Kotak Credit Risk Fund Overview
Category Credit Risk Fund
BMSMONEY Rank 12
BMSMONEY Rating
Gro. Opt. As On: 20-12-2024
NAV ₹28.0(R) -0.23% ₹31.34(D) -0.23%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 6.88% 4.73% 5.26% 5.88% 6.74%
LumpSum (D) 7.89% 5.73% 6.29% 6.9% 7.83%
SIP (R) -39.17% 0.72% 3.62% 4.77% 5.65%
SIP (D) -38.54% 1.75% 4.67% 5.83% 6.72%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-0.95 -0.28 0.37 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
2.07% -1.48% -2.85% - 1.74%
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Icici Prudential Credit Risk Fund 2
Baroda BNP Paribas Credit Risk Fund 3

NAV Date: 20-12-2024

Scheme Name NAV Rupee Change Percent Change
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option 12.18
-0.0300
-0.2300%
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option 23.54
-0.0500
-0.2300%
Kotak Credit Risk Fund - Growth 28.0
-0.0700
-0.2300%
Kotak Credit Risk Fund - Growth - Direct 31.34
-0.0700
-0.2300%

Review Date: 20-12-2024

Kotak Credit Risk Fund has shown poor performance in the Credit Risk Fund category. The fund has rank of 12 out of 13 funds in the category. The fund has delivered return of 6.88% in 1 year, 4.73% in 3 years, 5.26% in 5 years and 6.74% in 10 years. The category average for the same periods is 7.9%, 9.32%, 6.65% and 6.47% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 2.07, VaR of -1.48, Average Drawdown of -1.08, Semi Deviation of 1.74 and Max Drawdown of -2.85. The category average for the same parameters is 7.08, -0.22, -0.54, 1.84 and -0.72 respectively. The fund has high risk in the category.

Key Points:

