Kotak Credit Risk Fund · Regular · Growth
NAV
₹31.5975
as of 14 Jul 2026
Expense Ratio
1.71%
AUM
₹706 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.71%
- 3Y
- +7.56%
- 5Y
- +5.82%
- Since Inception
- +7.33%
SIP returns (XIRR)
- 1Y
- +6.65%
- 3Y
- +7.44%
- 5Y
- +6.83%
- Since Inception
- +6.99%
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 (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,26,775 today — ₹6,00,000 invested, 6.3% XIRR.
₹6,00,000
Invested
₹8,26,775
Value today
6.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,88,455 today (6.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹10,57,775.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹1,47,532 today (1.48×).
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, annualised1.21
Sharpe Ratio
—
Alpha
—
Beta
1.20
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) (^)**7.15%
- 2Vedanta Ltd.**6.62%
- 3Bamboo Hotel And Global Centre (Delhi) Private Ltd**6.60%
- 4Tata Projects Ltd.**6.59%
- 5Aditya Birla Real Estate Ltd(^)**5.87%
- 6Karnataka State Govt - 2035 - Karnataka5.83%
- 7Aditya Birla Renewables Limited(^)**5.27%
- 8Au Small Finance Bank Ltd.**3.94%
- 9Indus Infra Trust3.63%
- 10National Bank For Agriculture & Rural Development3.28%
Investment Objective
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 ₹706 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 1.71%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations