Kotak Credit Risk Fund Regular-Growth
The fund is rated 2 stars. The strongest areas were income potential of 8.43%, latest three-year return of 5.6% and balance between returns and downside risk. Exposure to interest-rate changes of 1.59 years and annual fee of 1.73% were the main limitations and did not provide enough support for a higher rating. Smaller fund size of Rs 773.16 crore was a minor drawback.
This fund has a high YTM of 8.43%, its Modified Duration is low at 1.59 years, and its 3-Year Rolling Return is 5.6%, indicating high performance. It has sortino ratio of 1.528 which indicates high risk-reward ratio However, its AUM is None at 773.165 crores, and its Expense Ratio is low at 1.732%. Taking all these factors into account, the fund has been rated 2.0 stars.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 7 Oct 2026
Risk ratios
As of 30 Sep 2026
Debt metrics
Portfolio
As of 30 Sep 2026
Sector allocation
As of 30 Sep 2021
Holdings (42)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| Jubilant Bevco Ltd.Maturity 31/05/2028 · Rating CRISIL AA | 7.31% | ₹56.24 Cr | 500 |
| Vedanta Ltd - Pref. Shares 7.50Coupon 9.50% · Maturity 20/08/2027 · Rating ICRA AA+ | 6.55% | ₹50.37 Cr | 5,000 |
| Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class ACoupon 10.81% · Maturity 31/01/2028 · Rating ICRA A+(CE) | 6.52% | ₹50.16 Cr | 5,000 |
| Tata Projects Ltd.Coupon 8.25% · Maturity 28/04/2027 · Rating CRISIL AA | 6.50% | ₹49.96 Cr | 5,000 |
| Muthoot Finance Ltd.Maturity 26/07/2029 · Rating CRISIL AA+ | 6.49% | ₹49.94 Cr | 5,000 |
| Aditya Birla Real Estate LtdCoupon 8.55% · Maturity 30/08/2029 · Rating CARE AA | 5.81% | ₹44.71 Cr | 4,500 |
| Aditya Birla Renewables Ltd.Coupon 8.60% · Maturity 24/09/2027 · Rating CRISIL AA | 5.20% | ₹40 Cr | 4,000 |
| Indus Infra Trust | 4.60% | ₹35.4 Cr | 27,24,405 |
| AU Small Finance Bank Ltd.Coupon 9.30% · Maturity 03/08/2032 · Rating CRISIL AA | 3.91% | ₹30.06 Cr | 30 |
| 360 ONE Wealth Ltd.Maturity 25/07/2028 · Rating ICRA AA | 3.27% | ₹25.12 Cr | 2,500 |
Fund details
Income over a medium term investment horizon. Investment predominantly in AA and below rated corporate bonds (Excluding AA+ rated corporate bonds).
The scheme seeks to generate income by investing in debt /and money market securities across the yield curve and predominantly in AA rated and below corporate securities.
Exit load for units in excess of 6% of the investment,1% will be charged for redemption within 365 days