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PlaystoreAditya Birla Sun Life AMC Limited
Aditya Birla Sun Life AMC Limited
Debt
Credit Risk Fund
An open ended debt scheme predominantly investing in AA and below rated corporate bonds
Annualized Returns %
Annualized
Returns %
Aditya Birla Sun Life Credit Risk Fund
SIP Amount
Min . ₹ 100
Lumpsum Amount
Min. ₹ 100
Fund Overview
Aditya Birla Sun Life Credit Risk Fund is an is an open-ended debt scheme predominantly investing in AA and below rated corporate bonds. A relatively high interest rate risk and relatively high credit risk
Investment Objective
The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the Schemes' objectives will be achieved.
Why one can invest:
-
If you are looking for a debt investment that can offer better yields than conventional debt investments, albeit at slightly higher risk levels
-
If you are looking to invest in a portfolio of well evaluated, high yield corporate bonds
-
If you are looking for suitable investment option for short to medium term (3 years or more)
-
If you are also looking to build a diversified portfolio of corporate bonds across the credit spectrum, even with low minimum investments as little as Rs.100
Fund Details
CAGR
Latest NAV
AUM
Inception Date
Risk
Investment Horizon
3 years or more
Annualized Benchmark Returns
Min Investment
Entry load
NIL
Exit load
3%
In respect of each purchase / switch-in of Units, upto 15% of the units may be
redeemed / switched out without any exit load from the date of allotment.
Any redemption in excess of the above limit shall be subject to the following exit load: • For redemption / switch-out of units on or before 1 year from the date of allotment - 3.00% of applicable NAV. • For redemption / switch-out of units after 1 year but on or before 2 years from the date of allotment - 2.00% of applicable NAV. • For redemption / switch-out of units after 2 year but on or before 3 years from the date of allotment - 1.00% of applicable NAV. • For redemption / switch-out of units after 3 years - Nil
Any redemption in excess of the above limit shall be subject to the following exit load: • For redemption / switch-out of units on or before 1 year from the date of allotment - 3.00% of applicable NAV. • For redemption / switch-out of units after 1 year but on or before 2 years from the date of allotment - 2.00% of applicable NAV. • For redemption / switch-out of units after 2 year but on or before 3 years from the date of allotment - 1.00% of applicable NAV. • For redemption / switch-out of units after 3 years - Nil
Total Expense Ratio (TER)
Sharpe Ratio
Beta Ratio
Other Parameters
Standard Deviation
Modified Duration
-
Yield to Maturity
-
Portfolio Turnover:
-
Average Maturity
-
Macaulay Duration
-
Net Equity Exposure
-
Fund Managers
Ms. Sunaina da Cunha
Mr. Mohit Sharma
Riskometer
(An open ended debt scheme predominantly investing in AA and below rated corporate bonds)
This product is suitable for investors who are seeking
-
Income with capital growth over short to medium term
-
Investments in portfolio of corporate debt securities with short to medium term maturities, across the credit spectrum, and within the investment grade
*Investors should consult their financial advisers if in doubt whether the product is suitable for them
Portfolio & Sector Holdings
Retail
% of Net Assets
Sector Holdings
Dividend History
Any income received under this option would be considered as income for the investors and hence would be taxed at applicable tax slab rates.
Investment Performance
IDCW Plan of this scheme has distributed income to its investors out of its earnings, from time to time. The details of the same is tabulated:| Declared on date | IDCW Yield (Regular Plan) | IDCW Per Unit | Cum IDCW NAV |
|---|
Fund Summary
- Debt instruments are conventionally opted for by conservative investors, looking for fixed income often over shorter investing terms./p>
- We may however have several short/mid-term goals on which we may seek out higher returns. Typically, non-critical goals for which we wish to accumulate considerable sums such as a new car purchase or international holiday fall under this category.
- In a vast debt investing space, what are the options for mid-term investors seeking better returns, especially since equity investing is more suited for a long-term investing period?
- Credit risk funds can be opted for here. These funds invest in high yielding, lower rated corporate bonds. The intention of these funds is to give investors higher yields over a medium investing term.
- Aditya Birla Sun Life Credit Risk Fund is an open-ended debt fund that invests in AA and below rated corporate bonds. The scheme seeks out higher yielding corporate securities with short to medium term maturities. Ultimately seeking reasonable returns with potential for capital growth.
