How to Invest in Kotak Credit Risk Fund Direct Growth?

You can easily invest in Kotak Credit Risk Fund Direct Growth in a hassle-free manner on Groww. The process is extremely simple, quick and completely paperless. Invest in a few minutes with the following steps: Log on to your Groww account Search for Kotak Credit Risk Fund Direct Growth from the search box In order to invest, you will have to complete all the KYC formalities which are completely online and paperless and take a few minutes to complete Once you are done with that, you can start investing in Kotak Credit Risk Fund Direct Growth as SIP or lumpsum as per your investment objective and risk tolerance

What kind of returns does Kotak Credit Risk Fund Direct Growth provide?

The Kotak Credit Risk Fund Direct Growth has been there from 01 Jan 2013 and the average annual returns provided by this fund is 8.27% since its inception.

How much expense ratio is charged by Kotak Credit Risk Fund Direct Growth?

The term Expense Ratio used for Kotak Credit Risk Fund Direct Growth or any other mutual fund is the annual charges one needs to pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio of Kotak Credit Risk Fund Direct Growth is 0.81% as of 10 Aug 2026...

What is the AUM of Kotak Credit Risk Fund Direct Growth?

The AUM, short for Assets Under Management of Kotak Credit Risk Fund Direct Growth is ₹770.02Cr as of 10 Aug 2026.

How to Redeem Kotak Credit Risk Fund Direct Growth?

If you want to sell your Kotak Credit Risk Fund Direct Growth holdings, go to your holding on the app or web and simply click on it. You will get two options - redeem & invest more; click on redeem and enter your desired amount or if you wish to redeem the entire holding amount then select the 'redeem all' checkbox.

Can I invest in SIP and Lump Sum of Kotak Credit Risk Fund Direct Growth?

You can select either SIP or Lumpsum investment of Kotak Credit Risk Fund Direct Growth based on your investment objective and risk tolerance.

What is the NAV of Kotak Credit Risk Fund Direct Growth?

The NAV of Kotak Credit Risk Fund Direct Growth is ₹36.23 as of 07 Aug 2026.

What is the PE and PB ratio of Kotak Credit Risk Fund Direct Growth?

The PE ratio ratio of Kotak Credit Risk Fund Direct Growth is determined by dividing the market price by its earnings per share and the PB ratio of the same is evaluated by dividing the stock price per share by its book value per share (BVPS).

Kotak Credit Risk Fund Direct Growth

Name: Kotak Credit Risk Fund Direct Growth
Brand: Kotak Mahindra Mutual Fund

Debt

Credit Risk

Moderately High Risk

+8.77%

3Y annualised

+0.07% 1D

All

NAV: 07 Aug '26

₹36.23

Min. for SIP

₹100

Fund size (AUM)

₹770.02 Cr

Expense ratio

0.81%

Rating

Return calculator

Monthly investment

₹5,000

Over the past	Total investment	Would've become	Returns
1 year	₹60,000	₹62,167	+3.61%
3 years	₹1,80,000	₹2,03,271	+12.93%
5 years	₹3,00,000	₹3,64,449	+21.48%
10 years	₹6,00,000	₹8,71,815	+45.30%

Holdings (44)

