Kotak Credit Risk Fund - Direct (IDCW-Standard)

Credit Risk Fund

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NAV
27.10(0.09%)
Fund Size (CR)
₹767.9
Expense Ratio
0.8
Scheme Type
Active Fund
Value Research
-

Min. investment
₹100
Minimum Additional Investment
₹100
Minimum SIP Investment
₹100
Minimum Withdrawal
₹1,000
Exit Load
0%
Return Since Launch
6.92%

Absolute Return: 2.50%

Annualized Return: 0%

Basic Details

Scheme Manager

Deepak Agrawal

Bench Mark

CRISIL Credit Risk Debt B-II Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	July 24, 2026	10026.22	0.26%	-	0.25%	44/92
1 Month	June 30, 2026	10063.27	0.63%	-	0.51%	10/92
3 Month	April 30, 2026	10251.42	2.51%	-	2.60%	44/92
6 Month	January 30, 2026	10382.43	3.82%	-	5.19%	56/92
1 Year	July 31, 2025	10773.11	7.73%	7.73%	8.40%	41/92
3 Year	July 31, 2023	12803.86	28.04%	8.58%	9.65%	39/92
5 Year	July 30, 2021	13914.20	39.14%	6.82%	8.95%	75/92
Since Inception	January 1, 2013	24825.11	148.25%	6.92%	7.18%	66/92

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	September 1, 2025	1,20,000	124335.43	3.61%	3.61%
3 Year	September 1, 2023	3,60,000	406587.05	12.94%	4.14%
5 Year	September 1, 2021	6,00,000	728992.61	21.50%	3.97%
10 Year	September 1, 2016	12,00,000	1743959.04	45.33%	3.81%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Risk Ratios

0.45%

Standard Deviation

0.04%

Beta

1.87%

Sharpe Ratio

0.40%

Treynor's Ratio

2.89%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
There's no data available of Stock Holdings

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Kotak Credit Risk Fund - Direct (IDCW-Standard)	767.90	0.63%	2.51%	3.82%	7.73%	8.58%
Aditya Birla SL Credit Risk Fund - Dir (IDCW)	1461.39	0.54%	2.89%	61.89%	73.61%	30.59%
Bank of India Credit Risk Fund - Direct	86.74	0.47%	1.62%	8.82%	17.55%	10.03%
Aditya Birla SL Credit Risk Fund - Dir (G)	1461.39	0.54%	2.89%	5.21%	12.83%	13.16%
Aditya Birla SL Credit Risk Fund - Dir (Bonus)	1461.39	0.54%	2.89%	5.21%	12.82%	13.16%
DSP Credit Risk Fund - Direct (IDCW-D)	275.31	0.42%	3.05%	8.49%	12.48%	17.44%

