Should I invest in Kotak Credit Risk Fund?

We don't give personal investment advice. Kotak Credit Risk Fund - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.2%. 5-year CAGR: 5.59%.

Kotak

Kotak Credit Risk Fund - Growth

Latest NAV

₹31.0974

As of

3 Jun 2026

3,353 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.05%	+49.22%	-49.17	4 / 6	Q3
1W	+0.21%	+12.13%	-11.92	6 / 8	Q3
2W	+0.35%	+28.34%	-27.99	6 / 7	Q4
1M	+0.18%	+28.59%	-28.41	6 / 7	Q4
3M	+0.36%	+30.18%	-29.81	6 / 7	Q4
6M	+1.79%	+32.90%	-31.10	6 / 7	Q4
YTD	+1.61%	+30.11%	-28.50	6 / 7	Q4
1Y	+5.78%	+38.87%	-33.09	5 / 7	Q3
2Y	+6.94%	+20.86%	-13.92	6 / 6	Q4
3Y	+7.18%	+8.27%	-1.09	4 / 5	Q4
4Y	+6.69%	+7.20%	-0.51	4 / 5	Q4
5Y	+5.59%	+6.88%	-1.29	5 / 5	Q4
7Y	+6.04%	+6.81%	-0.78	4 / 5	Q4
10Y	+6.52%	+7.08%	-0.56	4 / 5	Q4
Inception	+7.28%	+21.29%	-14.01	5 / 6	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+1.61%	+2.01%	-0.40	4 / 4
2025	+9.03%	+8.83%	+0.20	2 / 4
2024	+7.00%	+7.92%	-0.92	4 / 4
2023	+6.47%	-11.13%	+17.59	4 / 6
2022	+0.90%	+52.98%	-52.08	6 / 6
2021	+5.27%	+4.91%	+0.36	5 / 6
2020	+6.54%	+4.18%	+2.36	3 / 5
2019	+8.89%	+6.59%	+2.30	2 / 5
2018	+6.14%	+6.45%	-0.31	3 / 5
2017	+6.38%	+6.89%	-0.52	4 / 5
2016	+10.38%	+9.88%	+0.51	2 / 5

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.31%

158 windows

min 0.3% · max 11.8%

100% positive

3-Year rolling

+7.11%

133 windows

min 3.6% · max 10.6%

100% positive

5-Year rolling

+6.95%

109 windows

min 5.1% · max 9.3%

100% positive

7-Year rolling

+6.98%

85 windows

min 5.7% · max 8.7%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.49%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.47%

Sep 2024 → Sep 2024

% positive months

94.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Credit Risk Fund

Scheme	Fund house	NAV	As of
HDFC Credit Risk Debt Fund - Growth Option	HDFC	₹25.3547	3 Jun 2026
Nippon India Credit Risk Fund - Growth Plan	Nippon India	₹37.1779	3 Jun 2026
ICICI Prudential Credit Risk Fund - Growth	ICICI Prudential	₹33.8855	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Baroda BNP Paribas Credit risk fund -Defunct -Growth option -Seg-Portfolio 2 (erstwhile BBNPP Medium Duration Fund-Defunct Growth Option Seg.Portfolio1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹31.0974
2 Jun 2026	₹31.1062
1 Jun 2026	₹31.0920
29 May 2026	₹31.0468
27 May 2026	₹31.0483
26 May 2026	₹31.0406
25 May 2026	₹31.0156
22 May 2026	₹30.9806
21 May 2026	₹30.9723
20 May 2026	₹31.0022

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of Kotak Credit Risk Fund - Growth is ₹31.0974. It's a Credit Risk Fund from Kotak, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Credit Risk Fund - Growth has NAV history starting from 09 Jul 2012, a track record of about 13 years 10 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Kotak Credit Risk Fund - Growth is managed by Kotak. It's classified by AMFI under the 'Credit Risk Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Kotak Credit Risk Fund - Growth has delivered a absolute return of 5.78% — -33.09 pp behind the Credit Risk Fund category average of 38.87%. The fund ranks #5 of 7 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Kotak Credit Risk Fund - Growth has delivered a CAGR of 7.18% — -1.09 pp behind the Credit Risk Fund category average of 8.27%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Kotak Credit Risk Fund - Growth has delivered a CAGR of 5.59% — -1.29 pp behind the Credit Risk Fund category average of 6.88%. The fund ranks #5 of 5 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Kotak Credit Risk Fund - Growth exactly 10 years ago would be worth approximately ₹188,079 today — a multiplier of 1.88×, based on the 10-year CAGR of 6.52%. The category average over the same window would have grown ₹1 lakh to ₹198,270.

A ₹10,000 monthly SIP in Kotak Credit Risk Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹706,534 today. That's an XIRR (money-weighted annualised return) of 6.47%.

A ₹10,000 monthly SIP for 10 years in Kotak Credit Risk Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,647,902 (multiplier 1.37×). XIRR: 6.18%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Kotak Credit Risk Fund - Growth ranks #5 out of 5 funds in the Credit Risk Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.88%; this fund delivered 5.59%.

The worst peak-to-trough decline Kotak Credit Risk Fund - Growth has experienced over the last 5-year window is 3.21% — its NAV fell from a high on 06 Apr 2022 to a low on 13 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Kotak Credit Risk Fund - Growth averaged 6.95% (best 9.34%, worst 5.11%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.55 — negative risk-adjusted performance.

In calendar year 2025, Kotak Credit Risk Fund - Growth returned 9.03% — beating the Credit Risk Fund category average of 8.83% by 0.20 pp. It ranked #2 of 4 in its category that year.

Kotak Credit Risk Fund - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Kotak Credit Risk Fund - Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.2%. 5-year CAGR: 5.59%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Kotak Credit Risk Fund - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Credit Risk Fund

Recent NAVs

Frequently asked questions

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