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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 HDFC Credit Risk Fund, as of 9 Nov 2026: Kotak Credit Risk Fund NAV ₹36.60, 3Y CAGR 8.4%, expense ratio 0.81%; HDFC Credit Risk Fund NAV ₹28.57, 3Y CAGR 8.2%, expense ratio 1.01%; about 20% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| Kotak Credit Risk Fund Direct Growth | HDFC Credit Risk Fund Direct Growth | |
|---|---|---|
| Category | Credit risk | Credit risk |
| Fund house | Kotak Mahindra Mutual Fund | HDFC Mutual Fund |
| Plan | Direct Plan · Growth | Direct Plan · Growth Option |
| NAV | ₹36.60 (9 Nov 2026) | ₹28.57 (9 Nov 2026) |
| 1Y return | 6.5% | 6.8% |
| 3Y CAGR | 8.4% | 8.2% |
| 5Y CAGR | 6.7% | 7.2% |
| Since launch (CAGR) | 8.2% | 8.7% |
| Expense ratio | 0.81% | 1.01% |
| AUM | ₹767 cr | ₹7,617 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 | In respect of each purchase/switch-in of units, an Exit loadof 2% is payable if units are redeemed/switched-out within12 months from the date of allotment. In respect of each purchase/switch-in of units, an Exit loadof 1% is payable if units are redeemed/switched-out after12 months but within 18 months from the date… |
| Minimum SIP | ₹100 | ₹100 |
| Holdings | 41 | 93 |
| Top 10 holdings weight | 57.9% | 31.1% |
| Portfolio overlap | About 20% 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 →HDFC Credit Risk Fund has the higher 5-year CAGR (as of 9 Nov 2026): Kotak Credit Risk Fund 6.7% a year vs HDFC Credit Risk Fund 7.2% 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 HDFC Credit Risk Fund 1.01% a year.
HDFC Credit Risk Fund is larger: Kotak Credit Risk Fund manages ₹767 cr and HDFC Credit Risk Fund ₹7,617 cr (as of 9 Nov 2026).
About 20% 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 HDFC 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