SBI Credit Risk Fund Direct-Growth
Debt: Credit Risk - Growth (Open ended) Factsheet
NAV: ₹53.39-0.18%
08 Jul 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for SBI Credit Risk Fund Direct-Growth.
Historical Asset Allocation
| Asset | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 87.91% | 84.16% | 88.92% | 85.17% | 90.69% | 90.16% |
| Others (incl. cash) | 2.59% | 7.86% | 3.10% | 7.26% | 4.90% | 5.65% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 9.50% | 7.98% | 7.98% | 7.57% | 4.41% | 4.19% |
Portfolio Snapshot
No. of Securities
43
Top Holding %
4.61%
Top 5 Holdings %
22.96%
Top 10 Holdings %
42.58%
Modified Duration
2.06 yrs
Avg. Maturity
2.73 yrs
Yield to Maturity
8.70%
AUM
₹2,175 Cr
Expense Ratio
0.91%
Since Inception
8.64%
Max Drawdown
-0.02%
Sharpe Ratio
2.22
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 |
|---|---|---|---|---|---|
| Tata Projects Ltd. | Construction | 10,000 | 100.32 | 4.61% | - |
| Lodha Developers Ltd. | Construction | 10,000 | 100.33 | 4.61% | - |
| Renew Solar Energy (Jharkhand Five) Pvt. Ltd. | Others | 11,000 | 100.25 | 4.61% | -0.10%↓ |
| H.G. Infra Engineering Ltd. | Construction | 10,000 | 99.36 | 4.57% | -0.02%↓ |
| NJ Capital Pvt Ltd. | Financial | 10,000 | 99.17 | 4.56% | -0.04%↓ |
| GOI | Sovereign | 1,00,00,000 | 97.45 | 4.48% | 0.07%↑ |
| JTPM Metal Traders Ltd. | Metals & Mining | 9,000 | 96.46 | 4.44% | 0.02%↑ |
| Renserv Global Pvt Ltd. | Others | 8,000 | 80.07 | 3.68% | -0.04%↓ |
| JSW Kalinga Steel Ltd. | Metals & Mining | 7,500 | 77.06 | 3.54% | 0.02%↑ |
| Kotak Mahindra Prime Ltd. | Financial | 7,500 | 75.59 | 3.48% | - |
| Motilal Oswal Home Finance Ltd. | Financial | 7,500 | 75.22 | 3.46% | -0.02%↓ |
| Aditya Birla Renewables Ltd. | Energy | 7,500 | 75.21 | 3.46% | -0.03%↓ |
| Kogta Financial India Ltd. | Financial | 6,500 | 64.81 | 2.98% | -0.03%↓ |
| GMR Airports Ltd. | Construction | 6,000 | 63.86 | 2.94% | 0.01%↑ |
| GOI | Sovereign | 65,00,000 | 63.77 | 2.93% | -0.45%↓ |
| Gaursons India Pvt. Ltd. | Construction | 6,000 | 59.62 | 2.74% | -0.03%↓ |
| Small Industries Devp. Bank of India Ltd. | Financial | 5,000 | 50.26 | 2.31% | - |
| Aditya Birla Real Estate Ltd. | Consumer Staples | 5,000 | 50.33 | 2.31% | -0.02%↓ |
| Karnataka State | Others | 50,00,000 | 50.11 | 2.30% | 0.00% |
| Avanse Financial Services Ltd. | Financial | 1,000 | 49.29 | 2.27% | - |
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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 | 36.93% | 26.16% |
| SOV | 14.61% | 8.12% |
| AA- | 11.20% | 3.63% |
| AAA | 6.71% | 5.60% |
| A+ | 5.92% | 3.61% |
| A | 3.68% | 0.66% |
| AA+ | 3.46% | 4.29% |
| A- | 2.74% | 0.33% |
| Cash & Call Money | 2.59% | 21.99% |
| A1+ | 2.27% | 1.42% |
| Others | 0.39% | 0.25% |
| B+ | - | 4.35% |
| B- | - | 3.93% |
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 |
|---|---|---|---|---|---|
| Tata Projects Ltd. | Non Convertible Debenture | 0.00% | 0 | IND AA | 4.61% |
| Renew Solar Energy (Jharkhand Five) Pvt. Ltd. | Non Convertible Debenture | 8.44% | 31/08/2029 | CARE AA | 4.61% |
| Lodha Developers Ltd. | Debenture | 7.87% | 15/09/2029 | CRISIL AA | 4.61% |
| H.G. Infra Engineering Ltd. | Debenture | 8.55% | 29/08/2028 | [ICRA]AA- | 4.57% |
| NJ Capital Pvt Ltd. | Debenture | 9.80% | 25/07/2028 | [ICRA]AA- | 4.56% |
| GOI | GOI Securities | 6.68% | 07/07/2040 | SOV | 4.48% |
| JTPM Metal Traders Ltd. | Debenture | 0.00% | 30/04/2030 | CRISIL AA | 4.44% |
| Renserv Global Pvt Ltd. | Debenture | 9.90% | 02/05/2028 | CARE A(CE) | 3.68% |
| JSW Kalinga Steel Ltd. | Debenture | 0.00% | 0 | CRISIL AA | 3.54% |
| Kotak Mahindra Prime Ltd. | Non Convertible Debenture | 7.97% | 0 | CRISIL AAA | 3.48% |
| Aditya Birla Renewables Ltd. | Bonds/NCDs | 8.60% | 24/09/2027 | CRISIL AA | 3.46% |
| Motilal Oswal Home Finance Ltd. | Debenture | 8.55% | 24/03/2028 | [ICRA]AA+ | 3.46% |
| Kogta Financial India Ltd. | Debenture | 9.45% | 07/07/2028 | CARE A+ | 2.98% |
| GMR Airports Ltd. | Bonds | 0.00% | 13/08/2028 | CRISIL A+ | 2.94% |
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 2.93% |
