compare mutual fund returns, risk, expense ratio and portfolio metrics.
Explore Tool
Alpha Analysis
Analyze mutual fund alpha generation and benchmark outperformance trends.
Explore Tool
Magicboard
Discover top-performing mutual funds using Sharpely’s smart ranking engine.
Explore Tool
NFO Tracker
Track latest NFO launches, timelines and new mutual fund opportunities.
Explore Tool
SIP Returns
Calculate SIP returns and estimate long-term mutual fund wealth creation.
Explore Tool
Rolling Returns
Analyze rolling return consistency across different investment periods.
Explore Tool
SWP Calculator
Estimate systematic withdrawal plans and retirement income projections.
Explore Tool