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Kotak Credit Risk Fund Direct Growth
DebtCredit RiskModerately High risk
Direct
NAV (20-Dec-24)
₹31.34-0.23%1D
Returns (Since Inception)
8.15%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹742 Cr
Expense Ratio
0.79%
ISIN
INF174K01LZ7
Minimum SIP
₹100
Exit Load
1.00%
Inception Date
01 Jan 2013
About this fund
Kotak Credit Risk Fund Direct Growth is a Credit Risk mutual fund schemes offered by Kotak Mahindra Mutual Fund. This fund has been in existence for 11 years, 11 months and 21 days, having been launched on 01-Jan-13.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹31.34, Assets Under Management (AUM) of 741.81 Crores, and an expense ratio of 0.79%.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹31.34, Assets Under Management (AUM) of 741.81 Crores, and an expense ratio of 0.79%.
- Kotak Credit Risk Fund Direct Growth has given a CAGR return of 8.15% since inception.
- The fund's asset allocation comprises around 2.40% in equities, 90.16% in debts, and 3.67% in cash & cash equivalents.
- You can start investing in Kotak Credit Risk Fund Direct Growth with a SIP of ₹100 or a Lumpsum investment of ₹100.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+7.89%
+7.57% (Cat Avg.)
3 Years
+5.73%
+9.06% (Cat Avg.)
5 Years
+6.29%
+6.60% (Cat Avg.)
10 Years
+7.84%
+6.06% (Cat Avg.)
Since Inception
+8.15%
— (Cat Avg.)
Portfolio Summaryas of 15th December 2024
| Equity | ₹17.77 Cr | 2.40% |
| Debt | ₹668.78 Cr | 90.16% |
| Others | ₹55.25 Cr | 7.45% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹75.5 Cr | 10.18% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹50.36 Cr | 6.79% |
| Nirma Limited | Bond - Corporate Bond | ₹50.2 Cr | 6.77% |
| Tata Projects Ltd. | Bond - Corporate Bond | ₹50.1 Cr | 6.75% |
| Century Textiles And Industries Limited | Bond - Corporate Bond | ₹45.18 Cr | 6.09% |
| Aditya Birla Renewables Limited | Bond - Corporate Bond | ₹40.17 Cr | 5.41% |
| Prestige Projects Private Limited 0.1175% | Bond - Corporate Bond | ₹40.07 Cr | 5.40% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹39.99 Cr | 5.39% |
| VAJRA 008 TRUST | Bond - Asset Backed | ₹34.99 Cr | 4.72% |
| Au Small Finance Bank Limited | Bond - Corporate Bond | ₹30.17 Cr | 4.07% |
| Embassy Office Parks Reit | Bond - Asset Backed | ₹29.13 Cr | 3.93% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹24.99 Cr | 3.37% |
| Bharat Highways Invit | Mutual Fund - Unspecified | ₹24.32 Cr | 3.28% |
| Nirma Limited | Bond - Corporate Bond | ₹20.21 Cr | 2.72% |
| Aadhar Housing Finance Ltd. 0.0865% | Bond - Corporate Bond | ₹20.19 Cr | 2.72% |
| Aadhar Housing Finance Limited | Bond - Corporate Bond | ₹20.01 Cr | 2.70% |
| Tata Projects Limited | Bond - Corporate Bond | ₹18.98 Cr | 2.56% |
| Brookfield India Real Estate Trust | Equity - REIT | ₹17.77 Cr | 2.40% |
| Net Current Assets/(Liabilities) | Cash - Collateral | ₹17.23 Cr | 2.32% |
| Macrotech Developers Limited | Bond - Corporate Bond | ₹16.71 Cr | 2.25% |
| SANSAR JUNE 2024 TRUST | Bond - Asset Backed | ₹15.04 Cr | 2.03% |
| Triparty Repo | Cash - Repurchase Agreement | ₹10 Cr | 1.35% |
| Thdc India Limited | Bond - Corporate Bond | ₹9.96 Cr | 1.34% |
| DHRUVA XXII | Bond - Asset Backed | ₹4.76 Cr | 0.64% |
