Sharpe ratio
1.64Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+7.07%1Y Absolute Return
-0.03%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| ICICI Prudential Credit Risk Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,88,660 | ₹7,32,612 | ₹1,56,048 | +7.96% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age13.9 yrs
Fund information
Scheme code120711
ISININF109K01V00
BenchmarkCRISIL Credit Risk Debt B-II Index
CategoryDebt Scheme - Credit Risk Fund
Expense ratio0.77%
Exit loadExit load of 1% if units in excess of 10% are redeemed or switched-out within 1 year
Minimum SIP₹100 SIP
Return comparison
15th / 86 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +9.23% | — | — |
| 3M | +2.82% | — | — |
| 6M | +8.51% | — | — |
| 1Y | +7.07% | — | +4.07% |
| 3Y | +8.91% | — | +5.67% |
| 5Y | +7.96% | — | +5.54% |
| 10Y | +8.33% | — | — |
| Since Launch | +8.87% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
2.77Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
1.39%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
3.02How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt87.82%
Real Estate9.46%
Cash2.72%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 102 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC | Materials | Debenture | 3.9681% |
| Embassy Office Parks REIT | Real Estate | Real Estate Investment Trusts | 3.7762% |
| VEDANTA LIMITED SR 1 9.40 NCD 20FB27 FVRS1LAC | Materials | Debenture | 3.2354% |
| ADANI ENTERPRISES LIMITED 8.70 NCD 24MR28 FVRS1LAC | Materials | Non Convertible Debenture | 3.2301% |
| KEYSTONE REALTORS LIMITED 9.5 NCD 29SP28 FVRS1LAC | Real Estate | Debenture | 3.2016% |
| TRUHOME FINANCE LIMITED SR 41 RR NCD 25JU29 FVRS1LAC | Financial | Non Convertible Debenture | 3.1974% |
| BAMBOO HOTEL AND GLOBAL CENTRE (DELHI) PRIVATE LIMITED SR I 10.81 NCD 31JN28 FVRS1LAC | Consumer Discretionary | Debenture | 2.9941% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 2.8643% |
| ADANI POWER LIMITED SR I 8 NCD 27JN28 FVRS1LAC | Energy & Utilities | Debenture | 2.8181% |
| NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC | Consumer Staples | Debenture | 2.424% |
Fund management
AK
Akhil Kakkar
Since 2024 · Prior to Joining ICICI Prudential Mutual Fund he has worked with Kotak Mahindra Bank in Debt Capital Markets, SBI Capital Markets in Project Advisory & Structured Finance and Goldman Sachs Services Pvt Ltd as Analyst Developer.
Mr. Kakkar is B.Tech (IIT Roorkee) and PGDM (Finance)
MA
Manish Banthia
Since 2016 · He is associated with ICICI Prudential Asset Management Company since Oct 2005, ICICI Prudential AMC - Fixed Income Investments - Aug 2007 to Oct 2009, ICICI Prudential AMC - New Product Development - Oct 2005 to Jul 2007, Aditya Birla Nuvo Ltd. - From May 2005 to Oct 2005, Aditya Birla Management Corporation Ltd. - From May 2004 to May 2005.
Mr. Banthia is B.Com, CA and MBA
Compare similar funds
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Summary
A high-risk debt scheme - credit risk fund. Losses and swings stayed contained — worst fall -2.9%, volatility 1.4%.
Strengths
- Losses and swings stayed contained — worst fall -2.9%, volatility 1.4%.
- Recovered from its worst fall in 1 months.
- Same fund manager for 10+ years — the strategy has not chopped and changed.
- Ranks 15 of 86 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its high risk level.
Risk drivers
- None