<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Wed Sep 02 20:18:12 UTC 2026 -->
<xs:schema elementFormDefault="qualified" xmlns:fnd="http://xbrl.sec.gov/fnd/2026" xmlns:ck0002021225="http://www.sardiscreditopportunitiesfund/20260630" targetNamespace="http://www.sardiscreditopportunitiesfund/20260630" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-types="http://fasb.org/us-types/2026" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:dtr="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <xs:annotation>
    <xs:appinfo>
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      <link:linkbaseRef xlink:type="simple" xlink:href="ck0002021225-20260630_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0002021225-20260630_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/>
    </xs:appinfo>
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  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/cef/2026" schemaLocation="https://xbrl.sec.gov/cef/2026/cef-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/cef-pre/2026" schemaLocation="https://xbrl.sec.gov/cef/2026/cef-2026_pre.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:element name="AssetBackedSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0002021225_AssetBackedSecuritiesRiskMember"/>
  <xs:element name="MortgageBackedSecuritiesRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0002021225_MortgageBackedSecuritiesRiskMember"/>
  <xs:element name="InvestmentRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0002021225_InvestmentRiskMember"/>
  <xs:element name="ClosedEndStructureRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0002021225_ClosedEndStructureRiskMember"/>
  <xs:element name="LiquidityRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0002021225_LiquidityRiskMember"/>
  <xs:element name="GeneralMarketConditionsRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0002021225_GeneralMarketConditionsRiskMember"/>
  <xs:element name="InterestRateRisksMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0002021225_InterestRateRisksMember"/>
  <xs:element name="MarketRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0002021225_MarketRiskMember"/>
<!-- [WMV7][9gC4y4/vc6gpL1H+gkSEN5Xni7oJjQql1/tdSw0HK4Rd/mPPELQ4le8wm09me5IYab+UqpJ9zI/2fF3SwNT4NuO6Rv2mWbxfS3/3z5FG14NYKEfXFCo6XnHsHpyQu9D7RED+rvc8rDcZV0NlE+uJZ6f0EIZZtrCy7UQkza48d5D8q2Z1SaBDZ/Cz13+Bk4NKIdUVIV/uQPZpurYsVo9SJ+3Sk3GktTtjMSMsy8yzDUuenj8/0z81sapIi4HV2bkeX7J6QvJQ/kRmHFUKTQ+gsb8hXRBeBh3b/AtqoG/oo6CRsDFAtL1w94/uQi+uBI6Ev17UPt2UbXl9g9QvfDle8Jqv8Coad+WiwPwVhGljuMImJd4Vax5fvy0hUGgYBADVWflUDu5s8w==] CSR-->
  <xs:element name="NonDiversificationRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0002021225_NonDiversificationRiskMember"/>
</xs:schema>