Name	Sector	Instruments	Assets
JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC	Consumer Staples	Debenture	7.22%
VEDANTA LIMITED SR 2 9.50 NCD 20AG27 FVRS1LAC	Materials	Debenture	6.56%
BAMBOO HOTEL AND GLOBAL CENTRE (DELHI) PRIVATE LIMITED SR I 10.81 NCD 31JN28 FVRS1LAC	Consumer Discretionary	Debenture	6.52%
MUTHOOT FINANCE LIMITED RR NCD 26JL29 FVRS1LAC	Financial	Debenture	6.50%
TATA PROJECTS LIMITED SR Q 8.25 NCD 28AP27 FVRS1LAC	Industrials	Bonds/NCDs	6.50%
STATE DEVELOPMENT LOAN 37028 KAR 04FB35 7.49 FV RS 100	Unspecified	State Development Loan	5.89%
CENTURY TEXTILES AND INDUSTRIES LIMITED 8.55 NCD 30AG29 FVRS1LAC	Materials	Non Convertible Debenture	5.87%
ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC	Energy & Utilities	Bonds/NCDs	5.21%
Bharat Highways InvIT	Industrials	Infrastructure Investment Trust	4.67%
AU SMALL FINANCE BANK LIMITED SR I 9.3 LOA 03AG32 FVRS1CR	Financial	Non Convertible Debenture	3.91%
STATE DEVELOPMENT LOAN 37129 KAR 25AG36 7.47 FV RS 100	Unspecified	State Development Loan	3.26%
360 ONE PRIME LIMITED RR NCD 25JL28 FVRS1LAC	Financial	Debenture	3.25%
REC LIMITED SR 248A 6.52 BD 31JN28 FVRS1LAC	Financial	Debenture	3.21%
MAS FINANCIAL SERVICES LIMITED RR NCD 12JU28 FVRS1LAC	Financial	Non Convertible Debenture	3.20%
Embassy Office Parks REIT	Real Estate	Real Estate Investment Trusts	3.18%
AADHAR HOUSING FINANCE LIMITED 8.65 NCD 21AG27 FVRS1LAC	Financial	Debenture	2.61%
AADHAR HOUSING FINANCE LIMITED 8.37 NCD 29MY28 FVRS1LAC	Financial	Debenture	2.60%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100	Entities	GOI Securities	2.54%
Net Current Assets	Unspecified	Net Current Assets	2.50%
ANDHRA PRADESH STATE BEVERAGES CORPORATION LIMITED SR IV C 9.15 BD 30NV28 FVRS1LAC	Consumer Staples	Bonds	1.97%
Brookfield India Real Estate Trust REIT	Real Estate	Real Estate Investment Trusts	1.68%
THDC INDIA LIMITED SR-1 7.59 LOA 03OT26 FVRS10LAC	Industrials	Bonds	1.30%
Repo	Unspecified	Repo	0.96%
GODREJ SEEDS & GENETICS LIMITED SR 1 STRPP 7.68 NCD 28JN28 FVRS1LAC	Consumer Staples	Non Convertible Debenture	0.81%
GODREJ SEEDS & GENETICS LIMITED SR 2 STRPP 7.68 NCD 28AP28 FVRS1LAC	Consumer Staples	Non Convertible Debenture	0.81%
GODREJ SEEDS & GENETICS LIMITED SR 4 STRPP 7.68 NCD 27OT28 FVRS1LAC	Consumer Staples	Non Convertible Debenture	0.80%
GODREJ SEEDS & GENETICS LIMITED SR 3 STRPP 7.68 NCD 28JL28 FVRS1LAC	Consumer Staples	Non Convertible Debenture	0.80%
7.71% GOI 18-May-2066	Entities	GOI Securities	0.66%
NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC	Consumer Staples	Debenture	0.65%
Others Class A2 AIF	Unspecified	Alternative Investment Fund	0.55%
U.P. POWER CORPORATION LIMITED SR I STRPP D 9.70 BD 31MR28 FVRS10LAC	Industrials	Bonds	0.46%
U.P. POWER CORPORATION LIMITED SR I STRPP E 9.70 BD 30MR29 FVRS10LAC	Industrials	Bonds	0.46%
Cube Highways Trust	Industrials	Infrastructure Investment Trust	0.43%
VAJRA 003 TRUST SENIOR TRANCHE PTC 08DEC23	Unspecified	Securitised Debt	0.36%
DHRUVA XXII SERIES A1 PTC 29AUG24	Unspecified	Securitised Debt	0.34%
U.P. POWER CORPORATION LIMITED SR I STRPP C 9.70 BD 31MR27 FVRS10LAC	Industrials	Bonds	0.34%
SANSAR JUNE 2024 TRUST SERIES A1 PTC 03JUL24	Unspecified	Securitised Debt	0.30%
U.P. POWER CORPORATION LIMITED SR II F 9.95 BD 29MR30 FVRS10LAC	Industrials	Debenture	0.26%
U.P. POWER CORPORATION LIMITED SR II D 9.95 BD 31MR28 FVRS10LAC	Industrials	Debenture	0.26%
U.P. POWER CORPORATION LIMITED SR II E 9.95 BD 30MR29 FVRS10LAC	Industrials	Debenture	0.26%
U.P. POWER CORPORATION LIMITED SR II C 9.95 BD 31MR27 FVRS10LAC	Industrials	Debenture	0.20%
SURAT MUNICIPAL CORPORATION STRPP A 8 BD 13OT29 FVRS500	Entities	Municipal Bond	0.07%
SURAT MUNICIPAL CORPORATION STRPP B 8 BD 13OT30 FVRS500	Entities	Municipal Bond	0.07%
Yes Bank Ltd Perpetual Bond 9.00	Financial	Additional Tier 1 Bond	--