  1. An investment of ₹10,000 in Kotak Credit Risk Fund direct growth option would have grown to ₹10789.0 in 1 year, ₹11820.0 in 3 years and ₹13566.0 in 5 years as of today (20-12-2024).
  2. An SIP of ₹1,000 per month in Kotak Credit Risk Fund direct growth option would have grown to ₹9311.0 in 1 year, ₹36983.0 in 3 years and ₹67536.0 in 5 years as of today (20-12-2024).
  3. standard deviation of 2.07 and based on VaR one can expect to lose more than -1.48% of current value of fund in one year.
  4. Sharpe ratio of the fund is -0.95 which shows average performance of fund in the credit risk fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.32
0.51
0.32 | 0.62 14 | 14 Poor
3M Return % -0.16
1.66
-0.16 | 4.33 14 | 14 Poor
6M Return % 2.54
3.91
2.46 | 7.01 13 | 14 Poor
1Y Return % 6.88
7.90
6.14 | 11.81 13 | 14 Poor
3Y Return % 4.73
9.32
4.73 | 39.66 13 | 13 Poor
5Y Return % 5.26
6.65
0.92 | 10.47 12 | 13 Average
7Y Return % 5.88
5.22
-1.44 | 7.50 8 | 13 Good
10Y Return % 6.74
6.47
3.07 | 7.81 6 | 9 Good
1Y SIP Return % -39.17
-37.63
-39.17 | -33.99 14 | 14 Poor
3Y SIP Return % 0.72
3.00
0.72 | 10.36 13 | 13 Poor
5Y SIP Return % 3.62
6.90
3.62 | 22.80 13 | 13 Poor
7Y SIP Return % 4.77
6.33
3.31 | 12.52 12 | 13 Average
10Y SIP Return % 5.65
5.83
2.65 | 7.17 6 | 9 Good
Standard Deviation 2.07
7.08
0.91 | 70.73 9 | 13 Average
Semi Deviation 1.74
1.84
0.73 | 11.99 12 | 13 Average
Max Drawdown % -2.85
-0.72
-2.85 | -0.26 13 | 13 Poor
VaR 1 Y % -1.48
-0.22
-1.48 | 0.00 13 | 13 Poor
Average Drawdown % -1.08
-0.54
-1.08 | -0.26 13 | 13 Poor
Sharpe Ratio -0.95
-0.23
-1.44 | 0.69 12 | 13 Average
Sterling Ratio 0.37
0.88
0.37 | 3.84 13 | 13 Poor
Sortino Ratio -0.28
1.15
-0.41 | 14.70 12 | 13 Average
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.40 0.57 0.40 | 0.69 14 | 14
3M Return % 0.07 1.86 0.07 | 4.56 14 | 14
6M Return % 3.02 4.32 2.63 | 7.48 13 | 14
1Y Return % 7.89 8.74 6.50 | 12.81 13 | 14
3Y Return % 5.73 10.16 5.73 | 40.07 13 | 13
5Y Return % 6.29 7.47 1.69 | 10.79 11 | 13
7Y Return % 6.90 6.05 -1.17 | 8.25 8 | 13
10Y Return % 7.83 7.37 4.03 | 8.63 5 | 9
1Y SIP Return % -38.54 -37.10 -38.85 | -33.35 13 | 14
3Y SIP Return % 1.75 3.86 1.75 | 10.74 13 | 13
5Y SIP Return % 4.67 7.76 4.67 | 23.18 13 | 13
7Y SIP Return % 5.83 7.17 4.10 | 12.82 12 | 13
10Y SIP Return % 6.72 6.71 3.50 | 7.95 6 | 9
Standard Deviation 2.07 7.08 0.91 | 70.73 9 | 13
Semi Deviation 1.74 1.84 0.73 | 11.99 12 | 13
Max Drawdown % -2.85 -0.72 -2.85 | -0.26 13 | 13
VaR 1 Y % -1.48 -0.22 -1.48 | 0.00 13 | 13
Average Drawdown % -1.08 -0.54 -1.08 | -0.26 13 | 13
Sharpe Ratio -0.95 -0.23 -1.44 | 0.69 12 | 13
Sterling Ratio 0.37 0.88 0.37 | 3.84 13 | 13
Sortino Ratio -0.28 1.15 -0.41 | 14.70 12 | 13
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D -0.23 ₹ 9,977.00 -0.23 ₹ 9,977.00
1W -0.24 ₹ 9,976.00 -0.22 ₹ 9,978.00
1M 0.32 ₹ 10,032.00 0.40 ₹ 10,040.00
3M -0.16 ₹ 9,984.00 0.07 ₹ 10,007.00
6M 2.54 ₹ 10,254.00 3.02 ₹ 10,302.00
1Y 6.88 ₹ 10,688.00 7.89 ₹ 10,789.00
3Y 4.73 ₹ 11,486.00 5.73 ₹ 11,820.00
5Y 5.26 ₹ 12,919.00 6.29 ₹ 13,566.00
7Y 5.88 ₹ 14,920.00 6.90 ₹ 15,948.00
10Y 6.74 ₹ 19,195.00 7.83 ₹ 21,260.00
15Y ₹ ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -39.17 ₹ 9,263.22 -38.54 ₹ 9,311.11
3Y ₹ 36000 0.72 ₹ 36,401.36 1.75 ₹ 36,983.20
5Y ₹ 60000 3.62 ₹ 65,770.32 4.67 ₹ 67,536.30
7Y ₹ 84000 4.77 ₹ 99,538.99 5.83 ₹ 103,345.79
10Y ₹ 120000 5.65 ₹ 160,373.40 6.72 ₹ 169,564.32
15Y ₹ 180000 ₹ ₹


Date Kotak Credit Risk Fund NAV Regular Growth Kotak Credit Risk Fund NAV Direct Growth
20-12-2024 27.9983 31.3405
19-12-2024 28.064 31.4132
18-12-2024 28.08 31.4304
17-12-2024 28.0617 31.4091
16-12-2024 28.0688 31.4162
13-12-2024 28.0648 31.4093
12-12-2024 28.0569 31.3997
11-12-2024 28.039 31.3789
10-12-2024 28.0746 31.4179
09-12-2024 28.0673 31.4089
06-12-2024 28.0503 31.3874
05-12-2024 28.0604 31.398
04-12-2024 28.0293 31.3623
03-12-2024 28.0225 31.354
02-12-2024 28.0341 31.3662
29-11-2024 28.0071 31.3335
28-11-2024 27.9831 31.3058
27-11-2024 27.9745 31.2954
26-11-2024 27.9757 31.2959
25-11-2024 27.9694 31.2881
22-11-2024 27.8987 31.2066
21-11-2024 27.9083 31.2166

Fund Launch Date: 12/Apr/2010
Fund Category: Credit Risk Fund
Investment Objective: The investment objective of the scheme is to generate income by investing in debt /and money market securities across the yield curve and predominantly in AA rated and below corporate securities. The scheme would also seek to maintain reasonable liquidity within the fund. There is no assurance that the investment objective of the Schemes will be realised.
Fund Description: An open-ended debt scheme predominantly investing in aa and below rated corporate bonds (excluding AA+ rated corporate bonds)
Fund Benchmark: Nifty Credit Risk Bond Index
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.