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Kotak Credit Risk Fund

Credit RiskModerately HighOPEN-ENDED
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NAV as on 25 Sep 2026
₹31.93-0.07%1 day
Return since launch
7.3%
52-week range
₹30.09 — ₹32.00
AUM
₹773 Cr

Kotak Credit Risk Fund is a Credit Risk debt fund from Kotak Mahindra Mutual Fund with ₹773 Cr under management, launched in 2010. Over three years it has returned 7.2% a year, against 9.0% for its category. The expense ratio is 1.73% and the SEBI riskometer reading is Moderately High.

Performance

Kotak Credit Risk Fund NAV and returns

Growth of the fund against its category average over the period you pick.

Over 1Y this fund returned +6.1% against +5.9% for its category.

Performance

Returns

How the fund has done against its category and its benchmark.

Trailing returns
PeriodFundvs categoryCategoryBenchmark
1Y6.2%−1.7 pts7.9%6.0%
2Y6.9%−1.6 pts8.5%6.4%
3Y7.2%−1.8 pts9.0%6.8%
5Y6.8%−2.3 pts9.1%6.8%
7Y6.3%−2.4 pts8.7%6.6%
10Y6.3%+0.1 pts6.2%6.6%

Fund against category

1Y
Fund6.2%
Category7.9%
3Y
Fund7.2%
Category9.0%
5Y
Fund6.8%
Category9.1%

Since launch (12 Apr 2010): 7.3%

Calendar-year returns

Category average
Show as a table
Calendar-year returns
PeriodFundvs categoryCategory
20259.1%−2.2 pts11.3%
20247.1%−1.7 pts8.7%
20236.4%−2.3 pts8.7%
20220.9%−14.8 pts15.7%
20215.3%−2.9 pts8.2%
20206.6%+5.7 pts1.0%

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

1.73%

Expense ratio as on 22 Sep 2026

Charged yearly and already deducted from the NAV.

Base expense
1.47%
Brokerage
0.00%
Transaction charges
0.00%
Statutory levies
0.26%
Exit load
Exit load for units in excess of 6% of the investment,1% will be charged for redemption within 365 days
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.

Moderately High

Your principal is treated as being at moderately high risk — typically balanced hybrid and index-led equity schemes.

Risk ratios
RatioFundCategory avgRead 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.
Sharpe1.081.60Return earned for each unit of total risk taken. Higher is better.
Sortino1.536.49Return earned for each unit of downside risk. Higher is better.
Std. deviation1.553.36How widely monthly returns have varied around their own average. Lower is steadier.
Average of 5 category peers

Portfolio

Kotak Credit Risk Fund portfolio

Portfolio as of 31 Aug 2026

Asset allocation

  • Debt80.0%
  • Other20.0%

Top holdings

HoldingSectorWeightValue3M chg6M chg1Y chg
OthersOthers10.60%₹81.86 Cr+1.65%+1.74%+1.74%
Jubilant Bevco Ltd.Consumer Staples7.23%₹55.90 Cr+7.15%+7.64%+7.59%
Vedanta Ltd - Pref. Shares 7.50Metals & Mining6.52%₹50.43 Cr+6.59%+7.10%+7.34%
Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class AServices6.49%₹50.19 Cr+6.57%+7.09%+7.40%
Tata Projects Ltd.Construction6.47%₹49.99 Cr+6.55%+7.08%+7.35%
Muthoot Finance Ltd.Financial6.43%₹49.70 Cr+6.57%——
Aditya Birla Real Estate LtdConsumer Staples5.82%₹44.98 Cr+5.86%+6.39%+6.67%
Aditya Birla Renewables Ltd.Energy5.18%₹40.06 Cr+5.24%+5.67%+5.91%
Indus Infra TrustConstruction4.70%₹36.36 Cr+3.49%+3.75%+3.51%
AU Small Finance Bank Ltd.Financial3.89%₹30.10 Cr+3.93%+4.25%+4.40%

Sectors

  • Financial25.1%
  • Consumer Staples18.9%
  • Construction17.3%
  • Others14.6%
  • Services6.9%
  • Metals & Mining6.5%
  • Energy5.2%
  • Sovereign3.3%

Instruments

  • Debenture39.9%
  • Non Convertible Debenture16.1%
  • Bonds/NCDs11.6%
  • Repo8.2%
  • Infrastructure Investment Trust5.1%
  • Real Estate Investment Trusts4.8%
  • Bonds4.5%
  • State Development Loan3.2%

