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  • IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q)

Formerly IDBI Corporate Debt Opptys Reg Qt DR

IDBI Mutual Funds

IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q)

DebtCredit Risk

10.6269

NAV (Oct 13)

2.1%
3 Year CAGR
Scripbox Opinion

Not Recommended

Click here for top ranked funds in credit risk mutual funds.

However, Scripbox does not recommend investing in credit risk mutual funds.

Credit Risk Funds are mandated to invest more than 65% of the portfolio in Corporate Bonds rated AA or below.

These instruments carry a high default risk.

The events of the recent past have shown the impact of poor credit quality on such funds.

Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

7 Years. The Fund has Sufficient history for analysis and the track record is good.

Relative Size

49 Cr. Negligible within the category

Impact of Interest Rate Changes

High Interest Rate Risk. The impact on fund value is high when interest rates change

Credit Quality Of Fund's Portfolio

High Credit Risk. The fund has a lower credit quality compared to other debt funds

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Short Term Money

Short Term Money

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    Historical growth rate of 6.5% per annum
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    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only, Car, Down Payment

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Historical NAV

10.6269

NAV (Oct 13)

Fund Returns

Last 1Y
17.7%
Last 3Y
2.1%
Last 5Y
2.1%
Last 10Y
NA
Since Inception
4.2%
6 Month CAGR
13.9%
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Scheme Information

Investment Objective

The investment objective of the Scheme is to generate regular income and opportunities for capital appreciation by investing predominantly in AA and below rated corporate bonds across maturity spectrum. However,there is no guarantee or assurance that the investment objective of the scheme will be achieved.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

risk-indicator-arrow.svg

Moderately High risk

Expense Ratio
1.35
Launched (7y ago)
Mar 03, 2014
AUM in Crores
48.518
ISIN
INF397L01FV3
Lock-in
No Lock-in
Benchmark
NIFTY Credit Risk Bond TR INR
SIP Minimum
1000
Lumpsum Min.
5000
Fund Managers
user-avatar

Bhupesh Kalyani

Fund Manager

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Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Inflation beating returns
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comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record

Kotak Savings Fund (G)

recommended-badge

₹ 12,698 cr

5

recommended-badge

₹ 28,554 cr

5

recommended-badge

₹ 11,007 cr

5

recommended-badge

₹ 21,654 cr

5

recommended-badge

₹ 28,496 cr

5

amc-icon

About the AMC

IDBI Asset Management Limited

IDBI Asset Management Limited manages assets worth 4,425 crores and was set up on 25 January 2010. It's current offering of mutual fund schemes includes 40 equity,35 debt and 8 hybrid funds.

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  • tel-amc-about
    022-66442800
  • mail-amc-about
    contactus@idbimutual.co.in
  • Fund NameScripbox Opinion
    Till Date CAGR
    top-ranked-badge

    23.8%

    16.3%

    top-ranked-badge

    5.2%

    7.4%

    top-ranked-badge

    5.7%

    7.4%

    top-ranked-badge

    4.2%

    5.7%

    top-ranked-badge

    4.2%

    5.5%

    growth

    Short Term Money

    Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

    • graph-icon-gray
      Historical growth rate of 6.5% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Expert Investing Only, Car, Down Payment
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Kotak Savings Fund (Growth)

    Kotak Savings Fund (Growth)

    Debt

    Ultra Short

    ICICI Prudential Savings Fund (Growth)

    ICICI Prudential Savings Fund (Growth)

    Debt

    Low Duration

    Tata Liquid Fund (Growth)

    Tata Liquid Fund (Growth)

    Debt

    Liquid

    How does Scripbox rate funds?

    Proprietary 4-step system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Sub-asset Class View

    Sub-asset Class View

    We check if the sub-category of the fund is recommended by us.

    Fund Performance

    Fund Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

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    3,600+

    AUM

    2,500+

    Cities

    2012

    Established

    About IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q)

    About IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q)

    IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) is a Credit Risk Debt fund and has delivered an annualised return of 4.2% over a period of 7 years. The fund was previously known as IDBI Corporate Debt Opptys Reg Qt DR . The fund is managed by IDBI Asset Management Limited. The fund manager’s name is Bhupesh Kalyani

    IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) Investment Objective

    The investment objective of the Scheme is to generate regular income and opportunities for capital appreciation by investing predominantly in AA and below rated corporate bonds across maturity spectrum. However,there is no guarantee or assurance that the investment objective of the scheme will be achieved. . However, there is no assurance that the objective of the scheme will be realized.

    IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) NAV,AUM,Risk

    The IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) fund was launched on Mar 03, 2014. The NAV (Net Asset Value) of this Credit Risk Debt fund as of 2021-10-13 is ₹10.63. The total AUM (Asset Under Management) of the fund as of 14/10/2021 is ₹48.518. The category risk of the IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) fund is Moderately High risk. The fund charges 1.35 % as expense ratio.

    IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) Holdings

    The fund’s highest allocation is towards Debt and has invested 75.6% in this asset class. The top three holdings of the fund are , punjab national bank , treps , 182 dtb 23122021 , jsw steel limited , godrej properties limited , tata motors limited , power finance corporation ltd. , the tata power company limited , godrej industries limited , rec limited , piramal capital & housing finance ltd , net receivable / payable , axis bank limited , chennai petroleum corporation limited

    IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) Sip

    The minimum SIP (Systematic Investment Plan) amount for this is ₹1000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

    IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) Investment volatility and Horizon

    This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to NIFTY Credit Risk Bond TR INR.

    IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) Review

    IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) has a score of 1 on a scale of 5. The fund has a score of 4 out of 5 based on historical performance. As compared to the other funds in its category, IDBI Credit Risk Fund of Income Distribution cum Cap wdrl (RIDCW-Q) has a score of 1out of 5 The credit risk of the fund is 2 out of 5 as compared to other debt funds.

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