The table below shows the Best Credit Risk Funds based on AUM, NAV and minimum SIP.Â
| Name | AUM | Minimum Lump Sum | NAV |
| HDFC Credit Risk Debt Fund | 8,167.48 | 100 | 23.43 |
| ICICI Pru Credit Risk Fund | 7,250.16 | 100 | 31.34 |
| SBI Credit Risk Fund | 2,506.12 | 5,000.00 | 44.23 |
| Nippon India Credit Risk Fund | 1,031.20 | 500 | 34.39 |
| Aditya Birla SL Credit Risk Fund | 983.67 | 100 | 20.34 |
| Kotak Credit Risk Fund | 861.4 | 100 | 29.99 |
| HSBC Credit Risk Fund | 570 | 5,000.00 | 28.21 |
| Axis Credit Risk Fund | 463.99 | 5,000.00 | 21.49 |
| UTI Credit Risk Fund | 395.91 | 500 | 17.4 |
| Bandhan Credit Risk Fund | 359.23 | 1,000.00 | 16.12 |
Content:
- Top Credit Risk Fund
- Credit Risk Funds
- Best Credit Risk Mutual Funds
- Best Credit Risk Funds India
- Best Credit Risk Funds – FAQs
- Introduction to Best Credit Risk Funds
Top Credit Risk Fund
The table below shows the Top Credit Risk Fund based on lowest to highest expense ratio.Â
| Name | Expense Ratio |
| Invesco India Credit Risk Fund | 0.28 |
| DSP Credit Risk Fund | 0.41 |
| Bandhan Credit Risk Fund | 0.67 |
| Aditya Birla SL Credit Risk Fund | 0.68 |
| Kotak Credit Risk Fund | 0.78 |
| Baroda BNP Paribas Credit Risk Fund | 0.79 |
| Nippon India Credit Risk Fund | 0.8 |
| Axis Credit Risk Fund | 0.81 |
| ICICI Pru Credit Risk Fund | 0.84 |
| HSBC Credit Risk Fund | 0.86 |
Credit Risk Funds
The table below shows Credit Risk Funds based on the Highest 3Y CAGR.Â
| Name | CAGR 3Y |
| Bank of India Credit Risk Fund | 40.75 |
| UTI Credit Risk Fund | 11.55 |
| DSP Credit Risk Fund | 10.38 |
| Baroda BNP Paribas Credit Risk Fund | 9.58 |
| Nippon India Credit Risk Fund | 9.16 |
| Aditya Birla SL Credit Risk Fund | 7.64 |
| Invesco India Credit Risk Fund | 7.3 |
| ICICI Pru Credit Risk Fund | 7.26 |
| SBI Credit Risk Fund | 6.9 |
| HDFC Credit Risk Debt Fund | 6.69 |
Best Credit Risk Mutual Funds
The table below shows the Best Credit Risk Mutual Funds based on exit load i.e., the fee that the AMC charges investors when exiting or redeeming their fund units.
| Name | Exit Load | AMC |
| HDFC Credit Risk Debt Fund | 0.5 | HDFC Asset Management Company Limited |
| SBI Credit Risk Fund | 0.75 | SBI Funds Management Limited |
| Bandhan Credit Risk Fund | 1 | Bandhan AMC Limited |
| Baroda BNP Paribas Credit Risk Fund | 1 | Baroda BNP Paribas Asset Management India Pvt. Ltd. |
| Axis Credit Risk Fund | 1 | Axis Asset Management Company Ltd. |
| Kotak Credit Risk Fund | 1 | Kotak Mahindra Asset Management Company Limited |
| ICICI Pru Credit Risk Fund | 1 | ICICI Prudential Asset Management Company Limited |
| UTI Credit Risk Fund | 1 | UTI Asset Management Company Private Limited |
| Nippon India Credit Risk Fund | 1 | Nippon Life India Asset Management Limited |
| DSP Credit Risk Fund | 1 | DSP Investment Managers Private Limited |
Best Credit Risk Funds India
The table below shows Best Credit Risk Funds India based on Absolute 1 Year Return and AMC.
| Name | AMC | Absolute Returns – 1Y |
| DSP Credit Risk Fund | DSP Investment Managers Private Limited | 15.94 |
| Invesco India Credit Risk Fund | Invesco Asset Management Company Pvt Ltd. | 8.89 |
| Kotak Credit Risk Fund | Kotak Mahindra Asset Management Company Limited | 8.52 |
| Nippon India Credit Risk Fund | Nippon Life India Asset Management Limited | 8.34 |
| ICICI Pru Credit Risk Fund | ICICI Prudential Asset Management Company Limited | 8.11 |
| Baroda BNP Paribas Credit Risk Fund | Baroda BNP Paribas Asset Management India Pvt. Ltd. | 8.06 |
| Aditya Birla SL Credit Risk Fund | Aditya Birla Sun Life AMC Limited | 7.67 |
| HDFC Credit Risk Debt Fund | HDFC Asset Management Company Limited | 7.65 |
| Axis Credit Risk Fund | Axis Asset Management Company Ltd. | 7.61 |
| SBI Credit Risk Fund | SBI Funds Management Limited | 7.42 |
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Best Credit Risk Funds – FAQs
1. What are the best credit risk funds?
Best Dynamic Bond Funds #1: HDFC Credit Risk Debt Fund
Best Dynamic Bond Funds #2: ICICI Pru Credit Risk Fund
Best Dynamic Bond Funds #3: SBI Credit Risk Fund
Best Dynamic Bond Funds #4: Nippon India Credit Risk Fund
Best Dynamic Bond Funds #5: Aditya Birla SL Credit Risk Fund
These funds are listed based on the Highest AUM.
