Sharpe ratio
0.94Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+6.36%1Y Absolute Return
+0.02%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 |
|---|---|---|---|---|
| Kotak Credit Risk Fund - Growth - DirectFund 5Y annualised return | ₹8,61,233 | ₹7,32,612 | ₹1,28,621 | +6.70% |
| 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₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.9 yrs
Fund information
Scheme code119741
ISININF174K01LZ7
BenchmarkCRISIL Credit Risk Debt B-II Index
CategoryDebt Scheme - Credit Risk Fund
Expense ratio0.80%
Exit loadExit load for units in excess of 6% of the investment,1% will be charged for redemption within 365 days
Minimum SIP₹100 SIP
Return comparison
28th / 86 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +9.41% | — | — |
| 3M | +2.65% | — | — |
| 6M | +8.06% | — | — |
| 1Y | +6.36% | — | +4.07% |
| 3Y | +8.38% | — | +5.67% |
| 5Y | +6.70% | — | +5.54% |
| 10Y | +7.27% | — | — |
| Since Launch | +8.18% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.37Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.48%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
2.12How 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%
Debt87.23%
Real Estate9.79%
Cash2.98%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 43 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC | Consumer Staples | Debenture | 7.23% |
| VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC | Materials | Debenture | 6.58% |
| MUTHOOT FINANCE LIMITED RR NCD 26JL29 FVRS1LAC | Financial | Debenture | 6.57% |
| BAMBOO HOTEL AND GLOBAL CENTRE (DELHI) PRIVATE LIMITED SR I 10.81 NCD 31JN28 FVRS1LAC | Consumer Discretionary | Debenture | 6.55% |
| TATA PROJECTS LIMITED SR Q 8.25 NCD 28AP27 FVRS1LAC | Industrials | Bonds/NCDs | 6.53% |
| CENTURY TEXTILES AND INDUSTRIES LIMITED 8.55 NCD 30AG29 FVRS1LAC | Materials | Non Convertible Debenture | 5.92% |
| STATE DEVELOPMENT LOAN 37028 KAR 04FB35 7.49 FV RS 100 | Unspecified | State Development Loan | 5.89% |
| ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC | Energy & Utilities | Bonds/NCDs | 5.22% |
| Bharat Highways InvIT | Industrials | Infrastructure Investment Trust | 4.47% |
| AU SMALL FINANCE BANK LIMITED SR I 9.3 LOA 03AG32 FVRS1CR | Financial | Non Convertible Debenture | 3.92% |
Fund management
DE
Deepak Agrawal
Since 2012 · He has been associated with Kotak AMC since 2002.
Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA.
VI
Vihag Mishra
Since 2025 · Prior to joining Kotak AMC, he was working as a senior credit analyst at French Bank, BNP Paribas.
Rank Holder MBA in Finance from XLRI
Compare similar funds
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Summary
A high-risk debt scheme - credit risk fund. Recovered from its worst fall in 2 months. Ranks 28 of 86 in its category over 1 year.
Strengths
- Recovered from its worst fall in 2 months.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its high risk level.
Risk drivers
- None