SBI CREDIT RISK FUND

Regular Plan · Growth · Credit Risk · Scheme code 102505

NAV₹49.6841as on 31 Oct 2026

Fund houseSBI Mutual Fund

CategoryCredit Risk

Plan & optionRegular · Growth

History20.4 years

Returns (%)

	1M	3M	6M	1Y	3Y	5Y	7Y	10Y	Launch
This scheme	0.73	3.15	4.35	7.78	7.92	7.07	7.29	7.14	7.75
Credit Risk category median	—	—	—	6.41	7.59	6.80	—	6.76	—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

	Volatility	Sharpe	Sortino	Beta	Alpha	Max fall	R²
This scheme	1.1%	1.30	3.41	—	—	-2.3%	—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

Drawdown from peak (%)

Every one-year period it has lived through

Windows	Worst	Median	Best	Periods that lost money
4,712	3.2%	7.8%	11.7%	0%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

SBI CREDIT RISK FUND

Regular Plan · Growth

Allocation

By asset

Debt	87.47%
REITs / InvITs	8.91%
Cash & Equivalents	3.23%
AIF Units	0.39%

By market cap

Unclassified	96.77%

Concentration

Number of stocks	46
Top 5 stocks	22.69%
Top 10 stocks	40.74%
Top 20 stocks	67.80%
Lines in the filing	48

Largest holding	4.64%
Largest sector	CRISIL AA 22.22%
Effective stocks	35.0
Sectors held	18
Cash	3.23%

Effective stocks is what the concentration works out to: a fund holding 46 names but most of its money in a few behaves like a fund of 35. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL AA	22.22%
IND AA	12.02%
Sovereign	10.63%
[ICRA]AA-	9.18%
Transport Infrastructure	8.25%
CRISIL AAA	4.76%
CARE AA	4.53%
CARE AA-	4.10%
CARE A(CE)	3.67%
[ICRA]AA+	3.43%
[ICRA]AA	3.37%
Cash & Equivalents	3.23%
CRISIL AA-	2.95%
[ICRA]A-	2.75%
CRISIL AA+	2.29%
[ICRA]AAA	0.89%
IND AAA(CE)	0.68%
Construction	0.66%
CDMDF	0.39%

SBI CREDIT RISK FUND

Regular Plan · Growth · holdings

Top 30 holdings

#	Company	Sector	Shares held	Value ₹ cr	% of fund
1	H.G. Infra Engineering Ltd.	[ICRA]AA-	10,000	101	4.64%
2	NJ Capital Pvt. Ltd.	[ICRA]AA-	10,000	99	4.54%
3	Renew Solar Energy (Jharkhand Five) Pvt. Ltd.	CARE AA	11,000	99	4.53%
4	Tata Projects Ltd.	IND AA	10,000	99	4.53%
5	JTPM Metal Traders Ltd.	CRISIL AA	9,000	97	4.45%
6	Lodha Developers Ltd.	CRISIL AA	10,000	86	3.93%
7	Renserv Global Pvt Ltd.	CARE A(CE)	8,000	80	3.67%
8	JSW JFE Kalinga Steel Ltd.	CRISIL AA	7,500	78	3.58%
9	Aditya Birla Renewables Ltd.	CRISIL AA	7,500	75	3.44%
10	Motilal Oswal Home Finance Ltd.	[ICRA]AA+	7,500	75	3.43%
11	Cholamandalam Investment & Finance Co. Ltd.Perpetual	[ICRA]AA	75	74	3.37%
12	Raajmarg Infra Investment Trust	Transport Infrastructure	5,814,694	70	3.22%
13	GMR Airports Ltd.	CRISIL AA-	6,000	64	2.95%
14	Kogta Financial (India) Ltd.	CARE AA-	6,500	64	2.95%
15	Gaursons India Pvt. Ltd.	[ICRA]A-	6,000	60	2.75%
16	Avanse Financial Services Ltd.	IND AA	6,000	60	2.73%
17	TREPS	Unclassified	—	58	2.67%
18	Aditya Birla Real Estate Ltd.	CRISIL AA	5,000	50	2.30%
19	Motilal Oswal Financial Services Ltd.	CRISIL AA+	5,000	50	2.29%
20	Small Industries Development Bank of India	CRISIL AAA	5,000	49	2.25%
21	364 DAY T-BILL 28.01.27	Sovereign	5,000,000	49	2.25%
22	7.47% State Government of Karnataka 2036	Sovereign	5,000,000	49	2.23%
23	Cube Highways Trust	Transport Infrastructure	3,092,733	48	2.20%
24	Indus Infra Trust	Transport Infrastructure	3,668,457	48	2.18%
25	Eris Lifesciences Ltd.	IND AA	4,500	45	2.06%
26	7.66% State Government of Bihar 2041	Sovereign	4,500,000	44	2.01%
27	Eris Lifesciences Ltd.	IND AA	4,000	40	1.84%
28	7.06% CGL 2041	Sovereign	3,000,000	29	1.34%
29	Indostar Capital Finance Ltd.	CARE AA-	2,500	25	1.15%
30	Small Industries Development Bank of India	CRISIL AAA	2,500	25	1.14%

SBI CREDIT RISK FUND

Regular Plan · Growth · where the money sits

What the manager did last month

Between the filings of 30 Jun 2026 and 31 Jul 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

Bought	Sold	New positions	Sold out of	Price move of holdings
₹0 cr	₹0 cr	0	2	+1.81%

Stock	Shares traded	Shares	Price	Value ₹ cr
Sold out of
Short Term Deposits	—	exited	—	0.0
Term Deposits Placed as Margins	—	exited	—	0.0

Not equity	Previous filing	This filing	Change
Cash, repo and TREPS	₹56 cr	₹54 cr	−₹2 cr
Debt: bills, CDs and commercial paper	₹1,904 cr	₹1,908 cr	+₹4 cr

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

A ₹10,000 monthly SIP over five years

Invested	Value	Gain	XIRR
₹600,000	₹730,851	₹130,851	7.83%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 1 Nov 2026.