| SBI ALTERNATIVE INVESTMENT FUND | Mutual Fund - Open End | ₹3.7 Cr | 0.50% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹3.61 Cr | 0.49% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹3.59 Cr | 0.48% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹3.56 Cr | 0.48% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹3.53 Cr | 0.48% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹2.75 Cr | 0.37% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹2.1 Cr | 0.28% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹2.08 Cr | 0.28% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹2.06 Cr | 0.28% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹2.04 Cr | 0.28% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹2.02 Cr | 0.27% |
| Century Textiles And Industried Limited | Bond - Corporate Bond | ₹2 Cr | 0.27% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹1.75 Cr | 0.24% |
| U.P. Power Corporation Limited | Bond - Corporate Bond | ₹1 Cr | 0.14% |
Allocation By Credit Quality (Debt)
AAA
AA
A
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹506.6 Cr | 68.29% |
| Bond - Asset Backed | ₹83.93 Cr | 11.31% |
| Bond - Gov't/Treasury | ₹78.25 Cr | 10.55% |
| Mutual Fund - Unspecified | ₹24.32 Cr | 3.28% |
| Equity - REIT | ₹17.77 Cr | 2.40% |
| Cash - Collateral | ₹17.23 Cr | 2.32% |
| Cash - Repurchase Agreement | ₹10 Cr | 1.35% |
| Mutual Fund - Open End | ₹3.7 Cr | 0.50% |
Risk & Performance Ratios
Standard Deviation
This fund
2.07%
Cat. avg.
6.91%
Lower the better
Sharpe Ratio
This fund
-0.22
Cat. avg.
0.18
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
5.51
Higher the better
Fund Managers
DA
Deepak Agrawal
Since May 2010
Sg
Sunit garg
Since November 2022
Additional Scheme Detailsas of 15th December 2024
ISIN INF174K01LZ7 | Expense Ratio 0.79% | Exit Load 1.00% | Fund Size ₹742 Cr | Age 11 years 11 months | Lumpsum Minimum ₹100 | Fund Status Open Ended Investment Company | Benchmark CRISIL Credit Risk Debt TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Credit Risk Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Bandhan Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹300.19 Cr | 7.3% |
| Bandhan Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 1.0% | ₹300.19 Cr | 8.4% |
| Aditya BSL Credit Risk Fund Regular Growth Moderately High risk | 1.5% | 3.0% | ₹920.60 Cr | 11.8% |
| Aditya BSL Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 3.0% | ₹920.60 Cr | 12.8% |
| Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹170.37 Cr | 8.1% |
| Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹170.37 Cr | 8.9% |
| UTI Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹313.43 Cr | 7.9% |
| Nippon India Credit Risk Fund Regular Growth High Risk | 1.5% | 1.0% | ₹993.03 Cr | 8.2% |
| SBI Credit Risk Fund Regular Growth High Risk | 1.6% | 3.0% | ₹2285.19 Cr | 8.0% |
| DSP Credit Risk Fund Regular Growth Moderately High risk | 1.1% | 1.0% | ₹188.93 Cr | 7.7% |
About the AMC
Kotak Mahindra Mutual Fund
Total AUM
₹5,10,238 Cr
Address
2nd Floor, 12-BKC, Plot No C-12, Mumbai, 400 051
Other Funds by Kotak Mahindra Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
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Still got questions?
We're here to help.
What is the current NAV of Kotak Credit Risk Fund Direct Growth?
The NAV of Kotak Credit Risk Fund Direct Growth, as of 20-Dec-2024, is ₹31.34.
What are the returns of Kotak Credit Risk Fund Direct Growth?
The fund has generated 7.89% over the last 1 year and 5.73% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of Kotak Credit Risk Fund Direct Growth?
The fund's allocation of assets is distributed as 2.40% in equities, 90.16% in bonds, and 3.67% in cash and cash equivalents.
Who manages the Kotak Credit Risk Fund Direct Growth?
The fund managers responsible for Kotak Credit Risk Fund Direct Growth are:-
- Deepak Agrawal
- Sunit garg
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.