Recent changes

HoldingFromToWeight
Karnataka State5.89%3.20%-2.69%
Vajra Trust0.36%0.20%-0.16%
Muthoot Finance Ltd.6.50%6.43%-0.07%
Sansar Trust0.30%0.25%-0.05%
Aditya Birla Real Estate Ltd5.87%5.82%-0.05%
Vedanta Ltd - Pref. Shares 7.506.56%6.52%-0.04%
Aditya Birla Renewables Ltd.5.21%5.18%-0.03%
Indus Infra Trust4.67%4.70%+0.03%
Tata Projects Ltd.6.50%6.47%-0.03%
Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A6.52%6.49%-0.03%
360 ONE Wealth Ltd.3.25%3.23%-0.02%
AU Small Finance Bank Ltd.3.91%3.89%-0.02%
Dhruva Trust0.34%0.32%-0.02%
REC Ltd.3.21%3.19%-0.02%
Jubilant Bevco Ltd.7.22%7.23%+0.01%
Embassy Office Parks REIT3.18%3.17%-0.01%
MAS Financial Services Ltd.3.20%3.19%-0.01%
Brookfield India Real Estate Trust REIT1.68%1.67%-0.01%
GOI0.66%0.65%-0.01%
THDC India Ltd.1.30%1.29%-0.01%
Aadhar Housing Finance Ltd2.61%2.60%-0.01%
Andhra Pradesh State Beverages Corporation Ltd.1.97%1.97%0.00%
Cube Highways Trust0.43%0.43%0.00%
Godrej Seeds & Genetics Ltd.0.80%0.80%0.00%
Nirma Ltd.0.65%0.65%0.00%
Others0.55%0.55%0.00%
Surat Municipal Corporation0.07%0.07%0.00%
Uttar Pradesh Power Corporation Ltd0.26%0.26%0.00%
Yes Bank Ltd.0.00%0.00%0.00%

Compare

Similar funds

The rest of the category, so this fund’s numbers have something to sit against.

FundAUMExpense1Y3Y5Y
Category average₹2,099 Cr1.43%10.6%10.8%11.3%
ICICI Prudential Credit Risk Fund₹6,333 Cr1.43%7.2%8.1%7.9%
SBI Credit Risk Fund₹2,186 Cr1.54%7.8%7.8%7.7%
Aditya Birla Sun Life Credit Risk Fund₹1,600 Cr1.60%10.1%12.4%11.3%
DSP Credit Risk Fund₹310 Cr1.20%11.3%13.8%13.7%
Bank of India Credit Risk Fund₹68.71 Cr1.36%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 by investing in debt /and money market securities across the yield curve and predominantly in AA rated and below corporate securities.

Fund managers

  • Deepak AgrawalMr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA.He has been associated with Kotak AMC since 2002.
  • Vihag MishraRank Holder MBA in Finance from XLRIPrior to joining Kotak AMC, he was working as a senior credit analyst at French Bank, BNP Paribas.
Scheme information document

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 pastTotal investmentWould’ve becomeGrowthReturns
6 months3.70% absolute₹60,000₹62,2203.70%
1 year6.13% annualised₹1,20,000₹1,24,0603.38%
3 years7.56% annualised₹3,60,000₹4,05,21412.56%
5 years5.71% annualised₹6,00,000₹6,95,82015.97%

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 Kotak Credit Risk Fund?
The NAV of Kotak Credit Risk Fund is ₹31.93 as on 25 Sep 2026.
What is the expense ratio of Kotak Credit Risk Fund?
The expense ratio of Kotak Credit Risk Fund is 1.73% per year.
What is the minimum SIP amount for Kotak Credit Risk Fund?
You can start a SIP in Kotak Credit Risk Fund with ₹3,000 a month.
What returns has Kotak Credit Risk Fund given?
Kotak Credit Risk Fund has returned 6.2% over 1 year, 7.2% over 3 years and 6.8% over 5 years (annualised).
Is there a lock-in or exit load on Kotak Credit Risk Fund?
Lock-in: None. Exit load: Exit load for units in excess of 6% of the investment,1% will be charged for redemption within 365 days.
How risky is Kotak Credit Risk Fund?
Kotak Credit Risk Fund is rated Moderately High on the SEBI riskometer and belongs to the Credit Risk category.
Which fund house manages Kotak Credit Risk Fund?
Kotak Credit Risk Fund is managed by Kotak Mahindra Mutual Fund, which runs 94 schemes with ₹6,09,561 Cr under management.