Nippon India Credit Risk Fund Direct Growth

Nippon India Credit Risk Fund Direct Growth

Debt
Credit Risk
High Risk
+9.04%
3Y annualised
-0.06% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 16 Jan '26
₹40.11
Min. SIP amount
₹100
Fund size
₹1,015.83 Cr
Expense ratio
0.70%

Return calculator

Monthly SIP
One time
Monthly investment
₹5,000
Over the pastTotal investmentWould've becomeHistoric returnsReturns
1 year₹60,000₹62,300
+3.83%
3 years₹1,80,000₹2,05,282
+14.05%
5 years₹3,00,000₹3,72,143
+24.05%
10 years₹6,00,000₹8,60,122
+43.35%

Holdings (45)

NameSectorInstrumentsAssets
GOISovereignGOI Sec7.56%
Renew Solar Energy (Jharkhand Five) Pvt. Ltd.OthersNCD4.62%
Truhome Finance Ltd.FinancialNCD4.04%
Gaursons India Pvt. Ltd.ConstructionDebenture3.91%
Navi Finserv Private Ltd.FinancialNCD3.89%
Sandur Manganese & Iron Ores Ltd.Metals & MiningNCD3.71%
Mancherial Repallewada Road Pvt Ltd.ConstructionDebenture3.55%
Delhi International Airport Ltd.ServicesNCD3.54%
Vedanta Ltd - Pref. Shares 7.50Metals & MiningDebenture3.48%
Renserv Global Pvt Ltd.OthersDebenture3.44%
Hiranandani Financial Services Pvt. Ltd.FinancialNCD3.43%
Aditya Birla Real Estate Ltd.Consumer StaplesNCD3.00%
Rajasthan StateOthersSDL2.95%
REC Ltd.FinancialDebenture2.59%
Mindspace Business Parks REITConstructionDebenture2.52%
Small Industries Devp. Bank of India Ltd.FinancialBonds2.49%
Ashoka Buildcon Ltd.ConstructionNCD2.47%
Tamilnadu StateOthersSDL2.41%
GMR Airports Ltd.ConstructionBonds2.31%
Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class AServicesDebenture2.29%
Nuvoco Vistas Corporation Ltd.ConstructionFRD2.21%
GOISovereignGOI Sec2.04%
GMR Airports Ltd.ConstructionBonds1.51%
Muthoot Capital Services Ltd.FinancialNCD1.47%
Indostar Home Finance Pvt. Ltd.FinancialNCD1.38%
Jubilant Beverages Ltd.Consumer StaplesDebenture1.32%
Kosamattam Finance LtdFinancialNCD1.15%
Ashoka Buildcon Ltd.ConstructionNCD1.08%
Karnataka StateOthersSDL1.03%
GOISovereignGOI Sec1.02%
JTPM Metal Traders Ltd.Metals & MiningDebenture1.02%
Muthoot Fincorp Ltd.FinancialNCD0.99%
Power Finance Corporation Ltd.FinancialBonds/Deb0.99%
Vivriti Capital Pvt. Ltd.FinancialNCD0.99%
Summit Digitel Infrastructure Pvt. Ltd.CommunicationDebenture0.98%
Adani Transmission Step-Two Ltd.EnergyDebenture0.98%
NANANCD0.70%
Indostar Home Finance Pvt. Ltd.FinancialNCD0.69%
GOISovereignGOI Sec0.51%
Vedanta Ltd.Metals & MiningDebenture0.50%
Incred Financial Services Ltd.FinancialNCD0.49%
Telangana State Industrial Infrastructure Corporation Ltd.OthersDebenture0.44%
Andhra Pradesh State Beverages Corporation Ltd.Consumer StaplesBonds0.35%
Andhra Pradesh State Beverages Corporation Ltd.Consumer StaplesBonds0.34%
Jubilant Bevco Ltd.Consumer StaplesDebenture0.26%
See All

Minimum investments

Min. for 1st investment
₹500
Min. for 2nd investment
₹500
Min. for SIP
₹100

Returns and rankings

Annualised returns
Absolute returns
Name3Y5Y10YAll
Fund returns+9.0%+9.2%+6.8%+7.6%
Category average (Debt Credit Risk)+8.7%+9.0%+6.4%--
Rank (Debt Credit Risk)6711--

Exit load, stamp duty and tax

Exit load

Exit load of 1% if units in excess of 10% are redeemed within 12 months

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

Fund management

DDS
Divya Dutt Sharma
Sep 2025 - Present
View details

Education
Bachelor of Commerce, MSC Banking & Finance.
Experience
Prior to joining the Nippon AMC, he was associated with Bhramrishi Mission NGO, Equations LLC, V.K Pamecha and Associates.
Also manages these schemes

LM
Lokesh Maru
Sep 2025 - Present
View details

Education
Bachelor of Technology, CFA, FRM
Experience
Prior to joining the Nippon AMC, he was associated with BlackRock Services India Private Ltd, CRISIL Ltd.
Also manages these schemes

About Nippon India Credit Risk Fund Direct Growth

Nippon India Credit Risk Fund Direct Growth is a Debt Mutual Fund Scheme launched by Nippon India Mutual Fund. This scheme was made available to investors on 30 Jun 1995. Sushil Budhia is the Current Fund Manager of Nippon India Credit Risk Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹7,11,423 Cr and the Latest NAV as of 16 Jan 2026 is ₹40.11. The Nippon India Credit Risk Fund Direct Growth is rated High risk. Minimum SIP Investment is set to ₹100. Minimum Lumpsum Investment is ₹500. Exit load of 1% if units in excess of 10% are redeemed within 12 months ;

Investment Objective

The scheme aims to generate optimal returns consistent with moderate levels of risk. It will invest atleast 65 per cent of its assets in debt instruments with maturity of more than 1 year and the rest in money market instruments (including cash or call money and reverse repo) and debentures with maturity of less than 1 year. The exposure in government securities will generally not exceed 50 percent of the assets.;
Fund benchmarkCRISIL Credit Risk Debt B-II Index

Fund house

Rank (total assets)#4 in India
Total AUM₹7,11,422.55 Cr
Date of Incorporation30 Jun 1995
Phone+91 022 6808 7000
E-mailNA
Launch Date30 Jun 1995
Address30th Floor, One Lodha PlaceSenapati Bapat Marg, Lower ParelMumbai Mumbai 400013
CustodianDeutsche Bank
Registrar & Transfer AgentKFin Tech
AddressKarvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,