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InvestVerdict

Kotak Credit Risk Fund

Regular Plan · Growth · Credit Risk · Scheme code 117716

NAV₹31.8827as on 30 Oct 2026
Fund houseKotak Mahindra Mutual Fund
CategoryCredit Risk
Plan & optionRegular · Growth
History14.1 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.602.712.92 7.127.655.78 6.106.457.35
Credit Risk
category median		 ——— 6.237.566.76 —6.75—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 1.6% 0.74 1.17 — — -4.0% —

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

861532202862014201620182020202220242026InvestVerdict

Drawdown from peak (%)

0%-1%-2%-3%2014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
3,173 0.0% 7.4% 12.7% 0%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

InvestVerdict

Kotak Credit Risk Fund

Regular Plan · Growth

Allocation

By asset

Debt79.38%
Cash & Equivalents10.24%
Equity5.02%
REITs / InvITs4.81%
AIF Units0.55%

By market cap

Mid Cap3.16%
Small Cap1.65%
Unclassified84.95%

Concentration

Number of stocks41
Top 5 stocks33.37%
Top 10 stocks56.16%
Top 20 stocks81.52%
Lines in the filing43
Largest holding7.31%
Largest sectorICRA D —
Effective stocks24.7
Sectors held19
Cash10.24%

Effective stocks is what the concentration works out to: a fund holding 41 names but most of its money in a few behaves like a fund of 25. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL AA — 26.1%ICRA AA+ — 11.8% — 8.1%CRISIL AA+ — 6.6%ICRA A+(CE) — 6.5%SOV — 6.3%CARE AA — 5.8%Transport Infrastructure — 5.0%Realty — 4.8%Other — 18.9%CRISIL AA26.1%ICRA AA+11.8% 8.1%CRISIL AA+6.6%ICRA A+(CE)6.5%SOV6.3%CARE AA5.8%Transport Infrastructure5.0%Realty4.8%Other18.9%
CRISIL AA26.12%
ICRA AA+11.75%
8.11%
CRISIL AA+6.63%
ICRA A+(CE)6.52%
SOV6.30%
CARE AA5.81%
Transport Infrastructure5.02%
Realty4.81%
ICRA AA3.27%
CARE AA-3.22%
ICRA AAA3.20%
Cash & Equivalents2.13%
CRISIL A+(CE)2.05%
FITCH AA(CE)1.98%
CARE AA+1.30%
FITCH AA0.65%
Alternative Investment Fund0.55%
ICRA AAA(SO)0.37%
CRISIL AAA(SO)0.21%
InvestVerdict

Kotak Credit Risk Fund

Regular Plan · Growth · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 Triparty Repo — 62 8.11%
2 ZCB CRISIL AA 500 56 7.31%
3 VEDANTA LTD. ICRA AA+ 5,000 50 6.55%
4 BAMBOO HOTEL AND GLOBAL CENTRE (DELHI) PRIVATE LTD ICRA A+(CE) 5,000 50 6.52%
5 TATA PROJECTS LTD. CRISIL AA 5,000 50 6.50%
6 FRB CRISIL AA+ 5,000 50 6.49%
7 ADITYA BIRLA REAL ESTATE LTD CARE AA 4,500 45 5.81%
8 ADITYA BIRLA RENEWABLES LIMITED CRISIL AA 4,000 40 5.20%
9 INDUS INFRA TRUST Transport Infrastructure 2,724,405 35 4.60%
10 AU SMALL FINANCE BANK LTD. CRISIL AA 30 30 3.91%
11 FRB ICRA AA 2,500 25 3.27%
12 FRB CARE AA- 2,500 25 3.22%
13 REC LTD ICRA AAA 2,500 25 3.20%
14 Karnataka State Govt - 2036 - Karnataka SOV 2,500,000 24 3.17%
15 REIT Realty 558,630 24 3.16%
16 AADHAR HOUSING FINANCE LIMITED ICRA AA+ 2,000 20 2.61%
17 AADHAR HOUSING FINANCE LIMITED ICRA AA+ 2,000 20 2.59%
18 Central Government - 2035 SOV 2,000,000 19 2.48%
19 Net Current Assets/(Liabilities) Unclassified — 16 2.13%
20 ANDHRA PRADESH STATE BEVERAGES CORPORATION LIMITED FITCH AA(CE) 1,500 15 1.98%
21 REIT Realty 378,390 13 1.65%
22 THDC India Ltd. (THDCIL) CARE AA+ 100 10 1.30%
23 GODREJ SEEDS AND GENETICS LTD. ( ) CRISIL AA 625 6 0.80%
24 GODREJ SEEDS AND GENETICS LTD. ( ) CRISIL AA 625 6 0.80%
25 GODREJ SEEDS AND GENETICS LTD. ( ) CRISIL AA 625 6 0.80%
26 GODREJ SEEDS AND GENETICS LTD. ( ) CRISIL AA 625 6 0.80%
27 Central Government - 2066 SOV 500,000 5 0.65%
28 Nirma Ltd. FITCH AA 500 5 0.65%
29 SBI ALTERNATIVE INVESTMENT FUND Alternative Investment Fund 3,525 4 0.55%
30 U P Power Corporation Ltd ( Guaranteed By UP State Government ) CRISIL A+(CE) 35 4 0.46%
InvestVerdict

Kotak Credit Risk Fund

Regular Plan · Growth · where the money sits

What the manager did last month

Between the filings of 30 Jun 2026 and 31 Jul 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

BoughtSoldNew positionsSold out ofPrice move of holdings
₹0 cr ₹4 cr 1 0 +2.79%
StockShares tradedShares PriceValue
₹ cr
New position
INE0NR623014 210,568 entered — 3.3
Trimmed
INE0FDU25010 78,356 -17.2% +3.2% 2.7
INE041025011 28,000 -4.8% 0.0% 1.2
Not equityPrevious filingThis filingChange
Cash, repo and TREPS ₹0 cr ₹0 cr +₹0 cr
Debt: bills, CDs and commercial paper ₹670 cr ₹667 cr −₹3 cr

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹714,993 ₹114,993 6.95%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 31 Oct 2026.