• Mutual Funds
  • IDFC Mutual Funds
  • IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A)

Formerly IDFC Credit Risk Reg Ann DR

IDFC Mutual Funds

IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A)

DebtCredit Risk

10.4822

NAV (Dec 06)

5.2%
Till Date 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

4 Years. The fund has Relatively moderate history for analysis. We recommend funds with longer history.

Relative Size

860 Cr. Medium 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

Moderate Credit Risk. The fund has a moderate 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

10.4822

NAV (Dec 6)

Fund Returns

Last 1Y

3.9%

Last 3Y

5.4%

Last 5Y

NA

Last 10Y

NA

Since Inception

5.2%

6 Month CAGR

2.2%

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Scheme Information

Investment Objective

The Fund seeks to generate returns by investing predominantly in AA and below rated corporate debt securities across maturities.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

Moderate Risk

Expense Ratio

1.6

Launched (4y ago)

Mar 03, 2017

AUM in Crores

859.066

ISIN

INF194KA1W13

Lock-in

No Lock-in

Benchmark

CRISIL Short Term Credit Risk TR INR

SIP Minimum

0

Lumpsum Min.

5000

Fund Managers
user-avatar

Arvind Subramanian

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
    Inflation beating returns
  • Expert Investing Only, Car, Down Payment
    Expert Investing Only, Car, Down Payment
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comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record
Kotak Savings Fund (G)

Kotak Savings Fund (G)

₹ 13,499 cr

5

₹ 33,567 cr

5

₹ 11,691 cr

5

₹ 31,118 cr

5

₹ 27,296 cr

5

amc-icon

About the AMC

IDFC Asset Management Company Limited

IDFC Asset Management Company Limited manages assets worth 129,929 crores and was set up on 20 December 1999. It's current offering of mutual fund schemes includes 33 equity,199 debt and 32 hybrid funds.

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  • tel-amc-about
    022-66289999
  • mail-amc-about
    investormf@idfc.com
  • Fund NameScripbox Opinion
    Till Date CAGR

    6.4%

    7.4%

    5.1%

    5.7%

    5.2%

    5.1%

    5.2%

    5%

    -0.6%

    4.8%

    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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    About IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A)

    About IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A)

    IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) is a Credit Risk Debt fund and has delivered an annualised return of 5.2% over a period of 4 years. The fund was previously known as IDFC Credit Risk Reg Ann DR . The fund is managed by IDFC Asset Management Company Limited. The fund manager’s name is Arvind Subramanian

    IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) Investment Objective

    The Fund seeks to generate returns by investing predominantly in AA and below rated corporate debt securities across maturities. . However, there is no assurance that the objective of the scheme will be realized.

    IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) NAV,AUM,Risk

    The IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) fund was launched on Mar 03, 2017. The NAV (Net Asset Value) of this Credit Risk Debt fund as of 2021-12-06 is ₹10.48. The total AUM (Asset Under Management) of the fund as of 07/12/2021 is ₹859.066. The category risk of the IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) fund is Moderate Risk. The fund charges 1.6 % as expense ratio.

    IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) Holdings

    The fund’s highest allocation is towards Debt and has invested 71.1% in this asset class. The top three holdings of the fund are , triparty repo , 7.17% govt stock 2028 , tata power renewable energy limited , reliance industries limited , summit digitel infrastructure private limited , bharti hexacom limited , tata steel limited , hindalco industries limited , indusind bank limited , bank of baroda , net current assets , national highways authority of india , national highways authority of india , indian bank , indian railway finance corporation limited , national highways authority of india , 5.22% goi 2025 , first business receivables trust , housing development finance corporation limited , national highways authority of india , the tata power company limited , first business receivables trust , first business receivables trust , indian bank , first business receivables trust , first business receivables trust , first business receivables trust , first business receivables trust , first business receivables trust , first business receivables trust , first business receivables trust , first business receivables trust , first business receivables trust , first business receivables trust

    IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) Sip

    The minimum SIP (Systematic Investment Plan) amount for this is ₹null 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.

    IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) 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 CRISIL Short Term Credit Risk TR INR.

    IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) Review

    IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) has a score of 1 on a scale of 5. The fund has a score of 3 out of 5 based on historical performance. As compared to the other funds in its category, IDFC Credit Risk Fund of Income Distribution cum Capital Wdrl Opt (RIDCW-A) has a score of 3out of 5 The credit risk of the fund is 3 out of 5 as compared to other debt funds.

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