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  • SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D)

Formerly SBI Credit Risk Fund Reg Dl Div

SBI Mutual Fund

SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D)

DebtCredit Risk

11.7574

NAV (Oct 13)

6.3%
3 Year CAGR
Scripbox Opinion

Neutral

Click here for top ranked funds in credit risk mutual funds.

However, Scripbox does not recommend investing in credit risk mutual funds.

Credit Risk Funds are mandated to invest more than 65% of the portfolio in Corporate Bonds rated AA or below.

These instruments carry a high default risk.

The events of the recent past have shown the impact of poor credit quality on such funds.

Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

9 Years. The fund has an Extended history for analysis and the track record is excellent.

Relative Size

3,381 Cr. Large within the category

Impact of Interest Rate Changes

High Interest Rate Risk. The impact on fund value is high when interest rates change

Credit Quality Of Fund's Portfolio

High Credit Risk. The fund has a lower credit quality compared to other debt funds

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Short Term Money

Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

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    Historical growth rate of 6.5% per annum
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    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only, Car, Down Payment

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Historical NAV

11.7574

NAV (Oct 13)

Fund Returns

Last 1Y
6.4%
Last 3Y
6.3%
Last 5Y
5.6%
Last 10Y
NA
Since Inception
6.5%
6 Month CAGR
3.4%
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Scheme Information

Investment Objective

To provide the investors an opportunity to predominantly invest in corporate bonds rated AA and below(excluding AA+ rated corporate bonds) so as to generate attractive returns while maintaining moderate liquidity in the portfolio through investment in money market securities.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

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High Risk

Expense Ratio
1.55
Launched (9y ago)
Dec 03, 2012
AUM in Crores
3380.433
ISIN
INF200K01QK1
Lock-in
No Lock-in
Benchmark
CRISIL Composite Credit Risk TR INR
SIP Minimum
1000
Lumpsum Min.
5000
Fund Managers
user-avatar

Lokesh Mallya

Fund Manager

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Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Inflation beating returns
    Inflation beating returns
  • Expert Investing Only, Car, Down Payment
    Expert Investing Only, Car, Down Payment
  • One click investing  tracking
    One click investing tracking
comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record

Kotak Savings Fund (G)

recommended-badge

₹ 12,698 cr

5

recommended-badge

₹ 28,554 cr

5

recommended-badge

₹ 11,007 cr

5

recommended-badge

₹ 21,654 cr

5

recommended-badge

₹ 28,496 cr

5

amc-icon

About the AMC

SBI Funds Management Private Limited

SBI Funds Management Private Limited manages assets worth 447,176 crores and was set up on 7 February 1992. It's current offering of mutual fund schemes includes 75 equity,232 debt and 54 hybrid funds.

amc-img

Fund NameScripbox Opinion
Till Date CAGR
recommended-badge

25.7%

20.6%

recommended-badge

6.2%

7.2%

top-ranked-badge

25.7%

%

top-ranked-badge

5.1%

5.8%

top-ranked-badge

5.1%

5.8%

growth

Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • graph-icon-gray
    Historical growth rate of 6.5% per annum
  • graph-icon-gray
    Recommended Duration 1 - 5 years
  • graph-icon-gray
    No Lock-in
  • graph-icon-gray
    Expert Investing Only, Car, Down Payment
  • graph-icon-gray
    One-click investing and tracking
  • graph-icon-gray
    Zero fees for all your investments
Kotak Savings Fund (Growth)

Kotak Savings Fund (Growth)

Debt

Ultra Short

ICICI Prudential Savings Fund (Growth)

ICICI Prudential Savings Fund (Growth)

Debt

Low Duration

Tata Liquid Fund (Growth)

Tata Liquid Fund (Growth)

Debt

Liquid

How does Scripbox rate funds?

Proprietary 4-step system to rate mutual funds

We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

What Scripbox recommendations mean?
Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
Track Record

Track Record

We look at consistent and long historical performance for our analysis.

