Kotak Credit Risk Fund Datagrid
Category Credit Risk Fund
BMSMONEY Rank 11
Rating
Growth Option 28-07-2026
NAV ₹31.69(R) +0.01% ₹36.0(D) +0.02%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.61% 7.57% 5.82% 6.13% 6.5%
Direct 7.59% 8.58% 6.83% 7.15% 7.51%
Benchmark
SIP (XIRR) Regular 6.84% 5.4% 6.21% 6.08% 5.8%
Direct 7.83% 6.37% 7.2% 7.09% 6.81%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.13 0.57 0.72 0.78% 0.04
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.56% -0.06% -0.59% 0.53 1.14%
Fund AUM As on: 30/12/2025 720 Cr
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Nippon India Credit Risk Fund 2
ICICI Prudential Credit Risk Fund 3

NAV Date: 28-07-2026

Scheme Name NAV Rupee Change Percent Change
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option 13.78
0.0000
0.0100%
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option 27.04
0.0000
0.0200%
Kotak Credit Risk Fund - Growth 31.69
0.0000
0.0100%
Kotak Credit Risk Fund - Growth - Direct 36.0
0.0100
0.0200%

Review Date: 28-07-2026

Beginning of Analysis

In the Credit Risk Fund category, Kotak Credit Risk Fund is the 10th ranked fund. The category has total 13 funds. The Kotak Credit Risk Fund has shown a poor past performence in Credit Risk Fund. The fund has a Jensen Alpha of 0.78% which is lower than the category average of 2.13%, showing poor performance. The fund has a Sharpe Ratio of 1.13 which is lower than the category average of 1.48.
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 0.74%, 2.38 and 3.94 in last one, three and six months respectively. In the same period the category average return was 0.55%, 2.7% and 4.96% respectively.
  • Kotak Credit Risk Fund has given a return of 7.59% in last one year. In the same period the Credit Risk Fund category average return was 8.78%.
  • The fund has given a return of 8.58% in last three years and ranked 9.0th out of fourteen funds in the category. In the same period the Credit Risk Fund category average return was 9.83%.
  • The fund has given a return of 6.83% in last five years and ranked 12th out of thirteen funds in the category. In the same period the Credit Risk Fund category average return was 10.16%.
  • The fund has given a return of 7.51% in last ten years and ranked 9th out of twelve funds in the category. In the same period the category average return was 7.77%.
  • The fund has given a SIP return of 7.83% in last one year whereas category average SIP return is 9.78%. The fund one year return rank in the category is 10th in 14 funds
  • The fund has SIP return of 6.37% in last three years and ranks 10th in 14 funds. DSP Credit Risk Fund has given the highest SIP return (13.61%) in the category in last three years.
  • The fund has SIP return of 7.2% in last five years whereas category average SIP return is 9.2%.

Kotak Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 1.56 and semi deviation of 1.14. The category average standard deviation is 2.4 and semi deviation is 1.03.
  • The fund has a Value at Risk (VaR) of -0.06 and a maximum drawdown of -0.59. The category average VaR is -0.03 and the maximum drawdown is -0.18. The fund has a beta of 0.6 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

