Nippon India Credit Risk Fund

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

The Nippon India Credit Risk Fund is a 20 yrs 5 m old fund and has delivered average annual returns of 6.47% since inception. Nippon India Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 9.25% 8.46% 8.64% 6.05% 6.47%

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

The Nippon India Credit Risk Fund has an expense ratio of 1.43% , 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)
₹35.9412+0.06% 1 day change	6.47% p.a.	App exclusive #NA View Ranked Funds	₹983 Cr

Historical NAV & returns

NAV: ₹35.9412 as on Oct 20, 2025

This fund Category average

Nippon India Credit Risk Fund overview

AUM (Fund size)	₹983 Cr
Exit load	1.0% Exit load of 1% if units in excess of 10% are redeemed within 12 months!
Lock-in Period	Nil
Age	20 yrs 5 m since May 10, 2005
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.43% 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

Nippon India 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	0.72%	0.71%
3 Months	1.68%	1.62%
6 Months	4.22%	4.52%
1 Year	9.25%	9.61%
2 Years	8.76%	8.92%
3 Years	8.46%	8.31%
4 Years	7.23%	8.92%
5 Years	8.64%	8.99%
7 Years	5.45%	5.89%
10 Years	6.05%	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 33.98%

A+ 19.54%

AAA 15.37%

SOV 11.55%

Top Debt Holdings

GOI 11.55%

Renew Solar Energy (Jharkhand Five) Pvt. Ltd. 4.84%

Truhome Finance Ltd. 4.18%

Sandur Manganese & Iron Ores Ltd. 3.92%

Allocation by Instruments

Non Convertible Debenture 41.11%

Debenture 32.11%

GOI Securities 11.55%

Bonds 6.17%

Other Holdings

Others 1.79%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Nippon India Credit Risk Fund	0.72%	4.22%	9.25%	8.46%	8.64%	6.05%
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
Nippon India Credit Risk Fund	0.74	1.8	2.37	4.59
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
Nippon India Credit Risk Fund	N.A.	983 Cr	20 yrs 5 m	1.43%
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	4.98 vs. 4.98 Underperformed at beating benchmark
Sharpe	2.37 vs. 5.4 Poor risk-adjusted returns
Beta	1.8 vs. 2.66 Less sensitive to market ups & downs
Standard deviation	0.74 vs. 1.99 More stable returns

Compare Nippon India Credit Risk Fund in detail with

About this fund

About Nippon India Credit Risk Fund

Nippon India Credit Risk Fund is a Credit Risk mutual fund scheme from Nippon India Mutual Fund. This fund has been in existence for 20 yrs 5 m, having been launched on 10/05/2005. Nippon India Credit Risk Fund has ₹983 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 Nippon India Credit Risk Fund as of 20/10/2025 is ₹35.94. The fund has an expense ratio of 1.43%, which is higher than what most other Credit Risk funds charge.

Nippon India Credit Risk Fund returns of last 1-year are 9.30%. Since launch, it has delivered 6.48% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Nippon India Credit Risk Fund scheme's ability to deliver returns consistently is higher than 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 similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in GOI, Renew Solar Energy (Jharkhand Five) Pvt. Ltd., Truhome Finance Ltd., Sandur Manganese & Iron Ores Ltd., Ashoka Buildcon Ltd..

...

Fund AUM	983 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Sushil Budhia

Mr. Budhia has done CA Prior to joining Nippon India Mutual Fund, he has worked with YES Bank as Senior President, Axis Bank and UTI Mutual Fund.

Investment objective

The scheme aims to generate optimal returns consistent with moderate levels of risk. It will invest atleast 65 per cent of its assets in debt instruments with maturity of more than 1 year and the rest in money market instruments (including cash or call money and reverse repo) and debentures with maturity of less than 1 year. The exposure in government securities will generally not exceed 50 percent of the assets.

Nippon India Mutual Fund details

No. of schemes	71 view all schemes
Total AUM	6,63,684 Cr as on Sep 30, 2025
Address	4th Floor, Tower A, Peninsula Business Park, Ganapatrao Kadam Marg, Lower Parel (W), Mumbai, 400013

More funds from Nippon India Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Nippon India Medium Duration Fund	N.A.	120 Cr	10.07%	8.48%
Nippon India Nivesh Lakshya Long Duration Fund	N.A.	9,652 Cr	5.31%	8.46%
Nippon India Fixed Maturity Plan XLI - Series 8	N.A.	67 Cr	8.0%	8.45%
Nippon India Fixed Maturity Plan XLIII - Series 5	N.A.	181 Cr	8.16%	8.43%
Nippon India Dynamic Bond Fund	N.A.	4,336 Cr	7.77%	8.28%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Nippon India Credit Risk Fund?

The current Net Asset Value (NAV) of the Nippon India Credit Risk Fund plan is approximately ₹35.9412 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Nippon India Credit Risk Fund is a 20 yrs 5 m old fund and has delivered average annual returns of 6.47% since inception.

Nippon India Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
9.25%	8.46%	8.64%	6.05%	6.47%

How much does this mutual fund charge as expense ratio?

The Nippon India Credit Risk Fund has an expense ratio of 1.43%, 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 Nippon India Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately 983 Cr as on Sep 30, 2025.

To whom does Nippon India Credit Risk Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	11.55%
Renew Solar Energy (Jharkhand Five) Pvt. Ltd.	4.84%
Truhome Finance Ltd.	4.18%

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 Nippon India Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	33.98%
A+	19.54%
AAA	15.37%

What is risk level of Nippon India 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 Nippon India Credit Risk Fund?

Redeeming your investments in the Nippon India 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 5 Years.
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 of 1% if units in excess of 10% are redeemed within 12 months