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- Home
- Mutual Funds
- debt
- Credit Risk Funds
- Credit Risk Funds
- Average Return 10.4%
- No of Funds 13
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What is Credit Risk Mutual Fund
Credit risk funds are debt funds that lend at least 65% of their money to not-so-highly rated companies. The borrowers pay higher interest charges as a way to compensate for their lower credit rating, which translates into a higher risk for the lender due to an increased possibility of default. Although these funds lend mostly for short duration, they are still one of the riskiest in the category.
Advantages of Credit Risk Funds
- Ideal for an investment horizon of at least 3-5 years
- High probability of incurring a loss in the short term
- These schemes tend to deliver higher returns than Bank Fixed Deposits but take higher risk
Top schemes of Credit Risk Mutual Funds sorted by last 5 year returns
13 funds
Sort by:
- ETM Rank High to Low
- Returns High to Low
- Fund Size High to Low
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- Annualized
- Absolute
Returns for
- 1 Month
- 3 Months
- 6 Months
- 1 year
- 3 years
- 5 years
via
- Monthly SIP
- One-time (Lumpsum)
Stable Portfolio
Min SIP
₹ 5,000
5 Yrs Return
+10.2%p.a. +10.38%p.a. +23.87% +9.8%p.a. +13.08%p.a. +24.97% +18.36%p.a. +38.63%
Know more
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ICICI Prudential Credit Risk Fund
#1 of 14
Fund Size
₹7,187 Crs
Return (p.a)
-0.1% -0.01% + 4.61%+ 0.72% + 7.4%+ 2.06% + 7.87%+ 4.17% + 7.36%+ 11.73% + 7.61%+ 21.13%
ETM Rank
#1 of 14
Invest
SBI Credit Risk Fund
#2 of 14
Fund Size
₹2,557 Crs
Return (p.a)
+ 6.89%+ 0.53% + 7.65%+ 1.18% + 7.83%+ 2.17% + 7.56%+ 4.01% + 7.45%+ 11.89% + 7.35%+ 20.35%
ETM Rank
#2 of 14
Invest
HDFC Credit Risk Debt Fund
#3 of 14
Fund Size
₹8,167 Crs
Return (p.a)
+ 3.47%+ 0.27% + 6.75%+ 1.04% + 8.01%+ 2.22% + 7.62%+ 4.04% + 6.77%+ 10.76% + 7.29%+ 20.16%
ETM Rank
#3 of 14
Invest
Baroda BNP Paribas Credit Risk Fund
#4 of 14
Fund Size
₹154 Crs
Return (p.a)
+ 7.69%+ 0.59% + 8.06%+ 1.24% + 8.37%+ 2.32% + 8.17%+ 4.33% + 8.38%+ 13.43% + 9.23%+ 26.13%
ETM Rank
#4 of 14
Invest
Axis Credit Risk Fund
#5 of 14
Fund Size
₹472 Crs
Return (p.a)
+ 7.8%+ 0.6% + 8.19%+ 1.26% + 8.28%+ 2.3% + 7.83%+ 4.15% + 7.08%+ 11.28% + 7.18%+ 19.82%
ETM Rank
#5 of 14
Invest
Aditya Birla Sun Life Credit Risk Fund
#6 of 14
Fund Size
₹984 Crs
Return (p.a)
+ 6.01%+ 0.46% + 7.56%+ 1.17% + 7.9%+ 2.19% + 7.67%+ 4.07% + 7.89%+ 12.62% + 7.9%+ 22.0%
ETM Rank
#6 of 14
Invest
Nippon India Credit Risk Fund
#7 of 14
Fund Size
₹1,024 Crs
Return (p.a)
+ 9.11%+ 0.7% + 9.05%+ 1.39% + 8.72%+ 2.41% + 8.41%+ 4.45% + 7.91%+ 12.64% + 7.43%+ 20.6%
ETM Rank
#7 of 14
Invest
Invesco India Credit Risk Fund
#8 of 14
Fund Size
₹138 Crs
Return (p.a)
+ 5.4%+ 0.42% + 6.78%+ 1.05% + 8.58%+ 2.38% + 9.2%+ 4.87% + 8.82%+ 14.17% + 7.7%+ 21.4%
ETM Rank
#8 of 14
Invest
Bank of India Credit Risk Fund
#9 of 14
Fund Size
₹142 Crs
Return (p.a)
+ 8.07%+ 0.62% + 11.71%+ 1.78% + 9.59%+ 2.65% + 7.92%+ 4.2% + 33.18%+ 60.11% + 24.31%+ 82.38%
ETM Rank
#9 of 14
Invest
Bandhan Credit Risk Fund
#10 of 14
Fund Size
₹359 Crs
Return (p.a)
+ 6.32%+ 0.49% + 7.32%+ 1.13% + 7.72%+ 2.14% + 7.12%+ 3.78% + 6.22%+ 9.85% + 6.19%+ 16.9%
ETM Rank
#10 of 14
Invest
DSP Credit Risk Fund
#12 of 14
Fund Size
₹195 Crs
Return (p.a)
+ 6.65%+ 0.51% + 7.9%+ 1.22% + 13.08%+ 3.57% + 16.92%+ 8.86% + 12.6%+ 20.63% + 10.22%+ 29.28%
ETM Rank
#12 of 14
Invest
Kotak Credit Risk Fund
#13 of 14
Fund Size
₹856 Crs
Return (p.a)
