Kotak Credit Risk Fund Direct-growth
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Fund Overview
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₹694.8 CrAUM
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₹33.85NAV
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0.81%Expense Ratio
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DebtFund Category
Returns of Kotak Credit Risk Fund Direct-growth
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 2.35% | NA | 1.56% |
| 6 Months | 5.90% | NA | 6.78% |
| 1 Year | 8.17% | 8.17% | 11.50% |
| 3 Years | 26.90% | 8.27% | 9.30% |
| 5 Years | 39.14% | 6.83% | 10.13% |
| 7 Years | 64.88% | 7.40% | NA |
| 10 Years | 114.39% | 7.92% | 7.32% |
Asset Allocation
debt instruments
87.42%other assets or cash equivalents
2.92%Kotak Credit Risk Fund Direct-growth is one Debt mutual fund offered by Kotak Mahindra Mutual Fund. the fund aims Income over a medium term investment horizon. Investment predominantly in AA and below rated corporate bonds (Excluding AA+ rated corporate bonds). It manages assets worth ₹694.8 crore as on Thu Jul 31, 2025. The expense ratio stands at 0.81%. Fund Manager Manager Education Fund Manager Manager Education
The portfolio allocation consists of 87.42% in debt instruments, 2.92% in other assets or cash equivalents. Managed by Deepak Agrawal, it has delivered a return of 8.17% in the last year, a total return since inception of 8.30%.
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Standard Deviation1.39%
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Sharpe Ratio0.99%
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Alpha6.14%
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Beta2.58%
Fund Details
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Fund NamesKotak Credit Risk Fund Direct-growth
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Lock InNo Lock-in
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SIP Minimum Investment amount₹ 100
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SWP Minimum Investment amount₹ 1000
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STP Minimum Investment amount₹ 1000
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RiskPrincipal at high risk
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Category Average Annual Returns11.50
Top Performing Mutual Funds
| Fund Names | AUM (Cr) | 1M | 3M | 1Yr | 3Yr | 5Yr |
|---|---|---|---|---|---|---|
Uti Conservative Hybrid Fund  |
₹1,707.10 Cr | 0.81% | 1.06% | 4.40% | 9.75% | 10.75% |
| Uti Credit Risk Fund |
₹277.27 Cr | 0.72% | 1.61% | 8.19% | 8.05% | 10.28% |
| Uti Dynamic Bond Fund |
₹481.67 Cr | 0.60% | 0.37% | 7.02% | 7.73% | 9.19% |
| Uti Low Duration Fund |
₹3,211.14 Cr | 0.48% | 1.45% | 7.81% | 7.38% | 7.07% |
| Uti Short Duration Fund |
₹3,295.53 Cr | 0.47% | 1.12% | 7.79% | 7.39% | 7.04% |
| Aditya Birla Sun Life Corporate Bond Fund |
₹28,596.86 Cr | 0.51% | 0.89% | 7.80% | 7.90% | 6.67% |
| Uti Money Market Fund |
₹20,553.67 Cr | 0.48% | 1.54% | 7.95% | 7.64% | 6.22% |
| Uti Liquid Fund |
