L&T Credit Risk Fund - G

NAV ₹32.1709 ↑ 0.02 (0.05 %) as on 19 May 25

(Erstwhile L&T Income Opportunities Fund)

Table of Contents

Fund Manager Information
Custodians
Registrar & Transfer Agent (RTA)
Administrator Companies
Auditors

Scheme Objective

The Scheme seeks to generate regular returns and capital appreciation by investing in debt (including securitised debt), government and money market securities.

L&T Credit Risk Fund is a Debt - Credit Risk fund launched on 8 Oct 09. It is a fund with Moderate risk and has given a CAGR return of 7.8% since its launch. Ranked 12 in Credit Risk category. Return for 2024 was 7.2% , 2023 was 6.5% and 2022 was 3.2% .

Below is the key information for L&T Credit Risk Fund

NAV as on 19 May 25	₹32.1709 ↑ 0.02 (0.05 %)
Net Assets (AUM) as on 30 Apr 2025	₹670 Cr.
Launch Date	8 Oct 2009
Category	Debt - Credit Risk
Rating	☆☆☆
Type	Open Ended Fund
Risk	Moderate
Yield To Maturity	7.44%
Effective Maturity	3 Years 5 Months 12 Days
Modified Duration	2 Years 6 Months 7 Days

Alpha Ratio	0.0
Expense Ratio	1.65 %
Sharpe Ratio	1.165
Information Ratio	0.0
Benchmark	Not Available
ISIN	INF917K01130
AMC	L&T Investment Management Ltd
Min Investment	₹10,000
Min SIP Investment	₹1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

NAV Price Chart

Returns

Annual Compounded Returns

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25

Duration	Returns
1 Month	12%
3 Month	15.5%
6 Month	17.5%
1 Year	21.8%
3 Year	11.2%
5 Year	9.4%
10 Year
15 Year
Since launch	7.8%

Historical Annual Returns

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.5%
2022	3.2%
2021	5.7%
2020	5%
2019	2.3%
2018	5.6%
2017	7.2%
2016	10.1%

Growth of 10k Over Years

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,850
30 Apr 22	₹11,405
30 Apr 23	₹11,966
30 Apr 24	₹12,717
30 Apr 25	₹15,470

Asset Allocation

Asset Class	Value
Cash	6.01%
Debt	93.72%
Other	0.27%

Sector Allocation

Sector	Value
Corporate	66.25%
Government	24.79%
Cash Equivalent	8.7%

Rating	Value
AA	66.88%
AAA	33.12%

Top Securities Holdings / Portfolio

Holdings/Securities

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹48 Cr	4,500,000
Nuvoco Vistas Corporation Limited Debentures \| -	6%	₹37 Cr	350
Tata Housing Development Co Ltd. Debentures \| -	6%	₹36 Cr	3,500
7.32% Govt Stock 2030 Sovereign Bonds \| -	5%	₹32 Cr	3,000,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹27 Cr	2,500
Ongc Petro Additions Limited Debentures \| -	4%	₹27 Cr	2,500
Aditya Birla Renewables Limited Debentures \| -	4%	₹26 Cr	2,500
Nirma Limited Debentures \| -	4%	₹26 Cr	2,500
JSW Steel Limited Debentures \| -	4%	₹25 Cr	250
Tata Projects Limited Debentures \| -	4%	₹21 Cr	2,000

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Fund Managers

Name	Since	Tenure
Shriram Ramanathan	24 Nov 12	12.44 Yr.

Custodians

Company	Address
Citibank N.A. India	Trent House, 3rd Floor, G Block,,Plot No.60, Next to Citibank,,Bandra Kurla Complex,,Bandra (East),

Registrar & Transfer Agent

Computer Age Management Services Ltd
Address	New No.10, Old No.178,,Kodambakkam High Road,,Opp. Hotel Palmgrove,,Nungambakkam
FAX	91-44-28283610
Email	enq_L@camsonline.com

Administrator Companies

Company	Address
HSBC Mutual Fund	16, V N Road, Fort, Mumbai 400 001

Auditors

Company	Address
M/s. Price Waterhouse	India,252, Veer Savarkar Marg,,Next to Mayor's Bungalow, Shivaji Park,,Dadar,

All Plan & Options

Fund and Plan	NAV	6 Month	1 Year	3 Year	5 Year
SBI Credit Risk Fund Growth	₹45.3435 ↑ 0.02	4.78 %	9.23 %	7.99 %	7.41 %
SBI Credit Risk Fund Normal Dividend, Reinvestment	₹20.4991 ↑ 0.01	4.78 %	9.23 %	7.99 %	7.41 %
SBI Credit Risk Fund Normal Dividend, Payout	₹20.4991 ↑ 0.01	4.78 %	9.23 %	7.99 %	7.41 %
Data as on 19 May 25

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data.

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