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Kotak Credit Risk Fund Direct-Growth
Debt: Credit Risk - Growth (Open ended)
SEBI Riskometer: Moderately HighCategory: Debt: Credit RiskBenchmark: CRISIL Credit Risk Debt B-II IndexCheck Portfolio Overlap →
NAV: ₹36.17-0.11%
23 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Kotak Credit Risk Fund Direct-Growth.
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 79.93% | 79.98% | 86.58% | 87.23% | 87.47% | 78.11% |
| Others (incl. cash) | 10.24% | 10.05% | 3.46% | 2.98% | 3.84% | 13.03% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 9.83% | 9.97% | 9.96% | 9.79% | 8.69% | 8.86% |
Portfolio Snapshot
No. of Securities
42
Top Holding %
10.24%
Top 5 Holdings %
37.12%
Top 10 Holdings %
63.13%
Modified Duration
1.43 yrs
Avg. Maturity
2.26 yrs
Yield to Maturity
8.52%
AUM
₹769 Cr
Expense Ratio
0.81%
Since Inception
8.13%
Max Drawdown
-0.04%
Sharpe Ratio
1.68
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| Jubilant Bevco Ltd. | Consumer Staples | 500 | 56.24 | 7.31% | 0.08%↑ |
| Vedanta Ltd - Pref. Shares 7.50 | Metals & Mining | 5,000 | 50.37 | 6.55% | 0.03%↑ |
| Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A | Services | 5,000 | 50.16 | 6.52% | 0.03%↑ |
| Tata Projects Ltd. | Construction | 5,000 | 49.96 | 6.50% | 0.03%↑ |
| Muthoot Finance Ltd. | Financial | 5,000 | 49.94 | 6.49% | 0.06%↑ |
| Aditya Birla Real Estate Ltd | Consumer Staples | 4,500 | 44.71 | 5.81% | -0.01%↓ |
| Aditya Birla Renewables Ltd. | Energy | 4,000 | 40 | 5.20% | 0.02%↑ |
| AU Small Finance Bank Ltd. | Financial | 30 | 30.06 | 3.91% | 0.02%↑ |
| 360 ONE Wealth Ltd. | Financial | 2,500 | 25.12 | 3.27% | 0.04%↑ |
| MAS Financial Services Ltd. | Financial | 2,500 | 24.75 | 3.22% | 0.03%↑ |
| REC Ltd. | Financial | 2,500 | 24.64 | 3.20% | 0.01%↑ |
| Karnataka State | Others | 25,00,000 | 24.37 | 3.17% | -0.03%↓ |
| Aadhar Housing Finance Ltd | Financial | 2,000 | 20.09 | 2.61% | 0.01%↑ |
| Aadhar Housing Finance Ltd | Financial | 2,000 | 19.92 | 2.59% | 0.00% |
| GOI | Sovereign | 20,00,000 | 19.1 | 2.48% | -0.03%↓ |
| Andhra Pradesh State Beverages Corporation Ltd. | Consumer Staples | 1,500 | 15.26 | 1.98% | 0.01%↑ |
| THDC India Ltd. | Construction | 100 | 10 | 1.30% | 0.01%↑ |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 625 | 6.15 | 0.80% | 0.00% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 625 | 6.19 | 0.80% | 0.00% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 625 | 6.17 | 0.80% | 0.00% |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 31 Aug 2022 | 31 Jul 2022 | 30 Sep 2021 |
|---|---|---|---|
| Construction | 4.48% | 4.04% | 2.08% |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AA | 37.83% | 18.24% |
| AA+ | 19.68% | 5.29% |
| Cash & Call Money | 10.24% | 25.23% |
| A+ | 8.57% | 1.60% |
| SOV | 6.30% | 6.78% |
| AAA | 3.78% | 7.80% |
| AA- | 3.22% | 6.56% |
| Others | 0.55% | 2.33% |
| A | - | 0.83% |
| A- | - | 0.51% |
| A1+ | - | 2.83% |
| B+ | - | 1.49% |
| B- | - | 2.35% |
| BBB | - | 0.73% |
| BBB+ | - | 0.04% |
| C | - | 0.01% |
| Cash | - | 0.15% |
| D | - | 0.01% |
| Term Deposits | - | 0.37% |
| Unrated | - | 0.02% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| Jubilant Bevco Ltd. | Debenture | 0.00% | 31/05/2028 | CRISIL AA | 7.31% |
| Vedanta Ltd - Pref. Shares 7.50 | Debenture | 9.50% | 20/08/2027 | ICRA AA+ | 6.55% |
| Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A | Debenture | 10.81% | 31/01/2028 | ICRA A+(CE) | 6.52% |
| Tata Projects Ltd. | Bonds/NCDs | 8.25% | 28/04/2027 | CRISIL AA | 6.50% |
| Muthoot Finance Ltd. | Debenture | 0.00% | 26/07/2029 | CRISIL AA+ | 6.49% |
| Aditya Birla Real Estate Ltd | Non Convertible Debenture | 8.55% | 30/08/2029 | CARE AA | 5.81% |
| Aditya Birla Renewables Ltd. | Bonds/NCDs | 8.60% | 24/09/2027 | CRISIL AA | 5.20% |
| AU Small Finance Bank Ltd. | Non Convertible Debenture | 9.30% | 03/08/2032 | CRISIL AA | 3.91% |
| 360 ONE Wealth Ltd. | Debenture | 0.00% | 25/07/2028 | ICRA AA | 3.27% |
