Aditya Birla Sun Life Credit Risk Fund

Income-oriented debt or money-market exposure

The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the Schemes' objectives will be achieved.

How the money may be invested

Under normal circumstances, the asset allocation of the Scheme will be as follows: Corporate Debt securities* excluding Government securities and State Development Loans - 70-100% Money Market Instruments - 0-20% Units issued by InvITs - 0-10% *For the purpose of this Scheme, Corporate debt securities shall mean non-convertible debt securities, including debentures, bonds and such other securities of a company or a body corporate constituted by or under a Central or State Act, whether constituting a charge on the assets of the company or body corporate or not, but does not include debt securities issued by Government.

SEBI category

Debt Scheme - Credit Risk Fund

Fund type

An open ended debt scheme predominantly investing in AA and below rated corporate bonds. A relatively high interest rate risk and relatively high credit risk.

Primary benchmark

CRISIL Credit Risk Debt B-II Index

Use the latest monthly portfolio

Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.

Manager and scheme tenure

Fund manager(s)

Ms. Sunaina Da Cunha · Mr. Mohit Sharma

Manager tenure on this scheme

Ms. Sunaina Da Cunha — since 17 April 2015 · Mr. Mohit Sharma — since August 06, 2020.

Role / co-management

Ms. Sunaina Da Cunha — Comanage · Mr. Mohit Sharma — Comanage

The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.

Latest NAV records

NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.

What you pay and how money moves

Stated expense ratio

Regular: 1.36% · Direct: 0.67%

Exit load

• For redemption / switch-out of units on or before 1 year from the date of allotment: 1.00% of applicable NAV. • For redemption / switch-out of units after 1 year: NIL

Minimum application

100 · multiples of 1

SIP frequency

Once a month · Once a week · Four times a month · Specific dates in a month

Minimum SIP amount

100

Minimum instalments

6

How a mutual-fund investment is paid

1. Complete KYCIdentity, PAN, bank and contact verification are required.
2. Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
3. Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
4. Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
5. Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.

Download and verify at source

The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.

Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.