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Two Credit risk funds side by side: returns, costs, size, risk and how much their portfolios overlap.
Kotak Credit Risk Fund vs SBI Credit Risk Fund, as of 9 Nov 2026: Kotak Credit Risk Fund NAV ₹36.60, 3Y CAGR 8.4%, expense ratio 0.81%; SBI Credit Risk Fund NAV ₹54.54, 3Y CAGR 8.5%, expense ratio 0.90%; about 3% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| Kotak Credit Risk Fund Direct Growth | SBI Credit Risk Fund Direct Growth | |
|---|---|---|
| Category | Credit risk | Credit risk |
| Fund house | Kotak Mahindra Mutual Fund | SBI Mutual Fund |
| Plan | Direct Plan · Growth | Direct Plan · Growth |
| NAV | ₹36.60 (9 Nov 2026) | ₹54.54 (9 Nov 2026) |
| 1Y return | 6.5% | 7.6% |
| 3Y CAGR | 8.4% | 8.5% |
| 5Y CAGR | 6.7% | 7.7% |
| Since launch (CAGR) | 8.2% | 8.6% |
| Expense ratio | 0.81% | 0.90% |
| AUM | ₹767 cr | ₹2,191 cr |
| Risk-o-meter | Moderately High | High |
| Benchmark | CRISIL Credit Risk Debt B-II Index | NIFTY Credit Risk Bond Index B-II |
| Exit load | 2% if redeemed/switch-out within 1 year from date of allotment and Nil after 1 year | — |
| Minimum SIP | ₹100 | ₹500 |
| Holdings | 41 | 46 |
| Top 10 holdings weight | 57.9% | 40.7% |
| Portfolio overlap | About 3% by weight, from the latest disclosed holdings | |
Returns are point-to-point for each plan, after its expense ratio; periods over one year are CAGR. Past performance is not indicative of future results.
Open in the compare tool: growth charts, SIP outcomes and shared holdings →SBI Credit Risk Fund has the higher 5-year CAGR (as of 9 Nov 2026): Kotak Credit Risk Fund 6.7% a year vs SBI Credit Risk Fund 7.7% a year. Past performance is not indicative of future results.
Kotak Credit Risk Fund costs less: Kotak Credit Risk Fund charges 0.81% a year and SBI Credit Risk Fund 0.90% a year.
SBI Credit Risk Fund is larger: Kotak Credit Risk Fund manages ₹767 cr and SBI Credit Risk Fund ₹2,191 cr (as of 9 Nov 2026).
About 3% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Kotak Credit Risk Fund is rated "Moderately High" and SBI Credit Risk Fund "High" on SEBI's risk-o-meter.
We don't give recommendations. Jivani Markets is not a SEBI-registered investment adviser or research analyst. Whether a fund suits you depends on your goals, horizon and risk appetite; speak to a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results.
Returns are for Direct plans, after expenses (TER is already in the NAV). Research, not advice: we do not say a fund suits you. Disclaimer