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 - Regular 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: 9.95%.

Aditya Birla Sun Life

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

Latest NAV

₹25.1910

As of

17 Jul 2026

2,720 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	+0.06%	+0.03%	+0.03	2 / 7	Q2
1W	+0.00%	-0.03%	+0.04	2 / 7	Q2
2W	-0.05%	-0.04%	-0.01	4 / 7	Q3
1M	+1.09%	+0.74%	+0.35	1 / 7	Q1
3M	+2.23%	+1.86%	+0.37	2 / 7	Q2
6M	+4.55%	+3.71%	+0.84	1 / 7	Q1
YTD	+7.95%	+4.11%	+3.84	1 / 7	Q1
1Y	+11.88%	+6.89%	+4.99	1 / 7	Q1
2Y	+14.37%	+9.37%	+5.00	1 / 7	Q1
3Y	+12.13%	+8.62%	+3.51	1 / 7	Q1
4Y	+10.84%	+7.97%	+2.87	1 / 6	Q1
5Y	+9.95%	+7.89%	+2.06	1 / 6	Q1
7Y	+8.83%	+6.28%	+2.55	1 / 6	Q1
10Y	+8.46%	+6.18%	+2.28	1 / 5	Q1
Inception	+8.55%	+7.21%	+1.33	2 / 7	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	+7.95%	+4.11%	+3.84	1 / 7
2025	+13.35%	+10.49%	+2.85	2 / 7
2024	+11.89%	+8.22%	+3.67	1 / 7
2023	+6.87%	+7.37%	-0.50	4 / 7
2022	+7.10%	+4.14%	+2.96	1 / 6
2021	+6.33%	+9.92%	-3.60	3 / 6
2020	+9.31%	+1.21%	+8.10	1 / 6
2019	+2.11%	+1.40%	+0.71	3 / 6
2018	+6.50%	+5.40%	+1.09	1 / 6
2017	+7.85%	+7.19%	+0.66	2 / 5
2016	+10.25%	+10.47%	-0.21	3 / 5

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

+8.43%

125 windows

min 0.6% · max 17.7%

100% positive

3-Year rolling

+7.59%

101 windows

min 4.2% · max 12.1%

100% positive

5-Year rolling

+7.34%

77 windows

min 5.6% · max 10.0%

100% positive

7-Year rolling

+7.35%

52 windows

min 6.4% · max 8.8%

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

3.18%

3-year · annualised

Sharpe ratio

1.59

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.43%

Mar 2026 → Mar 2026

% 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
Invesco India Credit Risk Fund - Regular Plan - Growth	Invesco	₹2,072.3105	17 Jul 2026
BANDHAN Credit Risk Fund - Regular Plan Growth	Bandhan	₹17.2650	17 Jul 2026
HSBC Credit Risk Fund - Regular Growth	HSBC	₹34.2631	17 Jul 2026
Baroda BNP Paribas Credit Risk fund -Regular-Growth -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular Growth Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	17 Jul 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Growth Option	UTI	₹0.0000	17 Jul 2026
Axis Credit Risk Fund - Regular Plan - Growth	Axis	₹23.1888	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹25.1910
16 Jul 2026	₹25.1758
15 Jul 2026	₹25.1518
14 Jul 2026	₹25.1372
13 Jul 2026	₹25.1827
10 Jul 2026	₹25.1899
9 Jul 2026	₹25.1616
8 Jul 2026	₹25.1476
7 Jul 2026	₹25.2045
6 Jul 2026	₹25.2166

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 17 Jul 2026, the NAV of Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth is ₹25.1910. It's a Credit Risk Fund from Aditya Birla Sun Life, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth 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 - 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 - Regular Plan - Growth has delivered a absolute return of 11.88% — +4.99 pp ahead of the Credit Risk Fund category average of 6.89%. The fund ranks #1 of 7 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth has delivered a CAGR of 12.13% — +3.51 pp ahead of the Credit Risk Fund category average of 8.62%. The fund ranks #1 of 7 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth has delivered a CAGR of 9.95% — +2.06 pp ahead of the Credit Risk Fund category average of 7.89%. The fund ranks #1 of 6 in its category — the top (Q1) quartile.

₹1 lakh invested in Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹225,333 today — a multiplier of 2.25×, based on the 10-year CAGR of 8.46%. The category average over the same window would have grown ₹1 lakh to ₹182,183.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹802,850 today. That's an XIRR (money-weighted annualised return) of 11.59%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,941,446 (multiplier 1.62×). XIRR: 9.30%. 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 Plan - Growth ranks #1 out of 6 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 7.89%; this fund delivered 9.95%.

The worst peak-to-trough decline Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth has experienced over the last 5-year window is 0.76% — 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 - Regular Plan - Growth averaged 7.34% (best 9.95%, worst 5.63%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.07 — strong risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth returned 13.35% — beating the Credit Risk Fund category average of 10.49% by 2.85 pp. It ranked #2 of 7 in its category that year.

Aditya Birla Sun Life Credit Risk Fund - Regular 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 - Regular 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: 9.95%.

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 - 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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