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: 9.67%.

Aditya Birla Sun Life

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

Latest NAV

₹24.7007

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	3 / 8	Q2
1W	+0.26%	+20.96%	-20.70	2 / 9	Q1
2W	+0.43%	+36.31%	-35.88	3 / 8	Q2
1M	+0.29%	+36.44%	-36.15	5 / 8	Q3
3M	+1.31%	+38.01%	-36.70	3 / 8	Q2
6M	+6.20%	+40.85%	-34.65	2 / 8	Q1
YTD	+5.86%	+38.38%	-32.52	2 / 8	Q1
1Y	+11.01%	+30.24%	-19.22	2 / 9	Q1
2Y	+14.16%	-0.66%	+14.82	2 / 9	Q1
3Y	+11.67%	+8.30%	+3.37	1 / 7	Q1
4Y	+11.16%	+7.83%	+3.33	1 / 6	Q1
5Y	+9.67%	+7.66%	+2.01	1 / 6	Q1
7Y	+8.72%	+6.07%	+2.65	1 / 6	Q1
10Y	+8.41%	+6.17%	+2.24	1 / 5	Q1
Inception	+8.46%	-11.82%	+20.27	3 / 10	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	+5.86%	+2.47%	+3.39	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%	+44.94%	-37.85	2 / 7
2021	+6.33%	-7.03%	+13.35	3 / 8
2020	+9.31%	-1.71%	+11.02	1 / 7
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

+8.37%

124 windows

min 0.2% · max 17.9%

100% positive

3-Year rolling

+7.51%

99 windows

min 4.3% · max 12.0%

100% positive

5-Year rolling

+7.27%

75 windows

min 5.6% · max 9.8%

100% positive

7-Year rolling

+7.29%

51 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

2.82%

3-year · annualised

Sharpe ratio

1.64

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.43%

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
Invesco India Credit Risk Fund - Regular Plan - Growth	Invesco	₹2,038.4448	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Growth	Bandhan	₹16.9818	3 Jun 2026
HSBC Credit Risk Fund - Regular Growth	HSBC	₹33.7773	3 Jun 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	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Growth Option	UTI	₹0.0000	3 Jun 2026
Axis Credit Risk Fund - Regular Plan - Growth	Axis	₹22.7579	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹24.7007
2 Jun 2026	₹24.7026
1 Jun 2026	₹24.6902
29 May 2026	₹24.6672
27 May 2026	₹24.6574
26 May 2026	₹24.6395
25 May 2026	₹24.6267
22 May 2026	₹24.5897
21 May 2026	₹24.5727
20 May 2026	₹24.5947

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 Plan - Growth is ₹24.7007. 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 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 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 11.01% — -19.22 pp behind the Credit Risk Fund category average of 30.24%. The fund ranks #2 of 9 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 11.67% — +3.37 pp ahead of the Credit Risk Fund category average of 8.30%. 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 9.67% — +2.01 pp ahead of the Credit Risk Fund category average of 7.66%. 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 ₹224,275 today — a multiplier of 2.24×, based on the 10-year CAGR of 8.41%. The category average over the same window would have grown ₹1 lakh to ₹181,952.

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 ₹796,715 today. That's an XIRR (money-weighted annualised return) of 11.28%.

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 ₹1,923,032 (multiplier 1.60×). XIRR: 9.12%. 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 7.66%; this fund delivered 9.67%.

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 7.27% (best 9.85%, worst 5.62%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.05 — 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: 9.67%.

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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