MonitorDirect · GrowthWatch before adding
Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1)
Nippon India Mutual FundDebt Scheme - Credit Risk Fund6.7 years
- NAV
- 0.5342
- 27 Jan 2022
- 1Y
- +340.5%
- Trailing CAGR
- AUM
- ₹23.58 Cr
- 31 Aug 2026
- Volatility
- n/a
- History still thin
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 27 Jan 2022
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · AUM fell by 30% or more versus the prior observation.
Watch if · Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
Prefer peers if · Prefer DSP Credit Risk Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
6.7 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.61% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -25.6%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 100.0% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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+340.5%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+89.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+866.6%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +89.2%
- Calendar-day CAGR
- Excess 1Y
- +331.8%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -25.6%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +70%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 365 days
- 1 recovered episodes
- Longest recovery
- 365 days
- Trough to prior peak
15 Sept 2020 – 27 Jan 2022
Trough 27 Jan 2021 · recovered in 365 days
-25.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
100
Consistency
0
Risk-adjusted
n/a
Drawdown
36
Mean
59
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- AUM fell by 30% or more versus the prior observation.
Supporting reads
No supporting reads in the current evidence set.
Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
Portfolio
31 Aug 2026 · 2 holdings · top 10 are 100.0%.
- Top 5
- 100.0%
- Top 10
- 100.0%
- Largest holding
- n/a
- Effective holdings
- n/a
Asset mix
Debt
90.4%
Cash
9.6%
Sectors
Technology
90.4%
Unspecified
9.6%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP Credit Risk Fund
DSP Mutual Fund
- 1Y
- +10.3%
- 3Y
- +13.7%
- Vol
- 4.4%
- Max DD
- -6.0%
- Sharpe
- 0.73
- 3Y win
- +42%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +11.1%
- 3Y
- +12.9%
- Vol
- 2.6%
- Max DD
- -3.9%
- Sharpe
- 1.31
- 3Y win
- +70%
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
BANDHAN CREDIT RISK FUND
Bandhan Mutual Fund
- 1Y
- +5.0%
- 3Y
- +7.1%
- Vol
- 1.5%
- Max DD
- -2.6%
- Sharpe
- 0.66
- 3Y win
- +34%
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
ICICI Prudential Credit Risk Fund
ICICI Prudential Mutual Fund
- 1Y
- +6.8%
- 3Y
- +8.8%
- Vol
- 1.4%
- Max DD
- -2.9%
- Sharpe
- 2.01
- 3Y win
- +53%
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Kotak Credit Risk Fund
Kotak Mahindra Mutual Fund
- 1Y
- +6.0%
- 3Y
- +8.3%
- Vol
- 1.8%
- Max DD
- -3.9%
- Sharpe
- 1.24
- 3Y win
- +54%
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns