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ICICI Prudential Credit Risk Fund Direct Growth
DebtCredit RiskVery High Risk
Direct
NAV (03-Feb-26)
₹36.860.02%1D
Returns (Since Inception)
8.96%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹5,920 Cr
Expense Ratio
0.76%
ISIN
INF109K01V00
Minimum SIP
₹100
Exit Load
1.00%
Inception Date
01 Jan 2013
About this fund
ICICI Prudential Credit Risk Fund Direct Growth is a Credit Risk mutual fund schemes offered by ICICI Prudential Mutual Fund. This fund has been in existence for 13 years, 1 months and 3 days, having been launched on 01-Jan-13.
As of 03-Feb-26, it has a Net Asset Value (NAV) of ₹36.86, Assets Under Management (AUM) of 5919.75 Crores, and an expense ratio of 0.76%.
As of 03-Feb-26, it has a Net Asset Value (NAV) of ₹36.86, Assets Under Management (AUM) of 5919.75 Crores, and an expense ratio of 0.76%.
- ICICI Prudential Credit Risk Fund Direct Growth has given a CAGR return of 8.96% since inception.
- The fund's asset allocation comprises around 9.62% in equities, 79.50% in debts, and 10.50% in cash & cash equivalents.
- You can start investing in ICICI Prudential Credit Risk Fund Direct Growth with a SIP of ₹100 or a Lumpsum investment of ₹100.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+9.66%
+10.44% (Cat Avg.)
3 Years
+9.14%
+8.93% (Cat Avg.)
5 Years
+8.03%
+9.43% (Cat Avg.)
10 Years
+8.65%
+6.26% (Cat Avg.)
Since Inception
+8.96%
— (Cat Avg.)
Portfolio Summaryas of 15th January 2026
| Equity | ₹569.25 Cr | 9.62% |
| Debt | ₹4,706.36 Cr | 79.50% |
| Others | ₹644.14 Cr | 10.88% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 6.68% Govt Stock 2040 | Bond - Gov't/Treasury | ₹336.37 Cr | 5.67% |
| Embassy Office Parks REIT | Equity - REIT | ₹254.95 Cr | 4.30% |
| Keystone Realtors Limited | Bond - Corporate Bond | ₹234.29 Cr | 3.95% |
| Millennia Realtors Private Limited | Bond - Corporate Bond | ₹210.34 Cr | 3.55% |
| Vedanta Limited | Bond - Corporate Bond | ₹200.81 Cr | 3.39% |
| Adani Enterprises Limited | Bond - Corporate Bond | ₹198.15 Cr | 3.34% |
| Bamboo Hotel And Global Centre (Delhi) Private Limited | Bond - Corporate Bond | ₹186.76 Cr | 3.15% |
| Jtpm Metal TRaders Limited | Bond - Corporate Bond | ₹186.09 Cr | 3.14% |
| Cash Offsets For Shorts & Derivatives | Cash - General Offset | ₹175 Cr | 2.95% |
| Varroc Engineering Limited | Bond - Corporate Bond | ₹171.93 Cr | 2.90% |
| Nirma Limited | Bond - Corporate Bond | ₹150.83 Cr | 2.54% |
| Lodha Developers Limited | Bond - Corporate Bond | ₹149.82 Cr | 2.53% |
| Net Current Assets | Cash | ₹145.79 Cr | 2.46% |
| Sis Limited | Bond - Corporate Bond | ₹125.01 Cr | 2.11% |
| 6.48% Govt Stock 2035 | Bond - Gov't/Treasury | ₹122.44 Cr | 2.07% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹100.48 Cr | 1.69% |
| Kalpataru Projects International Limited | Bond - Corporate Bond | ₹100.45 Cr | 1.69% |
| JM Financial Home Loans Limited | Bond - Corporate Bond | ₹100.4 Cr | 1.69% |
| Nuvama Wealth And Investment Limited | Bond - Corporate Bond | ₹100.17 Cr | 1.69% |
| TVS Credit Services Limited | Bond - Corporate Bond | ₹97.98 Cr | 1.65% |
| Mindspace Business Parks REIT Unit | Equity - REIT | ₹95.81 Cr | 1.62% |
| Kogta Financial (India) Limited | Bond - Corporate Bond | ₹94.42 Cr | 1.59% |
| Kogta Financial (India) Limited | Bond - Corporate Bond | ₹89.97 Cr | 1.52% |
| Capital Infra Trust InvITs | Equity | ₹87.48 Cr | 1.48% |
| AShiana Housing Limited | Bond - Corporate Bond | ₹85.28 Cr | 1.44% |
| Treps | Cash - Repurchase Agreement | ₹77.72 Cr | 1.31% |
| Vedanta Limited | Bond - Corporate Bond | ₹75.38 Cr | 1.27% |
| Bank of Baroda | Bond - Corporate Bond | ₹73.22 Cr | 1.24% |
| Prism Johnson Limited | Bond - Corporate Bond | ₹70.13 Cr | 1.18% |
| TVS Credit Services Limited | Bond - Corporate Bond | ₹70.03 Cr | 1.18% |
| Prism Johnson Limited | Bond - Corporate Bond | ₹69.87 Cr | 1.18% |
| Aadharshila Infratech Private Limited | Bond - Corporate Bond | ₹69.3 Cr | 1.17% |
