Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1
NAV
₹42.15
as of 21 Aug 2026
Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1 is an open-ended Credit Risk Fund scheme from Nippon India Mutual Fund managing ₹1,556 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹42.15 as of 21 Aug 2026. The expense ratio is 0.5% a year. Managed by Kinjal Desai. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.5% / yr
- as of 30 Jun 2026
- Fund size
- ₹1,556 crore
- as of 31 Jul 2026
- Exit load
- 1%
- SIP available
- Yes
- Launched
- 8 Jun 2005
- ISIN
- INF204K01A74
₹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
Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1
₹146
+46% 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 | 2.86% | – | – |
| 6 months | 3.88% | – | – |
| 1 year | 7.93% | – | – |
| 3 years (CAGR) | 8.98% | – | – |
| 5 years (CAGR) | 7.92% | – | – |
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.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- 4.2%
- Median
- 8.6%
- Best
- 10.6%
49 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Oct 2021. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 7.1%
- Median
- 8.9%
- Best
- 9.4%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Sept 2021. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 2.32
- Sharpe ratio (5Y)
- 1.77
- Sortino ratio (3Y)
- 7.62 vs category 4.44
- Standard deviation (3Y)
- 1.02%
- Deepest fall (5Y)
- -0.59%
Where the money actually is
Bonds
94.5%
Cash
5.2%
Other
0.3%
Whole-portfolio split, as of 31 Jul 2026.
What it owns
65 positions · top 10 = 33.1%
Top holdings
- 7.02% Govt Stock 2031matures 18 Jun 20314.94%
- Triumph Composites Pvt Ltd. 10.5%3.86%
- Aditya Birla Real Estate Limitedmatures 30 Aug 20293.55%
- Delhi International Airport Limitedmatures 22 Aug 20303.29%
- Mindspace Business Parks Reitmatures 5 Mar 20293.19%
- National Bank For Agriculture And Rural Developmentmatures 12 Oct 20283.16%
- HDFC Bank Ltd.3.10%
- Muthoot Fincorp Limitedmatures 30 Dec 20332.89%
- Triparty Repo2.65%
- TRuhome Finance Limitedmatures 4 Oct 20272.60%
Holdings as of 31 Jul 2026. Portfolio turnover 74.9% a year.
The debt it holds
- Yield to maturity
- 8.54% vs category 7.92%
- Modified duration
- 1.93 yrs vs category 2.02 yrs
- Average maturity
- 2.29 yrs vs category 2.71 yrs
- Average coupon
- 8.05%
- Government securities
- 20.4%
Credit quality
- AAA
- 38.6%
- AA
- 41.8%
- A
- 19.5%
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
- +₹463 cr
- Net flow, 3 months
- +₹179 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1?
- ₹42.15 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1?
- 0.5% a year for the Direct plan, as of 30 Jun 2026.
- How large is Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1?
- ₹1,556 crore under management as of 31 Jul 2026, in the Credit Risk Fund category.
- How risky is Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1?
- Its SEBI Riskometer reading is "Moderately High Risk". Lending to companies and banks for extra yield over government paper.
- What are the 5-year returns of Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1?
- 7.92% 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 Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1?
- 7.1% a year — the weakest of 25 overlapping 3-year holding periods, beginning 1 Sept 2021. The median was 8.9% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1?
- Kinjal Desai, managing this fund for 8.2 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.