Best Credit Risk Funds

Best Credit Risk Funds

The table below shows the Best Credit Risk Funds based on AUM, NAV and minimum SIP. 

NameAUMMinimum Lump SumNAV
HDFC Credit Risk Debt Fund8443.12100.0022.44
ICICI Pru Credit Risk Fund7503.19100.0029.95
SBI Credit Risk Fund2733.845000.0042.52
Nippon India Credit Risk Fund1017.67500.0032.98
Aditya Birla SL Credit Risk Fund1001.84100.0019.53
Kotak Credit Risk Fund972.96100.0028.50
Axis Credit Risk Fund524.165000.0020.62
UTI Credit Risk Fund413.70500.0016.74
Bandhan Credit Risk Fund399.831000.0015.49
HSBC Credit Risk Fund339.105000.0027.19

Content:

Top Credit Risk Fund

The table below shows the Top Credit Risk Fund based on lowest to highest expense ratio. 

NameExpense Ratio
Invesco India Credit Risk Fund0.28
DSP Credit Risk Fund0.40
Bandhan Credit Risk Fund0.65
Aditya Birla SL Credit Risk Fund0.68
Kotak Credit Risk Fund0.77
Baroda BNP Paribas Credit Risk Fund0.79
Axis Credit Risk Fund0.80
HSBC Credit Risk Fund0.85
UTI Credit Risk Fund0.86
ICICI Pru Credit Risk Fund0.87

Credit Risk Funds

The table below shows Credit Risk Funds based on the Highest 3Y CAGR. 

NameCAGR 3Y
Bank of India Credit Risk Fund41.40
Baroda BNP Paribas Credit Risk Fund11.21
UTI Credit Risk Fund11.17
DSP Credit Risk Fund9.77
Nippon India Credit Risk Fund9.31
Aditya Birla SL Credit Risk Fund7.84
ICICI Pru Credit Risk Fund6.92
HDFC Credit Risk Debt Fund6.76
Axis Credit Risk Fund6.67
SBI Credit Risk Fund6.60

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.

NameExit LoadAMC
HDFC Credit Risk Debt Fund0.50HDFC Asset Management Company Limited
SBI Credit Risk Fund0.75SBI Funds Management Limited
Baroda BNP Paribas Credit Risk Fund1.00Baroda BNP Paribas Asset Management India Pvt. Ltd.
UTI Credit Risk Fund1.00UTI Asset Management Company Private Limited
DSP Credit Risk Fund1.00DSP Investment Managers Private Limited
Nippon India Credit Risk Fund1.00Nippon Life India Asset Management Limited
ICICI Pru Credit Risk Fund1.00ICICI Prudential Asset Management Company Limited
Axis Credit Risk Fund1.00Axis Asset Management Company Ltd.
Kotak Credit Risk Fund1.00Kotak Mahindra Asset Management Company Limited
Bandhan Credit Risk Fund1.00Bandhan AMC Limited

Best Credit Risk Funds India

The table below shows Best Credit Risk Funds India based on Absolute 1 Year Return and AMC. 

NameAMCAbsolute Returns – 1Y
DSP Credit Risk FundDSP Investment Managers Private Limited16.54
Invesco India Credit Risk FundInvesco Asset Management Company Pvt Ltd.12.83
SBI Credit Risk FundSBI Funds Management Limited8.93
Nippon India Credit Risk FundNippon Life India Asset Management Limited8.68
Baroda BNP Paribas Credit Risk FundBaroda BNP Paribas Asset Management India Pvt. Ltd.8.14
Axis Credit Risk FundAxis Asset Management Company Ltd.7.93
Aditya Birla SL Credit Risk FundAditya Birla Sun Life AMC Limited7.91
ICICI Pru Credit Risk FundICICI Prudential Asset Management Company Limited7.79
UTI Credit Risk FundUTI Asset Management Company Private Limited7.69
HSBC Credit Risk FundHSBC Global Asset Management (India) Private Limited7.47

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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.

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