Kotak Credit Risk Fund Overview
Category Credit Risk Fund
BMSMONEY Rank 13
Rating
Growth Option 09-05-2025
NAV ₹29.11(R) +0.14% ₹32.7(D) +0.14%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.84% 6.76% 6.24% 6.19% 6.83%
Direct 8.85% 7.78% 7.28% 7.22% 7.94%
Benchmark
SIP (XIRR) Regular 8.3% 5.69% 5.58% 5.8% 6.14%
Direct 9.31% 6.7% 6.6% 6.83% 7.19%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-0.72 -0.22 0.39 -2.68% -0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
2.11% -1.48% -2.9% 0.9 1.8%

NAV Date: 09-05-2025

Scheme Name NAV Rupee Change Percent Change
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option 12.66
0.0200
0.1400%
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option 24.56
0.0400
0.1400%
Kotak Credit Risk Fund - Growth 29.11
0.0400
0.1400%
Kotak Credit Risk Fund - Growth - Direct 32.7
0.0500
0.1400%

Review Date: 09-05-2025

Beginning of Analysis

In the Credit Risk Fund category, Kotak Credit Risk Fund is the 13th ranked fund. The category has total 13 funds. The Kotak Credit Risk Fund has shown a very poor past performence in Credit Risk Fund. The fund has a Jensen Alpha of -2.68% which is lower than the category average of 2.56%, showing poor performance. The fund has a Sharpe Ratio of -0.72 which is lower than the category average of 0.03.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Credit Risk Mutual Funds are designed for investors seeking higher returns by taking on higher credit risk. While they offer the potential for attractive yields, they come with significant risks, including the possibility of default and higher volatility. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, it is crucial to choose funds managed by experienced fund managers with a proven track record in managing credit risk.

Kotak Credit Risk Fund Return Analysis

  • The fund has given a return of 1.18%, 2.91 and 4.6 in last one, three and six months respectively. In the same period the category average return was 1.56%, 4.93% and 6.79% respectively.
  • Kotak Credit Risk Fund has given a return of 8.85% in last one year. In the same period the Credit Risk Fund category average return was 11.93%.
  • The fund has given a return of 7.78% in last three years and ranked 11.0th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 9.05%.
  • The fund has given a return of 7.28% in last five years and ranked 12th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 10.32%.
  • The fund has given a return of 7.94% in last ten years and ranked 8th out of 12 funds in the category. In the same period the category average return was 7.34%.
  • The fund has given a SIP return of 9.31% in last one year whereas category average SIP return is 13.84%. The fund one year return rank in the category is 13th in 14 funds
  • The fund has SIP return of 6.7% in last three years and ranks 10th in 13 funds. Dsp Credit Risk Fund has given the highest SIP return (17.5%) in the category in last three years.
  • The fund has SIP return of 6.6% in last five years whereas category average SIP return is 9.8%.

Kotak Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 2.11 and semi deviation of 1.8. The category average standard deviation is 1.86 and semi deviation is 1.04.
  • The fund has a Value at Risk (VaR) of -1.48 and a maximum drawdown of -2.9. The category average VaR is -0.22 and the maximum drawdown is -0.75. The fund has a beta of 0.9 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Credit Risk Fund Category
  • Good Performance in Credit Risk Fund Category
  • Poor Performance in Credit Risk Fund Category
  • Very Poor Performance in Credit Risk Fund Category

  • Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Kotak Credit Risk Fund NAV Regular Growth Kotak Credit Risk Fund NAV Direct Growth
    09-05-2025 29.111 32.7026
    08-05-2025 29.0697 32.6554
    07-05-2025 29.1242 32.7158
    06-05-2025 29.0761 32.661
    02-05-2025 29.0429 32.6204
    30-04-2025 29.0293 32.6035
    28-04-2025 28.9962 32.5647
    25-04-2025 28.9898 32.555
    24-04-2025 29.0055 32.5718
    23-04-2025 28.9813 32.5439
    22-04-2025 28.9586 32.5175
    21-04-2025 28.9158 32.4687
    17-04-2025 28.8674 32.4111
    16-04-2025 28.8515 32.3924
    15-04-2025 28.8332 32.371
    11-04-2025 28.7975 32.3277
    09-04-2025 28.7928 32.3208

    Fund Launch Date: 12/Apr/2010
    Fund Category: Credit Risk Fund
    Investment Objective: 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.
    Fund Description: An open-ended debt scheme predominantly investing in aa and below rated corporate bonds (excluding AA+ rated corporate bonds)
    Fund Benchmark: Nifty Credit Risk Bond Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.