SBI Credit Risk Fund - Direct Plan - IDCW - Daily

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 35 (Category Avg - 35.71) | Modified Duration 2.35 Years (Category Avg - 2.13)| Yield to Maturity 8.05% (Category Avg - 7.59%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	15.36%	14.65%
CD	0.00%	1.34%
NCD & Bonds	76.31%	70.76%
PTC	0.00%	1.47%

Category - Credit Risk Fund

Security Type	% Weight	Category Average
Government Backed	15.36%	14.65%
Low Risk	60.50%	65.39%
Moderate Risk	15.81%	7.73%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Credit Risk Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			1505.47	6.81%	1.50 Cr
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	AA	FITCH	1127.65	5.10%	11.20 k
Bond - Govt of India	GOI	Other			1060.39	4.80%	1.05 Cr
Bond - Infopark Properties Ltd.	NCD & Bonds	Real estate investment trusts (reits)	CARE AA-	CARE	1057.74	4.79%	10.50 k
Bond - ReNew Solar Energy (Jharkhand Five) Private Ltd.	NCD & Bonds	Power generation	CARE AA	CARE	1046.90	4.74%	11.00 k
Bond - HG Infra Engineering Ltd.	NCD & Bonds	Civil construction	LAA-	ICRA	1000.42	4.53%	10.00 k
Bond - NJ Capital Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LA+	ICRA	995.50	4.50%	10.00 k
Bond - Jtpm Metal Traders Pvt Ltd.	NCD & Bonds	Trading - metals	AA	CRISIL	901.44	4.08%	9.00 k
Bond - Sandur Manganese & Iron Ores Ltd.	NCD & Bonds	Ferro & silica manganese	LA+	ICRA	818.12	3.70%	8.50 k
Bond - Avanse Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	CARE AA-	CARE	803.59	3.64%	8.00 k
Bond - Renserv Global Pvt Ltd.	NCD & Bonds	Other electrical equipment	CARE A+	CARE	799.79	3.62%	8.00 k
Bond - Aditya Birla Renewables Ltd.	NCD & Bonds	Power generation	AA	CRISIL	761.40	3.45%	7.50 k
Bond - Motilal Oswal Home Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	758.58	3.43%	7.50 k
Bond - Ashoka Buildcon Ltd.	NCD & Bonds	Civil construction	CARE AA-	CARE	752.79	3.41%	7.50 k
Bond - J S W Steel Ltd.	NCD & Bonds	Iron & steel products	LAA	ICRA	752.29	3.40%	750.00
Bond - Yes Bank	NCD & Bonds	Private sector bank	AA-	CRISIL	647.31	2.93%	650.00
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	506.63	2.29%	5.00 k
Bond - GMR Airports Ltd.	NCD & Bonds	Airport & airport services	A+	CRISIL	505.11	2.29%	5.00 k
Bond - Eris Lifesciences Ltd.	NCD & Bonds	Pharmaceuticals	AA	FITCH	456.57	2.07%	4.50 k
Bond - Govt of India	GOI	Other			416.20	1.88%	40.00 L
Bond - Govt of India	GOI	Other			412.48	1.87%	40.00 L
Bond - Eris Lifesciences Ltd.	NCD & Bonds	Pharmaceuticals	AA	FITCH	404.45	1.83%	4.00 k
Bond - Vistaar Financial Services Pvt Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LA+	ICRA	376.30	1.70%	7.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	253.51	1.15%	2.50 k
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	249.25	1.13%	2.50 k
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	249.11	1.13%	2.50 k
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	248.68	1.13%	2.50 k
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	248.68	1.13%	2.50 k
Bond - Yes Bank	NCD & Bonds	Private sector bank	AA-	CRISIL	199.38	0.90%	200.00
Bond - Sheela Foam Ltd.	NCD & Bonds	Furniture, home furnishing	AA	FITCH	189.13	0.86%	1.88 k
Bond - Sheela Foam Ltd.	NCD & Bonds	Furniture, home furnishing	AA	FITCH	188.70	0.85%	1.88 k
Bond - Sheela Foam Ltd.	NCD & Bonds	Furniture, home furnishing	AA	FITCH	187.53	0.85%	1.88 k
Bond - Latur Renewable Pvt Ltd.	NCD & Bonds	Integrated power utilities	AA+	CRISIL	169.88	0.77%	170.00
Bond - Mahanagar Telephone Nigam Ltd.	NCD & Bonds	Telecom - cellular & fixed line services	INDAAA	FITCH	151.03	0.68%	150.00
Bond - Ashoka Buildcon Ltd.	NCD & Bonds	Civil construction	CARE AA-	CARE	50.19	0.23%	500.00