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Two Credit risk funds side by side: returns, costs, size, risk and how much their portfolios overlap.
SBI Credit Risk Fund vs HDFC Credit Risk Fund, as of 9 Nov 2026: SBI Credit Risk Fund NAV ₹54.54, 3Y CAGR 8.5%, expense ratio 0.90%; HDFC Credit Risk Fund NAV ₹28.57, 3Y CAGR 8.2%, expense ratio 1.01%; about 6% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| SBI Credit Risk Fund Direct Growth | HDFC Credit Risk Fund Direct Growth | |
|---|---|---|
| Category | Credit risk | Credit risk |
| Fund house | SBI Mutual Fund | HDFC Mutual Fund |
| Plan | Direct Plan · Growth | Direct Plan · Growth Option |
| NAV | ₹54.54 (9 Nov 2026) | ₹28.57 (9 Nov 2026) |
| 1Y return | 7.6% | 6.8% |
| 3Y CAGR | 8.5% | 8.2% |
| 5Y CAGR | 7.7% | 7.2% |
| Since launch (CAGR) | 8.6% | 8.7% |
| Expense ratio | 0.90% | 1.01% |
| AUM | ₹2,191 cr | ₹7,617 cr |
| Risk-o-meter | High | High |
| Benchmark | NIFTY Credit Risk Bond Index B-II | NIFTY Credit Risk Bond Index B-II |
| Exit load | — | In respect of each purchase/switch-in of units, an Exit loadof 2% is payable if units are redeemed/switched-out within12 months from the date of allotment. In respect of each purchase/switch-in of units, an Exit loadof 1% is payable if units are redeemed/switched-out after12 months but within 18 months from the date… |
| Minimum SIP | ₹500 | ₹100 |
| Holdings | 46 | 93 |
| Top 10 holdings weight | 40.7% | 31.1% |
| Portfolio overlap | About 6% by weight, from the latest disclosed holdings | |
Returns are point-to-point for each plan, after its expense ratio; periods over one year are CAGR. Past performance is not indicative of future results.
Open in the compare tool: growth charts, SIP outcomes and shared holdings →SBI Credit Risk Fund has the higher 5-year CAGR (as of 9 Nov 2026): SBI Credit Risk Fund 7.7% a year vs HDFC Credit Risk Fund 7.2% a year. Past performance is not indicative of future results.
SBI Credit Risk Fund costs less: SBI Credit Risk Fund charges 0.90% a year and HDFC Credit Risk Fund 1.01% a year.
HDFC Credit Risk Fund is larger: SBI Credit Risk Fund manages ₹2,191 cr and HDFC Credit Risk Fund ₹7,617 cr (as of 9 Nov 2026).
About 6% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "High" on SEBI's risk-o-meter.
We don't give recommendations. Jivani Markets is not a SEBI-registered investment adviser or research analyst. Whether a fund suits you depends on your goals, horizon and risk appetite; speak to a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results.
Returns are for Direct plans, after expenses (TER is already in the NAV). Research, not advice: we do not say a fund suits you. Disclaimer