SEBI sub-category

Credit Risk Fund funds

Funds

Regular plans only

Category 1Y avg

+30.21%

Category 5Y CAGR

+7.65%

Direct vs Regular

Direct Regular

5-Year return distribution

How the 10 Credit Risk Fund funds spread across return buckets. Taller bars = more funds in that band.

Risk vs Return — Credit Risk Fund

Each dot is a fund. Up-and-left = high return for low risk (the sweet spot). Down-and-right = under-performing with high volatility. Colour = 5-year peer quartile.

Q1 (top 25%) Q2 Q3 Q4 (bottom 25%) 6 funds plotted

All Credit Risk Fund funds

Sort by: 1Y 3Y 5Y 7Y 10Y

#	Scheme	NAV	1Y	3Y	5Y	7Y	10Y	Peer Q (5Y)	Sharpe	Max DD
1	Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth Aditya Birla Sun Life	24.71	+10.98%	+11.66%	+9.65%	+8.72%	+8.40%	Q1	1.60	-0.4%
2	UTI Credit Risk Fund - Regular Plan - Growth Option UTI	17.92	+4.90%	+6.78%	+9.24%	+1.29%	+2.70%	Q2	0.10	-0.5%
3	Baroda BNP Paribas Credit Risk Fund -Regular-Growth Option Baroda BNP Paribas	23.42	+5.57%	+7.44%	+8.31%	+7.56%	+7.42%	Q2	0.85	-0.3%
4	Invesco India Credit Risk Fund - Regular Plan - Growth Invesco	2,039.83	+5.30%	+8.05%	+6.93%	+6.16%	+5.62%	Q3	0.64	-0.4%
5	Axis Credit Risk Fund - Regular Plan - Growth Axis	22.77	+6.48%	+7.53%	+6.58%	+6.99%	+6.66%	Q4	0.85	-0.5%
6	BANDHAN Credit Risk Fund - Regular Plan Growth Bandhan	16.99	+3.29%	+5.93%	+5.18%	+5.71%	—	Q4	-0.72	-0.5%
7	Baroda BNP Paribas Credit Risk fund -Regular-Growth -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular Growth Seg. Portfolio 1) Baroda BNP Paribas	0.00	—	—	—	—	—	—	—	—
8	Baroda BNP Paribas Credit Risk Fund- Regular- Growth Option- Segregated Portfolio- 1 Baroda BNP Paribas	0.00	—	—	—	—	—	—	—	—
9	HSBC Credit Risk Fund - Regular Growth HSBC	33.80	+4.65%	+10.69%	—	—	—	—	0.59	-0.4%
10	UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Growth Option UTI	0.00	—	—	—	—	—	—	—	—

Direct plans typically outperform Regular plans by around 50 basis points per year because they carry no distributor commission. The "Peer Q (5Y)" column shows the fund's quartile within this category over the 5-year window: Q1 = top 25%.

Frequently asked questions

Generated from this category's live aggregates — average returns, fund counts, quartile spreads. Updated daily.

Credit Risk Fund is a SEBI-defined mutual-fund category. Each scheme in it must follow the asset-allocation and exposure rules set out in the SEBI October-2017 categorisation circular. Other bucket for tax purposes.

We currently track 10 active Credit Risk Fund schemes (Regular plan, Growth option). The list updates daily after AMFI publishes new NAVs and SEBI re-classifies schemes. 1 of them sit in the top quartile by 5-year CAGR.

Over the last 5 years, the average Credit Risk Fund (Regular plan) has returned 7.65% CAGR — that turns ₹1 lakh into roughly ₹144,567. Over the last 12 months the category averaged 30.21%. Top-quartile funds in this category typically beat the average by 3-6 percentage points per year — fund selection within a category matters more than the category choice itself.

Over the trailing 5-year window, the highest-returning Credit Risk Fund in our database is **Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth** (Aditya Birla Sun Life) with a CAGR of 9.65%. The category average is 7.65%. Past performance is no guarantee of future returns — top-quartile funds in one window often slip in the next.

The best 1-year return in the Credit Risk Fund category right now is **Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth** (Aditya Birla Sun Life) at 10.98%. 1-year numbers are noisy and shouldn't be the sole basis for picking — cross-check rolling returns and 5-year CAGR before deciding.

Across all Credit Risk Fund schemes with 5 years of history, the 5-year CAGR ranges from 5.18% (worst) to 9.65% (best), with a median of 8.31%. That spread of about 4 percentage points between top and bottom is a useful gauge of how much fund selection matters in this category.

On ProfitGuruOnline you can browse either Credit Risk Fund Direct plans (lower expense ratio, no broker commission baked in) or Regular plans (sold through distributors). Use the filter on the category page. Direct typically outperforms Regular by 0.5-1% per year in the same scheme — meaningful over 10+ years.

Tax treatment for Credit Risk Fund depends on its asset mix — see the AMC's factsheet for the current equity/debt split.

SIP suits hybrid/balanced categories because the in-built equity exposure benefits from rupee-cost averaging. Hybrid funds also rebalance internally so you don't have to manually shift between equity and debt.

Match the horizon to the Other bucket: equity ≥5 years, debt 1-3 years (or per modified duration), hybrid 3-5 years.

Risk profile follows the underlying asset mix — see the AMC's factsheet for current allocation and historical drawdown.

Two or three schemes from different AMCs is usually enough for a single category. Beyond that you'd be re-creating the category average minus your selection cost. Focus on consistency (% of rolling-return windows that ended positive) over chasing top performers — top quartile rarely repeats.

Quarterly is plenty for monitoring NAVs and aggregate gain; annually (or after major regulatory changes like Budget 2024) is the right cadence for re-evaluating against alternatives. Don't churn based on 1-month or even 1-year underperformance — equity funds need 3-5 year horizons to fairly judge.

We rank funds within each category by point-to-point CAGR over the chosen window (1Y, 3Y, 5Y, 7Y, 10Y, since inception), then assign quartile and decile bands so any fund's standing relative to peers is one click away. Numbers are recomputed nightly after AMFI's NAV publish.

Daily NAVs are pulled directly from AMFI's published feed. Category classification uses SEBI's October-2017 mutual-fund categorisation circular. We compute returns, rolling-window stats, SIP backtests, drawdowns and Sharpe ratios in-house — no third-party feeds, no hidden adjustments.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.