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

We don't give personal investment advice. Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW 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: 6.5%. 5-year CAGR: 3.16%.

Aditya Birla Sun Life

Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW

Latest NAV

₹12.9096

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.

Period

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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%	+0.04%	+0.01	10 / 36	Q2
1W	+0.26%	+23.03%	-22.78	15 / 41	Q2
2W	+0.43%	+40.35%	-39.92	15 / 36	Q2
1M	+0.29%	+40.52%	-40.24	18 / 36	Q2
3M	+1.31%	+41.87%	-40.55	12 / 36	Q2
6M	-0.16%	+43.31%	-43.47	27 / 36	Q3
YTD	-0.48%	+40.80%	-41.28	29 / 36	Q4
1Y	+4.37%	+29.96%	-25.60	20 / 41	Q2
2Y	+7.01%	-4.68%	+11.69	13 / 41	Q2
3Y	+4.47%	+4.58%	-0.11	16 / 31	Q3
4Y	+4.28%	+4.37%	-0.09	15 / 28	Q3
5Y	+3.16%	+5.19%	-2.03	15 / 28	Q3
7Y	+2.40%	+3.07%	-0.67	10 / 28	Q2
10Y	+1.60%	+2.50%	-0.90	8 / 23	Q2
Inception	+2.31%	-16.47%	+18.77	16 / 46	Q2

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	-0.48%	+0.57%	-1.05	23 / 30
2025	+5.94%	+6.54%	-0.60	20 / 30
2024	+9.93%	+3.89%	+6.04	1 / 30
2023	-0.18%	+4.30%	-4.47	29 / 31
2022	+1.59%	+50.17%	-48.58	21 / 33
2021	+1.07%	-10.96%	+12.03	16 / 38
2020	+4.50%	-4.85%	+9.34	9 / 33
2019	-3.97%	-1.86%	-2.12	19 / 28
2018	-2.22%	-0.45%	-1.77	21 / 28
2017	-0.70%	+1.47%	-2.17	19 / 24
2016	+8.04%	+4.33%	+3.72	6 / 24

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

+2.15%

124 windows

min -5.9% · max 13.4%

65% positive

3-Year rolling

+1.08%

99 windows

min -3.5% · max 6.2%

67% positive

5-Year rolling

+0.95%

75 windows

min -1.2% · max 4.3%

71% positive

7-Year rolling

+0.93%

51 windows

min -0.4% · max 2.9%

80% 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

5.99%

3-year · annualised

Sharpe ratio

-0.32

vs risk-free 6.5%

Sortino ratio

-0.43

Downside-only deviation

Max drawdown

-6.47%

Mar 2025 → Mar 2025

% positive months

83.3%

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
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.9589	3 Jun 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,037.8107	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.2544	3 Jun 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.5239	3 Jun 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1227	3 Jun 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2656	3 Jun 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.2488	3 Jun 2026
Baroda BNP Paribas Credit Risk fund - Regular-Quarterly- IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular-Quarterly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	3 Jun 2026
Axis Credit Risk Fund - Regular Plan - Monthly IDCW	Axis	₹10.0868	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹12.9096
2 Jun 2026	₹12.9105
1 Jun 2026	₹12.9041
29 May 2026	₹12.8920
27 May 2026	₹12.8869
26 May 2026	₹12.8776
25 May 2026	₹12.8709
22 May 2026	₹12.8515
21 May 2026	₹12.8426
20 May 2026	₹12.8542

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 - Regular - IDCW is ₹12.9096. It's a Credit Risk Fund from Aditya Birla Sun Life, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW 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 - Regular - IDCW 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 - Regular - IDCW has delivered a absolute return of 4.37% — -25.6 pp behind the Credit Risk Fund category average of 29.96%. The fund ranks #20 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW has delivered a CAGR of 4.47% — -0.11 pp behind the Credit Risk Fund category average of 4.58%. The fund ranks #16 of 31 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW has delivered a CAGR of 3.16% — -2.03 pp behind the Credit Risk Fund category average of 5.19%. The fund ranks #15 of 28 in its category — the third (Q3) quartile.

₹1 lakh invested in Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW exactly 10 years ago would be worth approximately ₹117,216 today — a multiplier of 1.17×, based on the 10-year CAGR of 1.60%. The category average over the same window would have grown ₹1 lakh to ₹128,048.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹669,621 today. That's an XIRR (money-weighted annualised return) of 4.34%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,373,585 (multiplier 1.14×). XIRR: 2.66%. 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 - Regular - IDCW ranks #15 out of 28 funds in the Credit Risk Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 5.19%; this fund delivered 3.16%.

The worst peak-to-trough decline Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW has experienced over the last 5-year window is 6.47% — its NAV fell from a high on 20 Mar 2025 to a low on 27 Mar 2025. 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 - Regular - IDCW averaged 0.95% (best 4.29%, worst -1.18%). 71% of rolling windows ended positive. The 5-year Sharpe ratio is -0.64 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW returned 5.94% — lagging the Credit Risk Fund category average of 6.54% by 0.60 pp. It ranked #20 of 30 in its category that year.

Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW 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 - Regular - IDCW 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: 6.5%. 5-year CAGR: 3.16%.

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