Aditya Birla Sun Life Credit Risk Fund - Segregate...
NAV as of Sep 30, 2022
0.120.00%
- IDCW - Regular
(Earn upto 1.15% Extra Returns with Direct Plan)
Fund Category:
Debt: Credit Risk
Expense Ratio:
1.82%(1.23% Category
average)Fund Size:
Rs. 66.42 Cr(0.30% of Investment in Category)
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Aditya Birla Sun Life Credit Risk Fund - Segregated Port...
NAV as of Sep 30, 2022
0.120.00%
Expense Ratio:
1.82%
Fund Size:
Rs. 66.42 Cr
Fund Category:
Debt: Credit Risk
1. Current NAV: The Current Net Asset Value of the Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan as of Sep 30, 2022 is Rs 0.12 for IDCW option of its Regular plan.
2. Returns: Its trailing returns over different time periods are:. Whereas, Category returns for the same time duration are: 8.24% (1yr), 9.25% (3yr) and 6.3% (5yr).
3. Fund Size: The Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan currently holds Assets under Management worth of Rs 66.42 crore as on Sep 30, 2022.
4. Expense ratio: The expense ratio of the fund is 1.82% for Regular plan as on Sep 30, 2022.
5. Exit Load: The given fund doesn't attract any Exit Load.
6. Minimum Investment: Minimum investment required is Rs 100 and minimum additional investment is Rs 100. Minimum SIP investment is Rs 0.
Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Regular - IDCW Returns
Trailing Returns
Rolling Returns
Discrete Period
SIP Returns
Trailing Return data not available for this fund
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Return Comparison
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Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Regular - IDCW Fund Details
Investment Objective - The scheme seeks 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.
Fund House | Aditya Birla Sun Life Mutual Fund |
Launch Date | Nov 25, 2019 |
Benchmark | NIFTY Credit Risk Bond Index |
Return Since Launch | - |
Riskometer | High |
Type | Open-ended |
Risk Grade | - |
Return Grade | - |
Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Regular - IDCW Investment Details
Minimum Investment (Rs.) | 100.00 |
Minimum Additional Investment (Rs.) | 100.00 |
Minimum SIP Investment (Rs.) | - |
Minimum Withdrawal (Rs.) | 1.00 |
Exit Load | 0% |
Portfolio Allocation
Portfolio Aggregates
Fund | 1Y High | 1Y Low | Category | |
---|---|---|---|---|
Modified Duration(Yrs) | - | 3.56 | 1.31 | - |
Average Maturity(Yrs) | - | 15.58 | 1.74 | 0.003 |
Yield to Maturity(%) | - | 9.0606 | 7.95 | - |
Avg Credit Rating | Low | - | - | - |
Style Box
Investment / Portfolio Grades
Security Type | Weight(%) | Category Avg(%) |
---|---|---|
Government Backed | - | 8.46 |
Low Risk | - | 58.46 |
Moderate Risk | - | 0.66 |
High Risk | - | 12.50 |
Very High Risk | - | - |
Others | 100.00 | 19.92 |
Type of Holdings
Security Type | Weight(%) | Category Avg(%) |
---|---|---|
GOI | - | - |
CD | - | - |
T-Bills | - | - |
CP | - | - |
NCD & Bonds | - | - |
PTC | - | - |
Cash & Others | 100.00 | 100.00 |
Debt Holding In Portfolio
Debt Holdings data not available for this fund
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Peer Comparison
Cumulative Returns
SIP returns
Discrete Returns
Quant Measures
Asset Allocation
Scheme Name NAV(Rs./Unit) Scheme Rating AUM(Rs. Cr) 1M 1Y 3Y 5Y Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Regular - IDCW 0.12 Unrated 66.42 - - - - DSP Credit Risk Fund-IDCW 11.91 191.99 0.64 15.66 10.10 8.10 Nippon India Credit Risk Fund-IDCW 17.80 1,029.74 0.67 7.80 6.37 5.00 Aditya Birla Sun Life Credit Risk Fund Regular-IDCW 11.59 915.42 0.86 8.41 7.25 6.78 HDFC Credit Risk Debt Fund Regular-IDCW 20.72 7,743.07 1.00 7.86 5.91 7.38
Risk Ratios
Ratios are calculated using the calendar month returns for the last 3 years
Risk Ratio data not available for this fund
Aditya Birla Sun Life Mutual Fund News
Fund Manager
- S.d.Sunaina da CunhaSince Nov 20194 schemes
- M.S.Mohit SharmaSince Aug 202018 schemes
Ms. Cunha is a B.Com (H) and MBA from FMS, Delhi. Prior to joining Aditya Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Aditya Birla Sun Life Medium Term Plan Regular-IDCW Medium Duration 15.40 1,868.91 8.04 Aditya Birla Sun Life Liquid Fund Regular-IDCW Liquid 154.54 51,273.51 7.34 Aditya Birla Sun Life Credit Risk Fund Regular-IDCW Credit Risk 11.59 915.42 8.40 Aditya Birla Sun Life Medium Term Plan - Segregated Portfolio 1 Regular-IDCW Medium Duration 0.32 Unrated 130.72 - Mr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta). Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).
