Aditya Birla Sun Life Credit Risk Fund

Direct Plan · GROWTH · Credit Risk · Scheme code 134387

NAV₹28.1555as on 30 Oct 2026

Fund houseAditya Birla Sun Life Mutual Fund

CategoryCredit Risk

Plan & optionDirect · GROWTH

History11.4 years

Returns (%)

	1M	3M	6M	1Y	3Y	5Y	7Y	10Y	Launch
This scheme	0.55	3.05	4.52	13.00	13.16	10.90	9.75	9.37	9.50
Credit Risk category median	—	—	—	6.91	8.41	7.00	—	7.66	—

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	3.0%	2.22	21.94	—	—	-3.9%	—

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
2,511	0.8%	8.8%	18.9%	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.

Aditya Birla Sun Life Credit Risk Fund

Direct Plan · GROWTH

Allocation

By asset

Debt	82.74%
Cash & Equivalents	9.33%
REITs / InvITs	6.45%
Equity	1.22%
AIF Units	0.26%

By market cap

Mid Cap	1.00%
Small Cap	1.22%
Unclassified	88.44%

Concentration

Number of stocks	55
Top 5 stocks	21.82%
Top 10 stocks	37.04%
Top 20 stocks	56.95%
Lines in the filing	57

Largest holding	5.53%
Largest sector	IND AA- 10.91%
Effective stocks	44.2
Sectors held	21
Cash	9.33%

Effective stocks is what the concentration works out to: a fund holding 55 names but most of its money in a few behaves like a fund of 44. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

IND AA-	10.91%
CRISIL AA-	10.55%
ICRA AAA	10.46%
Cash & Equivalents	9.33%
CRISIL AA	8.24%
IND AA	6.19%
Sovereign	5.75%
CARE AA-	4.65%
CRISIL AA+	4.54%
ICRA AA	4.51%
Transport Infrastructure	4.04%
CRISIL AAA	3.02%
CARE A1+	2.66%
IND AA+	2.36%
Realty	2.23%
ICRA AA+	2.10%
ICRA A-	1.93%
ICRA A+	1.79%
CARE AA+	1.75%
Power	1.40%

Aditya Birla Sun Life Credit Risk Fund

Direct Plan · GROWTH · holdings

Top 30 holdings

#	Company	Sector	Shares held	Value ₹ cr	% of fund
1	TREPS	Unclassified	—	170	10.24%
2	9.10% SK Finance Ltd. (10/08/2029)	IND AA-	9,300	92	5.53%
3	8.73% Eris Lifesciences Ltd. (07/06/2027)	IND AA	7,400	74	4.47%
4	Jubilant Bevco Ltd. (31/05/2028) (ZCB)	CRISIL AA	6,500	73	4.41%
5	JTPM Metal Traders Ltd. (29/09/2028) (ZCB)	CRISIL AA	5,877	63	3.83%
6	8.45% Adani Airport Holdings Ltd. (12/02/2029)	IND AA-	6,000	59	3.58%
7	5.00% GMR Airports Ltd. (13/02/2027)	CRISIL AA-	5,200	55	3.33%
8	Government of India (11/05/2036)	Sovereign	5,500,000	54	3.26%
9	7.46% REC Ltd. (30/06/2028)	ICRA AAA	5,000	50	3.01%
10	6.66% Small Industries Development Bank of India (25/10/2028)	CRISIL AAA	5,000	49	2.95%
11	HDFC Bank Ltd. (15/01/2027)	CARE A1+	900	44	2.66%
12	7.79% Tata Capital Housing Finance Ltd. (18/06/2030)	ICRA AAA	4,467	44	2.66%
13	9.25% Hinduja Leyland Finance Ltd. (09/07/2031)	CRISIL AA+	3,500	35	2.10%
14	6.66% National Bank for Agriculture and Rural Development (12/10/2028)	ICRA AAA	3,500	34	2.07%
15	Indus Infra Trust	Transport Infrastructure	2,493,343	32	1.96%
16	9.50% Kogta Financial (India) Ltd. (30/10/2027)	CARE AA-	3,250	32	1.94%
17	11.46% Gaursons India Pvt. Ltd. (26/12/2028)	ICRA A-	3,200	32	1.93%
18	9.45% Vedanta Ltd. (05/06/2028)	CRISIL AA+	3,000	30	1.83%
19	8.75% JSW Energy Ltd. (20/03/2028)	ICRA AA	3,000	30	1.81%
20	8.50% SIS Ltd. (26/03/2028)	CRISIL AA-	3,000	30	1.81%
21	8.32% Hero Housing Finance Ltd. (30/08/2027)	ICRA AA+	3,000	30	1.80%
22	8.50% IKF Finance Ltd. (10/03/2028)	IND AA-	30,000	30	1.80%
23	9.90% Oxyzo Financial Services Pvt. Ltd. (13/03/2029)	ICRA A+	3,000	30	1.79%
24	8.00% Adani Power Ltd. (27/01/2028)	IND AA+	2,925	29	1.76%
25	8.85% Hinduja Housing Finance Ltd. (01/02/2027)	CARE AA+	2,900	29	1.75%
26	State Government Securities (20/07/2035)	Sovereign	2,500,000	25	1.52%
27	8.40% Narayana Hrudayalaya Ltd. (15/02/2030)	ICRA AA	2,500	25	1.50%
28	9.00% Aditya Birla Digital Fashion Ventures Ltd. (20/07/2029)	CRISIL AA-	2,500	25	1.49%
29	6.27% IKF Finance Ltd. (12/08/2027)	CARE AA-	3,500	23	1.41%
30	IndiGrid Infrastructure Trust	Power	1,357,584	23	1.40%

Aditya Birla Sun Life Credit Risk Fund

Direct 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
₹1 cr	₹114 cr	6	2	+0.01%

Stock	Shares traded	Shares	Price	Value ₹ cr
New position
Government of India (11/05/2036)	10,500,000	entered	—	106
7.46% REC Ltd. (30/06/2028)	5,000	entered	—	50.1
TREPS	—	entered	—	38.8
Net Receivable / Payable	—	entered	—	34.1
Cube Highways Trust	1,453,057	entered	—	22.8
7.38% REC Ltd. (28/02/2029)	1,865	entered	—	18.7
Added to
Corporate Debt Mkt Devp. Fund-A2	551	+18.4%	+0.4%	0.7
Trimmed
Government of India (07/07/2040)	6,000,000	-92.3%	-0.4%	58.2
Government of India (06/10/2035)	4,500,000	-99.3%	-0.4%	44.0
IndiGrid Infrastructure Trust	381,525	-21.9%	+1.1%	6.8
Indus Infra Trust	393,075	-13.6%	+4.6%	5.2
Sold out of
Clearing Corporation of India Limited	—	exited	—	51.5
Net Receivables / (Payables)	—	exited	—	34.2

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	₹819,949	₹219,949	12.46%

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 31 Oct 2026.