Credit Risk Mutual Funds
At least 65% in debt rated AA and below.
Paid to take credit risk, and that risk is real: a single default can mark the whole portfolio down and freeze redemptions. Read what it holds before the return.
Who it suits. Investors who understand corporate credit and are sizing this small. Hold for 3 years or more.
Direct plans in this category
- BANK OF INDIA CREDIT RISK FUNDBank of India Mutual Fund · NAV ₹14.83 17.7% 10.1% 27.8%
- DSP Credit Risk FundDSP Mutual Fund · NAV ₹60.72 11.2% 16.8% 13.3%
- Aditya Birla Sun Life Credit Risk FundAditya Birla Sun Life Mutual Fund · NAV ₹28.08 12.9% 13.2% 10.9%
- UTI - Credit Risk Fund.UTI Mutual Fund · NAV ₹20.84 6.9% 7.9% 10.2%
- Invesco India Credit Risk FundInvesco Mutual Fund · NAV ₹2,350.95 8.4% 9.7% 8.5%
- ICICI Prudential Credit Risk FundICICI Prudential Mutual Fund · NAV ₹38.62 8.8% 9.2% 8.1%
- Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1)Nippon India Mutual Fund · NAV ₹42.21 7.9% 9.0% 7.9%
- SBI CREDIT RISK FUNDSBI Mutual Fund · NAV ₹54.08 8.6% 8.7% 7.8%
- Axis Credit Risk FundAxis Mutual Fund · NAV ₹26.40 8.7% 8.9% 7.7%
- HDFC Credit Risk FundHDFC Mutual Fund · NAV ₹28.31 7.7% 8.3% 7.2%
- Kotak Credit Risk FundKotak Mahindra Mutual Fund · NAV ₹36.25 7.9% 8.7% 6.8%
- BANDHAN CREDIT RISK FUNDBandhan Mutual Fund · NAV ₹19.03 6.1% 7.4% 6.4%
- Franklin India Credit Risk Fund (No. of segregated portfolios-3)Franklin Templeton Mutual Fund · NAV ₹0.00 — — —
- HSBC Credit Risk FundHSBC Mutual Fund · NAV ₹37.71 6.7% 11.8% —
Point-to-point CAGR from AMFI NAV history, Direct plans only. Ordered by five-year return so the list has a shape, not because the order is a judgement. Past returns do not predict future ones — a fund near the top is usually there because its style suited the last five years, and styles take turns.
Other categories
Questions people ask
What is a Credit Risk fund?
At least 65% in debt rated AA and below. Paid to take credit risk, and that risk is real: a single default can mark the whole portfolio down and freeze redemptions. Read what it holds before the return.
Who should invest in Credit Risk funds?
Investors who understand corporate credit and are sizing this small. A sensible holding period is 3 years or more.
How is this list ordered?
By five-year CAGR computed from AMFI's published NAV history, within one plan type. It is a sort, not a verdict — a fund near the top is there because its style suited the last five years, which is not a promise about the next five.
Should I choose the Direct or Regular plan?
A Direct plan holds exactly the same portfolio without the distributor commission, so its expense ratio is lower — commonly 0.5% to 1.2% a year — and it compounds ahead of the Regular plan for ever. Choose Regular only if you want an intermediary's advice and are content to pay for it annually.