- The fund is suited for a medium-term investing period (typically 3 years or more)
Fund Discipline
- The scheme will invest a minimum of 70% (up to 100%) of its net assets in corporate debt securities (excluding Government Securities (G-secs) and State Development Loans (SDLs)). A minimum of 65% being invested in AA and below rated corporate bonds.
- The scheme may also invest up to 20% of its net assets in money market instruments and up to 10% into units issued by Real Estate Investment Trusts (REITs) and Infrastructure Investment Trusts (InvITs)
- The scheme predominantly invests in corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade
- The maximum duration of the portfolio is capped at 4 years
- Rigorous in-depth credit evaluation and analysis aimed at ascertaining both the short-term financial health and long-term solvency of the debt issuers will be carried out before investing.
- The scheme may also invest up to 20% of its net assets in money market instruments and up to 10% into units issued by Real Estate Investment Trusts (REITs) and Infrastructure Investment Trusts (InvITs)
- The scheme predominantly invests in corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade
- The maximum duration of the portfolio is capped at 4 years
- Rigorous in-depth credit evaluation and analysis aimed at ascertaining both the short-term financial health and long-term solvency of the debt issuers will be carried out before investing.
Value Added Products
- Systematic Investment Plan (SIP) investing means automatically investing a pre-determined sum of money in this fund, at periodic and pre-determined time intervals.
Gives investors the benefit of rupee cost averaging
SIP facility is augmented by several add ons such as Step-up SIPs, Pause SIP, Multi Scheme SIPs etc.
Also read about How to change your SIP instructions - Step up, Pause or Stop?
Salient features of CATP:
Capital Appreciation Transfer Plan (CATP) is a modified version of STP. It allows investors to periodically transfer the capital appreciation earned by investment/s in other open-ended schemes of Aditya Birla Sun Life Mutua Fund, (except Exchange Traded Funds (ETFs)
CATP is offered at monthly or quarterly intervals
Salient features of STP:
Systematic Transfer Plan (STP) allows investors to periodically transfer pre-determined amounts from any open-ended scheme of Aditya Birla Sun Life Mutual Fund into Aditya Birla Sun Life Credit Risk Fund
STP facility can be daily, weekly, monthly or quarterly
Salient features of SWP:
Systematic Withdrawal Plan (SWP) allows investors to periodically withdraw fixed sums of money from the fund. This can take the form of withdrawal of fixed, pre-determined amounts or capital appreciation amount.
Its primary objective is to meet the regular income needs of investors
Tax Applicability
- Investment held for less than 36 months
Short Term Capital Gain Tax would be applicable. Any gains/profits would be added to income of the investor taxed at applicable slab rates (plus applicable surcharge and cess).
Investment held for more than 36 months
Long Term Capital Gain Tax would be applicable. Gains/profits would be taxed at 20% (plus applicable surcharge and cess) after indexation benefit.
Any income received under this option would be considered as income for the investors and hence would be taxed at applicable tax slab rates.
Forms & Downloads
Investors also viewed
Don’t know where to start? Start here!
Frequently Asked Questions
There are two ways in which you can invest in this fund.
o Via Direct Plan - involves purchasing units of the fund directly from Aditya Birla Sun Life Mutual Fund
o Via Regular Plan – involves investing through a distributor or broker of your choice
Both these plans have a common portfolio but separate NAVs. This is because they both apply different expense ratios. Your choice of plan thus directly impacts the returns from your investment.
Currently the regular plan has an expense ratio of ____%, whereas the direct plan charges a lower expense ratio of ____%.
The fund charges an expense ratio of ____% on a regular plan and ____% on a direct plan. (As on _______)
This is an annual charge. It is charged to cover the fund management and administrative costs of the fund, thus having a direct impact on your investment returns.
AUM or assets under management denotes the total market value of investments in Aditya Birla Sun Life Credit Risk Fund that is being managed by Aditya Birla Sun Life.
Investments made in the direct plan of this fund can be easily redeemed online. This can be done either through the mobile app of Aditya Birla Sun Life Mutual fund or from its desktop-based webpage.
Redemption can be made basis a specified amount or basis a specified number of units you wish to redeem.
Yes, you can invest in Aditya Birla Sun Life Credit Risk Fund via SIP or lump-sum route. The choice of mode of investing will be guided by your investing objective, investing term and affordability.
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