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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 ICICI Prudential Credit Risk Fund, as of 9 Nov 2026: Kotak Credit Risk Fund NAV ₹36.60, 3Y CAGR 8.4%, expense ratio 0.81%; ICICI Prudential Credit Risk Fund NAV ₹39.00, 3Y CAGR 8.9%, expense ratio 0.80%; about 16% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| Kotak Credit Risk Fund Direct Growth | ICICI Prudential Credit Risk Fund Direct Growth | |
|---|---|---|
| Category | Credit risk | Credit risk |
| Fund house | Kotak Mahindra Mutual Fund | ICICI Prudential Mutual Fund |
| Plan | Direct Plan · Growth | Direct Plan · Growth |
| NAV | ₹36.60 (9 Nov 2026) | ₹39.00 (9 Nov 2026) |
| 1Y return | 6.5% | 7.4% |
| 3Y CAGR | 8.4% | 8.9% |
| 5Y CAGR | 6.7% | 8.0% |
| Since launch (CAGR) | 8.2% | 8.9% |
| Expense ratio | 0.81% | 0.80% |
| AUM | ₹767 cr | ₹6,326 cr |
| Risk-o-meter | Moderately High | High |
| Benchmark | CRISIL Credit Risk Debt B-II Index | CRISIL Credit Risk Debt B-II Index |
| Exit load | 2% if redeemed/switch-out within 1 year from date of allotment and Nil after 1 year | In terms of SEBI circular no. SEBI/IMD/CIR No. 4/ 168230/09 dated June 30, 2009 it is notified that w.e.f. August 01, 2009 there will be no entry load charged to the schemes of the Mutual Fund and the upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment… |
| Minimum SIP | ₹100 | — |
| Holdings | 41 | 99 |
| Top 10 holdings weight | 57.9% | 31.2% |
| Portfolio overlap | About 16% 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 →ICICI Prudential Credit Risk Fund has the higher 5-year CAGR (as of 9 Nov 2026): Kotak Credit Risk Fund 6.7% a year vs ICICI Prudential Credit Risk Fund 8.0% a year. Past performance is not indicative of future results.
ICICI Prudential Credit Risk Fund costs less: Kotak Credit Risk Fund charges 0.81% a year and ICICI Prudential Credit Risk Fund 0.80% a year.
ICICI Prudential Credit Risk Fund is larger: Kotak Credit Risk Fund manages ₹767 cr and ICICI Prudential Credit Risk Fund ₹6,326 cr (as of 9 Nov 2026).
About 16% 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 ICICI Prudential 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