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Fincash » Mutual Funds » L T Credit Risk Fund

L&T Credit Risk Fund - G

NAV  ₹32.4702 ↑ 0.01  (0.03 %) as on 18 Jul 25

(Erstwhile L&T Income Opportunities Fund)

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 18 Jul 25₹32.4702 ↑ 0.01  (0.03 %)
Net Assets (AUM) as on 31 May 2025 ₹657 Cr.
Launch Date8 Oct 2009
CategoryDebt - Credit Risk
Rating
TypeOpen Ended Fund
RiskModerate
Yield To Maturity7.19%
Effective Maturity2 Years 10 Months 6 Days
Modified Duration2 Years 1 Month 17 Days
Alpha Ratio0.0
Expense Ratio1.65 %
Sharpe Ratio1.184
Information Ratio0.0
BenchmarkNot Available
ISININF917K01130
AMCL&T Investment Management Ltd
Min Investment ₹10,000
Min SIP Investment ₹1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

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 18 Jul 25

DurationReturns
1 Month 0.5%
3 Month 13%
6 Month 17.4%
1 Year 21.4%
3 Year 11.2%
5 Year 8.7%
10 Year
15 Year
Since launch 7.8%

Historical Annual Returns

Historical performance (Yearly) on absolute basis

YearReturns
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

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,911
30 Jun 22₹11,362
30 Jun 23₹12,075
30 Jun 24₹12,879
30 Jun 25₹15,639

Asset Allocation

Asset ClassValue
Cash16.62%
Debt83.13%
Other0.25%

Sector Allocation

SectorValue
Corporate65.72%
Cash Equivalent18.94%
Government15.1%
RatingValue
AA65.36%
AAA34.64%

Top Securities Holdings / Portfolio

Holdings/Securities

NameGlobal IndustryHoldingValueQuantity
Nuvoco Vistas Corporation Limited
Debentures | -
8%₹53 Cr500
Tata Housing Development Company Limited
Debentures | -
6%₹36 Cr3,500
7.32% Govt Stock 2030
Sovereign Bonds | -
5%₹32 Cr3,000,000
Ongc Petro Additions Limited
Debentures | -
4%₹27 Cr2,500
Aditya Birla Renewables Limited
Debentures | -
4%₹27 Cr2,500
Nirma Limited
Debentures | -
4%₹26 Cr2,500
Rec Limited
Debentures | -
4%₹26 Cr2,500
↑ 2,500
National Bank For Agriculture And Rural Development
Debentures | -
4%₹26 Cr2,500
Small Industries Development Bank Of India
Debentures | -
4%₹26 Cr2,500
JSW Steel Limited
Debentures | -
4%₹25 Cr250
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Fund Managers

NameSinceTenure
Shriram Ramanathan24 Nov 1212.61 Yr.

Custodians

CompanyAddress
Citibank N.A. IndiaTrent House, 3rd Floor, G Block,,Plot No.60, Next to Citibank,,Bandra Kurla Complex,,Bandra (East),

Registrar & Transfer Agent

Computer Age Management Services Ltd
AddressNew No.10, Old No.178,,Kodambakkam High Road,,Opp. Hotel Palmgrove,,Nungambakkam
FAX91-44-28283610
Emailenq_L@camsonline.com

Administrator Companies

CompanyAddress
HSBC Mutual Fund16, V N Road, Fort, Mumbai 400 001

Auditors

CompanyAddress
M/s. Price WaterhouseIndia,252, Veer Savarkar Marg,,Next to Mayor's Bungalow, Shivaji Park,,Dadar,

All Plan & Options

Fund and PlanNAV6 Month1 Year3 Year5 Year
SBI Credit Risk Fund
Growth
₹45.9595
↑ 0.01
5 %8.9 %8.17 %7.04 %
SBI Credit Risk Fund
Normal Dividend, Reinvestment
₹20.7776
↑ 0.01
5 %8.9 %8.17 %7.04 %
SBI Credit Risk Fund
Normal Dividend, Payout
₹20.7776
↑ 0.01
5 %8.9 %8.17 %7.04 %
Data as on 18 Jul 25

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