Kotak Credit Risk Fund

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

The Kotak Credit Risk Fund is a 15 yrs 6 m old fund and has delivered average annual returns of 7.42% since inception. Kotak Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 9.01% 7.64% 5.94% 6.8% 7.42%

Q: How much does this mutual fund charge as expense ratio?

The Kotak Credit Risk Fund has an expense ratio of 1.71% , 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.

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹30.359+0.2% 1 day change	7.42% p.a.	App exclusive #NA View Ranked Funds	₹683 Cr

Historical NAV & returns

NAV: ₹30.359 as on Oct 20, 2025

This fund Category average

Kotak Credit Risk Fund overview

AUM (Fund size)	₹683 Cr
Exit load	1.0% Exit load for units in excess of 6% of the investment,1% will be charged for redemption within 365 days!
Lock-in Period	Nil
Age	15 yrs 6 m since Apr 12, 2010
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.71% as on Sep 30, 2025
Plan type	Regular
Risk	High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Kotak 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	0.99%	0.71%
3 Months	2.14%	1.62%
6 Months	4.7%	4.52%
1 Year	9.01%	9.61%
2 Years	8.6%	8.92%
3 Years	7.64%	8.31%
4 Years	5.76%	8.92%
5 Years	5.94%	8.99%
7 Years	6.46%	5.89%
10 Years	6.8%	6.31%

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 53.04%

SOV 12.71%

A+ 10.62%

AAA 7.98%

Top Debt Holdings

GOI 12.71%

Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A 7.44%

Tata Projects Ltd. 7.41%

Vedanta Ltd - Pref. Shares 7.50 7.39%

Allocation by Instruments

Debenture 30.860000000000003%

Non Convertible Debenture 16.14%

Bonds/NCDs 13.36%

GOI Securities 12.709999999999999%

Other Holdings

Embassy Office Parks REIT 3.94%

Indus Infra Trust 3.58%

Brookfield India Real Estate Trust REIT 2.55%

Others 1.99%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Kotak Credit Risk Fund	0.99%	4.7%	9.01%	7.64%	5.94%	6.8%
Bank of India Credit Risk Fund	0.94%	3.06%	6.38%	6.08%	25.92%	1.6%
Baroda BNP Paribas Credit Risk Fund	0.61%	3.75%	8.25%	7.98%	9.55%	7.68%
SBI Credit Risk Fund	0.57%	3.46%	8.37%	8.21%	6.81%	7.3%
Aditya Birla Sun Life Credit Risk Fund	0.92%	4.9%	13.46%	10.8%	9.34%	8.16%
ICICI Prudential Credit Risk Fund	0.87%	4.61%	9.18%	8.42%	7.32%	7.81%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Kotak Credit Risk Fund	1.35	2.25	0.66	1.05
Bank of India Credit Risk Fund	0.77	0.63	-0.55	-1.74
Baroda BNP Paribas Credit Risk Fund	0.72	1.63	1.79	3.78
SBI Credit Risk Fund	1.21	1.85	1.27	3.74
Aditya Birla Sun Life Credit Risk Fund	2.48	1.92	1.57	6.48
ICICI Prudential Credit Risk Fund	0.95	2.11	1.78	4.48

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Kotak Credit Risk Fund	N.A.	683 Cr	15 yrs 6 m	1.71%
Bank of India Credit Risk Fund	N.A.	106 Cr	10 yrs 8 m	1.52%
Baroda BNP Paribas Credit Risk Fund	N.A.	196 Cr	10 yrs 9 m	1.61%
SBI Credit Risk Fund	N.A.	2,210 Cr	21 yrs 3 m	1.5%
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,053 Cr	10 yrs 6 m	1.54%
ICICI Prudential Credit Risk Fund	N.A.	5,994 Cr	14 yrs 11 m	1.4%

View all Credit Risk funds

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

Alpha	4.94 vs. 4.98 Underperformed at beating benchmark
Sharpe	0.66 vs. 5.4 Poor risk-adjusted returns
Beta	2.25 vs. 2.66 Less sensitive to market ups & downs
Standard deviation	1.35 vs. 1.99 More stable returns

Compare Kotak Credit Risk Fund in detail with

About this fund

About Kotak Credit Risk Fund

Kotak Credit Risk Fund is a Credit Risk mutual fund scheme from Kotak Mahindra Mutual Fund. This fund has been in existence for 15 yrs 6 m, having been launched on 12/04/2010. Kotak Credit Risk Fund has ₹683 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 Kotak Credit Risk Fund as of 20/10/2025 is ₹30.36. The fund has an expense ratio of 1.71%, which is higher than what most other Credit Risk funds charge.

Kotak Credit Risk Fund returns of last 1-year are 9.05%. Since launch, it has delivered 7.45% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Kotak Credit Risk Fund 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 below 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, Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A, Tata Projects Ltd., Vedanta Ltd - Pref. Shares 7.50, Aadhar Housing Finance Ltd.

...

Fund AUM	683 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Deepak Agrawal

Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA. He has been associated with Kotak AMC since 2002.

Vihag Mishra

Investment objective

The scheme seeks to generate income by investing in debt /and money market securities across the yield curve and predominantly in AA rated and below corporate securities.

Kotak Mahindra Mutual Fund details

No. of schemes	83 view all schemes
Total AUM	5,66,982 Cr as on Sep 30, 2025
Address	The Capital Building, Behind ICICI Bank, G Block BKC, Bandra Kurla Complex Bandra (E) Mumbai, 400051
Phone	022-61152100 / 1800-22-2626

More funds from Kotak Mahindra Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Kotak Nifty SDL Apr 2032 Top 12 Equal Weight Index Fund	N.A.	2,937 Cr	7.27%	8.65%
Kotak FMP Series 304 - 3119 Days	N.A.	117 Cr	8.69%	N.A.
Kotak Medium Term Fund	N.A.	1,837 Cr	8.73%	8.07%
Kotak Nifty SDL Plus AAA PSU Bond Jul 2028 60:40 Index Fund	N.A.	548 Cr	8.18%	7.91%
Kotak Floating Rate Fund	N.A.	2,989 Cr	8.3%	7.9%
Kotak Income Plus Arbitrage Omni FoF	N.A.	6,346 Cr	7.62%	N.A.

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Kotak Credit Risk Fund?

The current Net Asset Value (NAV) of the Kotak Credit Risk Fund plan is approximately ₹30.359 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Kotak Credit Risk Fund is a 15 yrs 6 m old fund and has delivered average annual returns of 7.42% since inception.

Kotak Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
9.01%	7.64%	5.94%	6.8%	7.42%

How much does this mutual fund charge as expense ratio?

The Kotak Credit Risk Fund has an expense ratio of 1.71%, 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 Kotak Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately 683 Cr as on Sep 30, 2025.

To whom does Kotak Credit Risk Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	12.71%
Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A	7.44%
Tata Projects Ltd.	7.41%

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 Kotak Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	53.04%
SOV	12.71%
A+	10.62%

What is risk level of Kotak 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 can I redeem my investments in Kotak Credit Risk Fund?

Redeeming your investments in the Kotak 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 3 Years.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load for units in excess of 6% of the investment,1% will be charged for redemption within 365 days