2. Are credit risk funds safe?
Credit risk funds earn from interest and capital gains, but downgrades due to non-payment or defaults make them highly volatile. Investors should carefully assess these risks before investing.
3. Who should invest in a credit risk fund?
Credit risk funds are inherently volatile and suitable only for high-risk tolerance investors. They involve potential downgrades, making them a risky investment choice.
4. How do I choose a credit risk fund?
Examine the fund manager’s experience in a comparable role. Opt for a diversified credit risk fund across multiple securities. Typically, allocate 10-20% of your portfolio to such funds, ensuring alignment with your investment plan.
Introduction to Best Credit Risk Funds
Best Credit Risk Funds – AUM, NAV
HDFC Credit Risk Debt Fund
HDFC Credit Risk Debt Fund Direct-Growth, managed by HDFC Mutual Fund, is a credit risk mutual fund scheme with a tenure of 9 years and seven months. Currently, the fund oversees assets worth ₹8443.12 Crores.
ICICI Pru Credit Risk Fund
ICICI Prudential Credit Risk Fund Direct Plan-Growth, managed by ICICI Prudential Mutual Fund, is a credit risk mutual fund scheme with a tenure of 10 years and 9 months. Currently, the fund manages assets worth ₹7503.19 Crores.
SBI Credit Risk Fund
SBI Credit Risk Fund Direct-Growth, managed by SBI Mutual Fund, is a credit risk mutual fund scheme with a tenure of 10 years and 9 months. The fund currently manages assets worth ₹2733.84 Crores.
Top Credit Risk Fund – Expense Ratio
Invesco India Credit Risk Fund
Invesco India Credit Risk Fund Direct-Growth, managed by Invesco Mutual Fund, is a credit risk mutual fund scheme with a tenure of 9 years and 2 months. The fund has an expense ratio of 0.28%.
DSP Credit Risk Fund
DSP Credit Risk Direct Plan-Growth, offered by DSP Mutual Fund, is a credit risk mutual fund scheme with a tenure of 10 years and 9 months. The fund has an expense ratio of 0.40%.
Bandhan Credit Risk Fund
Bandhan Credit Risk Fund Direct-Growth, managed by Bandhan Mutual Fund, is a credit risk mutual fund scheme with a history of 6 years and 8 months. The fund has an expense ratio of 0.65%.
Credit Risk Funds – CAGR 3Y
Baroda BNP Paribas Credit Risk Fund
Baroda BNP Paribas Credit Risk Fund Direct-Growth, offered by Baroda BNP Paribas Mutual Fund, is a credit risk mutual fund scheme with a tenure of 8 years and 9 months. The fund has achieved a Compound Annual Growth Rate (CAGR) of 11.21% over the past 3 years.
UTI Credit Risk Fund
UTI Credit Risk Fund Direct-Growth, managed by UTI Mutual Fund, is a credit risk mutual fund scheme with a tenure of 10 years and 9 months. The fund has achieved a Compound Annual Growth Rate (CAGR) of 11.17% over the past 3 years.
Bank of India Credit Risk Fund
Bank of India Credit Risk Fund Direct-Growth, offered by Bank of India Mutual Fund, has a 3-year Compound Annual Growth Rate (CAGR) of 41.40%. The fund has a tenure of 8 years and 8 months.
Best Credit Risk Funds India – Absolute Returns – 1Y
Nippon India Credit Risk Fund
Nippon India Credit Risk Fund Direct-Growth, offered by Nippon India Mutual Fund, is a credit risk mutual fund scheme with a track record of 10 years and 9 months. It has delivered absolute returns of 8.68% over the past year.
Axis Credit Risk Fund
Axis Credit Risk Fund Direct-Growth, managed by Axis Mutual Fund, is a credit risk mutual fund scheme with a tenure of 9 years and 3 months. It has delivered absolute returns of 7.93% over the past year.
Aditya Birla SL Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund Direct-Growth, offered by Aditya Birla Sun Life Mutual Fund, is a credit risk mutual fund scheme with a tenure of 8 years and 6 months. It has delivered absolute returns of 7.91% over the past year.
Best Credit Risk Mutual Funds – Exit Load
Kotak Credit Risk Fund
Kotak Credit Risk Fund Direct-Growth, managed by Kotak Mahindra Mutual Fund, is a credit risk mutual fund scheme with a tenure of 10 years and 9 months. Investors in this fund are subject to an exit load of 1.00% upon redemption.
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Disclaimer: The above article is written for educational purposes, and the companies’ data mentioned in the article may change over time.
