• Mutual Funds
  • Kotak Mutual Fund
  • Kotak Credit Risk Fund (PIDCW-M)

Formerly Kotak Credit Risk Reg Mn DP

Kotak Mutual Fund

Kotak Credit Risk Fund (PIDCW-M)

DebtCredit Risk


NAV (Sep 17)

3 Year CAGR
Scripbox Opinion
Click here for top ranked funds in credit risk mutual funds.

Credit risk funds provides relative safety of capital with growth at par with inflation and is suitable for investment objectives with duration of 1-5 years or longer.

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 ->

Fund Size


The performance of the fund on a Fund Size metric has been Good

Rolling Returns


The performance of the fund on a Rolling Returns metric has been Satisfactory

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Investment Calculator

Investment Duration5 years


Total Investment


Wealth Gained


Total Corpus Created (₹)

With CAGR of 11.25 % in 5 years

Historical NAV


NAV (Sep 17)

Fund Returns

Last 1Y
Last 3Y
Last 5Y
Last 10Y
Since Inception
6 Month CAGR

Scheme Information

Investment Objective

The investment objective of the scheme is to generate income by investing in debt /and money market securities across the yield curve and predominantly in AA rated and below corporate securities. The scheme would also seek to maintain reasonable liquidity within the fund.There is no assurance that the investment objective of the Schemes will be realised.

Expense Ratio
Launched (13y ago)
May 11, 2010
AUM in Crores
No Lock-in
NIFTY Credit Risk Bond C-III TR INR
SIP Minimum
Lumpsum Min.
Standard Deviation (3yr)
Standard Deviation (5yr)
Beta (3yr)
Beta (5yr)
Sharpe Ratio (3yr)
Sharpe Ratio (5yr)
Fund Managers

Palha Khanna

Fund Manager

Vihag Mishra

Fund Manager

sunit garg

Fund Manager

Deepak Agrawal

Fund Manager

Returns Calculator Comparison



with step up of

AssetReturnsTotal CorpusGainsCAGR
Kotak Credit Risk Fund (PIDCW-M)70%8,32,037 99,4255.3%
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.

Asset allocation and Holdings

Last updated on 2021-09-17

Top Debt Holdings

See all holdings

Comparison with Debt Funds

Fund NameFund SizeRolling Returns
ICICI Prudential Liquid Fund (G)
ICICI Prudential Liquid Fund (G)

₹ 44,468 cr

₹ 18,357 cr

₹ 10,408 cr

₹ 14,357 cr

₹ 15,536 cr

About the AMC

Kotak Mahindra Asset Management Co Ltd

Kotak Mahindra Asset Management Co Ltd manages assets worth 341,102 crores and was set up on 5 August 1994. It's current offering of mutual fund schemes includes 40 equity,177 debt and 19 hybrid funds.amc-img
Fund NameScripbox Opinion
Till Date CAGR











Kotak Credit Risk Fund (PIDCW-M) Review

Kotak Credit Risk Fund (PIDCW-M) is a Credit Risk Debt fund and has delivered an annualised return of 6.4% over a period of 13 years. The fund was previously known as Kotak Credit Risk Reg Mn DP. The fund is managed by Kotak Mahindra Asset Management Co Ltd. The fund managers are Deepak Agrawal, Palha Khanna, sunit garg, Vihag Mishra.

Nav of Kotak Credit Risk Fund (PIDCW-M) as of 9/17/2021 is ₹10.94 with the total AUM as of 10/4/2023 is ₹982.978. With Scripbox you can compare and check the latest nav for all mutual funds in India. Kotak Credit Risk Fund (PIDCW-M) was launched on May 11, 2010. The category risk of the fund is High Risk.

The minimum SIP amount for Kotak Credit Risk Fund (PIDCW-M) is ₹0 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. Check your estimated returns on mutual funds by using sip calculator.

Kotak Credit Risk Fund (PIDCW-M) 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 C-III TR INR.

Kotak Credit Risk Fund (PIDCW-M) is rated as a 3 fund in Debt and delivered 6.8% returns in the last 1 year. Scripbox provides a compare mutual funds research tool to view a detailed comparison with Kotak Credit Risk Fund (PIDCW-M).

Frequently Asked Questions

What is Kotak Credit Risk Fund (PIDCW-M)?

Kotak Credit Risk Fund (PIDCW-M) is a Credit Risk Debt scheme predominantly investing across Debt instruments with an investment objective to generate wealth over the long term.

How to invest in Kotak Credit Risk Fund (PIDCW-M)?

You can invest in Kotak Credit Risk Fund (PIDCW-M) through AMC, intermediaries, brokers or platforms like Scripbox. To learn step by step process visit how to invest in mutual funds?

What is the minimum sip amount of Kotak Credit Risk Fund (PIDCW-M)?

The minimum sip amount for Kotak Credit Risk Fund (PIDCW-M) is ₹0. You can invest in multiples of ₹5000.

Is Kotak Credit Risk Fund (PIDCW-M) good to invest in?

As per Scripbox experts, Kotak Credit Risk Fund (PIDCW-M) is a Neutral fund. You can investKotak Credit Risk Fund (PIDCW-M) fund if its investment objective and risk-o-meter matches your investment goals and risk preferences.

What is the expense ratio of the Kotak Credit Risk Fund (PIDCW-M)?

The expense ratio of the Kotak Credit Risk Fund (PIDCW-M) is 1.7% for regular plan.