See All

Minimum investments

Min. for 1st investment

₹100

Min. for 2nd investment

₹100

Min. for SIP

₹100

Returns and rankings

Annualised returns

Absolute returns

Name	3Y	5Y	10Y	All
Fund returns	+8.8%	+6.9%	+7.5%	+8.3%
Category average (Debt Credit Risk)	+8.7%	+9.0%	+6.4%	--
Rank (Debt Credit Risk)	9	13	9	--

Exit load, stamp duty and tax

Exit load

Exit load for units in excess of 6% of the investment,1% will be charged for redemption within 365 days

Stamp duty on investment: 0.005% (from July 1st, 2020)

from July 1st 2020

Tax implication

Returns are taxed as per your Income Tax slab.

Check past data

Compare similar funds

	Name	1Y	3Y	Fund Size(Cr)
	Aditya Birla Sun Life Credit Risk Fund Direct Growth	+13.19%	+13.26%	1,532.33
	Invesco India Credit Risk Fund Direct Growth	+8.36%	+9.78%	165.52
	Nippon India Credit Risk Fund Direct Growth	+8.08%	+9.05%	1,556.39
	Axis Credit Risk Fund Direct Growth	+8.98%	+8.94%	375.02
	Baroda BNP Paribas Credit Risk Fund Direct Growth	+7.04%	+8.39%	177.69
Compare

Fund management

DA
Deepak Agrawal
Jan 2013 - Present
View details

Education

Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA.

Experience

He has been associated with Kotak AMC since 2002.

Also manages these schemes

Kotak Bond Short Term Fund Direct Growth

Kotak Savings Fund Direct Growth

Kotak Dynamic Bond Fund Direct Growth

Kotak Banking and PSU Debt Fund Direct Growth

Kotak Credit Risk Fund Direct Growth

Kotak Money Market Fund Direct Growth

Kotak Liquid Direct Growth

Kotak Medium Term Fund Direct Growth

Kotak Overnight Fund Direct Growth

Kotak Floating Rate Fund Direct Growth

Kotak Low Duration Fund Direct Growth

Kotak Corporate Bond Fund Direct Growth

VM
Vihag Mishra
Oct 2025 - Present
View details

Education

Rank Holder MBA in Finance from XLRI

Experience

Prior to joining Kotak AMC, he was working as a senior credit analyst at French Bank, BNP Paribas.

Also manages these schemes

Kotak Credit Risk Fund Direct Growth

Kotak Medium Term Fund Direct Growth

About Kotak Credit Risk Fund Direct Growth

Kotak Credit Risk Fund Direct Growth is a Debt Mutual Fund Scheme launched by Kotak Mahindra Mutual Fund. This scheme was made available to investors on 05 Aug 1994. Deepak Agrawal is the Current Fund Manager of Kotak Credit Risk Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹5,84,950 Cr and the Latest NAV as of 07 Aug 2026 is ₹36.23. The Kotak Credit Risk Fund Direct Growth is rated Moderately High risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹100. Exit load for units in excess of 6% of the investment,1% will be charged for redemption within 365 days ;

Investment Objective

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.

Fund benchmarkCRISIL Credit Risk Debt B-II Index

Scheme Information Document(SID)