ReviewDirect · Growth
Kotak Credit Risk Fund
Kotak Mahindra Mutual FundDebt Scheme - Credit Risk Fund13.7 years
- NAV
- 36.2922
- 15 Sept 2026
- 1Y
- +7.4%
- Trailing CAGR
- AUM
- ₹773.17 Cr
- 31 Jul 2026
- Volatility
- Low
- 1.8% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+7.4%
- 3Y+8.5%
- 5Y+6.7%
- 10Y+7.4%
- SI+8.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+7.2%
- 3Y+8.2%
- 5Y+7.8%
- 10Y+7.3%
- Since inception
- +8.2%
- Calendar-day CAGR
- Excess 1Y
- -4.7%
- Category median, same plan and option
- 3Y win rate
- +54%
- Windows beating the median
- 3Y percentile
- 17
- Vs comparable share classes
- Worst rolling 3Y
- +4.6%
- 2588 daily-ending windows
- Median rolling 3Y
- +8.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2104 daily-ending windows
- SIP 3Y XIRR
- +8.2%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 344 recovered episodes
- Longest recovery
- 209 days
- Trough to prior peak
- Current spell
- 7 days
- Days below latest peak
- Time below peak
- +46%
- NAV observations
4 Mar 2020 – 2 Jul 2020
Trough 29 Apr 2020 · recovered in 64 days
-3.9%
6 Apr 2022 – 8 Dec 2022
Trough 13 May 2022 · recovered in 209 days
-3.1%
19 Jun 2013 – 19 Sept 2013
Trough 19 Aug 2013 · recovered in 31 days
-3.1%
26 Sept 2024 – 2 Jan 2025
Trough 30 Sept 2024 · recovered in 94 days
-1.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
17
Vs category
21
Consistency
52
Risk-adjusted
100
Drawdown
90
Mean
56
Portfolio
31 Jul 2026 · 43 holdings · top 10 are 58.9%.
- Top 5
- 33.3%
- Top 10
- 58.9%
- Largest holding
- 7.2%
- Effective holdings
- 22.3
JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC
Consumer Staples
7.2%
VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC
Materials
6.6%
BAMBOO HOTEL AND GLOBAL CENTRE (DELHI) PRIVATE LIMITED SR I 10.81 NCD 31JN28 FVRS1LAC
Consumer Discretionary
6.5%
MUTHOOT FINANCE LIMITED RR NCD 26JL29 FVRS1LAC
Financial
6.5%
TATA PROJECTS LIMITED SR Q 8.25 NCD 28AP27 FVRS1LAC
Industrials
6.5%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
11 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
10 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Review
Engine status
Review
Closer look
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
ICICI Prudential Credit Risk Fund
ICICI Prudential Mutual Fund
- 1Y
- +8.2%
- 3Y
- +9.1%
- Vol
- 1.4%
- Max DD
- -2.9%
- Sharpe
- 2.52
- 3Y win
- +53%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
SBI CREDIT RISK FUND
SBI Mutual Fund
- 1Y
- +8.3%
- 3Y
- +8.6%
- Vol
- 1.3%
- Max DD
- -2.3%
- Sharpe
- 2.62
- 3Y win
- +52%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +12.8%
- 3Y
- +13.2%
- Vol
- 2.6%
- Max DD
- -3.9%
- Sharpe
- 1.59
- 3Y win
- +70%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
BANDHAN CREDIT RISK FUND
Bandhan Mutual Fund
- 1Y
- +5.9%
- 3Y
- +7.2%
- Vol
- 1.5%
- Max DD
- -2.6%
- Sharpe
- 1.15
- 3Y win
- +34%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
BANK OF INDIA CREDIT RISK FUND
Bank of India Mutual Fund
- 1Y
- +17.9%
- 3Y
- +10.1%
- Vol
- n/a
- Max DD
- -73.4%
- Sharpe
- n/a
- 3Y win
- +44%
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown