{"id":11596,"date":"2026-07-24T12:15:00","date_gmt":"2026-07-24T06:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=11596"},"modified":"2026-07-24T12:06:18","modified_gmt":"2026-07-24T06:36:18","slug":"top-5-credit-risk-mutual-funds-that-delivered-the-highest-3-year-returns-is-yours-on-the-list","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/top-5-credit-risk-mutual-funds-that-delivered-the-highest-3-year-returns-is-yours-on-the-list\/","title":{"rendered":"Top 5 Credit Risk Mutual Funds That Delivered the Highest 3-Year Returns &#8211; Is Yours on the List?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong><em><strong> <\/strong>Credit risk mutual funds invest in lower-rated corporate bonds to generate higher returns than traditional debt funds. This article lists the top five credit risk mutual funds ranked by their 3-year CAGR.&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Credit Risk Mutual Funds represent a type of debt mutual funds wherein the fund is required to hold a minimum of <strong>65% of its assets in corporate bonds<\/strong> with ratings <strong>AA<\/strong> or below (not <strong>including AA+ and above rated bonds)<\/strong>. These bonds pay higher interest rates which increase the possibility of gaining higher returns. At the same time, there is more chance of credit rating<strong> downgrade and default, <\/strong>making them suitable for investors with a <strong>higher risk appetite<\/strong><\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-4008555291\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-5-credit-risk-mutual-funds\" style=\"font-size:22px\"><strong>Top 5 Credit Risk Mutual Funds <\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-dsp-credit-risk-fund\" style=\"font-size:18px\"><strong>1. <a href=\"https:\/\/groww.in\/mutual-funds\/dsp-credit-risk-fund-direct-plan-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">DSP Credit Risk Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b960.35<\/li>\n\n\n\n<li>AUM: \u20b9275.31 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.46%<\/li>\n\n\n\n<li>Exit Load: 3% (within 12 months)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 16.8%<\/li>\n\n\n\n<li>3-Year Absolute Return: 59.7%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fund 3-Year CAGR: 16.8%<\/li>\n\n\n\n<li>Debt Credit risk Category Average: 8.7%<\/li>\n\n\n\n<li>Outperformance: +8.1 percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-aditya-birla-sun-life-credit-risk-fund\" style=\"font-size:18px\"><strong>2. <a href=\"https:\/\/groww.in\/mutual-funds\/birla-sun-life-corporate-bond-fund-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Aditya Birla Sun Life Credit Risk Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b927.85<\/li>\n\n\n\n<li>AUM: \u20b91,461.39 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.79%<\/li>\n\n\n\n<li>Exit Load: 1% (within 1 year)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 13.1%<\/li>\n\n\n\n<li>3-Year Absolute Return: 44.8%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fund 3-Year CAGR: 13.1%<\/li>\n\n\n\n<li>Debt Credit risk Category Average: 8.7%<\/li>\n\n\n\n<li>Outperformance: +4.4 percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-hsbc-credit-risk-fund-nbsp\" style=\"font-size:18px\"><strong>3. <a href=\"https:\/\/groww.in\/mutual-funds\/hsbc-credit-risk-fund-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HSBC Credit Risk Fund&nbsp;<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b937.42<\/li>\n\n\n\n<li>AUM: \u20b9470.01 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.97%<\/li>\n\n\n\n<li>Exit Load: 1% (within 1 year)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 11.8%<\/li>\n\n\n\n<li>3-Year Absolute Return: 39.8%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fund 3-Year CAGR: 11.8%<\/li>\n\n\n\n<li>Debt Credit risk Category Average: 8.7%<\/li>\n\n\n\n<li>Outperformance: +3.1 percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/top-5-thematic-quant-mutual-funds-based-on-3-year-returns-do-you-own-any\/\" target=\"_blank\" rel=\"noreferrer noopener\">Top 5 Thematic-Quant Mutual Funds Based on 3-Year Returns &#8211; Do You Own Any?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-bank-of-india-credit-risk-fund\" style=\"font-size:18px\"><strong>4. <a href=\"https:\/\/groww.in\/mutual-funds\/boi-axa-corporate-credit-spectrum-fund-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Bank of India Credit Risk Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b914.73<\/li>\n\n\n\n<li>AUM: \u20b986.74 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.63%<\/li>\n\n\n\n<li>Exit Load: 1% (within 1 year)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 10.0%<\/li>\n\n\n\n<li>3-Year Absolute Return: 33.2%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fund 3-Year CAGR: 10.0%<\/li>\n\n\n\n<li>Debt Credit risk Category Average: 8.7%<\/li>\n\n\n\n<li>Outperformance: +1.3 percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-invesco-india-credit-risk-fund\" style=\"font-size:18px\"><strong>5. <a href=\"https:\/\/groww.in\/mutual-funds\/invesco-india-corporate-bond-opportunities-fund-direct-growth\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Invesco India Credit Risk Fund<\/a><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NAV: \u20b92,333.87<\/li>\n\n\n\n<li>AUM: \u20b9163.40 Cr<\/li>\n\n\n\n<li>Expense Ratio: 0.28%<\/li>\n\n\n\n<li>Exit Load: 1% (within 3 months)<\/li>\n\n\n\n<li><strong>Performance Snapshot<\/strong>\n<ul class=\"wp-block-list\">\n<li>3-Year CAGR: 9.6%<\/li>\n\n\n\n<li>3-Year Absolute Return: 32.0%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Category Comparison (3-Year)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Fund 3-Year CAGR: 9.6%<\/li>\n\n\n\n<li>Debt Credit risk Category Average: 8.7%<\/li>\n\n\n\n<li>Outperformance: +0.9 percentage points<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> NAV, AUM, expense ratio and exit load data are sourced from Groww. Data is as of 23rd July 2026.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-things-to-consider-before-investing-nbsp\" style=\"font-size:22px\"><strong>Things to Consider Before Investing&nbsp;<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check the credit quality of the fund&#8217;s portfolio.<\/li>\n\n\n\n<li>Invest only if you have a 3-year or longer investment horizon.<\/li>\n\n\n\n<li>Don&#8217;t choose a fund based only on past returns.<\/li>\n\n\n\n<li>Ensure the fund matches your risk appetite.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\" style=\"font-size:22px\"><strong>Key Takeaways<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>DSP Credit Risk Fund<\/strong> topped the list with a <strong>16.8% 3-year CAGR<\/strong>, well above the <strong>8.7% category average<\/strong>.<\/li>\n\n\n\n<li><strong>All five funds<\/strong> outperformed the credit risk fund category average over the last three years.<\/li>\n\n\n\n<li><strong>Aditya Birla Sun Life Credit Risk Fund<\/strong> has the largest AUM (<strong>\u20b91,461.39 crore<\/strong>) among the top five.<\/li>\n\n\n\n<li>Credit risk funds offer <strong>higher return potential<\/strong> but also carry <strong>higher credit and default risks<\/strong>.<\/li>\n\n\n\n<li><strong>Past performance doesn&#8217;t guarantee future returns<\/strong>. Always assess the fund&#8217;s risk before investing.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-invest-nbsp\" style=\"font-size:22px\"><strong>Who Should Invest?&nbsp;<\/strong><\/h2>\n\n\n\n<p>Credit risk mutual funds are well-suited for investors having a medium to high-risk profile, and who are ready to assume greater credit risk in order to gain better returns on their investments. It is ideally suited for investors having an investment period of <strong>3 years or more<\/strong>, and not for those looking for stable debt investments.<\/p>\n\n\n\n<p><strong><em>Disclaimer: <\/em><\/strong><em>The information provided in this article is for educational purposes only and should not be construed as financial advice or investment recommendation. Returns mentioned are based on historical performance and may not be sustained in the future. Mutual fund investments are subject to market risks, including potential loss of capital. Investors are advised to assess their risk appetite and financial goals and to consult a certified financial advisor before investing.<\/em><\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2947351320\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4023722985638610\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Trade Brains  - Money InCon -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-4023722985638610\"\r\n     data-ad-slot=\"2055721573\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: Credit risk mutual funds invest in lower-rated corporate bonds to generate higher returns than traditional debt funds. This article lists the top five credit risk mutual funds ranked by their 3-year CAGR.&nbsp; Credit Risk Mutual Funds represent a type of debt mutual funds wherein the fund is required to hold a minimum of 65% [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":11597,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[7,14],"tags":[4047,4046],"ppma_author":[3332],"class_list":["post-11596","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","category-trending","tag-3-year-credit-risk-mutual-fund-returns","tag-credit-risk-mutual-fund"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 5 Credit Risk Mutual Funds That Delivered the Highest 3-Year Returns - Is Yours on the List?<\/title>\n<meta name=\"description\" content=\"Credit risk mutual funds invest in lower-rated corporate bonds to generate higher returns than traditional debt funds. 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