holdings

Kotak Credit Risk Fund Direct-Growth

Debt: Credit Risk - Growth (Open ended)

Kotak Credit Risk Fund Direct-GrowthNAV: 35.89 as on 07 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: HighCategory: Debt: Credit RiskBenchmark: CRISIL Credit Risk Debt B-II Index

NAV: ₹35.89-0.17%

08 Jul 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Kotak Credit Risk Fund Direct-Growth.

Asset Allocation

As on 30 Jun 2026

Debt

87.23%

Real estate

9.79%

Others

2.98%

Historical Asset Allocation

Asset	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Equity	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Debt	87.23%	87.47%	78.11%	88.81%	87.41%	85.73%
Others (incl. cash)	2.98%	3.84%	13.03%	1.36%	2.66%	4.41%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	9.79%	8.69%	8.86%	9.83%	9.93%	9.86%

Portfolio Snapshot

No. of Securities

Top Holding %

7.23%

Top 5 Holdings %

33.46%

Top 10 Holdings %

58.88%

Modified Duration

1.93 yrs

Avg. Maturity

2.93 yrs

Yield to Maturity

8.95%

AUM

₹768 Cr

Expense Ratio

0.80%

Since Inception

8.25%

Max Drawdown

-0.04%

Sharpe Ratio

1.64

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	55.53	7.23%	0.08%↑
Vedanta Ltd - Pref. Shares 7.50	Metals & Mining	5,000	50.52	6.58%	-0.01%↓
Muthoot Finance Ltd.	Financial	5,000	50.48	6.57%	0.00%
Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A	Services	5,000	50.27	6.55%	-0.02%↓
Tata Projects Ltd.	Construction	5,000	50.16	6.53%	-0.02%↓
Aditya Birla Real Estate Ltd.	Consumer Staples	4,500	45.48	5.92%	0.06%↑
Karnataka State	Others	45,00,000	45.25	5.89%	0.07%↑
Aditya Birla Renewables Ltd.	Energy	4,000	40.11	5.22%	-0.02%↓
AU Small Finance Bank Ltd.	Financial	30	30.13	3.92%	-0.01%↓
National Bank For Agriculture & Rural Development	Financial	2,500	25.08	3.27%	0.01%↑
Karnataka State	Others	25,00,000	25.06	3.26%	0.03%↑
360 ONE Wealth Ltd.	Financial	2,500	25.06	3.26%	-0.03%↓
REC Ltd.	Financial	2,500	24.78	3.23%	0.01%↑
Aadhar Housing Finance Ltd	Financial	2,000	20.09	2.62%	0.00%
Aadhar Housing Finance Ltd	Financial	2,000	20.13	2.62%	-0.01%↓
GOI	Sovereign	20,00,000	19.62	2.56%	0.03%↑
Andhra Pradesh State Beverages Corporation Ltd.	Consumer Staples	1,500	15.15	1.97%	-0.02%↓
THDC India Ltd.	Construction	100	10	1.30%	-0.01%↓
Godrej Seeds & Genetics Ltd.	Consumer Staples	625	6.21	0.81%	0.01%↑
Godrej Seeds & Genetics Ltd.	Consumer Staples	625	6.22	0.81%	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	43.18%	26.16%
AA+	14.59%	4.29%
SOV	12.36%	8.12%
A+	8.80%	3.61%
AAA	7.75%	5.60%
Cash & Call Money	2.98%	21.99%
Others	0.55%	0.25%
A	-	0.66%
A-	-	0.33%
A1+	-	1.42%
AA-	-	3.63%
B+	-	4.35%
B-	-	3.93%

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	7.23%
Vedanta Ltd - Pref. Shares 7.50	Debenture	9.50%	20/08/2027	ICRA AA+	6.58%
Muthoot Finance Ltd.	Debenture	0.00%	26/07/2029	CRISIL AA+	6.57%
Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A	Debenture	10.81%	31/01/2028	ICRA A+(CE)	6.55%
Tata Projects Ltd.	Bonds/NCDs	8.25%	28/04/2027	CRISIL AA	6.53%
Aditya Birla Real Estate Ltd.	Non Convertible Debenture	8.55%	30/08/2029	CARE AA	5.92%
Karnataka State	State Development Loan	7.49%	04/02/2035	SOV	5.89%
Aditya Birla Renewables Ltd.	Bonds/NCDs	8.60%	24/09/2027	CRISIL AA	5.22%
AU Small Finance Bank Ltd.	Non Convertible Debenture	9.30%	03/08/2032	CRISIL AA	3.92%
National Bank For Agriculture & Rural Development	Bonds	7.44%	24/02/2028	CRISIL AAA	3.27%
360 ONE Wealth Ltd.	Debenture	0.00%	25/07/2028	ICRA AA	3.26%
Karnataka State	State Development Loan	7.47%	25/08/2036	SOV	3.26%
REC Ltd.	Debenture	6.52%	31/01/2028	ICRA AAA	3.23%
Aadhar Housing Finance Ltd	Debenture	8.65%	21/08/2027	ICRA AA	2.62%
Aadhar Housing Finance Ltd	Debenture	8.37%	29/05/2028	ICRA AA	2.62%
GOI	GOI Securities	6.48%	06/10/2035	SOV	2.56%
Andhra Pradesh State Beverages Corporation Ltd.	Bonds	9.15%	30/11/2028	FITCH AA(CE)	1.97%
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	0.81%
Godrej Seeds & Genetics Ltd.	Non Convertible Debenture	7.68%	28/01/2028	CRISIL AA	0.81%
Godrej Seeds & Genetics Ltd.	Non Convertible Debenture	7.68%	27/10/2028	CRISIL AA	0.81%
Godrej Seeds & Genetics Ltd.	Non Convertible Debenture	7.68%	28/07/2028	CRISIL AA	0.81%
Nirma Ltd.	Debenture	8.50%	07/04/2027	FITCH AA	0.65%
GOI	GOI Securities	7.24%	18/08/2055	SOV	0.65%
Vajra Trust	Securitised Debt	0.00%	0	ICRA AAA(SO)	0.54%
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)	0.46%
Dhruva Trust	Securitised Debt	0.00%	0	ICRA AAA(SO)	0.36%
Sansar Trust	Securitised Debt	0.00%	25/06/2030	CRISIL AAA(SO)	0.35%
Uttar Pradesh Power Corporation Ltd	Bonds	9.70%	31/03/2027	CRISIL A+(CE)	0.34%
Uttar Pradesh Power Corporation Ltd	Debenture	9.95%	29/03/2030	CRISIL A+(CE)	0.27%
Uttar Pradesh Power Corporation Ltd	Debenture	9.95%	31/03/2028	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%	31/03/2027	CRISIL A+(CE)	0.20%
Surat Municipal Corporation	Municipal Bond	0.00%	13/10/2029	CRISIL AA+	0.07%
Surat Municipal Corporation	Municipal Bond	0.00%	13/10/2030	CRISIL AA+	0.07%
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 sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.

