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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 Aditya Birla Sun Life Credit Risk Fund, as of 9 Nov 2026: Kotak Credit Risk Fund NAV ₹36.60, 3Y CAGR 8.4%, expense ratio 0.81%; Aditya Birla Sun Life Credit Risk Fund NAV ₹28.36, 3Y CAGR 13.0%, expense ratio 0.80%; about 15% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| Kotak Credit Risk Fund Direct Growth | Aditya Birla Sun Life Credit Risk Fund Direct Growth | |
|---|---|---|
| Category | Credit risk | Credit risk |
| Fund house | Kotak Mahindra Mutual Fund | Aditya Birla Sun Life Mutual Fund |
| Plan | Direct Plan · Growth | Direct Plan · GROWTH |
| NAV | ₹36.60 (9 Nov 2026) | ₹28.36 (9 Nov 2026) |
| 1Y return | 6.5% | 11.6% |
| 3Y CAGR | 8.4% | 13.0% |
| 5Y CAGR | 6.7% | 10.9% |
| Since launch (CAGR) | 8.2% | 9.4% |
| Expense ratio | 0.81% | 0.80% |
| AUM | ₹767 cr | ₹1,735 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 | For redemption / switch-out of units within 365 days from the date of allotment: 3. 00% of applicable NAV. For redemption / switch-out of units after 365 days but within 730 days from the date of allotment: 2. 00% of applicable NAV. For redemption / switch-out of units after 730 days but within 1095 days from the… |
| Minimum SIP | ₹100 | ₹100 |
| Holdings | 41 | 51 |
| Top 10 holdings weight | 57.9% | 40.2% |
| Portfolio overlap | About 15% 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 →Aditya Birla Sun Life Credit Risk Fund has the higher 5-year CAGR (as of 9 Nov 2026): Kotak Credit Risk Fund 6.7% a year vs Aditya Birla Sun Life Credit Risk Fund 10.9% a year. Past performance is not indicative of future results.
Aditya Birla Sun Life Credit Risk Fund costs less: Kotak Credit Risk Fund charges 0.81% a year and Aditya Birla Sun Life Credit Risk Fund 0.80% a year.
Aditya Birla Sun Life Credit Risk Fund is larger: Kotak Credit Risk Fund manages ₹767 cr and Aditya Birla Sun Life Credit Risk Fund ₹1,735 cr (as of 9 Nov 2026).
About 15% 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 Aditya Birla Sun Life 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