Should I invest in Kotak Credit Risk Fund?

We don't give personal investment advice. Kotak Credit Risk Fund - Growth - Direct 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: 3.1%. 5-year CAGR: 6.85%.

Kotak

Kotak Credit Risk Fund - Growth - Direct

Latest NAV

₹35.9811

As of

17 Jul 2026

3,265 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	+0.07%	+0.04%	+0.03	2 / 14	Q1
1W	+0.07%	+0.04%	+0.04	2 / 14	Q1
2W	+0.14%	+0.05%	+0.10	2 / 14	Q1
1M	+1.16%	+0.92%	+0.25	2 / 14	Q1
3M	+2.24%	+2.19%	+0.04	6 / 14	Q2
6M	+3.83%	+4.55%	-0.73	10 / 14	Q3
YTD	+4.00%	+4.79%	-0.79	10 / 14	Q3
1Y	+7.86%	+8.02%	-0.15	6 / 14	Q2
2Y	+8.44%	+9.96%	-1.53	9 / 14	Q3
3Y	+8.58%	+9.73%	-1.15	9 / 14	Q3
4Y	+8.07%	+8.90%	-0.82	9 / 13	Q3
5Y	+6.85%	+8.48%	-1.63	11 / 13	Q4
7Y	+7.18%	+7.66%	-0.48	9 / 13	Q3
10Y	+7.57%	+7.63%	-0.06	9 / 12	Q3
Inception	+8.25%	+8.36%	-0.10	9 / 14	Q3

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	+4.00%	+4.78%	-0.77	9 / 13
2025	+10.04%	+11.47%	-1.43	6 / 13
2024	+8.01%	+8.95%	-0.94	12 / 13
2023	+7.48%	+8.59%	-1.11	9 / 14
2022	+1.89%	+4.85%	-2.96	12 / 13
2021	+6.33%	+9.50%	-3.17	9 / 13
2020	+7.61%	+4.10%	+3.51	8 / 13
2019	+9.93%	+4.87%	+5.07	3 / 13
2018	+7.01%	+6.20%	+0.81	6 / 13
2017	+7.38%	+8.01%	-0.63	10 / 12
2016	+11.83%	+11.27%	+0.56	3 / 12

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

+8.32%

153 windows

min 1.4% · max 13.3%

100% positive

3-Year rolling

+8.07%

129 windows

min 4.7% · max 11.7%

100% positive

5-Year rolling

+7.87%

105 windows

min 6.1% · max 10.3%

100% positive

7-Year rolling

+7.89%

80 windows

min 6.7% · max 9.9%

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

1.52%

3-year · annualised

Sharpe ratio

1.18

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.46%

Sep 2024 → Sep 2024

% positive months

91.7%

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 - Direct Plan	HDFC	₹28.0614	17 Jul 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.8973	17 Jul 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹53.4845	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹38.3011	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,334.6655	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.9380	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.8505	17 Jul 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹60.3545	17 Jul 2026
HSBC Credit Risk Fund - Direct Growth	HSBC	₹37.4131	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹35.9811
16 Jul 2026	₹35.9555
15 Jul 2026	₹35.9076
14 Jul 2026	₹35.8830
13 Jul 2026	₹35.9265
10 Jul 2026	₹35.9548
9 Jul 2026	₹35.8998
8 Jul 2026	₹35.8933
7 Jul 2026	₹35.9549
6 Jul 2026	₹35.9623

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 17 Jul 2026, the NAV of Kotak Credit Risk Fund - Growth - Direct is ₹35.9811. It's a Credit Risk Fund from Kotak, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Kotak Credit Risk Fund - Growth - Direct has NAV history starting from 04 Jan 2013, a track record of about 13 years 6 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 - Direct 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 - Direct has delivered a absolute return of 7.86% — -0.15 pp behind the Credit Risk Fund category average of 8.02%. The fund ranks #6 of 14 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Kotak Credit Risk Fund - Growth - Direct has delivered a CAGR of 8.58% — -1.15 pp behind the Credit Risk Fund category average of 9.73%. The fund ranks #9 of 14 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Kotak Credit Risk Fund - Growth - Direct has delivered a CAGR of 6.85% — -1.63 pp behind the Credit Risk Fund category average of 8.48%. The fund ranks #11 of 13 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Kotak Credit Risk Fund - Growth - Direct exactly 10 years ago would be worth approximately ₹207,457 today — a multiplier of 2.07×, based on the 10-year CAGR of 7.57%. The category average over the same window would have grown ₹1 lakh to ₹208,632.

A ₹10,000 monthly SIP in Kotak Credit Risk Fund - Growth - Direct over the last 5 years — total invested ₹600,000 — would be worth ₹732,752 today. That's an XIRR (money-weighted annualised return) of 7.93%.

A ₹10,000 monthly SIP for 10 years in Kotak Credit Risk Fund - Growth - Direct = ₹1,200,000 invested. It would currently be worth ₹1,755,497 (multiplier 1.46×). XIRR: 7.39%. 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 - Direct ranks #11 out of 13 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 8.48%; this fund delivered 6.85%.

The worst peak-to-trough decline Kotak Credit Risk Fund - Growth - Direct has experienced over the last 5-year window is 3.11% — 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 - Direct averaged 7.87% (best 10.31%, worst 6.08%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.09 — weak risk-adjusted performance.

In calendar year 2025, Kotak Credit Risk Fund - Growth - Direct returned 10.04% — lagging the Credit Risk Fund category average of 11.47% by 1.43 pp. It ranked #6 of 13 in its category that year.

Kotak Credit Risk Fund - Growth - Direct 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 - Direct 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: 3.1%. 5-year CAGR: 6.85%.

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

Kotak Credit Risk Fund - Growth - Direct

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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