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

We don't give personal investment advice. Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus 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: 4.0%. 5-year CAGR: 6.47%.

Aditya Birla Sun Life

Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus

Latest NAV

₹17.7004

As of

23 May 2023

1,957 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	-0.03%	+0.02%	-0.05	31 / 31	Q4
1W	+0.14%	-0.02%	+0.16	1 / 31	Q1
2W	+0.29%	-0.04%	+0.33	1 / 31	Q1
1M	+0.61%	+0.26%	+0.36	19 / 31	Q3
3M	+2.14%	+1.00%	+1.14	6 / 31	Q1
6M	+3.65%	+1.38%	+2.27	7 / 31	Q1
YTD	+2.95%	+1.54%	+1.41	14 / 31	Q2
1Y	+9.38%	+3.10%	+6.28	3 / 31	Q1
2Y	+6.73%	+5.13%	+1.60	15 / 31	Q2
3Y	+8.28%	+4.78%	+3.50	5 / 31	Q1
4Y	+6.61%	+4.49%	+2.13	13 / 28	Q2
5Y	+6.47%	+5.32%	+1.15	12 / 28	Q2
7Y	+7.02%	+3.49%	+3.53	4 / 28	Q1
10Y	—	—	—	—	—
Inception	+7.29%	+2.75%	+4.54	5 / 31	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
2023 YTD	+2.95%	+4.30%	-1.35	17 / 31
2022	+7.10%	+7.38%	-0.28	3 / 28
2021	+6.33%	+5.79%	+0.53	9 / 28
2020	+9.31%	-2.28%	+11.59	4 / 28
2019	+2.11%	-1.86%	+3.97	11 / 28
2018	+6.50%	-0.45%	+6.95	1 / 28
2017	+7.85%	+1.47%	+6.38	2 / 24
2016	+10.25%	+4.33%	+5.93	5 / 24
2015	—	—	—	—

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

+7.17%

87 windows

min 0.6% · max 12.9%

100% positive

3-Year rolling

+6.68%

63 windows

min 4.3% · max 9.0%

100% positive

5-Year rolling

+6.58%

38 windows

min 5.6% · max 7.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+7.08%

14 windows

min 6.9% · max 7.3%

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

2.04%

3-year · annualised

Sharpe ratio

0.74

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.76%

May 2022 → May 2022

% positive months

97.2%

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	₹16.2822	17 Jul 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,071.6654	17 Jul 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.4254	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.1658	17 Jul 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.7779	17 Jul 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1130	17 Jul 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2701	17 Jul 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.4250	17 Jul 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	17 Jul 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
23 May 2023	₹17.7004
22 May 2023	₹17.7060
19 May 2023	₹17.6856
18 May 2023	₹17.6832
17 May 2023	₹17.6803
16 May 2023	₹17.6758
15 May 2023	₹17.6691
12 May 2023	₹17.6598
11 May 2023	₹17.6516
10 May 2023	₹17.6502

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 23 May 2023, the NAV of Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus is ₹17.7004. 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 Plan - Bonus has NAV history starting from 22 Apr 2015, a track record of about 11 years 2 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 Plan - Bonus 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 Plan - Bonus has delivered a absolute return of 9.38% — +6.28 pp ahead of the Credit Risk Fund category average of 3.10%. The fund ranks #3 of 31 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus has delivered a CAGR of 8.28% — +3.5 pp ahead of the Credit Risk Fund category average of 4.78%. The fund ranks #5 of 31 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus has delivered a CAGR of 6.47% — +1.15 pp ahead of the Credit Risk Fund category average of 5.32%. The fund ranks #12 of 28 in its category — the second (Q2) quartile.

₹1 lakh invested in Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus exactly 5 years ago would be worth approximately ₹136,829 today — a multiplier of 1.37×, based on the 5-year CAGR of 6.47%. The category average over the same window would have grown ₹1 lakh to ₹129,571.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus over the last 5 years — total invested ₹600,000 — would be worth ₹714,038 today. That's an XIRR (money-weighted annualised return) of 6.89%.

Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,066,094 — XIRR 6.70%.

On a 5-year basis, Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus ranks #12 out of 28 funds in the Credit Risk Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 5.32%; this fund delivered 6.47%.

The worst peak-to-trough decline Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus has experienced over the last 5-year window is 4.00% — its NAV fell from a high on 19 Sep 2019 to a low on 25 Nov 2019. 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 Plan - Bonus averaged 6.58% (best 7.23%, worst 5.63%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.06 — negative risk-adjusted performance.

In calendar year 2022, Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus returned 7.10% — lagging the Credit Risk Fund category average of 7.38% by 0.28 pp. It ranked #3 of 28 in its category that year.

Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Bonus 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 Plan - Bonus 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: 4.0%. 5-year CAGR: 6.47%.

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 - Regular Plan - Bonus

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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