+ 2.08%+ 0.16% + 6.54%+ 1.01% + 8.71%+ 2.41% + 8.65%+ 4.58% + 6.4%+ 10.15% + 6.29%+ 17.2%
ETM Rank
#13 of 14
Invest
UTI Credit Risk Fund
#14 of 14
Fund Size
₹396 Crs
Return (p.a)
+ 7.17%+ 0.55% + 7.71%+ 1.19% + 7.81%+ 2.17% + 7.42%+ 3.93% + 8.61%+ 13.81% + 6.45%+ 17.67%
ETM Rank
#14 of 14
Invest
Show all funds
Credit Risk Funds Returns Calculator
See what your investment would have yielded in
Select fund
ICICI Prudential Credit Risk Fund
- ICICI Prudential Credit Risk Fund
- SBI Credit Risk Fund
- HDFC Credit Risk Debt Fund
- Baroda BNP Paribas Credit Risk Fund
- Axis Credit Risk Fund
- Aditya Birla Sun Life Credit Risk Fund
- Nippon India Credit Risk Fund
- Invesco India Credit Risk Fund
- Bank of India Credit Risk Fund
- Bandhan Credit Risk Fund
- DSP Credit Risk Fund
- Kotak Credit Risk Fund
- UTI Credit Risk Fund
via in
- Monthly SIP
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I want to invest of
₹
Minimum: ₹1,000
for a period of for
- 1 Month
- 3 Months
- 6 Months
- 1 Year
- 3 Years
- 5 Years
- 10 years
Invested Gains
You would have got
Total investment Invested ₹ 6 Lakh
Profit ₹ 3.33 Lakh
Current value Current value ₹ 9.33 Lakh
This fund has generated an XIRR of 7.61% over the past 5 Years
See scheme details Invest now
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- How to invest in Credit Risk Funds?
- Frequently Asked Questions
How to invest in Credit Risk Funds?
It is quite easy to invest in Credit Risk mutual funds on ET Money. Here are the steps that you have to follow.
- Register online on ET Money app or website
- Head to Mutual Funds sections and choose the Credit Risk fund you want to invest in.
- Click on invest and choose the amount and mode of investment (SIP or Lumpsum)
- Provide your KYC details (Pan number, Bank details) and complete your investment.
Frequently Asked Questions
Which are the best Credit Risk Mutual Funds to invest in 2024?
These are top 5 Credit Risk funds you can invest in 2024
| Fund Name | Fund Category | ETM Rank | Consistency | 5 Year Return (Annualized) |
|---|---|---|---|---|
| DSP Credit Risk Fund | Debt | # 12 of 14 | 8.05 % p.a. | |
| SBI Credit Risk Fund | Debt | # 2 of 14 | 7.34 % p.a. | |
| Bandhan Credit Risk Fund | Debt | # 10 of 14 | 6.75 % p.a. | |
| Axis Credit Risk Fund | Debt | # 5 of 14 | 6.87 % p.a. | |
| Invesco India Credit Risk Fund | Debt | # 8 of 14 | 6.57 % p.a. |
How long should I stay invested in Credit Risk Mutual Funds?
Credit Risk Funds typically lend for a medium duration. So you should look at them only if you can stay invested for at least 2 years. This also gives the fund enough time to recover if there are any defaults.
Where do Credit Risk Mutual Funds invest?
Credit Risk Funds by regulation need to lend at least 65% of their assets to borrowers who are not top-rated. There is no regulation on the lending duration, but most funds in this category tend to lend for a short duration .
Are Credit Risk Mutual Funds high risk?
Credit Risk Funds lend primarily to not-so-highly rated companies. The borrowers pay higher interest charges as a way to compensate for their lower credit rating, which translates into a higher risk for the lender due to an increased possibility of default. This makes these funds one of the riskiest debt fund categories.
What kind of returns can i earn from Credit Risk ?
Credit Risk Funds have on an average delivered 8.4% p.a. returns in the last 1 year. Their 3 and 5 year annualized returns are 10.4% and 5.78%. p.a.
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