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.

Scheme Objective

To provide investors long-term capital appreciation along with the liquidity of an open-ended scheme by investing in a mix of debt and equity.

Scheme Details

Fund manager(s) – Lokesh Mallya , Pradeep Kesavan
Launch date – 08-Jan-2013
Expense ratio – 0.89% as declared on 30-Sep-2025 (category average is 0.76%)
Benchmark -

Min SIP amount - ₹
Min investment amount (one time- first time) - ₹
Min investment amount (addtional purchase) - ₹
Type : Open Ended Fund. You can invest any time in this fund.

Exit Load

SBI Credit Risk Fund - Direct Plan - IDCW - Daily charges 0.75% of sell value; if fund sold before 1095 days. There are no other charges., 1.5% if fund sold before 730 days. There are no other charges., 3.0% if fund sold before 365 days. There are no other charges.

Asset Monitor

Total AUM for this Scheme (Cr)

Category Total AUM (Cr)

% of Assets in Category

2025

2210.07

0.00

0.00%

Sep - 2025	2210.07	0.00%
Aug - 2025	2213.59	0.00%
Jul - 2025	2221.25	0.00%
Jun - 2025	2235.76	0.00%
May - 2025	2244.78	0.00%
Apr - 2025	2247.89	0.00%
Mar - 2025	2254.83	0.00%
Feb - 2025	2259.29	0.00%
Jan - 2025	2266.46	0.00%

2024

2278.20

0.00

0.00%

Dec - 2024	2278.20	0.00	0.00%
Nov - 2024	2289.16	0.00	0.00%
Oct - 2024	2311.36	0.00	0.00%
Sep - 2024	2344.80	0.00	0.00%
Aug - 2024	2370.34	0.00	0.00%
Jul - 2024	2401.55	0.00	0.00%
Jun - 2024	2433.86	0.00	0.00%
May - 2024	2463.93	22511.35	10.95%
Apr - 2024	2478.65	22874.49	10.84%
Mar - 2024	2506.12	23141.36	10.83%
Feb - 2024	2556.89	23328.91	10.96%
Jan - 2024	2601.27	23521.30	11.06%

2023

2632.75

23610.09

11.15%

Dec - 2023	2632.75	23610.09	11.15%
Nov - 2023	2661.21	23822.12	11.17%
Oct - 2023	2688.61	23894.10	11.25%
Sep - 2023	2717.36	23932.49	11.35%
Aug - 2023	2733.84	24151.16	11.32%
Jul - 2023	2761.16	24305.12	11.36%
Jun - 2023	2773.04	24308.23	11.41%
May - 2023	2805.78	24549.16	11.43%
Apr - 2023	2818.95	24673.47	11.43%
Mar - 2023	2782.32	24507.88	11.35%
Feb - 2023	2782.95	24387.97	11.41%
Jan - 2023	2816.01	24982.29	11.27%

2022

2833.65

25328.82

11.19%

Dec - 2022	2833.65	25328.82	11.19%
Nov - 2022	2844.08	25492.00	11.16%
Oct - 2022	2875.57	25525.44	11.27%
Sep - 2022	2916.55	25792.75	11.31%
Aug - 2022	2952.39	26206.81	11.27%
Jul - 2022	2963.62	26101.66	11.35%
Jun - 2022	2986.79	26077.86	11.45%
May - 2022	3034.54	26505.74	11.45%
Apr - 2022	3131.25	27348.99	11.45%
Mar - 2022	3191.11	27662.02	11.54%
Feb - 2022	3230.76	27863.84	11.59%
Jan - 2022	3267.27	28114.19	11.62%

2021

3288.88

28051.98

11.72%

Dec - 2021	3288.88	28051.98	11.72%
Nov - 2021	3318.79	28043.88	11.83%
Oct - 2021	3341.44	27631.10	12.09%
Sep - 2021	3380.43	27355.63	12.36%
Aug - 2021	3439.80	26732.20	12.87%
Jul - 2021	3487.62	26441.66	13.19%
Jun - 2021	3472.96	25912.34	13.40%
May - 2021	3496.57	25558.89	13.68%
Apr - 2021	3496.77	25079.70	13.94%
Mar - 2021	3524.26	25013.24	14.09%
Feb - 2021	3589.31	24904.08	14.41%
Jan - 2021	3632.38	24813.61	14.64%

2020

3671.09

24362.77

15.07%

Dec - 2020	3671.09	24362.77	15.07%
Nov - 2020	3699.13	24402.30	15.16%
Oct - 2020	3713.64	24153.87	15.37%
Sep - 2020	3721.25	24219.41	15.36%
Aug - 2020	3764.57	24562.12	15.33%
Jul - 2020	3847.62	24999.06	15.39%
Jun - 2020	3895.23	25400.60	15.34%
May - 2020	3948.90	26388.69	14.96%
Apr - 2020	4148.92	32056.37	12.94%
Mar - 2020	4928.58	50127.08	9.83%
Feb - 2020	5082.65	55291.74	9.19%
Jan - 2020	5055.11	55019.81	9.19%

Tax Rate

Any profit will be clubbed with your income and taxed at your effective tax rate.

Contact Details

SBI Funds Management Limited

9th Floor, Crescenzo, C-38 & 39, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400051
Tel no.: 022 - 61793000
Fax no.: 022 – 67425687
Website.: https://www.sbimf.com

Forum

NITINPIMPALE
MF Investment Help
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7 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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19 days ago

View more

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The Fixed Income
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23 hrs ago

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  Park Your Money in a Safe & High-Return PSU Bond POWER FINANCE CORPORATION LIMITED 2029 ✔️ Coupon: 9.10% ✔️ Rating: CRISIL AAA Stable, ICRA AAA Stable, CARE AAA Stable ✔️ Tenor: 3y 5m (Maturity: 23/Mar/2029) PSU Bond | High Return Bond | Listed Invest with confidence in a highly-rated PSU bond offering steady returns and strong credibility. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dlJTdg-tfi/910-power-finance-corporation-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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69 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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82 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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120 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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