Credit-risk funds are debt funds which have at least 65% of their investments in less than AA-rated paper. They generate high returns by taking higher credit risk and by investing in lower-rated papers.

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Credit-risk funds are debt funds which have at least 65% of their investments in less than AA-rated paper. They generate high returns by taking higher credit risk and by investing in lower-rated papers.

Franklin India Credit Risk Fund (erstwhile known as Franklin India Corporate Bond Opportunities Fund


Debt-Credit-Risk

Returns 3Y

9.35%

Returns 5Y

9.66%

Min Order

₹5,000

Min SIP

₹500

Exit load : Entry Load Nil Exit Load 3% (< 12 mths) 2% (> 12 mths) 1% (> 24 mths) Nil (>36 mths)

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SIP

IDBI Credit Risk Fund


Debt-Credit-Risk

Returns 3Y

7.21%

Returns 5Y

8.3%

Min Order

₹5,000

Min SIP

₹500

Exit load : 2% for redemption within 540 days

Invest
SIP

ICICI Prudential Credit Risk Fund


Debt-Credit-Risk

Returns 3Y

8.75%

Returns 5Y

9.26%

Min Order

₹100

Min SIP

₹100

Exit load : Entry Load Not Applicable. In terms of SEBI circular no. SEBI/IMD/CIR No. 4/ 168230/09 dated June 30 2009 it is notified that w.e.f. August 01 2009 there will be no entry load charged to the schemes of the Mutual Fund and the upfront commission to distributors will be paid by the investor directly to the distributor based on his assessment of various factors including the service rendered by the distributor. Exit Load (a) if the amount sought to be redeemed or switched out is invested

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SIP

Principal Credit Risk Fund


Debt-Credit-Risk

Returns 3Y

7.9%

Returns 5Y

8.53%

Min Order

₹5,000

Min SIP

₹2,000

Exit load : Exit Load NIL

Invest
SIP

Baroda Credit Risk Fund


Debt-Credit-Risk

Returns 2Y

7.13%

Returns 3Y

8.96%

Min Order

₹5,000

Min SIP

₹500

Exit load : NA

Invest
SIP

IDFC CREDIT RISK FUND


Debt-Credit-Risk

Returns 1Y

8.69%

Returns 2Y

7.15%

Min Order

₹5,000

Min SIP

₹1,000

Exit load : 10% of investment : Nil Remaining investment : 1% if redeemed/switched out within 12 months from the date of allotment

Invest
SIP

Invesco India Credit Risk Fund


Debt-Credit-Risk

Returns 2Y

2.47%

Returns 3Y

5.22%

Min Order

₹1,000

Min SIP

₹1,000

Exit load : If redeemed/switched-out on or before 1 year from the date of allotment : 1% If redeemed/switched-out after 1 year from the date of allotment : Nil

Invest
SIP

SBI CREDIT RISK FUND -


Debt-Credit-Risk

Returns 3Y

7.99%

Returns 5Y

9.08%

Min Order

₹5,000

Min SIP

₹500

Exit load : For exit within 12 months from the date of allotment: For 8% of the investment – Nil For the remaining investment - 3% For exit after 12 months but within 24 months from the date of allotment: For 8% of the investment – Nil For the remaining investment -1.5% For exit after 24 months but within 36 months from the date of allotment: For 8% of the investment – Nil For the remaining investment -0.75%; For exit after 36 months from the date of allotment – Nil

Invest
SIP

Sundaram Short Term Credit Risk Fund


Debt-Credit-Risk

Returns 2Y

7.98%

Returns 3Y

8.27%

Min Order

₹5,000

Min SIP

₹250

Exit load : Exit Load 2% if redeemed within 1 year from the date of allotment and 1.5% if redeemed within 1 & half year from the date of allotment

Invest
SIP

DHFL Pramerica Credit Risk Fund (earlier known as DHFL Pramerica Credit Opportunities Fund)


Debt-Credit-Risk

Returns 1Y

5.99%

Returns 2Y

6.16%

Min Order

₹5,000

Min SIP

₹500

Exit load : Entry Load Nil Exit Load (w.e.f. June 01 2016) 10% of the units allotted may be redeemed without any exit load within 1 year from the date of allotment; Any redemptions / switch outs in excess of the abovementioned limit would be subject to an exit load of 1% if the units are redeemed / switched out within 1 year from the date of allotment of units; Nil - If the units are redeemed / switched out after 1 year from the date of allotment of units.

