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Mutual fundsSIF

Kotak Credit Risk Fund - Regular Plan - Growth

NAVs of 8 Nov 2026

Kotak Mahindra Mutual Fund · Debt fund · Regular plan · Growth

Credit RiskRegular · GrowthRisk: High
NAV · 6 Nov 2026
₹13.9619 ▲ 0.01%
Kotak Mahindra Mutual Fund
Fund size₹772 crJuly - September 2026
1-month range₹13.82 – 13.96
1 year+5.50%rank 13 of 17
Expense ratio1.74%regular plan, a year
5 years+5.78%a year

What the fund does

The investment objective of the scheme is to generate income by investing in debt /and money market securities across the yield curve and predominantly in AA rated and below corporate securities. The scheme would also seek to maintain reasonable liquidity within the fund. There is no assurance that the investment objective of the Schemes will be realised.

BenchmarkCRISIL Credit Risk Debt B-II Index
Launched11 May 2010
Fund houseKotak Mahindra Mutual Fund
Fund managersFM 1 Mr. Vihag MishraFM2 Mr. Deepak Agrawal

NAV history

141414 2026-08-112026-08-242026-09-072026-09-212026-10-052026-10-162026-10-30

Returns

1 week
+0.70%avg 0.5%
1 month
+0.47%avg 0.4%
3 months
+0.70%avg 0.8%
6 months
+3.33%avg 3.3%
This year
+4.92%avg 7.1%
1 year
+5.50%avg 7.9% · #13/17
3 years (a year)
+7.45%avg 8.7% · #14/17
5 years (a year)
+5.78%avg 9.9% · #14/16

Bars: this plan; the thin mark is the Credit Risk average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDec
2024+0.3
2025+0.8+0.5+0.7+1.3+1.4+0.3+0.8+0.2+1.0+1.0+0.5+0.2
2026+0.3+0.9-0.6+0.7+0.1+1.6+0.6+0.5+0.1-0.1+0.7

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Holdings4143 lines in all
Top 10 holdings56.2%of the fund
Debt79.4%bonds, government securities
Money market0.0%CDs, CPs, treasury bills

Where the money is

Equity 0.6%Debt 79.4%Cash & others 20.1%

Credit quality (debt and money market)

AA
37.8%
AA+
19.7%
A+
8.6%
Sovereign
6.3%
AAA
3.8%
AA-
3.2%
D
0.0%

Stocks held 1

HoldingSector / type% of fund
SBI ALTERNATIVE INVESTMENT FUND
INF0RQ622028		Alternative Investment Fund0.55%