How many stocks does Kotak Credit Risk Fund Direct-Growth hold in its portfolio?

Kotak Credit Risk Fund Direct-Growth holds 42 securities in its portfolio. The top 5 holdings account for 33.46% of the portfolio and the top 10 for 58.88%.

What is the sector allocation of Kotak Credit Risk Fund Direct-Growth?

The sector allocation of Kotak Credit Risk Fund Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.

What is the equity and debt allocation of Kotak Credit Risk Fund Direct-Growth?

As of 30 Jun 2026, Kotak Credit Risk Fund Direct-Growth has 0.00% in equity, 87.23% in debt and 2.98% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 8.95%.

What is the market cap allocation of Kotak Credit Risk Fund Direct-Growth?

The market cap distribution of Kotak Credit Risk Fund Direct-Growth — Large, Mid and Small Cap — is shown as a chart in the Holdings Analysis section.

Is Kotak Credit Risk Fund Direct-Growth a concentrated or diversified fund?

Kotak Credit Risk Fund Direct-Growth holds 42 securities, with the top 10 accounting for 58.88% of the portfolio and the top 5 for 33.46%. This is a moderately diversified fund balancing conviction positions with risk spread.

What is the credit quality of Kotak Credit Risk Fund Direct-Growth?

The debt holdings of Kotak Credit Risk Fund Direct-Growth are rated as follows — AA: 43.18%, AA+: 14.59%, SOV: 12.36%, A+: 8.80%, and others. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.

How often does Kotak Credit Risk Fund Direct-Growth change its portfolio?

The portfolio currently holds 42 securities with the top 10 accounting for 58.88% as of 30 Jun 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.

What is the PE ratio of Kotak Credit Risk Fund Direct-Growth's portfolio?

The portfolio-level PE, PB and debt metrics of Kotak Credit Risk Fund Direct-Growth are in the Holdings Analysis section. These help assess whether the portfolio is invested in relatively cheap or expensive securities.

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 Jun 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.

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Asset

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Equity

0.00%

Debt

87.23%

87.47%

78.11%

88.81%

87.41%

85.73%

Others (incl. cash)

2.98%

3.84%

13.03%

1.36%

2.66%

4.41%

Commodities

0.00%

Real Estate

9.79%

8.69%

8.86%

9.83%

9.93%

9.86%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

Jubilant Bevco Ltd.

Consumer Staples

500

55.53

7.23%

0.08%↑

Vedanta Ltd - Pref. Shares 7.50

Metals & Mining

5,000

50.52

6.58%

-0.01%↓

Muthoot Finance Ltd.

Financial

5,000

50.48

6.57%

0.00%

Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A

Services

5,000

50.27

6.55%

-0.02%↓

Tata Projects Ltd.

Construction

5,000

50.16

6.53%

-0.02%↓

Aditya Birla Real Estate Ltd.

Consumer Staples

4,500

45.48

5.92%

0.06%↑

Karnataka State

Others

45,00,000

45.25

5.89%

0.07%↑

Aditya Birla Renewables Ltd.

Energy

4,000

40.11

5.22%

-0.02%↓

AU Small Finance Bank Ltd.

Financial

30.13

3.92%

-0.01%↓

National Bank For Agriculture & Rural Development

Financial

2,500

25.08

3.27%

0.01%↑

Karnataka State

Others

25,00,000

25.06

3.26%

0.03%↑

360 ONE Wealth Ltd.

Financial

2,500

25.06

3.26%

-0.03%↓

REC Ltd.

Financial

2,500

24.78

3.23%

0.01%↑

Aadhar Housing Finance Ltd

Financial

2,000

20.09

2.62%

0.00%

Aadhar Housing Finance Ltd

Financial

2,000

20.13

2.62%

-0.01%↓

GOI

Sovereign

20,00,000

19.62

2.56%

0.03%↑

Andhra Pradesh State Beverages Corporation Ltd.

Consumer Staples

1,500

15.15

1.97%

-0.02%↓

THDC India Ltd.

Construction

100

1.30%

-0.01%↓

Godrej Seeds & Genetics Ltd.

Consumer Staples

625

6.21

0.81%

0.01%↑

Godrej Seeds & Genetics Ltd.

Consumer Staples

625

6.22

0.81%

0.00%

Sector

31 Aug 2022

31 Jul 2022

30 Sep 2021

Construction

4.48%

4.04%

2.08%

Rating

Fund