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SIP

Reliance Credit Risk Fund


Debt-Credit-Risk

Returns 3Y

7.46%

Returns 5Y

8.63%

Min Order

₹500

Min SIP

₹100

Exit load : 10% of the units allotted shall be redeemed without any exit load, on or before completion of 12 months from the date of allotment of units. Any redemption in excess of such limit in the first 12 months from the date of allotment shall be subject to the following exit load. Redemption of units would be done on First in First out Basis (FIFO): s  IF REDEEMED OR SWITCHED OUT ON OR BEFORE completion of 12 months from the date of allotment of units. s.IL THEREAFTER

Invest
SIP

Kotak Credit Risk Fund


Debt-Credit-Risk

Returns 3Y

8.59%

Returns 5Y

9.48%

Min Order

₹5,000

Min SIP

₹1,000

Exit load : I) For redemption / switch out of upto 10% of the initial investment amount (limit) purchased or switched in within 1 year from the date of allotment: Nil. II) If units redeemed or switched out are in excess of the limit within 1 year from the date of allotment: 1%. iii) If units are redeemed or switched out on or after 1 year from the date of allotment: Nil. iv) Any exit load charged (net off Service Tax, if any) shall be credited back to the respective Scheme. Units issued on reinvestment of dividends shall not be subject to entry and exit load.

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SIP

Aditya Birla Sun Life Credit Risk Fund


Debt-Credit-Risk

Returns 2Y

7.04%

Returns 3Y

8.68%

Min Order

₹100

Min SIP

₹100

Exit load : For redemption/switch out of units within 365 days from the date of allotment: 2.00% of applicable NAV. For redemption/switch out of units after 365 days but before 730 days from the date of allotment: 1.00% of applicable NAV. For redemption/switch out of units after 730 days from the date of allotment: Nil.

Invest
SIP

UTI - Credit Risk Fund.


Debt-Credit-Risk

Returns 2Y

6.85%

Returns 3Y

8.25%

Min Order

₹5,000

Min SIP

₹500

Exit load : Entry Load- Nil. Exit Load -a) < or 365 days @ 1.25%. b) > 365 days and < or 548 days @ 0.75% c) greater than 548 days - Nil

Invest
SIP

DSP Credit Risk Fund


Debt-Credit-Risk

Returns 3Y

4.98%

Returns 5Y

7.16%

Min Order

₹500

Min SIP

₹500

Exit load : Holding Period: < 12 months: 1% >= 12 months: Nil

Invest
SIP

HDFC Credit Risk Debt Fund


Debt-Credit-Risk

Returns 3Y

8.22%

Returns 5Y

9.44%

Min Order

₹5,000

Min SIP

₹500

Exit load : In respect of each purchase / switch-in of units, 15% of the units (“the limit”) may be redeemed without any exit load from the date of allotment l Any redemption in excess of the above limit shall be subject to the following exit load: n In respect of each purchase / switch-in of units, an Exit load of 2.00% is payable if units are redeemed / switched-out within 12 months from the date of allotment n In respect of each purchase / switch-in of units, an Exit load of 1.00% is payable if units are redeemed / switched-out after 12 months but within 24 months from the date of allotment n In respect of each purchase / switch-in of units, an Exit load of 0.50% is payable if units are redeemed / switched-out after 24 months but within 36 months from the date of allotment. l no Exit load is payable if units are redeemed / switchedout after 36 months from the date of allotment

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SIP

L&T Credit Risk Fund


Debt-Credit-Risk

Returns 3Y

7.87%

Returns 5Y

8.84%

Min Order

₹10,000

Min SIP

₹1,000

Exit load : If the units redeemed or switched out are upto 10% of the units purchased or switched in (“the limit”) within 1 year from the date of allotment – Nil. If units redeemed or switched out are over and above the limit within 1 year from the date of allotment – 1%. If units are redeemed or switched out on or after 1 year from the date of allotment – Nil.

Invest
SIP

Axis Credit Risk Fund


Debt-Credit-Risk

Returns 2Y

7.76%

Returns 3Y

8.55%

Min Order

₹5,000

Min SIP

₹1,000

Exit load : For 30% of investment: Nil For remaining investment: 1.5% if redeemed/switched out within 1 year, 1% if redeemed/switched out after 1 year and upto 2 years, 0.5% if redeemed/switched out after 2 years and upto 3 years from the date of allotment (w.e.f. 14th December 2015)

Invest
SIP

Who should invest in Credit Risk Debt Funds

Investors are advised to choose large sized funds in this category. Investors should make sure the portfolio is not concentrated or has high holdings in any single business group. Debt mutual fund Investors with high risk appetite may invest in these schemes


How long should you stay invested in Credit Risk Debt Funds ?

Minimum investment horizon of three years.


How to invest in ?

You can click on the Credit Risk Debt Funds link in Jama.co.in and choose the desired fund. You can also take your free risk profile assessment which then advises you on the percentage asset allocation you should have inCredit Risk Debt Funds. Click on invest button from there and continue to make the investment.

Invest only in direct plans of small cap funds and take the advice of a SEBI Registered Investment advisor to invest in the right funds.




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