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.67
    0.49
    		0.29 | 0.67 2 | 14 Very Good
    3M Return % 2.15
    2.51
    		1.63 | 6.83 8 | 14 Good
    6M Return % 3.47
    4.56
    		3.25 | 8.52 10 | 14 Average
    1Y Return % 6.61
    7.95
    		4.82 | 17.00 10 | 14 Average
    3Y Return % 7.57
    9.00
    		6.39 | 16.01 11 | 14 Average
    5Y Return % 5.82
    9.32
    		5.46 | 27.34 12 | 13 Average
    7Y Return % 6.13
    8.04
    		1.47 | 22.10 10 | 13 Average
    10Y Return % 6.50
    6.93
    		2.69 | 9.61 9 | 12 Average
    1Y SIP Return % 6.84
    8.94
    		5.75 | 20.00 10 | 14 Average
    3Y SIP Return % 5.40
    7.07
    		4.08 | 12.74 11 | 14 Average
    5Y SIP Return % 6.21
    8.37
    		5.31 | 17.00 12 | 13 Average
    7Y SIP Return % 6.08
    8.68
    		5.44 | 21.76 12 | 13 Average
    10Y SIP Return % 5.80
    7.39
    		3.80 | 14.84 11 | 12 Poor
    Standard Deviation 1.56
    2.41
    		0.86 | 7.39 9 | 14 Average
    Semi Deviation 1.14
    1.03
    		0.55 | 2.68 10 | 14 Average
    Max Drawdown % -0.59
    -0.19
    		-0.88 | 0.00 13 | 14 Poor
    VaR 1 Y % -0.06
    -0.03
    		-0.36 | 0.00 13 | 14 Poor
    Average Drawdown % 0.48
    0.14
    		0.00 | 0.48 1 | 14 Very Good
    Sharpe Ratio 1.13
    1.48
    		0.47 | 2.29 11 | 14 Average
    Sterling Ratio 0.72
    0.89
    		0.63 | 1.48 12 | 14 Average
    Sortino Ratio 0.57
    1.91
    		0.24 | 5.25 13 | 14 Poor
    Jensen Alpha % 0.78
    2.13
    		-0.69 | 8.65 11 | 14 Average
    Treynor Ratio 0.04
    0.75
    		-0.54 | 10.50 10 | 14 Average
    Modigliani Square Measure % 1.52
    1.98
    		0.63 | 3.06 11 | 14 Average
    Alpha % -0.35
    0.68
    		-2.02 | 6.22 9 | 14 Average
    Return data last Updated On : July 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.74 0.55 0.35 | 0.74 1 | 14 Very Good
    3M Return % 2.38 2.70 1.83 | 6.98 7 | 14 Good
    6M Return % 3.94 4.96 3.65 | 8.78 10 | 14 Average
    1Y Return % 7.59 8.78 5.88 | 17.52 9 | 14 Average
    3Y Return % 8.58 9.83 7.45 | 16.91 9 | 14 Average
    5Y Return % 6.83 10.16 6.50 | 27.76 12 | 13 Average
    7Y Return % 7.15 8.87 2.24 | 22.49 10 | 13 Average
    10Y Return % 7.51 7.77 3.57 | 9.90 9 | 12 Average
    1Y SIP Return % 7.83 9.78 6.82 | 20.57 10 | 14 Average
    3Y SIP Return % 6.37 7.88 5.12 | 13.61 10 | 14 Average
    5Y SIP Return % 7.20 9.20 6.36 | 17.45 10 | 13 Average
    7Y SIP Return % 7.09 9.51 6.48 | 22.19 12 | 13 Average
    10Y SIP Return % 6.81 8.19 4.55 | 15.18 10 | 12 Poor
    Standard Deviation 1.56 2.41 0.86 | 7.39 9 | 14 Average
    Semi Deviation 1.14 1.03 0.55 | 2.68 10 | 14 Average
    Max Drawdown % -0.59 -0.19 -0.88 | 0.00 13 | 14 Poor
    VaR 1 Y % -0.06 -0.03 -0.36 | 0.00 13 | 14 Poor
    Average Drawdown % 0.48 0.14 0.00 | 0.48 1 | 14 Very Good
    Sharpe Ratio 1.13 1.48 0.47 | 2.29 11 | 14 Average
    Sterling Ratio 0.72 0.89 0.63 | 1.48 12 | 14 Average
    Sortino Ratio 0.57 1.91 0.24 | 5.25 13 | 14 Poor
    Jensen Alpha % 0.78 2.13 -0.69 | 8.65 11 | 14 Average
    Treynor Ratio 0.04 0.75 -0.54 | 10.50 10 | 14 Average
    Modigliani Square Measure % 1.52 1.98 0.63 | 3.06 11 | 14 Average
    Alpha % -0.35 0.68 -2.02 | 6.22 9 | 14 Average
    Return data last Updated On : July 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

    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
    28-07-2026 31.6914 36.0023
    27-07-2026 31.6869 35.9963
    24-07-2026 31.6451 35.9461
    23-07-2026 31.6526 35.9538
    22-07-2026 31.6667 35.9688
    21-07-2026 31.6811 35.9842
    20-07-2026 31.6779 35.9797
    17-07-2026 31.6815 35.9811
    16-07-2026 31.6598 35.9555
    15-07-2026 31.6184 35.9076
    14-07-2026 31.5975 35.883
    13-07-2026 31.6367 35.9265
    10-07-2026 31.664 35.9548
    09-07-2026 31.6164 35.8998
    08-07-2026 31.6115 35.8933
    07-07-2026 31.6666 35.9549
    06-07-2026 31.6739 35.9623
    03-07-2026 31.6478 35.9299
    02-07-2026 31.6323 35.9115
    01-07-2026 31.5837 35.8553
    30-06-2026 31.548 35.8139
    29-06-2026 31.4817 35.7378

    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.