ICICI Prudential Credit Risk Fund
Credit RiskHighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹34.85-0.06%1 day
- Return since launch
- 8.2%
- 52-week range
- ₹32.49 — ₹34.92
- AUM
- ₹6,333 Cr
ICICI Prudential Credit Risk Fund is a Credit Risk debt fund from ICICI Prudential Mutual Fund with ₹6,333 Cr under management, launched in 2010. Over three years it has returned 8.1% a year, against 9.0% for its category. The expense ratio is 1.43% and the SEBI riskometer reading is High.
Performance
ICICI Prudential Credit Risk Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +7.3% against +5.9% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 7.2% | −0.7 pts | 7.9% | 6.0% |
| 2Y | 7.8% | −0.7 pts | 8.5% | 6.4% |
| 3Y | 8.1% | −0.9 pts | 9.0% | 6.8% |
| 5Y | 7.9% | −1.2 pts | 9.1% | 6.8% |
| 7Y | 7.7% | −1.1 pts | 8.7% | 6.6% |
| 10Y | 7.7% | +1.5 pts | 6.2% | 6.6% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.1% | 0.0 pts | 0.1% | 0.1% |
| 3M | 1.5% | +0.3 pts | 1.2% | 1.0% |
| 6M | 4.2% | −0.5 pts | 4.6% | 3.4% |
| 1Y | 7.3% | −0.6 pts | 7.9% | 5.9% |
| 2Y | 8.0% | −1.1 pts | 9.1% | 6.8% |
| 3Y | 8.3% | −0.7 pts | 9.0% | 7.1% |
| 5Y | 7.3% | −1.8 pts | 9.1% | 6.3% |
| 7Y | 7.8% | +0.6 pts | 7.2% | 6.5% |
| 10Y | 7.6% | +1.5 pts | 6.2% | 6.7% |
Since launch (15 Nov 2010): 8.2%
Calendar-year returns
Category average9.8%
6.2%
5.1%
7.2%
8.4%
9.5%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 9.5% | −1.8 pts | 11.3% |
| 2024 | 8.4% | −0.4 pts | 8.7% |
| 2023 | 7.2% | −1.5 pts | 8.7% |
| 2022 | 5.1% | −10.7 pts | 15.7% |
| 2021 | 6.2% | −1.9 pts | 8.2% |
| 2020 | 9.8% | +8.8 pts | 1.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.43%
Expense ratio as on 24 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.22%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.21%
- Exit load
- Exit load of 1% if units in excess of 10% are redeemed or switched-out within 1 year
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Credit Risk Debt B-II Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
High
Your principal is treated as being at high risk — typically diversified and large cap equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 2.09 | 1.47 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 3.61 | 7.21 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 1.17 | 3.91 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
ICICI Prudential Credit Risk Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt88.0%
- Other12.0%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 4.08% | ₹258 Cr | +1.54% | +1.54% | +1.49% |
| JTPM Metal Traders Ltd. | Metals & Mining | 3.92% | ₹248 Cr | +3.15% | +3.17% | — |
| Embassy Office Parks REIT | Construction | 3.32% | ₹210 Cr | +3.98% | +4.09% | +3.90% |
| Vedanta Ltd. | Metals & Mining | 3.17% | ₹201 Cr | +3.33% | +3.38% | +3.35% |
| Truhome Finance Ltd. | Financial | 3.11% | ₹197 Cr | — | — | — |
| Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A | Services | 2.93% | ₹186 Cr | +3.08% | +3.14% | +3.14% |
| Adani Power Ltd. | Energy | 2.75% | ₹174 Cr | +2.06% | +1.09% | — |
| Keystone Realtors Ltd | Construction | 2.70% | ₹171 Cr | +3.29% | +3.94% | — |
| Nirma Ltd. | Consumer Staples | 2.37% | ₹150 Cr | +2.50% | +2.54% | +2.53% |
| Aavas Financiers Ltd. | Financial | 2.36% | ₹149 Cr | — | — | — |
| Hiranandani Financial Services Pvt. Ltd. | Financial | 2.35% | ₹149 Cr | +2.46% | — | — |
| Indus Infra Trust | Construction | 2.12% | ₹134 Cr | +1.04% | +1.05% | +0.94% |
| SIS Ltd. | Services | 1.97% | ₹125 Cr | +2.07% | +2.10% | +2.10% |
| company:17814 | Financial | 1.97% | ₹125 Cr | — | — | — |
| 360 ONE Wealth Ltd. | Financial | 1.97% | ₹125 Cr | +3.30% | +1.68% | — |
| JM Financial Home Loans Ltd. | Financial | 1.58% | ₹100 Cr | +1.66% | +1.69% | +1.69% |
| Nuvama Wealth and Investment Limited | Financial | 1.58% | ₹100 Cr | +1.67% | +1.69% | +1.66% |
| Kalpataru Projects International Ltd. | Capital Goods | 1.58% | ₹99.74 Cr | +1.65% | +1.69% | +1.69% |
| Small Industries Devp. Bank of India Ltd. | Financial | 1.55% | ₹98.31 Cr | +2.43% | — | +1.60% |
| TVS Credit Services Ltd. | Financial | 1.52% | ₹96.20 Cr | +1.60% | +1.65% | +1.64% |
| Kogta Financial India Ltd. | Financial | 1.50% | ₹94.84 Cr | +1.57% | +1.59% | +1.59% |
| Capital Infra Trust | Construction | 1.43% | ₹90.62 Cr | +1.40% | +1.40% | +0.20% |
| National Bank For Agriculture & Rural Development | Financial | 1.42% | ₹89.84 Cr | +2.15% | — | — |
| Prism Johnson Ltd. | Materials | 1.10% | ₹69.82 Cr | +1.16% | +1.18% | +1.18% |
| Ashiana Housing Ltd. | Construction | 1.01% | ₹63.82 Cr | +1.06% | +1.43% | +1.43% |
| Mindspace Business Parks REIT | Construction | 0.82% | ₹51.71 Cr | +1.27% | +1.36% | +1.42% |
| Piramal Finance Ltd. | Financial | 0.79% | ₹50.22 Cr | +0.83% | +0.85% | +0.84% |
| Indostar Capital Finance Ltd. | Financial | 0.79% | ₹50.17 Cr | +0.84% | +0.85% | +0.84% |
| Lodha Developers Ltd. | Construction | 0.79% | ₹50.16 Cr | +0.83% | +0.84% | +0.54% |
| Creamline Dairy Products Ltd. | Consumer Staples | 0.79% | ₹50.06 Cr | +0.83% | +0.84% | +0.84% |
| Narayana Hrudayalaya Ltd. | Healthcare | 0.79% | ₹49.97 Cr | +0.83% | +0.84% | +0.84% |
| Power Finance Corporation Ltd. | Financial | 0.79% | ₹49.87 Cr | +0.41% | — | — |
| Oberoi Realty Ltd. | Construction | 0.79% | ₹49.85 Cr | +0.83% | +0.85% | +0.85% |
| Hampi Expressways Pvt Ltd. | Others | 0.78% | ₹49.23 Cr | +0.82% | +0.83% | +0.83% |
| Tamilnadu State | Others | 0.77% | ₹48.96 Cr | +0.81% | +0.83% | — |
| Aptus Value Housing Finance India Ltd. | Financial | 0.76% | ₹48.15 Cr | +0.80% | +0.81% | +1.00% |
| Cube Highways Trust | Services | 0.73% | ₹46.49 Cr | — | — | — |
| Mahanagar Telephone Nigam Ltd. | Communication | 0.63% | ₹39.60 Cr | +0.66% | +0.68% | +0.66% |
| Raajmarg Infra Investment Trust | Construction | 0.57% | ₹36.41 Cr | +0.50% | — | — |
| Bahadur Chand Investments Pvt. Ltd. | Financial | 0.55% | ₹34.99 Cr | +0.58% | +0.59% | +0.59% |
| Brookfield India Real Estate Trust REIT | Construction | 0.52% | ₹33.08 Cr | +0.67% | +0.85% | +1.22% |
| Aadharshila Infratech Pvt. Ltd. | Construction | 0.47% | ₹29.57 Cr | +0.99% | +1.09% | +1.24% |
| Tyger Capital Pvt. Ltd. | Financial | 0.43% | ₹27.43 Cr | +0.45% | +0.46% | +0.46% |
| Gujarat State | Construction | 0.40% | ₹25.25 Cr | — | — | — |
| Adani Enterprises Ltd. | Services | 0.40% | ₹25.22 Cr | +0.42% | +3.35% | — |
| Bajaj Housing Finance Ltd. | Financial | 0.40% | ₹25.15 Cr | +0.84% | — | — |
| Tata Projects Ltd. | Construction | 0.39% | ₹25.00 Cr | +0.41% | +0.42% | +0.42% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 0.39% | ₹24.74 Cr | +0.41% | +0.10% | +0.10% |
| company:13087 | Others | 0.39% | ₹24.57 Cr | — | — | — |
| Bank Of Baroda | Financial | 0.38% | ₹24.30 Cr | +0.79% | — | — |
| company:5434 | Financial | 0.38% | ₹24.29 Cr | — | — | — |
| GOI | Sovereign | 0.35% | ₹22.12 Cr | +0.77% | +0.80% | +0.80% |
