1 Lakh
Investment Grown to₹ 10000
Monthly SIP Declined toSuitability:
"Credit risk funds invest mainly in bonds which are rated AA or below by credit rating agencies. The lower rating indicates a higher possibility of these bonds defaulting on repayment of investors' money. Therefore, these funds are the riskiest among debt fund categories. But they compensate for this additional risk with a higher return potential as these bonds offer better rates of interest than the highest rated bonds.
However, retail investors can avoid these funds altogether. There are far too many kinds of debt funds with a highly nuanced classification based on the type or duration of bonds they can invest in. We believe that so many fund categories add to complexity which is easily avoidable. Retail investors can simply invest in Liquid funds for an investment horizon of up to one year and Short Duration funds for the fixed income allocation (which should be 100 per cent for an investment horizon of up to three years) in their longer-term portfolios."
Taxability of earnings:
Capital gains
Dividends
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YTD | 1-Day | 1-W | 1-M | 3-M | 6-M | 1-Y | 3-Y | 5-Y | 7-Y | 10-Y | |
---|---|---|---|---|---|---|---|---|---|---|---|
Kotak Credit Risk Reg-G | -1.73 | 0.04 | 0.05 | -2.56 | -2.54 | -1.57 | 1.35 | 5.39 | 5.75 | 6.84 | 7.59 |
CCIL T Bill Liquidity Weight | 0.55 | 0.02 | 0.03 | -0.02 | 0.25 | 0.81 | 1.89 | 2.76 | 3.34 | 3.74 | 4.28 |
Debt: Credit Risk | 9.60 | 0.02 | 0.04 | -0.66 | 8.11 | 9.97 | 15.82 | 3.73 | 4.19 | 5.60 | 7.27 |
Rank within category | 15 | 2 | 4 | 15 | 15 | 15 | 15 | 7 | 7 | 6 | 2 |
Number of funds in category | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 14 | 4 |
As on 19-May-2022
Fund name | Rating | Launch Date | 1-Year Return | 3-Year Return | 5-Year Return | Expense Ratio | Assets (Cr) |
---|---|---|---|---|---|---|---|
Kotak Credit Risk Fund Regular Plan | Invest Online | May-10 | 1.35 | 5.39 | 5.75 | 1.72% | 1,690 | |
HDFC Credit Risk Debt Fund - Regular Plan | Invest Online | Mar-14 | 3.78 | 7.82 | 7.03 | 1.57% | 8,925 | |
ICICI Prudential Credit Risk Fund | Invest Now | Dec-10 | 4.97 | 7.83 | 7.44 | 1.56% | 8,317 | |
SBI Credit Risk Fund | Invest Online | Jul-04 | 3.95 | 6.68 | 6.35 | 1.55% | 3,131 | |
Axis Credit Risk Fund - Regular Plan | Jul-14 | 3.62 | 5.30 | 5.71 | 1.66% | 719 |
Best Performance | Worst Performance | |||
---|---|---|---|---|
Return (%) | Period | Return (%) | Period | |
Week | 2.59 | 24-Mar-2020 - 31-Mar-2020 | -2.15 | 22-Apr-2020 - 29-Apr-2020 |
Month | 3.00 | 10-Jun-2020 - 10-Jul-2020 | -3.57 | 25-Feb-2020 - 26-Mar-2020 |
Quarter | 5.00 | 29-Apr-2020 - 29-Jul-2020 | -3.07 | 20-May-2013 - 19-Aug-2013 |
Year | 12.68 | 19-Aug-2013 - 19-Aug-2014 | 1.36 | 12-May-2021 - 13-May-2022 |
Mean | Std Dev | Sharpe | Sortino | Beta | Alpha | |
---|---|---|---|---|---|---|
Kotak Credit Risk Reg-G | 5.69 | 3.05 | 0.71 | 0.62 | -0.73 | 1.67 |
CCIL T Bill Liquidity Weight | 2.86 | 0.36 | -1.85 | -5.13 | -- | -- |
Debt: Credit Risk | 5.65 | 10.05 | 0.68 | 0.87 | -6.80 | -2.44 |
Rank within category | 8 | 7 | 7 | 9 | 10 | 5 |
Number of funds in category | 15 | 15 | 15 | 15 | 15 | 15 |
The Risk Measures have been calculated using calendar month returns for the last three years.