₹29,013.49 Cr | 0.48% | 1.45% | 6.96% | 7.09% | 5.72% |
| Sbi Magnum Ultra Short Duration Fund |
₹15,902.29 Cr | 0.46% | 1.46% | 7.28% | 7.09% | 5.71% |
| Uti Liquid Fund |
₹29,013.49 Cr | 0.47% | 1.43% | 6.87% | 7.00% | 5.63% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More funds from Kotak Mahindra Mutual Fund
| Fund Names | AUM (Cr) | 1M | 3M | 6M | 1Yr | 3Yr |
|---|---|---|---|---|---|---|
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Kotak Bond Fund Regular-growth
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₹2,095 Cr | 0.62% | 0.10% | 2.61% | 5.46% | 6.85% |
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Kotak Multi Asset Allocator Fof - Dynamic Regular-growth
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₹1,858 Cr | 3.48% | 5.36% | 14.14% | 8.73% | 19.49% |
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Kotak Technology Fund Regular - Growth
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₹587 Cr | 4.54% | 0.44% | 9.49% | -6.78% | - |
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Kotak Nifty Commodities Index Fund Direct - Growth
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₹27 Cr | 2.17% | 5.77% | 9.07% | - | - |
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Kotak Nifty Commodities Index Fund Regular - Growth
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₹27 Cr | 2.16% | 5.71% | 8.94% | - | - |
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Kotak Nifty 50 Equal Weight Index Fund Regular-growth
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₹18 Cr | 2.31% | 4.71% | 13.26% | - | - |
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Kotak Nifty 200 Quality 30 Index Fund Direct-growth
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₹10 Cr | 3.23% | - | - | - | - |
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Kotak Nifty 200 Quality 30 Index Fund Regular-growth
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₹10 Cr | 3.21% | - | - | - | - |
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Kotak Nifty200 Quality 30 Etf-growth
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₹2 Cr | 3.24% | - | - | - | - |
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Kotak Nifty 100 Equal Weight Etf-growth
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₹2 Cr | 2.67% | 5.98% | 14.30% | - | - |
growth is based on 1-month returns of the fundsMutual Fund Calculator
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Tax Information
If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.
Top Mutual Funds
| Fund Names | AUM (Cr) | NAV | 3Yr | 5Yr | 10Yr |
|---|---|---|---|---|---|
| Uti Liquid Regular Plan-flexi Idcw |
₹29,013.49 Cr | ₹1,576.78 | 7.00% | 5.63% | 6.19% |
| Uti Liquid Direct-flexi Idcw |
₹29,013.49 Cr | ₹1,586.16 | 7.09% | 5.72% | 6.27% |
| Aditya Birla Sun Life Corporate Bond Fund Direct-discipline Advantage Plan |
₹28,596.86 Cr | ₹10.81 | 7.90% | 6.67% | 7.85% |
| Uti Money Market Fund Direct-flexi Idcw |
₹20,553.67 Cr | ₹1,625.31 | 7.64% | 6.22% | 6.88% |
| Sbi Magnum Ultra Short Duration Fund Regular ( Automatic Reinvestment) |
