Kotak Credit Risk Fund · Regular · Growth
NAV
₹31.3414
as of 17 Jun 2026
Expense Ratio
1.71%
AUM
₹706 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.52%
- 3Y
- +7.45%
- 5Y
- +5.68%
- Since Inception
- +7.32%
SIP returns (XIRR)
- 1Y
- +6.02%
- 3Y
- +7.25%
- 5Y
- +6.66%
- Since Inception
- +6.96%
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 —.
SIP since inception — what ₹100/month became
Real NAV backtest from day one
₹19,400
Invested
₹34,980
Value today
6.9%
XIRR (p.a.)
₹100/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹100 lumpsum at launch — value today
Invested on the fund's first NAV date
₹100
Invested
₹313
Value today
7.3%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹9,70,000
Withdrawn
₹13,76,611
Corpus left
+₹13,46,611 net gain — withdrew ₹9,70,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,45,939
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,45,939 — a 1.5× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.99
Sharpe Ratio
—
Alpha
—
Beta
0.98
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