As on 30-Apr-2022
Fund | 1Y High | 1Y Low | Category | |
---|---|---|---|---|
Number of Securities | 36 | 49 | 33 | 31 |
Modified Duration (yrs) | 1.61 | 2.50 | 1.61 | 1.84 |
Average Maturity (yrs) | 2.46 | 3.90 | 2.46 | 2.48 |
Yield to Maturity (%) | 6.44 | 6.93 | 5.91 | 6.56 |
Avg Credit Rating | AA | -- | -- | -- |
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Company | Instrument | Credit Rating | 1Y Range | % Assets | |
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10.90% Punjab & Sind Bank | Additional Tier 1 Bond | A- | 6.26 - 6.87 | 6.87 |
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9.90% Coastal Gujarat Power 27/08/2028 | Debenture | AA | 6.06 - 6.55 | 6.55 |
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7.50% Godrej Properties 31/07/2023 | Zero Coupon Bonds | AA | 2.83 - 5.99 | 5.99 |
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6.32% Century Textiles & Industries 21/02/2025 | Debenture | AA | 0.00 - 5.89 | 5.89 |
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6.90% Aadhar Housing Finance 29/10/2024 | Debenture | AA | 0.00 - 5.87 | 5.87 |
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6.70% DLF Cyber City Developers 30/09/2024 | Debenture | AA | 0.00 - 5.81 | 5.81 |
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Bahadur Chand Investments 2024 | Zero Coupon Bonds | AA | 4.02 - 4.46 | 4.46 |
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Reserve Bank of India 182-D 04/08/2022 | Treasury Bills | SOV | 0.00 - 4.39 | 4.39 |
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5.70% Bajaj Housing Finance 2024 | Debenture | AAA | 4.00 - 5.64 | 4.39 |
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GOI 22/09/2033 | GOI Securities Floating Rate Bond | SOV | 0.00 - 4.81 | 4.11 |
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8.90% Prestige Projects Private 2026 | Debenture | A+ | 0.00 - 4.87 | 4.09 |
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9.25% Power Finance Corporation | Additional Tier 2 Bond | AAA | 3.61 - 3.89 | 3.89 |
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6.43% Godrej Industries 26/04/2024 | Non Convertible Debenture | AA | 0.00 - 3.54 | 3.54 |
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7.86% Karnataka State 15/03/2027 | State Development Loan | SOV | 0.00 - 3.07 | 3.07 |
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6.12% Karnataka State 22/07/2027 | State Development Loan | SOV | 2.65 - 2.84 | 2.84 |
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Vedanta 365-D 28/03/2023 | Commercial Paper | A1+ | 0.00 - 2.79 | 2.79 |
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10.15% Uttar Pradesh Power Corporation 20/01/2023 | Debenture | A+ | 0.06 - 2.68 | 2.07 |
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6.92% Godrej Industries 14/05/2025 | Debenture | AA | 0.00 - 2.60 | 1.77 |
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7.59% THDC India Ltd. 2026 | Bonds | AA | 0.00 - 1.50 | 1.50 |
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6.65% Tata Projects 18/12/2024 | Non Convertible Debenture | AA | 0.00 - 1.46 | 1.46 |
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6.60% Muthoot Finance 20/06/2023 | Debenture | AA+ | 0.00 - 0.89 | 0.89 |
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Muthoot Finance 19/04/2023 | Bonds/Debentures | AA+ | 0.79 - 2.25 | 0.79 |
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8.95% Jamnagar Utilities and Power 26/04/2023 | Debenture | AAA | 0.56 - 0.61 | 0.61 |
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9.05% Punjab National Bank | Additional Tier 2 Bond | AA+ | 0.28 - 0.30 | 0.30 |
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9.70% Uttar Pradesh Power Corporation 31/03/2028 | Bonds | A+ | 0.00 - 0.21 | 0.21 |
Indicates an increase or decrease or no change in holding since last portfolio
Indicates a new holding since last portfolio
As on 30-Apr-2022
— Deepak Agrawal since 12-Apr-2010
Education: Mr. Agrawal is Post Graduate in Commerce from Mumbai University, Chartered Accountant, Company Secretary and CFA.
Experience: He has been associated with Kotak AMC since 2000.
Funds Managed:
The scheme seeks to generate income by investing in debt /and money market securities across the yield curve and predominantly in AA rated and below corporate securities.
Min. Investment (₹) | 5,000 |
Min. Addl Investment (₹) | 1,000 |
Min. SIP Investment (₹) | 1,000 |
Min. No of Cheques | 6 |
Min. Withdrawal (₹) | 1,000 |
Min. Balance (₹) | 1,000 |
Lock-in Period | Not Applicable |
Exit Load | For units in excess of 6% of the investment,1% will be charged for redemption within 365 days |
Fund House: | Kotak Mahindra Mutual Fund |
Launch Date: | 11-May-2010 |
Return Since Launch: | 7.53% |
Benchmark: | NIFTY Credit Risk Bond Index C-III |
Riskometer: | High |
Type: | Open-ended |
Assets: | ₹ 1,690 Cr (As on 30-Apr-2022) |
Expense: | 1.72% (As on 30-Apr-2022) |
Risk Grade: | Average |
Return Grade: | Average |
Plan | Record Date | Dividend (₹ / Unit) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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IDCW Weekly | 14-Sep-2021 | 0.0150 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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IDCW Quarterly | 21-Jun-2021 | 0.1018 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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IDCW | 12-Mar-2021 | 0.6454 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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IDCW Monthly | 12-Mar-2021 | 0.0217 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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AMC: Kotak Mahindra Asset Management Company Ltd
Address: The Capital Building, Behind ICICI Bank, G Block BKC, Bandra Kurla Complex Bandra (E) Mumbai - 400051
Phone: 022-61152100 / 1800-22-2626
Fax: 022-66384455
Website: https://www.kotakmf.com/
Registrar & Transfer Agent: Computer Age Management Services Ltd.
Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002
Phone: 1800-3010-6767 / 1800-419-7676
Fax: 044-30407101
Email: [email protected]
Website: www.camsonline.com