What is the NAV of Kotak Credit Risk Fund?

₹36.21 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.

What is the expense ratio of Kotak Credit Risk Fund?

0.8% a year for the Direct plan, as of 30 Jun 2026.

How large is Kotak Credit Risk Fund?

₹770 crore under management as of 31 Jul 2026, in the Credit Risk Fund category.

How risky is Kotak Credit Risk Fund?

Its SEBI Riskometer reading is "High Risk". Lending to companies and banks for extra yield over government paper.

What are the 5-year returns of Kotak Credit Risk Fund?

6.81% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.

What is the worst 3-year return of Kotak Credit Risk Fund?

5.7% a year — the weakest of 25 overlapping 3-year holding periods, beginning 1 Oct 2021. The median was 8.1% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.

Who manages Kotak Credit Risk Fund?

Deepak Agrawal, managing this fund for 16.2 years.

Kotak Credit Risk Fund

Kotak Mahindra Mutual FundDirectOpen-endedCredit Risk FundRiskometer: High Risk

NAV

₹36.21

as of 21 Aug 2026

Kotak Credit Risk Fund is an open-ended Credit Risk Fund scheme from Kotak Mahindra Mutual Fund managing ₹770 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹36.21 as of 21 Aug 2026. The expense ratio is 0.8% a year. Managed by Deepak Agrawal. This page is factual data only — it carries no rating and no recommendation.

Key facts

Expense ratio: 0.8% / yr; as of 30 Jun 2026
Fund size: ₹770 crore; as of 31 Jul 2026
Exit load: 1%
SIP available: Yes
Launched: 11 May 2010
ISIN: INF174K01LZ7

₹100 invested, fund vs category

The category line is the average of the funds in this category, built from NYVO’s own NAV data.

Rebased to 100data to 20 Aug 2026

Aug 2021Aug 2026

Kotak Credit Risk Fund

₹139

+39% on ₹100 over 5.0 yrs

Credit Risk Fund average

₹151

+51% on ₹100 over 5.0 yrs

Returns vs category

Window	Fund	Category avg	Gap
3 months	3.09%	–	–
6 months	3.48%	–	–
1 year	7.98%	–	–
3 years (CAGR)	8.70%	–	–
5 years (CAGR)	6.81%	–	–

No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.

Risk, measured

Sharpe ratio (3Y): 1.29
Sharpe ratio (5Y): 0.46
Sortino ratio (3Y): 2.40 vs category 4.44
Standard deviation (3Y): 1.56%
Deepest fall (5Y): -2.62%

Where the money actually is

Equity

9.9%

Bonds

84.7%

Cash

4.8%

Other

0.6%

Whole-portfolio split, as of 31 Jul 2026. The size split below covers only the equity slice of this.

What it owns

43 positions · top 10 = 55.6%

Holdings by sector

Real Estate4.9%
Financial Services(1 in top 10)4.7%
- Indus Infra Trust Unit4.67%
Industrials0.4%

Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 71.2% a year.

Other top holdings

Jubilant Bevco Limitedmatures 31 May 20287.22%
Vedanta Limitedmatures 20 Aug 20276.56%
Bamboo Hotel And Global Centre (Delhi) Private Limitedmatures 31 Jan 20286.52%
TATA Projects Limitedmatures 28 Apr 20276.50%
Muthoot Finance Limitedmatures 26 Jul 20296.50%
Karnataka State Development Loansmatures 4 Feb 20355.89%
Aditya Birla Real Estate Limitedmatures 30 Aug 20295.87%
Aditya Birla Renewables Limitedmatures 24 Sep 20275.21%
Au Small Finance Bank Limitedmatures 3 Aug 20323.91%

The debt it holds

Yield to maturity: 8.36% vs category 7.92%
Modified duration: 1.78 yrs vs category 2.02 yrs
Average maturity: 2.70 yrs vs category 2.71 yrs
Average coupon: 7.98%
Government securities: 12.5%

Credit quality

AAA: 23.2%
AA: 66.7%
A: 10.2%

Government securities are counted inside AAA by the data provider’s ladder; the sovereign share is listed separately above. Credit quality as of 30 Jun 2026.

Portfolio characteristics as of 31 Jul 2026. Yield to maturity is what the portfolio would return if every holding were held to maturity and paid in full. It is not a forecast of the fund’s return, and it is quoted before expenses.

Money in, money out

Net flow, 12 months: +₹28 cr
Net flow, 3 months: −₹8 cr

as of 31 Jul 2026. Flows follow performance more than they predict it.

Quick answers

What is the NAV of Kotak Credit Risk Fund?: ₹36.21 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
What is the expense ratio of Kotak Credit Risk Fund?: 0.8% a year for the Direct plan, as of 30 Jun 2026.
How large is Kotak Credit Risk Fund?: ₹770 crore under management as of 31 Jul 2026, in the Credit Risk Fund category.
How risky is Kotak Credit Risk Fund?: Its SEBI Riskometer reading is "High Risk". Lending to companies and banks for extra yield over government paper.
What are the 5-year returns of Kotak Credit Risk Fund?: 6.81% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.
What is the worst 3-year return of Kotak Credit Risk Fund?: 5.7% a year — the weakest of 25 overlapping 3-year holding periods, beginning 1 Oct 2021. The median was 8.1% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
Who manages Kotak Credit Risk Fund?: Deepak Agrawal, managing this fund for 16.2 years.

Where this fund sits

Its shelf, all funds

Cb · Corporate & credit →

Lending to companies and banks for extra yield over government paper.

The money map

How big this shelf is in India →

The whole industry sized by real money, from AMFI’s monthly data.

Side by side

Compare this fund →

Put it next to any other fund — growth, returns, risk and cost in one table.

One bet or two?

Check its overlap →

See whether it owns the same stocks as your other funds.

Other Credit Risk Fund funds

Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.