More Aditya Birla Sun Life Mutual Fund
Scheme Name | Rating | Asset Size(Cr) | 1M | 3M | 6M | 1Y | 3Y |
---|---|---|---|---|---|---|---|
Aditya Birla Sun Life Liquid Fund Retail- Growth | 43,962.04 | 0.59 | 1.82 | 3.55 | 7.23 | 5.32 | |
Aditya Birla Sun Life Liquid Fund Regular-Growth | 43,962.04 | 0.59 | 1.82 | 3.55 | 7.23 | 5.32 | |
Aditya Birla Sun Life Frontline Equity Fund Regular-Growth | 26,479.89 | 2.81 | 7.46 | 12.58 | 33.08 | 15.77 | |
Aditya Birla Sun Life Corporate Bond Fund Regular-Growth | 21,535.48 | 0.87 | 2.50 | 3.94 | 8.13 | 5.94 | |
Aditya Birla Sun Life Flexi Cap Fund Regular-Growth | 19,767.00 | 1.62 | 7.81 | 12.72 | 36.06 | 15.67 | |
Aditya Birla Sun Life Money Manager Fund Ret-Growth | 19,231.21 | 0.74 | 1.92 | 3.67 | 7.71 | 5.67 | |
Aditya Birla Sun Life Money Manager Fund Regular-Growth | 19,231.21 | 0.74 | 1.92 | 3.67 | 7.71 | 5.67 | |
Aditya Birla Sun Life ELSS Tax Saver Regular-Growth | 15,006.22 | 1.53 | 6.92 | 10.88 | 30.95 | 8.29 | |
Aditya Birla Sun Life Savings Retail-Growth | 12,705.36 | 0.63 | 1.83 | 3.50 | 7.39 | 5.60 | |
Aditya Birla Sun Life Savings Regular-Growth | 12,705.36 | 0.63 | 1.83 | 3.50 | 7.39 | 5.60 |
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1. Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan is Open-ended Credit Risk Debt scheme which belongs to Aditya Birla Sun Life Mutual Fund House.
2. The fund was launched on Nov 25, 2019.
Investment objective & Benchmark
1. The investment objective of the fund is that " The scheme seeks 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. "
2. It is benchmarked against NIFTY Credit Risk Bond Index.
Asset Allocation & Portfolio Composition
1. The portfolio allocation of debt securities primarily have 2 kinds of risks: interest rate risk & credit risk. While the interest rate movements are driven by the fund's duration, credit quality of debt securities are based on the weighted average credit ratings of a fund. Generally, funds with high credit quality will have the weighted average credit rating of AA- and higher rated securities, funds with medium credit quality will hold securities having credit rating lying between A- to BBB- and funds with low credit quality will hold securities having average credit rating of less than BBB-. Credit rating is a qualitative tool that basically assesses the creditworthiness and financial soundness of a company and takes into consideration several factors including the default rate and solvency of the concerned business entity.
2. The portfolio of the fund has securities with varying levels of maturities. Duration takes into consideration the sensitivity of the average maturity of these securities with respect to the interest rate changes. The Average Maturity of Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan is 0.0 years and Duration is null years. Generally, securities with high maturity are more sensitive to interest rate changes. So, an investor with a low risk appetite may look to invest in a fund with low maturity and duration vis-a-vis category levels.
3. All these parameters - average maturity, duration, interest rate changes, credit quality, credit rating, liquidity etc. need to be looked at in conjunction with each other to determine the quality of portfolio of a fund.
Tax Implications on Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Regular - IDCW
Capital Gains Tax Implications:
If the investment is made after Apr 1, 2023:
1. The entire amount of gain will be added to the investor's income (irrespective of the period of investment) and will be taxed as per his/her applicable slab rate.
If the investment is made before Apr 1, 2023:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
Dividend Tax Implications:
1. For Dividend Distribution Tax, the dividend income from this fund will get added to an investor’s income and taxed according to his/her respective tax slabs.
2. Also, for dividend income more than Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
This Might Catch Your Interest
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- Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Direct - IDCW
- Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Direct - Growth
- Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Regular - Bonus
- Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Regular - IDCW
- Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Direct - Bonus
- Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Regular - Growth
FAQs about Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 Regular - IDCW
- Is it safe to invest in Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan?As per SEBI’s latest guidelines to calculate risk grades, investment in the Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan comes under High risk category.
- What is the category of Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan?Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan belongs to the Debt : Credit Risk category of funds.
- How Long should I Invest in Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan?The suggested investment horizon of investing into Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan is >3 years. The suggested investment horizon is the minimum time required for holding investments in the fund to reduce its downside risk and ensure that the returns become more predictable.
- Who manages the Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan?The Aditya Birla Sun Life Credit Risk Fund - Segregated Portfolio 1 - Regular Plan is managed by Sunaina da Cunha (Since Nov 25, 2019) and Mohit Sharma (Since Aug 06, 2020).
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