Formerly L&T Credit Risk DR
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.
12 Years. The Fund has Sufficient history for analysis and the track record is good.
183 Cr. Small within the category
Impact of Interest Rate Changes
Moderate Interest Rate Risk. The impact on fund value is moderate 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
NAV (Dec 6)
6 Month CAGR
To generate regular returns and capital appreciation by investing predominantly in AA and below rated corporate bonds,debt,government securities and money market instruments.There is no assurance that the investment objective of the scheme will be realized.
Low to Moderate
Launched (12y ago)
Oct 08, 2009
AUM in Crores
IISL NIFTY Credit Risk Bond Index TR INR
with step up of
|Instrument||Returns||Total Corpus||Gains||Annualised %|
|Mutual Fund||₹ 9,65,796||₹ 2,33,184||11.25%|
|EPF||₹ 9,00,761||₹ 1,68,149||8.50%|
|Property||₹ 8,67,662||₹ 1,35,050||7.00%|
|PPF||₹ 8,69,819||₹ 1,37,207||7.10%|
|Bank FD||₹ 8,46,471||₹ 1,13,859||6.00%|
|Gold||₹ 8,46,471||₹ 1,13,859||6.00%|
|Savings Bank||₹ 8,25,950||₹ 93,338||5.00%|
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.
|Fund Name||Scripbox Opinion||Fund Size||Track Record|
₹ 13,499 cr
₹ 33,567 cr
₹ 11,691 cr
₹ 31,118 cr
₹ 27,296 cr
L&T Investment Management Ltd
L&T Investment Management Ltd manages assets worth 81,879 crores and was set up on 25 April 1996. It's current offering of mutual fund schemes includes 36 equity,71 debt and 24 hybrid funds.
|Fund Name||Scripbox Opinion||Till Date CAGR|
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L&T Credit Risk Fund of Income Dis cum Cap wdrl (RIDCW-M) is a Credit Risk Debt fund and has delivered an annualised return of 5.7% over a period of 12 years. The fund was previously known as L&T Credit Risk DR . The fund is managed by L&T Investment Management Ltd. The fund managers are Jalpan Shah, Shriram Ramanathan
To generate regular returns and capital appreciation by investing predominantly in AA and below rated corporate bonds,debt,government securities and money market instruments.There is no assurance that the investment objective of the scheme will be realized. . However, there is no assurance that the objective of the scheme will be realized.
The L&T Credit Risk Fund of Income Dis cum Cap wdrl (RIDCW-M) fund was launched on Oct 08, 2009. The NAV (Net Asset Value) of this Credit Risk Debt fund as of 2021-12-06 is ₹10.30. The total AUM (Asset Under Management) of the fund as of 07/12/2021 is ₹182.038. The category risk of the L&T Credit Risk Fund of Income Dis cum Cap wdrl (RIDCW-M) fund is Moderate Risk. The fund charges 1.66 % as expense ratio.
The fund’s highest allocation is towards Debt and has invested 64.6% in this asset class. The top three holdings of the fund are , (a) tri party repo dealing system (treps)/reverse repo , 5.22% goi 2025 , india infoline housing finance limited , hinduja leyland finance limited , 7.35% govt stock 2024 , manappuram finance limited , tata projects limited , godrej industries limited , telesonic networks limited , oriental nagpur betul highway private limited , coastal gujarat power limited , india grid trust , national bank for agriculture and rural development , yarrow infrastructure private limited , 182 dtb 30122021 , rattanindia solar 2 private limited , sepset constructions limited , piramal capital & housing finance ltd , malwa solar power generation private limited , (b) net receivables/(payables) , citra real estate limited , priapus infrastructure limited
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 ₹ 10000.
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 IISL NIFTY Credit Risk Bond Index TR INR.
L&T Credit Risk Fund of Income Dis cum Cap wdrl (RIDCW-M) has a score of 2 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, L&T Credit Risk Fund of Income Dis cum Cap wdrl (RIDCW-M) has a score of 2out of 5 The credit risk of the fund is 3 out of 5 as compared to other debt funds.
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