Bonds, money market and cash 42

HoldingSector / type% of fund
Triparty Repo–8.11%
JUBILANT BEVCO LIMITED ( Axis Trustee Services Limited step up or down 25 bps for every rating chang) (^)
INE1D4P08019		CRISIL AA7.31%
VEDANTA LTD.**
INE205A08020		ICRA AA+6.55%
BAMBOO HOTEL AND GLOBAL CENTRE (DELHI) PRIVATE LTD**
INE755L07015		ICRA A+(CE)6.52%
TATA PROJECTS LTD.**
INE725H08196		CRISIL AA6.50%
MUTHOOT FINANCE LTD.(^)**
INE414G07JZ7		CRISIL AA+6.49%
ADITYA BIRLA REAL ESTATE LTD**
INE055A08060		CARE AA5.81%
ADITYA BIRLA RENEWABLES LIMITED**
INE01QP08016		CRISIL AA5.20%
INDUS INFRA TRUST
INE0NHL23019		Transport Infrastructure4.60%
AU SMALL FINANCE BANK LTD.**
INE949L08442		CRISIL AA3.91%
360 ONE PRIME LTD.(^)**
INE248U07GJ0		ICRA AA3.27%
MAS FINANCIAL SERVICES LTD.(^)**
INE348L07407		CARE AA-3.22%
REC LTD**
INE020B08FW6		ICRA AAA3.20%
Karnataka State Govt - 2036 - Karnataka
IN1920250256		SOV3.17%
EMBASSY OFFICE PARKS REIT @
INE041025011		Realty3.16%
AADHAR HOUSING FINANCE LIMITED**
INE883F07330		ICRA AA+2.61%
AADHAR HOUSING FINANCE LIMITED**
INE883F07389		ICRA AA+2.59%
Central Government - 2035
IN0020250091		SOV2.48%
Net Current Assets/(Liabilities)–2.13%
ANDHRA PRADESH STATE BEVERAGES CORPORATION LIMITED**
INE0M2307370		FITCH AA(CE)1.98%
BROOKFIELD REIT @
INE0FDU25010		Realty1.65%
THDC India Ltd. (THDCIL)**
INE812V07013		CARE AA+1.30%
GODREJ SEEDS AND GENETICS LTD. ( ) **
INE316Z08022		CRISIL AA0.80%
GODREJ SEEDS AND GENETICS LTD. ( ) **
INE316Z08048		CRISIL AA0.80%
GODREJ SEEDS AND GENETICS LTD. ( ) **
INE316Z08030		CRISIL AA0.80%
GODREJ SEEDS AND GENETICS LTD. ( ) **
INE316Z08014		CRISIL AA0.80%
Nirma Ltd.**
INE091A07208		FITCH AA0.65%
Central Government - 2066
IN0020260033		SOV0.65%
U P Power Corporation Ltd ( Guaranteed By UP State Government ) **
INE540P07392		CRISIL A+(CE)0.46%
U P Power Corporation Ltd ( Guaranteed By UP State Government ) **
INE540P07400		CRISIL A+(CE)0.45%
CUBE HIGHWAYS TRUST
INE0NR623014		Transport Infrastructure0.42%
PTC DHRUVA TRUST (SERIES A1) 24/03/2030 (MAT 24/10/2029)(DHRUVA TRUST)**
INE139015015		ICRA AAA(SO)0.31%
U P Power Corporation Ltd ( Guaranteed By UP State Government ) **
INE540P07475		CRISIL A+(CE)0.26%
U P Power Corporation Ltd ( Guaranteed By UP State Government ) **
INE540P07491		CRISIL A+(CE)0.26%
U P Power Corporation Ltd ( Guaranteed By UP State Government ) **
INE540P07483		CRISIL A+(CE)0.26%
U P Power Corporation Ltd ( Guaranteed By UP State Government ) **
INE540P07384		CRISIL A+(CE)0.23%
PTC SANSAR TRUST (SERIES A1) 25/06/2030 ( MAT 31/08/2027)(SANSAR TRUST)**
INE0YWN15017		CRISIL AAA(SO)0.21%
U P Power Corporation Ltd ( Guaranteed By UP State Government ) **
INE540P07467		CRISIL A+(CE)0.13%
SURAT MUNICIPAL CORPORATION**
INE05NX24023		CRISIL AA+0.07%
SURAT MUNICIPAL CORPORATION**
INE05NX24031		CRISIL AA+0.07%
PTC VAJRA TRUST (SERIES A1) 20/02/2029 (MAT 20/02/2027)(VAJRA TRUST)**
INE0UQO15015		ICRA AAA(SO)0.06%
YES BANK LTD.- AT1 Bonds**
INE528G08394		ICRA D0.00%

From the fund house's monthly portfolio (kotakmf.com), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility1.5%yearly, from daily NAVs
Worst fall-12.10%28 Feb 2020 → 30 Apr 2020
RiskometerHighHigh

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Fund details

Fund size (average AUM, July - September 2026)₹772 cr across all plans · this plan ₹1.44 cr
Fund houseKotak Mahindra Mutual Fund
CategoryDebt · Credit Risk
PlanRegular
OptionGrowth
Expense ratio (TER)Direct 0.82% · Regular 1.74% (3 Nov 2026)
Exit loadFor redemption / switch out of upto 6% of the initial investment amount (limit) purchased or switched in within 1 year from the date of allotment: Nil. If units redeemed or switched out are in excess of the limit within 1year from the date of allotment: 1% If units are redeemed or switched out on or after 1 year from the date of allotment: NIL
Minimum investment₹100 · additional ₹100
Scheme code (AMFI)117715
ISININF174K01EG2
NAV date6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

PlanNAV1 year
Direct · Growth₹27.4628+6.47%
Direct · Growth₹36.5648+6.47%
Regular · Growth₹32.1047+5.50%

Top Credit Risk funds (regular plans)

Fund1 year3 years (a year)
DSP Credit Risk Fund+9.79%+12.93%
Aditya Birla Sun Life Credit Risk Fund+10.61%+12.09%
HSBC Credit Risk Fund+5.23%+10.82%
BANK OF INDIA CREDIT RISK FUND+17.15%+10.06%
BANK OF INDIA CREDIT RISK FUND+16.65%+9.64%
Axis Credit Risk Fund+7.77%+8.81%
Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1)+7.53%+8.39%
ICICI Prudential Credit Risk Fund+6.73%+8.29%
Kotak Credit Risk Fund+5.50%+7.45%

All Credit Risk funds ranked › · Compare with others ›

← All mutual funds

Information only, not investment advice.

What is the NAV of Kotak Credit Risk Fund - Regular Plan - Growth today?

₹13.9619 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of Kotak Credit Risk Fund - Regular Plan - Growth?

1 year: 5.50%, 3 years: 7.45% a year, 5 years: 5.78% a year

How does Kotak Credit Risk Fund rank in its category?

13 of 17 Credit Risk funds (regular plans, growth option) by 1-year return.

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.