Nippon India Credit Risk Fund · Regular · Growth
NAV
₹38.1386
as of 29 Sept 2026
Expense Ratio
1.48%
AUM
₹1,311 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.79%
- 3Y
- +8.00%
- 5Y
- +7.06%
- Since Inception
- +6.48%
SIP returns (XIRR)
- 1Y
- +6.74%
- 3Y
- +7.79%
- 5Y
- +7.67%
- Since Inception
- +6.54%
Returns calculated from 30 September 2020 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 5 years (Sept 2021 – Sept 2026)
A ₹5,000 monthly SIP for the last 5 years (Sept 2021 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,63,577 today — ₹3,00,000 invested, 7.7% XIRR.
₹3,00,000
Invested
₹3,63,577
Value today
7.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Sept 2021 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,40,636 today (7.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2021 would still hold ₹10,42,781.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Sept 2021 – Sept 2026) (3 Jun 2024) would be ₹1,19,830 today (1.20×).
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, annualised1.56
Sharpe Ratio
—
Alpha
—
Beta
1.75
Sortino
1.04%
Std Dev
-0.40%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 110.5% Triumph Composites Limited**4.75%
- 28.55% Aditya Birla Real Estate Limited**3.49%
- 37.44% National Bank For Agriculture And Rural Development**3.47%
- 48.45% Adani Airport Holdings Limited**3.46%
- 59.75% Delhi International Airport Limited**3.23%
- 66.66% National Bank For Agriculture And Rural Development**3.12%
- 7Hdfc Bank Limited**3.08%
- 810.4% Muthoot Fincorp Ltd2.86%
- 99.25% Truhome Finance Limited**2.56%
- 1010.2% Navi Finserv Limited**2.54%
What this fund does
Nippon India Credit Risk Fund · Regular · Growth by Nippon India 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
Nippon India Credit Risk Fund · Regular · Growth is a Credit Risk mutual fund offered by Nippon India Mutual Fund. The fund has been operational for over 21 years. It manages assets worth ₹1,311 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 1.48%.