List of Schemes under Kotak Mahindra Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Kotak Nifty 100 Low Volatility 30 Index Fund	Other	Very High	6.17%	0	₹113.07
Kotak Nifty Midcap 150 Index Fund	Other	Very High	11.17%	0	₹39.20
Kotak Midcap Fund	Equity	Very High	10.72%	4	₹67,611.00
Kotak Pioneer Fund	Equity	Very High	11.37%	0	₹3,873.02
Kotak Healthcare Fund	Equity	Very High	24.09%	0	₹678.41
Kotak Low Duration Fund - Standard Plan	Debt	Moderate	6.41%	2	₹12,082.77
Kotak Services Fund	Equity	Very High	0%	0	₹749.06
Kotak Nifty 200 Quality 30 Index Fund	Other	Very High	5.8%	0	₹16.58
Kotak Gold Fund	Other	High	43.4%	2	₹6,422.39
Kotak MNC Fund	Equity	Very High	24.95%	0	₹2,180.06
Kotak NIFTY Midcap 50 Index Fund	Other	Very High	14.81%	0	₹77.96
Kotak Nifty AAA Bond Financial Services Mar 2028 Index Fund	Other	Moderate	5.81%	0	₹219.02
Kotak Aggressive Hybrid	Hybrid	Very High	8.26%	4	₹8,961.68
Kotak Nifty Top 10 Equal Weight Index Fund	Other	Very High	-4.98%	0	₹40.65
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund	Other	Moderately Low	6.71%	0	₹318.61
Kotak Nifty Alpha 50 Index Fund	Other	Very High	0%	0	₹38.31
Kotak Savings Fund	Debt	Moderate	6.47%	2	₹15,707.88
Kotak CRISIL-IBX AAA Financial Services Index-Sep 2027 Fund	Other	Moderate	6.1%	0	₹480.60
Kotak Consumption Fund	Equity	Very High	7.59%	0	₹1,711.26
Kotak Quality Overseas Equity Omni FOF	Other	Very High	0%	0	₹379.34
Kotak Nifty SDL Apr 2027 Top 12 Equal Weight Index Fund	Other	Moderate	5.99%	0	₹6,653.49
Kotak Energy Opportunities Fund	Equity	Very High	8.4%	0	₹273.46
Kotak Arbitrage Fund	Hybrid	Low	7.04%	4	₹72,409.42
Kotak US Specific Equity Passive FOF	Other	Very High	34.41%	0	₹4,587.71
Kotak Banking & Financial Services Fund	Equity	Very High	11.67%	0	₹1,486.94
Kotak Quant Fund	Equity	Very High	6.89%	0	₹497.89
Kotak Bond Fund	Debt	Moderately Low	4.65%	3	₹1,795.04
Kotak BSE Sensex Index Fund	Other	Very High	-1.63%	0	₹22.86
Kotak ESG Exclusionary Strategy Fund	Equity	Very High	4.61%	0	₹746.02
Kotak Money Market Scheme	Debt	Moderate	6.44%	3	₹30,296.53
Kotak Large & Midcap Fund	Equity	Very High	8.33%	3	₹31,262.73
Kotak Technology Fund	Equity	Very High	-4.78%	0	₹505.35
Kotak Multi Asset Allocation Fund - Reg	Hybrid	Very High	22.54%	0	₹14,308.51
Kotak Long Duration Fund	Debt	Moderate	1.41%	0	₹61.18
Kotak Overnight Fund	Debt	Low	5.34%	4	₹8,817.59
Kotak Nifty Smallcap 50 Index Fund	Other	Very High	14.58%	0	₹220.34
Kotak Nifty SDL Apr 2032 Top 12 Equal Weight Index Fund	Other	Moderate	4.69%	0	₹3,250.69
Kotak Floating Rate Fund	Debt	Moderate	6.21%	4	₹3,438.29
Kotak Bond - Short Term Fund	Debt	Moderate	5.51%	3	₹14,291.67
Kotak Nifty G-Sec July 2033 Index Fund	Other	Moderate	5%	0	₹21.55
Kotak Nifty SmallCap 250 Index Fund	Other	Very High	7.92%	0	₹61.66
Kotak Small Cap Fund	Equity	Very High	6.12%	2	₹18,690.79
Kotak Banking and PSU Debt Fund	Debt	Moderate	5.7%	3	₹4,991.20
Kotak Nifty 100 Equal Weight Index Fund	Other	Very High	12.35%	0	₹44.25
Kotak Large Cap Fund	Equity	Very High	4.38%	4	₹10,772.29
Kotak Nifty 50 Equal Weight Index Fund	Other	Very High	11.34%	0	₹60.97
Kotak Dynamic Bond Fund	Debt	Moderate	5.74%	3	₹2,366.30
Kotak Transportation & Logistics Fund	Equity	Very High	14.14%	0	₹510.32
Kotak Gilt-Invest Plan	Debt	Moderately Low	2.23%	2	₹2,207.04
Kotak Gilt-Invest Plan	Debt	Moderately Low	2.23%	2	₹2,207.04
Kotak Nifty 200 Momentum 30 Index Fund	Other	Very High	3.25%	0	₹575.29
Kotak Corporate Bond Fund	Debt	Moderately Low	5.38%	4	₹15,170.62
Kotak BSE Housing Index Fund	Other	Very High	-0.62%	0	₹12.89
Kotak Equity Savings Fund	Hybrid	Moderately High	8.13%	4	₹10,223.48
Kotak Nifty Commodities Index Fund	Other	Very High	16.57%	0	₹289.61
Kotak Global Emerging Market Overseas Equity Omni FOF	Other	Very High	49.92%	0	₹1,766.73
Kotak Credit Risk Fund	Debt	High	7.83%	1	₹770.02
Kotak Nifty India Tourism Index Fund	Other	Very High	-10.69%	0	₹39.30
Kotak International REIT Overseas Equity Omni FOF	Other	Very High	15.81%	0	₹103.89
Kotak Nifty SDL Jul 2033 Index Fund	Other	Moderate	4.71%	0	₹183.83
Kotak Income Plus Arbitrage Omni FOF	Other	Moderately High	6.07%	0	₹7,902.09
Kotak Nifty 50 Index Fund	Other	Very High	1.95%	3	₹1,143.47
Kotak Multi Factor Passive FOF	Other	Very High	0%	0	₹83.68
Kotak Focused Fund	Equity	Very High	13.97%	4	₹4,298.80
Kotak Contra Fund	Equity	Very High	7.22%	3	₹5,331.37
Kotak Business Cycle Fund	Equity	Very High	10.28%	0	₹3,302.30
Kotak Active Momentum Fund	Equity	Very High	0%	0	₹1,488.38
Kotak Flexi Cap Fund	Equity	Very High	5.11%	3	₹55,850.29
Kotak ELSS Tax Saver Fund	Equity	Very High	5.64%	3	₹6,196.82
Kotak Special Opportunites Fund	Equity	Very High	19.71%	0	₹1,461.10
Kotak Dividend Yield Fund	Equity	Very High	0%	0	₹235.47
Kotak NIFTY Midcap 150 Momentum 50 Index Fund	Other	Very High	4.82%	0	₹432.08
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund	Other	Moderately Low	0%	0	₹903.79
Kotak Balanced Advantage Fund	Hybrid	Very High	6.09%	3	₹17,371.73
Kotak Debt Hybrid	Hybrid	Moderately High	4.37%	4	₹2,874.49
Kotak Multicap Fund	Equity	Very High	12.11%	4	₹28,074.19
Kotak Nifty500 Momentum 50 Index Fund	Other	Very High	0%	0	₹24.30
Kotak Rural Opportunities Fund	Equity	Very High	0%	0	₹780.40
Kotak Nifty SDL Plus AAA PSU Bond Jul 2028 60:40 Index Fund	Other	Moderate	5.29%	0	₹508.92
Kotak Multi Asset Omni FOF	Other	Very High	11.66%	3	₹2,522.15
Kotak Multi Asset Active FOF	Other	Very High	0%	0	₹76.09
Kotak Infrastructure & Economic Reform-SP	Equity	Very High	10.47%	3	₹2,446.83
Kotak Liquid	Debt	Moderate	6.41%	3	₹51,309.35
Kotak Nifty Alpha Low-Volatility 30 Index Fund	Other	Very High	0%	0	₹6.18
Kotak Nifty200 Value 30 Index Fund	Other	Very High	0%	0	₹30.84
Kotak Gold Silver Passive FOF	Other	Very High	0%	0	₹1,011.58
Kotak Global Innovation Overseas Equity Omni FOF	Other	Very High	28.08%	0	₹832.20
Kotak CRISIL-IBX AAA Bond Financial Services Index-Dec 2026 Fund	Other	Moderate	6.41%	0	₹108.17
Kotak Nifty Next 50 Index Fund	Other	Very High	13.53%	2	₹1,205.62
Kotak Manufacture in India Fund	Equity	Very High	21.3%	0	₹2,803.90
Kotak Medium Term Fund	Debt	Moderate	7.63%	3	₹1,915.30
Kotak Silver ETF Fund of Fund	Other	Very High	94.78%	0	₹922.93
Kotak BSE PSU Index Fund	Other	Very High	12.33%	0	₹83.84
Kotak Nifty Financial Services Ex-Bank Index Fund	Other	Very High	15.6%	0	₹100.10

