Kotak Credit Risk Fund · Regular · Growth
NAV
₹31.9168
as of 29 Sept 2026
Expense Ratio
1.73%
AUM
₹742 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.00%
- 3Y
- +7.56%
- 5Y
- +5.69%
- Since Inception
- +7.30%
SIP returns (XIRR)
- 1Y
- +5.96%
- 3Y
- +7.08%
- 5Y
- +6.75%
- Since Inception
- +6.95%
Returns calculated from 12 April 2010 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,26,424 today — ₹6,00,000 invested, 6.3% XIRR.
₹6,00,000
Invested
₹8,26,424
Value today
6.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,84,503 today (6.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹10,18,606.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,49,023 today (1.49×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.89
Sharpe Ratio
—
Alpha
—
Beta
0.88
Sortino
1.38%
Std Dev
-0.66%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Jubilant Bevco Limited ( Axis Trustee Services Limited Step Up Or Down 25 Bps For Every Rating Chang) (^)**7.23%
- 2Vedanta Ltd.**6.52%
- 3Bamboo Hotel And Global Centre (Delhi) Private Ltd**6.49%
- 4Tata Projects Ltd.**6.47%
- 5Muthoot Finance Ltd.(^)**6.43%
- 6Aditya Birla Real Estate Ltd**5.82%
- 7Aditya Birla Renewables Limited**5.18%
- 8Indus Infra Trust4.70%
- 9Au Small Finance Bank Ltd.**3.89%
- 10360 One Prime Ltd.(^)**3.23%
What this fund does
Kotak Credit Risk Fund · Regular · Growth by Kotak Mahindra Mutual Fund is a Credit Risk fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Credit Risk category.
About This Fund
Kotak Credit Risk Fund · Regular · Growth is a Credit Risk mutual fund offered by Kotak Mahindra Mutual Fund. The fund has been operational for over 16 years. It manages assets worth ₹742 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Credit Risk Debt B-II Index. The current expense ratio is 1.73%.