Kotak Credit Risk Fund
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.
Growthvine rating: 2/5 — ranked #10 of 14 in category.
Fund basics
| Category | Debt: Credit Risk |
|---|---|
| NAV | ₹31.86 (as of 2026-08-21) |
| AUM | ₹770 Cr |
| Expense ratio | 1.47% |
| Riskometer | High |
| Fund manager | Deepak Agrawal |
| Exit load | For units in excess of 6% of the investment, 1% will be charged for redemption within 365 days |
Performance & risk
| 5-year annualised return | 5.84% |
|---|---|
| Sharpe ratio | 1.03 |
| Standard deviation | 1.56% |
| Max drawdown | -3.99% |
| Alpha | 0 |
| Beta | 0 |
Over 5 years, captured 87.8% of NIFTY Credit Risk Bond Index's upside and 376.0% of its downside.
Market cap allocation
Concentration
Top holdings
Not disclosed.
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|---|---|---|
| 2026 (partial) | 4.1% | Q3 | #10 of 14 |
| 2025 | 9.1% | Q2 | #6 of 14 |
| 2024 | 7.1% | Q4 (Bottom) | #13 of 14 |
| 2023 | 6.4% | Q4 (Bottom) | #12 of 14 |
| 2022 | 0.9% | Q4 (Bottom) | #13 of 13 |