| Gaursons India Pvt. Ltd. | Non Convertible Debenture | 10.96% | 26/12/2028 | [ICRA]A- | 2.74% |
| Small Industries Devp. Bank of India Ltd. | Bonds/NCDs | 0.00% | 18/06/2031 | CRISIL AAA | 2.31% |
| Aditya Birla Real Estate Ltd. | Non Convertible Debenture | 8.35% | 30/08/2027 | CRISIL AA | 2.31% |
| Karnataka State | State Development Loan | 7.47% | 25/08/2036 | SOV | 2.30% |
| Avanse Financial Services Ltd. | Commercial Paper | 0.00% | 91-D 04/09/2026 | CRISIL A1+ | 2.27% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 28/01/2027 | SOV | 2.23% |
| Eris Lifesciences Ltd. | Debenture | 8.73% | 07/06/2027 | IND AA | 2.08% |
| Eris Lifesciences Ltd. | Debenture | 8.73% | 07/12/2026 | IND AA | 1.85% |
| Tamilnadu State | State Development Loan | 7.73% | 06/05/2036 | SOV | 1.17% |
| INDOSTAR-12.25%-23-5-16-A-PVT | Non Convertible Debenture | 9.25% | 22/11/2027 | CARE AA- | 1.15% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 27/10/2028 | CRISIL AA | 1.14% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 28/01/2028 | CRISIL AA | 1.14% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 28/04/2028 | CRISIL AA | 1.14% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 28/07/2028 | CRISIL AA | 1.14% |
| Uttar Pradesh State | State Development Loan | 7.72% | 29/04/2036 | SOV | 1.03% |
| Yes Bank Ltd. | Bonds | 8.00% | 30/09/2026 | CRISIL AA- | 0.92% |
| Sheela Foam Ltd. | Debenture | 8.45% | 06/10/2026 | IND AA | 0.86% |
| Mahanagar Telephone Nigam Ltd. | Debenture | 7.87% | 01/12/2032 | IND AAA(CE) | 0.69% |
| Maharashtra State | State Development Loan | 7.55% | 22/04/2034 | SOV | 0.24% |
| Small Industries Devp. Bank of India Ltd. | Bonds | 7.49% | 11/06/2029 | CRISIL AAA | 0.23% |
| Rajasthan State | State Development Loan | 7.64% | 22/04/2036 | SOV | 0.23% |
Frequently Asked Questions
What are the top holdings of SBI Credit Risk Fund Direct-Growth?
The top holdings of SBI Credit Risk Fund Direct-Growth sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.
How many stocks does SBI Credit Risk Fund Direct-Growth hold in its portfolio?
SBI Credit Risk Fund Direct-Growth holds 43 securities in its portfolio. The top 5 holdings account for 22.96% of the portfolio and the top 10 for 42.58%.
What is the sector allocation of SBI Credit Risk Fund Direct-Growth?
The sector allocation of SBI Credit Risk Fund Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.
What is the equity and debt allocation of SBI Credit Risk Fund Direct-Growth?
As of 30 Jun 2026, SBI Credit Risk Fund Direct-Growth has 0.00% in equity, 87.91% in debt and 2.59% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 8.70%.
What is the market cap allocation of SBI Credit Risk Fund Direct-Growth?
The market cap distribution of SBI Credit Risk Fund Direct-Growth — Large, Mid and Small Cap — is shown as a chart in the Holdings Analysis section.
Is SBI Credit Risk Fund Direct-Growth a concentrated or diversified fund?
SBI Credit Risk Fund Direct-Growth holds 43 securities, with the top 10 accounting for 42.58% of the portfolio and the top 5 for 22.96%. This is a moderately diversified fund balancing conviction positions with risk spread.
What is the credit quality of SBI Credit Risk Fund Direct-Growth?
The debt holdings of SBI Credit Risk Fund Direct-Growth are rated as follows — AA: 36.93%, SOV: 14.61%, AA-: 11.20%, AAA: 6.71%, and others. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.
How often does SBI Credit Risk Fund Direct-Growth change its portfolio?
The portfolio currently holds 43 securities with the top 10 accounting for 42.58% as of 30 Jun 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.
What is the PE ratio of SBI Credit Risk Fund Direct-Growth's portfolio?
The portfolio-level PE, PB and debt metrics of SBI Credit Risk Fund Direct-Growth are in the Holdings Analysis section. These help assess whether the portfolio is invested in relatively cheap or expensive securities.
When is the latest portfolio disclosure for SBI Credit Risk Fund Direct-Growth?
The latest portfolio disclosure for SBI Credit Risk Fund Direct-Growth is as of 30 Jun 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.