₹15,902.29 Cr | ₹1,264.64 | 7.09% | 5.71% | 6.55% |
| Uti Short Duration Regular Plan-flexi Idcw |
₹3,295.53 Cr | ₹18.35 | 7.39% | 7.04% | 6.34% |
| Uti Low Duration Fund Regular Plan-bonus |
₹3,211.14 Cr | ₹3,009.68 | 7.38% | 7.07% | 6.20% |
| Uti Conservative Hybrid Fund Regular Plan-flexi Idcw |
₹1,707.10 Cr | ₹45.56 | 9.75% | 10.75% | 8.28% |
| Uti Dynamic Bond Fund Direct-flexi Idcw |
₹481.67 Cr | ₹16.98 | 7.73% | 9.19% | 7.44% |
| Uti Credit Risk Fund Direct-flexi Idcw |
₹277.27 Cr | ₹12.44 | 8.05% | 10.28% | 3.91% |
Detailed Portfolio
| Stocks | Sector | % of Holding | Value |
|---|---|---|---|
| Goi Sec 7.18 14/08/2033 | Entities | 8.98% | ₹62.40 Cr |
| Jubilant Bevco Limited Ncd 31my28 Fvrs1lac | Consumer Staples | 7.48% | ₹51.95 Cr |
| Tata Projects Limited Sr Q 8.25 Ncd 28ap27 Fvrs1lac | Industrials | 7.28% | ₹50.58 Cr |
| Vedanta Limited Sr 2 9.50 Ncd 20ag27 Fvrs1lac | Materials | 7.28% | ₹50.57 Cr |
| Bamboo Hotel And Global Centre (delhi) Private Limited Sr I 10.81 Ncd 31jn28 Fvrs1lac | Consumer Discretionary | 7.26% | ₹50.42 Cr |
| Century Textiles And Industries Limited 8.55 Ncd 30ag29 Fvrs1lac | Materials | 6.63% | ₹46.08 Cr |
| Aditya Birla Renewables Limited 8.6 Ncd 24sp27 Fvrs1lac | Energy & Utilities | 5.87% | ₹40.79 Cr |
| Au Small Finance Bank Limited Sr I 9.3 Loa 03ag32 Fvrs1cr | Financial | 4.38% | ₹30.41 Cr |
| National Bank For Agriculture And Rural Development Sr 25c 7.44 Bd 24fb28 Fvrs1lac | Financial | 3.66% | ₹25.43 Cr |
| Embassy Office Parks Reit | Real Estate | 3.63% | ₹25.19 Cr |
| Bharat Highways Invit | Industrials | 3.54% | ₹24.57 Cr |
| Vajra 003 Trust Senior Tranche Ptc 08dec23 | Unspecified | 3.03% | ₹21.06 Cr |
| Government Of India 35031 Goi 07ot34 6.79 Fv Rs 100 | Entities | 2.95% | ₹20.50 Cr |
| Aadhar Housing Finance Limited 8.65 Ncd 21ag27 Fvrs1lac | Financial | 2.93% | ₹20.37 Cr |
| Aadhar Housing Finance Limited 8.37 Ncd 29my28 Fvrs1lac | Financial | 2.93% | ₹20.33 Cr |
| Prestige Projects Private Limited 11.75 Ncd 05mr27 Fvrs1lac | Real Estate | 2.88% | ₹20.05 Cr |
| Net Current Assets | Unspecified | 2.68% | ₹18.83 Cr |
| Brookfield India Real Estate Trust Reit | Real Estate | 2.49% | ₹17.33 Cr |
| Tata Projects Limited Sr I 7.99 Ncd 06ot25 Fvrs10lac | Industrials | 2.02% | ₹14.03 Cr |
| Thdc India Limited Sr-1 7.59 Loa 03ot26 Fvrs10lac | Industrials | 1.45% | ₹10.08 Cr |
| Sansar June 2024 Trust Series A1 Ptc 03jul24 | Unspecified | 1.32% | ₹9.14 Cr |
| Godrej Seeds & Genetics Limited Sr 1 Strpp 7.68 Ncd 28jn28 Fvrs1lac | Consumer Staples | 0.90% | ₹6.24 Cr |
| Godrej Seeds & Genetics Limited Sr 2 Strpp 7.68 Ncd 28ap28 Fvrs1lac | Consumer Staples | 0.90% | ₹6.23 Cr |
| Godrej Seeds & Genetics Limited Sr 4 Strpp 7.68 Ncd 27ot28 Fvrs1lac | Consumer Staples | 0.90% | ₹6.23 Cr |
| Godrej Seeds & Genetics Limited Sr 3 Strpp 7.68 Ncd 28jl28 Fvrs1lac | Consumer Staples | 0.90% | ₹6.23 Cr |
| Nirma Limited Sr Vii Tr C 8.50 Ncd 07ap27 Fvrs1lac | Consumer Staples | 0.73% | ₹5.08 Cr |
| Others Class A2 Aif | Unspecified | 0.57% | ₹3.98 Cr |
| Dhruva Xxii Series A1 Ptc 29aug24 | Unspecified | 0.57% | ₹3.95 Cr |
