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Our Opinion
Riskometer
High
₹35.0271 0.01%
As on 12-Jun-2025
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
|
Fund name
|
Rating |
Our Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
ICICI Prudential Credit Risk Fund - Direct Plan
|
|
|
High
|
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0.76 |
|
 |
|
High
|
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0.70 |
||
 |
|
Moderately High
|
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1.03 |
||
|
|
High
|
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0.89 |
||
|
|
High
|
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0.67 |
₹6,135 Cr
1.00 (365)
100
1
100
6
Investment Strategy
The scheme seeks to generate income through investing predominantly in AA and below rated corporate bonds while maintaining the optimum balance of yield, safety and liquidity.
Suitability
"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."
Capital Gains Taxation
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
4 min read•By Aarati Krishnan
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of ICICI Prudential Credit Risk Fund - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, ICICI Prudential Credit Risk Fund - Direct Plan can be bought from the ICICI Prudential Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
The latest declared NAV of ICICI Prudential Credit Risk Fund - Direct Plan, is ₹35.0271 as of 13-Jun-2025.
| Company | Percentage of Portfolio |
|---|---|
|
GOI Sec 7.10 08/04/2034 |
8.17
|
|
Embassy Office |
4.21
|
|
GOI Sec 6.79 07/10/2034 |
4.05
|
|
Varroc Engineering Ltd NCD 8.60 07/09/2028 |
3.57
|
|
Millenia Realtors Pvt Ltd ZCB 9.90 17/04/2026 |
3.45
|
Over the past five years, ICICI Prudential Credit Risk Fund - Direct Plan has delivered an annualised return of 8.46% as of 13-Jun-2025.
The minimum investment required to start investing in ICICI Prudential Credit Risk Fund - Direct Plan is ₹100 for the lump sum option and ₹100 for the SIP (Systematic Investment Plan) option.
