Should I invest in Aditya Birla Sun Life Credit Risk Fund?

We don't give personal investment advice. Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.8%. 5-year CAGR: 10.62%.

Aditya Birla Sun Life

Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth

Latest NAV

₹27.2820

As of

3 Jun 2026

2,689 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.05%	+18.47%	-18.42	7 / 16	Q2
1W	+0.27%	+15.49%	-15.22	7 / 19	Q2
2W	+0.46%	+29.32%	-28.86	9 / 17	Q3
1M	+0.35%	+29.50%	-29.14	11 / 17	Q3
3M	+1.53%	+31.41%	-29.88	6 / 17	Q2
6M	+6.66%	+34.09%	-27.43	4 / 17	Q1
YTD	+6.23%	+31.67%	-25.44	4 / 17	Q1
1Y	+11.97%	+32.15%	-20.19	3 / 18	Q1
2Y	+15.15%	+9.01%	+6.14	4 / 17	Q1
3Y	+12.65%	+9.42%	+3.23	2 / 14	Q1
4Y	+12.12%	+8.71%	+3.42	2 / 13	Q1
5Y	+10.62%	+8.37%	+2.24	2 / 13	Q1
7Y	+9.65%	+7.50%	+2.16	2 / 13	Q1
10Y	+9.40%	+7.61%	+1.79	1 / 12	Q1
Inception	+9.43%	+2.17%	+7.26	4 / 18	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+6.23%	+2.95%	+3.29	2 / 13
2025	+14.33%	+11.47%	+2.86	3 / 13
2024	+12.88%	+8.95%	+3.93	1 / 13
2023	+7.79%	+1.35%	+6.44	8 / 15
2022	+8.07%	+43.89%	-35.82	4 / 15
2021	+7.20%	-0.51%	+7.72	6 / 16
2020	+10.18%	+2.43%	+7.75	4 / 14
2019	+3.03%	+4.87%	-1.84	9 / 13
2018	+7.63%	+6.20%	+1.43	2 / 13
2017	+9.07%	+8.01%	+1.06	3 / 12
2016	+11.15%	+11.27%	-0.12	8 / 12

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+9.35%

124 windows

min 1.1% · max 18.9%

100% positive

3-Year rolling

+8.49%

99 windows

min 5.4% · max 12.9%

100% positive

5-Year rolling

+8.24%

75 windows

min 6.6% · max 10.8%

100% positive

7-Year rolling

+8.26%

51 windows

min 7.3% · max 9.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

2.82%

3-year · annualised

Sharpe ratio

1.96

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.38%

Mar 2026 → Mar 2026

% positive months

100.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Credit Risk Fund

Scheme	Fund house	NAV	As of
HDFC Credit Risk Debt Fund - Growth Option - Direct Plan	HDFC	₹27.5375	3 Jun 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.2014	3 Jun 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹52.3817	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹37.5622	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,293.2545	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.6046	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.2782	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹59.3955	3 Jun 2026
HSBC Credit Risk Fund - Direct Growth	HSBC	₹36.8522	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹27.2820
2 Jun 2026	₹27.2835
1 Jun 2026	₹27.2692
29 May 2026	₹27.2420
27 May 2026	₹27.2300
26 May 2026	₹27.2096
25 May 2026	₹27.1949
22 May 2026	₹27.1522
21 May 2026	₹27.1328
20 May 2026	₹27.1566

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth is ₹27.2820. It's a Credit Risk Fund from Aditya Birla Sun Life, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth has NAV history starting from 22 Apr 2015, a track record of about 11 years 1 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Credit Risk Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth has delivered a absolute return of 11.97% — -20.19 pp behind the Credit Risk Fund category average of 32.15%. The fund ranks #3 of 18 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth has delivered a CAGR of 12.65% — +3.23 pp ahead of the Credit Risk Fund category average of 9.42%. The fund ranks #2 of 14 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth has delivered a CAGR of 10.62% — +2.24 pp ahead of the Credit Risk Fund category average of 8.37%. The fund ranks #2 of 13 in its category — the top (Q1) quartile.

₹1 lakh invested in Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹245,560 today — a multiplier of 2.46×, based on the 10-year CAGR of 9.40%. The category average over the same window would have grown ₹1 lakh to ₹208,307.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹815,922 today. That's an XIRR (money-weighted annualised return) of 12.24%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,021,183 (multiplier 1.68×). XIRR: 10.06%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth ranks #2 out of 13 funds in the Credit Risk Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.37%; this fund delivered 10.62%.

The worst peak-to-trough decline Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth has experienced over the last 5-year window is 0.75% — its NAV fell from a high on 02 May 2022 to a low on 06 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth averaged 8.24% (best 10.80%, worst 6.61%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.38 — strong risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth returned 14.33% — beating the Credit Risk Fund category average of 11.47% by 2.86 pp. It ranked #3 of 13 in its category that year.

Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.8%. 5-year CAGR: 10.62%.

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

Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Credit Risk Fund

Recent NAVs

Frequently asked questions

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