| U.p. Power Corporation Limited Sr I Strpp D 9.70 Bd 31mr28 Fvrs10lac | Industrials | 0.52% | ₹3.59 Cr |
| U.p. Power Corporation Limited Sr I Strpp E 9.70 Bd 30mr29 Fvrs10lac | Industrials | 0.51% | ₹3.57 Cr |
| U.p. Power Corporation Limited Sr I Strpp C 9.70 Bd 31mr27 Fvrs10lac | Industrials | 0.51% | ₹3.55 Cr |
| U.p. Power Corporation Limited Sr I Strpp B 9.70 Bd 31mr26 Fvrs10lac | Industrials | 0.38% | ₹2.64 Cr |
| U.p. Power Corporation Limited Sr Ii F 9.95 Bd 29mr30 Fvrs10lac | Industrials | 0.30% | ₹2.06 Cr |
| U.p. Power Corporation Limited Sr Ii D 9.95 Bd 31mr28 Fvrs10lac | Industrials | 0.30% | ₹2.06 Cr |
| U.p. Power Corporation Limited Sr Ii E 9.95 Bd 30mr29 Fvrs10lac | Industrials | 0.30% | ₹2.05 Cr |
| U.p. Power Corporation Limited Sr Ii C 9.95 Bd 31mr27 Fvrs10lac | Industrials | 0.29% | ₹2.04 Cr |
| Century Textiles And Industries Limited Sr Xxi 8.10 Loa 25ap26 Fvrs1lac | Materials | 0.29% | ₹2.01 Cr |
| Repo | Unspecified | 0.24% | ₹1.70 Cr |
| U.p. Power Corporation Limited Sr Ii B 9.95 Bd 31mr26 Fvrs10lac | Industrials | 0.22% | ₹1.51 Cr |
Top Debt Funds
| Fund Names | NAV | 3Yr | 5Yr | 52 weeks high |
|---|---|---|---|---|
| Uti Credit Risk Fund Direct-flexi Idcw |
₹12.44 | 8.05% | 10.28% | - |
| Uti Credit Risk Fund Direct-growth |
₹19.59 | 8.05% | 10.28% | - |
| Aditya Birla Sun Life Credit Risk Fund Direct-growth |
₹25.01 | 11.45% | 10.27% | - |
| Uti Credit Risk Fund Regular Plan-flexi Idcw |
₹11.24 | 7.28% | 9.48% | - |
| Uti Credit Risk Fund Regular Plan-growth |
₹17.32 | 7.28% | 9.48% | - |
| Aditya Birla Sun Life Credit Risk Fund Regular-growth |
₹22.78 | 10.48% | 9.32% | - |
| Sbi Credit Risk Fund Direct-growth |
₹50.10 | 8.77% | 7.68% | - |
| Sbi Credit Risk Fund-growth |
₹46.33 | 8.07% | 7.00% | - |
| Kotak Credit Risk Fund Direct-growth |
₹33.85 | 8.26% | 6.81% | - |
| Kotak Credit Risk Fund Regular-growth |
₹30.03 | 7.24% | 5.78% | - |
growth is based on 5Y returns of the funds
- 3 Months: 2.35%
- 6 Months: 5.90%
- 3 Years CAGR: 8.27%
- 5 Years CAGR: 6.83%
- Since Inception: 8.30%
- GOI Sec 7.18 14/08/2033 – 8.98% of the fund's portfolio
- JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC – 7.48% of the fund's portfolio
- TATA PROJECTS LIMITED SR Q 8.25 NCD 28AP27 FVRS1LAC – 7.28% of the fund's portfolio
- VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC – 7.28% of the fund's portfolio
- BAMBOO HOTEL AND GLOBAL CENTRE (DELHI) PRIVATE LIMITED SR I 10.81 NCD 31JN28 FVRS1LAC – 7.26% of the fund's portfolio
- Industrials – 17.62% of the fund's portfolio
- Materials – 14.20% of the fund's portfolio
- Financial – 13.90% of the fund's portfolio
- Entities – 11.93% of the fund's portfolio
- Consumer Staples – 11.81% of the fund's portfolio
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^Returns as on 10th Jan’25. Tata AIA Life Top 200 ULIP Fund has delivered 18% returns over the last 10 years. Past performance is not necessarily indicative of future results. This disclaimer is specifically regarding a ULIP fund and is not related to mutual funds. Source: Morningstar.
