SBI Credit Risk Fund
Credit Risk fund from SBI Mutual Fund. Direct and regular Growth plans: returns over 1, 3 and 5 years, against the Nifty 50, its rank among credit risk funds and what a ₹10,000 SIP became.
As of 30 Sep 2026, SBI Credit Risk Fund (direct plan, Growth) has returned 7.7% a year over 5 years, 8.5% over 3 years and 7.8% over 10 years. That ranks 7 of 12 credit risk funds over 5 years. A ₹10,000 monthly SIP for 5 years (₹6,00,000) was worth ₹7,40,773, an XIRR of 8.4%. Expense ratio: 0.90% a year for the direct plan and 1.54% for the regular plan. Latest NAV ₹54.07 (29 Oct 2026).
SBI Credit Risk Fund returns
| Plan | 1 year | 3 years | 5 years | 10 years |
|---|---|---|---|---|
| Direct | 8.0% | 8.5% | 7.7% | 7.8% |
| Regular | 7.3% | 7.8% | 7.0% | 7.1% |
To 30 Sep 2026. Returns are yearly (CAGR) from AMFI month-end NAVs of the Growth option. An index's return is measured through a low-cost index fund's direct plan, so it is a little below the index itself. Past returns do not tell you what a fund will do next, and this is not a recommendation to buy or sell any fund.
Calendar-year returns
| Year | Direct | Regular |
|---|---|---|
| 2025 | 8.6% | 7.9% |
| 2024 | 8.8% | 8.1% |
| 2023 | 9.0% | 8.3% |
| 2022 | 4.9% | 4.2% |
| 2021 | 5.6% | 5.0% |
| 2020 | 10.5% | 9.8% |
| 2019 | 7.1% | 6.5% |
| 2018 | 7.1% | 6.2% |
| 2017 | 7.7% | 6.9% |
| 2016 | 11.3% | 10.5% |
What a ₹10,000 SIP in SBI Credit Risk Fund became
| Plan | SIP for | Invested | Value at 30 Sep 2026 | XIRR |
|---|---|---|---|---|
| Direct | 3 years | ₹3,60,000 | ₹4,09,052 | 8.5% |
| Direct | 5 years | ₹6,00,000 | ₹7,40,773 | 8.4% |
| Regular | 3 years | ₹3,60,000 | ₹4,04,806 | 7.8% |
| Regular | 5 years | ₹6,00,000 | ₹7,27,939 | 7.7% |
A ₹10,000 SIP at each month-end NAV, valued at the latest month-end. Try your own amount and dates with the SIP calculator.
Expense ratio
0.90% a year for the direct plan and 1.54% for the regular plan, as disclosed for 30 Sep 2026 (AMFI's TER disclosure). It is taken out of the fund every day, so the returns above are already after it. On ₹10 lakh growing at 12% a year for 10 years, a 1.54% expense ratio instead of 0.90% costs ₹1,60,833. Try your own numbers with the expense ratio calculator.
Direct vs regular plan
The regular plan returned 0.69 points a year less than the direct plan over 5 years: on ₹10 lakh invested 5 years ago, that is ₹45,749 less today. The difference is the distributor's commission and the higher expense ratio. See it for your amount with the direct vs regular calculator.
Where it ranks among credit risk funds
| Rank | Fund | 5-year return (direct) |
|---|---|---|
| 1 | Bank Of India Credit Risk Fund | 27.8% |
| 2 | DSP Credit Risk Fund | 13.4% |
| 3 | Aditya Birla Sun Life Credit Risk Fund | 10.9% |
| 4 | Invesco India Credit Risk Fund | 8.4% |
| 5 | ICICI Prudential Credit Risk Fund | 8.0% |
| 7 | SBI Credit Risk Fund | 7.7% |
Ranked by 5-year return among the 12 credit risk funds with that much history. All credit risk funds.
Key takeaways
Frequently asked questions
What is the NAV of SBI Credit Risk Fund?
₹54.07 for the direct plan (Growth) on 29 Oct 2026, from AMFI.
What are SBI Credit Risk Fund's 5-year returns?
7.7% a year (direct plan, to 30 Sep 2026).
What is the expense ratio of SBI Credit Risk Fund?
0.90% a year for the direct plan and 1.54% for the regular plan (AMFI disclosure for 30 Sep 2026).
What did a SIP in SBI Credit Risk Fund return?
₹10,000 a month for 5 years became ₹7,40,773, an XIRR of 8.4%.