News

Kotak Arbitrage Fund announces Income Distribution cum capital withdrawal (IDCW)
Kotak Mahindra Mutual Fund has announced 24 July 2026 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under the monthly IDCW option of Kotak Arbitrage Fund. The amount of IDCW on the face value of Rs 10 per unit will be:
Regular Plan ' Monthly IDCW Option: Rs 0.0462
Direct Plan ' Monthly IDCW Option: Rs 0.0535
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Change in the Re-opening date of the New Fund Offer (NFO) of Kotak Nifty Private Bank ETF
Kotak Mahindra Mutual Fund has Announced Change in the Re-opening date of the New Fund Offer (NFO) of Kotak Nifty Private Bank ETF

Name of the Scheme Existing Re-opening date on or before Revised Re-opening date on or before

Kotak Nifty Private Bank ETF July 24, 2026 July 22, 2026

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Name of the Scheme	Existing Re-opening date on or before	Revised Re-opening date on or before
Kotak Nifty Private Bank ETF	July 24, 2026	July 22, 2026

Kotak Mahindra Mutual Fund announces change in benchmark under its scheme
Kotak Mahindra Mutual Fund has announced a change in the benchmark of the Kotak FMP Series 304, with effect from July 16, 2026.
Change of Benchmark of Kotak FMP Series 304

Scheme Name Existing Benchmark Revised Benchmark

Kotak FMP Series 304 NIFTY Long Duration Debt Index Nifty G-Sec July 2031 Index

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Scheme Name	Existing Benchmark	Revised Benchmark
Kotak FMP Series 304	NIFTY Long Duration Debt Index	Nifty G-Sec July 2031 Index

Fund House Details & Investment Objective

Date of Incorporation

January 1, 2013

Total AUM (Cr)

₹770.38

Kotak Credit Risk Fund - Direct (IDCW-Standard) is an Credit Risk Fund-oriented fund from the renowned AMC, Kotak Mahindra Mutual Fund. Launched in January 1, 2013, this fund is managed by Deepak Agrawal. With assets under management (AUM) worth ₹770.38 (Cr), as of August 3, 2026, Kotak Credit Risk Fund - Direct (IDCW-Standard) is categorized as a Credit Risk Fund within its segment. The fund has generated a return of 6.92% since its launch.
The current NAV of Kotak Credit Risk Fund - Direct (IDCW-Standard) is ₹27.1, as on August 3, 2026. The fund's benchmark index is CRISIL Credit Risk Debt B-II Index. You can invest in Kotak Credit Risk Fund - Direct (IDCW-Standard) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹100.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 8.58% and 6.82% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 9.94% in Equity, 86.79% in Debt and 3.27% in cash and cash equivalents.

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