| Telangana State | Financial | 0.32% | ₹20.05 Cr | +0.33% | +0.34% | — |
| Sheela Foam Ltd. | Consumer Discretionary | 0.32% | ₹20.01 Cr | +0.33% | +0.34% | +0.34% |
| Rajasthan State | Others | 0.30% | ₹19.31 Cr | +0.32% | +0.33% | — |
| Andhra Pradesh State | Financial | 0.29% | ₹18.42 Cr | +0.30% | +0.32% | — |
| Aadhar Housing Finance Ltd | Financial | 0.24% | ₹15.06 Cr | +0.25% | +0.26% | +2.95% |
| Karnataka State | Others | 0.15% | ₹9.78 Cr | +0.16% | +0.19% | +0.17% |
| Maharashtra State | Others | 0.05% | ₹3.20 Cr | +0.05% | +0.04% | +0.33% |
| West Bengal State | Others | 0.04% | ₹2.79 Cr | +0.05% | +0.05% | +0.05% |
| Uttar Pradesh State | Others | 0.02% | ₹1.05 Cr | +0.02% | +0.02% | — |
| Indian Railway Finance Corporation Ltd. | Financial | 0.01% | ₹0.90 Cr | +0.01% | +0.02% | +0.02% |
| Nexus Select Trust | Construction | 0.00% | ₹0.16 Cr | 0.00% | 0.00% | 0.00% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:17814 | 0.00% | 1.97% | +1.97% |
| Aadhar Housing Finance Ltd | 1.74% | 0.24% | -1.50% |
| National Bank For Agriculture & Rural Development | 1.03% | 0.39% | -0.64% |
| Keystone Realtors Ltd | 3.15% | 2.70% | -0.45% |
| Bajaj Housing Finance Ltd. | 0.81% | 0.40% | -0.41% |
| company:13087 | 0.00% | 0.39% | +0.39% |
| company:5434 | 0.00% | 0.38% | +0.38% |
| Mindspace Business Parks REIT | 1.00% | 0.82% | -0.18% |
| Raajmarg Infra Investment Trust | 0.50% | 0.57% | +0.08% |
| Brookfield India Real Estate Trust REIT | 0.59% | 0.52% | -0.07% |
| Capital Infra Trust | 1.39% | 1.43% | +0.04% |
| Truhome Finance Ltd. | 3.13% | 3.11% | -0.02% |
| Indus Infra Trust | 2.10% | 2.12% | +0.02% |
| Aavas Financiers Ltd. | 2.38% | 2.36% | -0.02% |
| Tamilnadu State | 0.79% | 0.77% | -0.01% |
| TVS Credit Services Ltd. | 1.53% | 1.52% | -0.01% |
| Adani Power Ltd. | 2.76% | 2.75% | -0.01% |
| Hiranandani Financial Services Pvt. Ltd. | 2.35% | 2.35% | -0.01% |
| Vedanta Ltd. | 3.18% | 3.17% | -0.01% |
| Small Industries Devp. Bank of India Ltd. | 1.17% | 1.16% | -0.01% |
| 360 ONE Wealth Ltd. | 1.58% | 1.57% | -0.01% |
| Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A | 2.94% | 2.93% | -0.01% |
| Oberoi Realty Ltd. | 0.79% | 0.79% | -0.01% |
| Power Finance Corporation Ltd. | 0.79% | 0.79% | -0.01% |
| Nirma Ltd. | 2.38% | 2.37% | -0.01% |
| Andhra Pradesh State | 0.30% | 0.29% | -0.01% |
| Nuvama Wealth and Investment Limited | 1.59% | 1.58% | 0.00% |
| Rajasthan State | 0.31% | 0.30% | 0.00% |
| Kalpataru Projects International Ltd. | 1.58% | 1.58% | 0.00% |
| JTPM Metal Traders Ltd. | 3.91% | 3.92% | 0.00% |
| Telangana State | 0.32% | 0.32% | 0.00% |
| Gujarat State | 0.40% | 0.40% | 0.00% |
| GOI | 0.35% | 0.35% | 0.00% |
| Kogta Financial India Ltd. | 1.50% | 1.50% | 0.00% |
| Embassy Office Parks REIT | 3.32% | 3.32% | 0.00% |
| SIS Ltd. | 1.98% | 1.97% | 0.00% |
| Prism Johnson Ltd. | 1.11% | 1.10% | 0.00% |
| Indostar Capital Finance Ltd. | 0.80% | 0.79% | 0.00% |
| Godrej Seeds & Genetics Ltd. | 0.39% | 0.39% | 0.00% |
| Aadharshila Infratech Pvt. Ltd. | 0.47% | 0.47% | 0.00% |
| Mahanagar Telephone Nigam Ltd. | 0.63% | 0.63% | 0.00% |
| Ashiana Housing Ltd. | 1.01% | 1.01% | 0.00% |
| JM Financial Home Loans Ltd. | 1.58% | 1.58% | 0.00% |
| Piramal Finance Ltd. | 0.80% | 0.79% | 0.00% |
| Bank Of Baroda | 0.38% | 0.38% | 0.00% |
| Aptus Value Housing Finance India Ltd. | 0.76% | 0.76% | 0.00% |
| Lodha Developers Ltd. | 0.79% | 0.79% | 0.00% |
| Karnataka State | 0.16% | 0.15% | 0.00% |