Fund Size

Fund Size

We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

Sub-asset Class View

Sub-asset Class View

We check if the sub-category of the fund is recommended by us.

Fund Performance

Fund Performance

Consistency of performance over various tenures is analysed for a relative performance stack.

Track Record

Track Record

We look at consistent and long historical performance for our analysis.

Fund Size

Fund Size

We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

Impact of Interest Rates

Impact of Interest Rates

We check the relative interest rate risk of the sub-category of the fund. Lower the better.

Credit Attractiveness

Credit Attractiveness

We check the credit quality of the underlying instruments present in the fund. Higher the better.

Equity Funds

Debt Funds

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3,600+

AUM

2,500+

Cities

2012

Established

About SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D)

About SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D)

SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) is a Credit Risk Debt fund and has delivered an annualised return of 6.5% over a period of 8 years. The fund was previously known as SBI Credit Risk Fund Reg Dl Div . The fund is managed by SBI Funds Management Private Limited. The fund manager’s name is Lokesh Mallya

SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) Investment Objective

To provide the investors an opportunity to predominantly invest in corporate bonds rated AA and below(excluding AA+ rated corporate bonds) so as to generate attractive returns while maintaining moderate liquidity in the portfolio through investment in money market securities. . However, there is no assurance that the objective of the scheme will be realized.

SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) NAV,AUM,Risk

The SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) fund was launched on Dec 03, 2012. The NAV (Net Asset Value) of this Credit Risk Debt fund as of 2021-10-13 is ₹11.76. The total AUM (Asset Under Management) of the fund as of 14/10/2021 is ₹3380.433. The category risk of the SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) fund is High Risk. The fund charges 1.55 % as expense ratio.

SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) Holdings

The fund’s highest allocation is towards Debt and has invested 84.7% in this asset class. The top three holdings of the fund are , 7.27% govt stock 2026 , indinfravit trust , tata international limited , 06.72 kl sdl 2027 , treps , tmf holdings limited , tata projects limited , dhfl vysya housing finance limited , coastal gujarat power limited , 5.63% govt stock 2026 , mahindra rural housing finance limited , flometallic india private limited , avanse financial services limited , bank of baroda , crompton greaves consumer electrcials limited , manappuram finance limited , au small finance bank limited , godrej properties limited , net receivable / payable , pune solapur expressways private limited , godrej industries limited , 8.24% tamil nadu sdl 2025 , godrej industries limited , jsw energy l(formerly jindal thermal power c l ear jindal tractebel power c , au small finance bank limited , century textiles & industries limited , 6.18% govt stock 2024 , 6.10% govt stock 2031 , tata power renewable energy limited , bharti hexacom limited , indostar capital finance limited , kec international limited , flometallic india private limited , tata realty and infrastructure limited , nuvoco vistas corporation limited , jm financial asset reconstruction company limited , ahmedabad-maliya tollway limited , larsen and toubro limited , indian bank , union bank of india , 5.22% goi 2025 , state bank of india , indian bank , indian bank , 91 dtb 25112021 , gateway distriparks limited , latur renewable private limited , latur renewable private limited , latur renewable private limited , aarish solar power private limited , gateway distriparks limited , housing development finance corporation limited , pratyash renewable private limited , gateway distriparks limited , zuvan energy private limited , sei baskara power private limited , gateway distriparks limited , elena renewable energy private limited , sei enerstar renewable energy private limited , aashman energy private limited , shreyas renewable energy private limited , sei mihir energy private limited , divyesh power private limited , gateway distriparks limited

SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) Sip

The minimum SIP (Systematic Investment Plan) amount for this is ₹1000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) Investment volatility and Horizon

This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to CRISIL Composite Credit Risk TR INR.

SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) Review

SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) has a score of 3 on a scale of 5. The fund has a score of 5 out of 5 based on historical performance. As compared to the other funds in its category, SBI Credit Risk Fund Income Dist cum Cap Wdrl (RIDCW-D) has a score of 4out of 5 The credit risk of the fund is 2 out of 5 as compared to other debt funds.

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