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Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 2/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 56/100 · Average
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)8.58%
- Expense ratio (20%)0.8128%
- AUM (15%)₹773 Cr
Not investment advice — an analytical read of public fund data. Methodology →
Kotak Mahindra Mutual Fund · Debt · Credit Risk
₹36.33
AUM: ₹773 Cr
NAV updated 2 days ago
Plan
Direct
Option
Growth
Risk
Moderate to High
Expense Ratio
0.8128%
Exit Load
Exit load for units in excess of 6% of the investment,1% will be charged for redemption within 365 days
Fund Manager
Deepak Agrawal
Inception
Jan 2013
Benchmark
CRISIL Credit Risk Debt B-II Index
Sharpe Ratio
0.61
Std Dev (1Y)
1.4%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.23%
3m
+1.82%
6m
+3.99%
1y
+7.36%
3y
+8.58%
5y
+6.72%
10y
+7.39%
since inception
+8.2%
TopFund's Take on Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option sits in the middle of the pack for Credit Risk funds, currently carrying a 2-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 56/100.
Cost: At 0.8128%, the expense ratio runs 20% above the Credit Risk category average of 0.68%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a moderate Sharpe ratio of 0.61 — decent risk-adjusted performance, without being exceptional. Separately, annualised volatility of 1.4% is on the lower side for a Credit Risk fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Debt fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option
The current NAV (Net Asset Value) of Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option is ₹36.33. NAV is updated every business day after market close by AMFI.
1Y: 7.36% · 3Y CAGR: 8.58% · 5Y CAGR: 6.72%
The expense ratio of Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option is 0.8128% per annum. This is the annual fee charged by the fund to manage your investment.
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option is managed by Deepak Agrawal at Kotak Mahindra Mutual Fund.
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option is classified as a Moderate to High risk fund. It is suitable for investors with a moderate risk appetite.
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option is a Credit Risk fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option is ₹773 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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