Axis Credit Risk Fund Direct-Growth

Q: What are the returns of this mutual fund scheme?

The Axis Credit Risk Fund Direct-Growth is a 11 yrs 4 m old fund and has delivered average annual returns of 8.29% since inception. Axis Credit Risk Fund Direct-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 9.62% 8.81% 7.7% 7.92% 8.29%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹24.6464+0.08% 1 day change	8.29% p.a.	App exclusive #NA View Ranked Funds	₹367 Cr

Historical NAV & returns

NAV: ₹24.6464 as on Oct 20, 2025

This fund Category average

Axis Credit Risk Fund overview

Expense ratio	0.8% as on Sep 30, 2025
Exit load	1.0% Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 12 months.!
AUM (Fund size)	₹367 Cr
Lock-in Period	Nil
Age	11 yrs 4 m since Jun 25, 2014
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Risk	High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Axis Credit Risk Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	0.83%	0.77%
3 Months	2.13%	1.81%
6 Months	4.42%	4.92%
1 Year	9.62%	10.45%
2 Years	9.27%	9.75%
3 Years	8.81%	9.15%
4 Years	7.65%	9.76%
5 Years	7.7%	9.82%
7 Years	7.7%	6.71%
10 Years	7.92%	7.16%

Asset allocationas on Sep 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AA 36.43761795%

A+ 15.17122189%

SOV 12.11606538%

AA- 10.95538535%

Top Debt Holdings

GOI 11.74%

Vedanta Ltd. 4.64%

Others 4.52%

Aditya Birla Renewables Ltd. 4.15%

Allocation by Instruments

Debenture 58.407076059999994%

GOI Securities 11.74120888%

Non Convertible Debenture 9.378725580000001%

CBLO 4.51801619%

Other Holdings

Knowledge Realty Trust 2.2%

Others 0.48%

Embassy Office Parks REIT 0.18%

Indus Infra Trust 0.1%

Detailed portfolio analysis

Key risk & return ratios Compared to other funds in the category

Alpha	5.06 vs. 5.66 Underperformed at beating benchmark
Sharpe	3.0 vs. 6.19 Poor risk-adjusted returns
Beta	1.68 vs. 3.51 Less sensitive to market ups & downs
Standard deviation	0.68 vs. 1.99 More stable returns

Compare Axis Credit Risk Fund in detail with

About this fund

About Axis Credit Risk Fund

Axis Credit Risk Fund Direct-Growth is a Credit Risk mutual fund scheme from Axis Mutual Fund. This fund has been in existence for 11 yrs 4 m, having been launched on 25/06/2014. Axis Credit Risk Fund Direct-Growth has ₹367 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Axis Credit Risk Fund Direct-Growth as of 20/10/2025 is ₹24.65. The fund has an expense ratio of 0.8%, which is close to what most other Credit Risk funds charge.

Axis Credit Risk Fund Direct-Growth returns of last 1-year are 9.66%. Since launch, it has delivered 8.33% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Axis Credit Risk Fund Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund's credit profile is low indicating it has lent to borrowers whose quality is not too great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Vedanta Ltd., Aditya Birla Renewables Ltd., Nirma Ltd., Narayana Hrudayalaya Ltd..

...

Fund AUM	367 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Akhil Bipin Thakker

Mr. Thakker has done MBA in Finance from K J Somaiya Institute of Management Prior to joining Axis Mutual Fund, he has worked with CRISIL Ltd and Credit Analysis & Research Ltd.

Devang Shah

Mr. Shah is B.Com and ACA. Prior to joining Axis AMC he has worked with ICICI Prudential AMC, Deutsche Asset Management (India) Pvt. Ltd. and Pricewaterhouse Coopers.

Investment objective

The scheme seeks to generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum.

Axis Mutual Fund details

No. of schemes	70 view all schemes
Total AUM	3,54,362 Cr as on Sep 30, 2025
Address	23rd Floor, One Lodha Place, S. B. Road, Lower Parel. Mumbai, 400013
Phone	022-24255161

More funds from Axis Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Axis Strategic Bond Fund	N.A.	1,908 Cr	9.27%	8.91%
Axis Floater Fund	N.A.	128 Cr	8.29%	8.63%
Axis Corporate Bond Fund	N.A.	9,184 Cr	9.1%	8.48%
Axis Short Duration Fund	N.A.	12,201 Cr	9.12%	8.39%
Axis Income Plus Arbitrage Active FoF	N.A.	1,717 Cr	8.28%	8.29%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Axis Credit Risk Fund Direct-Growth?

The current Net Asset Value (NAV) of the Axis Credit Risk Fund - Direct Growth plan is approximately ₹24.6464 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Axis Credit Risk Fund Direct-Growth is a 11 yrs 4 m old fund and has delivered average annual returns of 8.29% since inception.

Axis Credit Risk Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
9.62%	8.81%	7.7%	7.92%	8.29%

How much does this mutual fund charge as expense ratio?

The Axis Credit Risk Fund - Direct Growth has an expense ratio of 0.8%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Axis Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately 367 Cr as on Sep 30, 2025.

To whom does Axis Credit Risk Fund lend to?

The top 3 debt holdings of Axis Credit Risk Fund are as follows

Holding Name	Percentage of Portfolio
GOI	11.74%
Vedanta Ltd.	4.64%
Others	4.52%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Axis Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	36.43761795%
A+	15.17122189%
SOV	12.11606538%

What is risk level of Axis Credit Risk Fund?

This is a Credit Risk fund comes with High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in Axis Credit Risk Fund Direct-Growth?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Axis Credit Risk Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the Axis Credit Risk Fund is complete.

How can I redeem my investments in Axis Credit Risk Fund?

Redeeming your investments in the Axis Credit Risk Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Credit Risk

#NA

Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 10 Years.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 12 months.