| Narayana Hrudayalaya Ltd. | 0.79% | 0.79% | 0.00% |
| Creamline Dairy Products Ltd. | 0.79% | 0.79% | 0.00% |
| Bahadur Chand Investments Pvt. Ltd. | 0.55% | 0.55% | 0.00% |
| Cube Highways Trust | 0.74% | 0.73% | 0.00% |
| Hampi Expressways Pvt Ltd. | 0.78% | 0.78% | 0.00% |
| Tyger Capital Pvt. Ltd. | 0.43% | 0.43% | 0.00% |
| Maharashtra State | 0.05% | 0.05% | 0.00% |
| Tata Projects Ltd. | 0.40% | 0.39% | 0.00% |
| Others | 0.37% | 0.37% | 0.00% |
| West Bengal State | 0.04% | 0.04% | 0.00% |
| Adani Enterprises Ltd. | 0.40% | 0.40% | 0.00% |
| Sheela Foam Ltd. | 0.32% | 0.32% | 0.00% |
| Uttar Pradesh State | 0.02% | 0.02% | 0.00% |
| Indian Railway Finance Corporation Ltd. | 0.01% | 0.01% | 0.00% |
| Nexus Select Trust | 0.00% | 0.00% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹1,041 Cr | 1.43% | 11.5% | 11.4% | 12.1% |
 SBI Credit Risk Fund | ₹2,186 Cr | 1.54% | 7.8% | 7.8% | 7.7% |
 Aditya Birla Sun Life Credit Risk Fund | ₹1,600 Cr | 1.60% | 10.1% | 12.4% | 11.3% |
 DSP Credit Risk Fund | ₹310 Cr | 1.20% | 11.3% | 13.8% | 13.7% |
 Bank of India Credit Risk Fund | ₹68.71 Cr | 1.36% | 16.7% | 11.8% | 15.9% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate income through investing predominantly in AA and below rated corporate bonds while maintaining the optimum balance of yield, safety and liquidity.
Fund managers
- Akhil KakkarMr. Kakkar is B.Tech (IIT Roorkee) and PGDM (Finance)Prior to Joining ICICI Prudential Mutual Fund he has worked with Kotak Mahindra Bank in Debt Capital Markets, SBI Capital Markets in Project Advisory & Structured Finance and Goldman Sachs Services Pvt Ltd as Analyst Developer.
- Manish BanthiaMr. Banthia is B.Com, CA and MBAHe is associated with ICICI Prudential Asset Management Company since Oct 2005, ICICI Prudential AMC - Fixed Income Investments - Aug 2007 to Oct 2009, ICICI Prudential AMC - New Product Development - Oct 2005 to Jul 2007, Aditya Birla Nuvo Ltd. - From May 2005 to Oct 2005, Aditya Birla Management Corporation Ltd. - From May 2004 to May 2005.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months4.16% absolute | ₹60,000 | ₹62,496 | 4.16% | |
| 1 year7.27% annualised | ₹1,20,000 | ₹1,24,832 | 4.03% | |
| 3 years8.34% annualised | ₹3,60,000 | ₹4,10,272 | 13.96% | |
| 5 years7.31% annualised | ₹6,00,000 | ₹7,26,099 | 21.02% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of ICICI Prudential Credit Risk Fund?
The NAV of ICICI Prudential Credit Risk Fund is ₹34.85 as on 25 Sep 2026.
What is the expense ratio of ICICI Prudential Credit Risk Fund?
The expense ratio of ICICI Prudential Credit Risk Fund is 1.43% per year.
What is the minimum SIP amount for ICICI Prudential Credit Risk Fund?
You can start a SIP in ICICI Prudential Credit Risk Fund with ₹3,000 a month.
What returns has ICICI Prudential Credit Risk Fund given?
ICICI Prudential Credit Risk Fund has returned 7.2% over 1 year, 8.1% over 3 years and 7.9% over 5 years (annualised).
Is there a lock-in or exit load on ICICI Prudential Credit Risk Fund?
Lock-in: None. Exit load: Exit load of 1% if units in excess of 10% are redeemed or switched-out within 1 year.
How risky is ICICI Prudential Credit Risk Fund?
ICICI Prudential Credit Risk Fund is rated High on the SEBI riskometer and belongs to the Credit Risk category.
Which fund house manages ICICI Prudential Credit Risk Fund?
ICICI Prudential Credit Risk Fund is managed by ICICI Prudential Mutual Fund, which runs 109 schemes with ₹11,76,218 Cr under management.