| MAS Financial Services Ltd. | Non Convertible Debenture | 0.00% | 12/06/2028 | CARE AA- | 3.22% |
| REC Ltd. | Debenture | 6.52% | 31/01/2028 | ICRA AAA | 3.20% |
| Karnataka State | State Development Loan | 7.47% | 25/08/2036 | SOV | 3.17% |
| Aadhar Housing Finance Ltd | Debenture | 8.65% | 21/08/2027 | ICRA AA+ | 2.61% |
| Aadhar Housing Finance Ltd | Debenture | 8.37% | 29/05/2028 | ICRA AA+ | 2.59% |
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 2.48% |
| Andhra Pradesh State Beverages Corporation Ltd. | Bonds | 9.15% | 30/11/2028 | FITCH AA(CE) | 1.98% |
| THDC India Ltd. | Bonds | 7.59% | 03/10/2026 | CARE AA+ | 1.30% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 28/04/2028 | CRISIL AA | 0.80% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 28/07/2028 | CRISIL AA | 0.80% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 27/10/2028 | CRISIL AA | 0.80% |
| Godrej Seeds & Genetics Ltd. | Non Convertible Debenture | 7.68% | 28/01/2028 | CRISIL AA | 0.80% |
| Nirma Ltd. | Debenture | 8.50% | 07/04/2027 | FITCH AA | 0.65% |
| GOI | GOI Securities | 7.71% | 18/05/2066 | SOV | 0.65% |
| Uttar Pradesh Power Corporation Ltd | Bonds | 9.70% | 31/03/2028 | CRISIL A+(CE) | 0.46% |
| Uttar Pradesh Power Corporation Ltd | Bonds | 9.70% | 30/03/2029 | CRISIL A+(CE) | 0.45% |
| Dhruva Trust | Securitised Debt | 0.00% | 0 | ICRA AAA(SO) | 0.31% |
| Uttar Pradesh Power Corporation Ltd | Debenture | 9.95% | 29/03/2030 | CRISIL A+(CE) | 0.26% |
| Uttar Pradesh Power Corporation Ltd | Debenture | 9.95% | 30/03/2029 | CRISIL A+(CE) | 0.26% |
| Uttar Pradesh Power Corporation Ltd | Debenture | 9.95% | 31/03/2028 | CRISIL A+(CE) | 0.26% |
| Uttar Pradesh Power Corporation Ltd | Bonds | 9.70% | 31/03/2027 | CRISIL A+(CE) | 0.23% |
| Sansar Trust | Securitised Debt | 0.00% | 25/06/2030 | CRISIL AAA(SO) | 0.21% |
| Uttar Pradesh Power Corporation Ltd | Debenture | 9.95% | 31/03/2027 | CRISIL A+(CE) | 0.13% |
| Surat Municipal Corporation | Municipal Bond | 0.00% | 13/10/2030 | CRISIL AA+ | 0.07% |
| Surat Municipal Corporation | Municipal Bond | 0.00% | 13/10/2029 | CRISIL AA+ | 0.07% |
| Vajra Trust | Securitised Debt | 0.00% | 0 | ICRA AAA(SO) | 0.06% |
| Yes Bank Ltd. | Additional Tier 1 Bond | 9.00% | 0 | ICRA D | 0.00% |
Frequently Asked Questions
What are the top holdings of Kotak Credit Risk Fund Direct-Growth?
The top holdings of Kotak Credit Risk Fund Direct-Growth as of 30 Sep 2026 are Others (10.24%), Jubilant Bevco Ltd. (7.31%), Vedanta Ltd - Pref. Shares 7.50 (6.55%), Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A (6.52%), Tata Projects Ltd. (6.50%). These top 5 stocks together account for 37.12% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Kotak Credit Risk Fund Direct-Growth hold in its portfolio?
Kotak Credit Risk Fund Direct-Growth holds 42 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Kotak Credit Risk Fund Direct-Growth?
As of 31 Aug 2022, Kotak Credit Risk Fund Direct-Growth's top sector allocations are Construction (4.48%). You can find detailed sector allocation above.
What is the equity and debt allocation of Kotak Credit Risk Fund Direct-Growth?
As of 30 Sep 2026, Kotak Credit Risk Fund Direct-Growth has 0.00% allocated to equity, and 79.93% to debt. You can also check the historical trends above.
What is the market cap allocation of Kotak Credit Risk Fund Direct-Growth?
The market cap allocation of Kotak Credit Risk Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the PE ratio of Kotak Credit Risk Fund Direct-Growth's portfolio?
The portfolio PE ratio of Kotak Credit Risk Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the credit quality of Kotak Credit Risk Fund Direct-Growth?
As of 30 Sep 2026, Kotak Credit Risk Fund Direct-Growth's debt portfolio has 3.78% in AAA-rated instruments, 37.83% in AA-rated, and 6.30% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Kotak Credit Risk Fund Direct-Growth?
The latest portfolio disclosure for Kotak Credit Risk Fund Direct-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.