Sharpe ratio
0.31Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+7.24%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 |
|---|---|---|---|---|
| Nippon India Credit Risk Fund - Direct Plan - Growth PlanFund 5Y annualised return | ₹8,86,442 | ₹7,32,612 | ₹1,53,830 | +7.86% |
| 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 code118780
ISININF204K01A74
BenchmarkCRISIL Credit Risk Debt B-II Index
CategoryDebt Scheme - Credit Risk Fund
Expense ratio0.61%
Exit loadExit Load for units in excess of 25% of the investment,1% will be charged for redemption within 12 months.
Minimum SIP₹100 SIP
Return comparison
13th / 86 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +8.82% | — | — |
| 3M | +4.57% | — | — |
| 6M | +8.31% | — | — |
| 1Y | +7.24% | — | +4.07% |
| 3Y | +8.81% | — | +5.67% |
| 5Y | +7.86% | — | +5.54% |
| 10Y | +6.48% | — | — |
| Since Launch | +7.58% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.35Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.08%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
0.55How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
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%
Debt94.66%
Cash5.34%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 61 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 34587 GOI 18JU31 7.02 FV RS 100 | Entities | GOI Securities | 5.16% |
| Repo | Unspecified | Repo | 4.17% |
| TRIUMPH COMPOSITES PRIVATE LIMITED 10.50 NCD 27AP31 FVRS1LAC | Materials | Debenture | 4.04% |
| CENTURY TEXTILES AND INDUSTRIES LIMITED 8.55 NCD 30AG29 FVRS1LAC | Materials | Non Convertible Debenture | 3.74% |
| DELHI INTERNATIONAL AIRPORT LIMITED RR NCD 22AG30 FVRS1LAC | Industrials | Non Convertible Debenture | 3.47% |
| MINDSPACE BUSINESS PARKS REIT SR NCD17 7.1652 NCD 05MR29 FVRS1LAC | Real Estate | Non Convertible Debenture | 3.35% |
| HDFC Bank Limited (15/02/2027) ** # | Financial | Certificate of Deposit | 3.23% |
| Union Bank of India CD | Financial | Certificate of Deposit | 3.21% |
| MUTHOOT FINCORP LIMITED 10.40 NCD 30DC33 FVRS10000 | Financial | Non Convertible Debenture | 3.05% |
| SHRIRAM HOUSING FINANCE LIMITED SR 35 9.25 NCD 04OT27 FVRS1LAC | Financial | Non Convertible Debenture | 2.73% |
Fund management
AM
Amber Singhania
Since 2026 · Prior to joining the Nippon India AMC, he was associated with Asian Markets Securities Pvt. Ltd.
MMS Finance (Mumbai University)
KI
Kinjal Desai
Since 2026 · She has been working with Nippon India Mutual Fund since year, 2012
Ms. Desai has done B.A (Economics), MSc. (Economics) and has cleared CFA Level 1
SU
Sushil Budhia
Since 2020 · Prior to joining Nippon India Mutual Fund, he has worked with YES Bank as Senior President, Axis Bank and UTI Mutual Fund.
Mr. Budhia has done CA
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk debt scheme - credit risk fund. Same fund manager for 7+ years — the strategy has not chopped and changed. Has fallen sharply before — down -13.8% at its worst.
Strengths
- Same fund manager for 7+ years — the strategy has not chopped and changed.
- Ranks 13 of 86 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -13.8% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderately high risk level.
Risk drivers
- None