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  • Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A)

Formerly Nippon India Credit Risk DR

Nippon Mutual Fund

Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A)

DebtCredit Risk

14.8906

NAV (Oct 13)

3.2%
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 an Extended history for analysis and the track record is excellent.

Relative Size

1,014 Cr. Medium 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

Highest Credit Risk. The fund has poor 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

14.8906

NAV (Oct 13)

Fund Returns

Last 1Y
14.8%
Last 3Y
3.2%
Last 5Y
4.4%
Last 10Y
NA
Since Inception
5.9%
6 Month CAGR
10%
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Scheme Information

Investment Objective

The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

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High Risk

Expense Ratio
1.64
Launched (7y ago)
Oct 27, 2014
AUM in Crores
1013.622
ISIN
INF204KA1WS2
Lock-in
No Lock-in
Benchmark
NIFTY Credit Risk Bond TR INR
SIP Minimum
1000
Lumpsum Min.
5000
Fund Managers
user-avatar

Kinjal Desai

Fund Manager

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Sushil Budhia

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
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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

Nippon Life India Asset Management Ltd

Nippon Life India Asset Management Ltd manages assets worth 238,298 crores and was set up on 24 February 1995. It's current offering of mutual fund schemes includes 90 equity,369 debt and 34 hybrid funds.

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  • tel-amc-about
    022-33031000
  • mail-amc-about
    customer_care@reliancemutual.com
  • Fund NameScripbox Opinion
    Till Date CAGR
    recommended-badge

    5%

    7%

    recommended-badge

    29.1%

    23%

    top-ranked-badge

    4.3%

    6.7%

    top-ranked-badge

    27.6%

    22.7%

    top-ranked-badge

    3.5%

    5.4%

    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 Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A)

    About Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A)

    Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) is a Credit Risk Debt fund and has delivered an annualised return of 5.9% over a period of 6 years. The fund was previously known as Nippon India Credit Risk DR . The fund is managed by Nippon Life India Asset Management Ltd. The fund managers are Kinjal Desai, Sushil Budhia

    Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) Investment Objective

    The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments. . However, there is no assurance that the objective of the scheme will be realized.

    Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) NAV,AUM,Risk

    The Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) fund was launched on Oct 27, 2014. The NAV (Net Asset Value) of this Credit Risk Debt fund as of 2021-10-13 is ₹14.89. The total AUM (Asset Under Management) of the fund as of 14/10/2021 is ₹1013.622. The category risk of the Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) fund is High Risk. The fund charges 1.64 % as expense ratio.

    Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) Holdings

    The fund’s highest allocation is towards Debt and has invested 82.5% in this asset class. The top three holdings of the fund are , triparty repo , net current assets , renew wind energy (rajasthan one) private limited , innovation trust xxx , tata realty and infrastructure limited , 8.33% govt stock 2026 , l&t metro rail (hyderabad) limited , bharti hexacom limited , jsw steel limited , tata steel limited , piramal capital & housing finance limited , u.p. power corporation limited , embassy office parks reit , hero solar energy private limited , summit digitel infrastructure private limited , state bank of india , asirvad micro finance limited , godrej industries limited , vedanta limited , telesonic networks limited , veritas finance private limited , first business receivables trust , hindalco industries limited , state bank of india , tmf holdings limited , vivriti capital private limited , 5.22% goi 2025 , ashoka concessions limited , ashoka concessions limited , ess kay fincorp limited , nirma limited , trust investment advisors private limited , ess kay fincorp limited , ashoka concessions limited , ashoka concessions limited , u.p. power corporation limited , u.p. power corporation limited

    Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) 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.

    Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (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 NIFTY Credit Risk Bond TR INR.

    Nippon India Credit Risk Fund Inc Dist cum Cap Wdrl (RIDCW-A) Review

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

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