| SK Finance Limited | Bond - Corporate Bond | ₹64.93 Cr | 1.10% |
| Brookfield India Real Estate Trust | Equity - REIT | ₹59.32 Cr | 1.00% |
| Indus Infra Trust Unit | Equity | ₹59.13 Cr | 1.00% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹50.68 Cr | 0.85% |
| Oberoi Realty Limited | Bond - Corporate Bond | ₹50.56 Cr | 0.85% |
| Piramal Finance Limited | Bond - Corporate Bond | ₹50.28 Cr | 0.85% |
| Creamline Dairy Products Limited | Bond - Corporate Bond | ₹50.17 Cr | 0.85% |
| Lodha Developers Limited | Bond - Corporate Bond | ₹50.14 Cr | 0.85% |
| 360 One Prime Limited | Bond - Corporate Bond | ₹50.1 Cr | 0.85% |
| Narayana Hrudayalaya Limited | Bond - Corporate Bond | ₹50.07 Cr | 0.84% |
| Avanse Financial Services Limited | Bond - Corporate Bond | ₹50.04 Cr | 0.84% |
| Avanse Financial Services Limited | Bond - Corporate Bond | ₹50 Cr | 0.84% |
| Interest Rate Swaps- Md -06-May-2030 (Pay Fixed/Receive Float) | Interest Rate Swap | ₹-50 Cr | 0.84% |
| Interest Rate Swaps- Md -12-Nov-2030 (Pay Fixed/Receive Float) | Interest Rate Swap | ₹-50 Cr | 0.84% |
| Hampi Expressways Private Limited | Bond - Corporate Bond | ₹49.4 Cr | 0.83% |
| Maharashtra (Government of) | Bond - Sub-sovereign Government Debt | ₹49.37 Cr | 0.83% |
| Tamil Nadu (Government of) | Bond - Sub-sovereign Government Debt | ₹49.34 Cr | 0.83% |
| Creamline Dairy Products Limited | Bond - Corporate Bond | ₹49.11 Cr | 0.83% |
| Uttar Pradesh (Government of) | Bond - Sub-sovereign Government Debt | ₹49.01 Cr | 0.83% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹48.86 Cr | 0.82% |
| APtus Value Housing Finance India Limited | Bond - Corporate Bond | ₹47.98 Cr | 0.81% |
| 7.34% Govt Stock 2064 | Bond - Gov't/Treasury | ₹47.34 Cr | 0.80% |
| 6.9% Govt Stock 2065 | Bond - Gov't/Treasury | ₹46.66 Cr | 0.79% |
| Yes Bank Limited | Bond - Corporate Bond | ₹44.67 Cr | 0.75% |
| APtus Value Housing Finance India Limited | Bond - Corporate Bond | ₹39.99 Cr | 0.67% |
| Mahanagar Telephone Nigam Limited | Bond - Corporate Bond | ₹39.96 Cr | 0.67% |
| Maharashtra (Government of) | Bond - Sub-sovereign Government Debt | ₹38.82 Cr | 0.65% |
| Bahadur Chand Investments Private Limited | Bond - Corporate Bond | ₹35.05 Cr | 0.59% |
| Bahadur Chand Investments Private Limited | Bond - Corporate Bond | ₹34.98 Cr | 0.59% |
| 7.24% Govt Stock 2055 | Bond - Gov't/Treasury | ₹34.81 Cr | 0.59% |
| Rajasthan (Government of ) | Bond - Sub-sovereign Government Debt | ₹33.64 Cr | 0.57% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹30.36 Cr | 0.51% |
| Tyger Capital Private Limited | Bond - Corporate Bond | ₹27.54 Cr | 0.46% |
| Tyger Capital Private Limited | Bond - Corporate Bond | ₹27.53 Cr | 0.46% |
| TATA Projects Limited | Bond - Corporate Bond | ₹25.07 Cr | 0.42% |
| Interest Rate Swaps- Md -14-May-2030 (Pay Fixed/Receive Float) | Interest Rate Swap | ₹-25 Cr | 0.42% |
| Interest Rate Swaps- Md -20-Nov-2030 (Pay Fixed/Receive Float) | Interest Rate Swap | ₹-25 Cr | 0.42% |
| Interest Rate Swaps- Md -26-Nov-2030 (Pay Fixed/Receive Float) | Interest Rate Swap | ₹-25 Cr | 0.42% |
| Jhajjar Power Limited | Bond - Corporate Bond | ₹24.96 Cr | 0.42% |
| State Government Securities | Bond - Gov't/Treasury | ₹24.1 Cr | 0.41% |
| Corporate Debt Market Development Fund (Class A2) | Mutual Fund - Open End | ₹22.76 Cr | 0.38% |
| Telangana (Government of) | Bond - Sub-sovereign Government Debt | ₹20.27 Cr | 0.34% |
| Sheela Foam Limited | Bond - Corporate Bond | ₹20.02 Cr | 0.34% |
| Sheela Foam Limited | Bond - Corporate Bond | ₹20.01 Cr | 0.34% |
| Rajasthan (Government of ) | Bond - Sub-sovereign Government Debt | ₹19.51 Cr | 0.33% |
| 7.23% Maharashtra Sdl-04/09/2035 | Bond - Gov't/Treasury | ₹19.37 Cr | 0.33% |
| Rajasthan (Government of ) | Bond - Sub-sovereign Government Debt | ₹19.1 Cr | 0.32% |
| State Government Securities | Bond - Gov't/Treasury | ₹18.64 Cr | 0.31% |
| 7.23% Maharashtra Sdl-04/09/2035 | Bond - Gov't/Treasury | ₹16 Cr | 0.27% |
| Aadhar Housing Finance Limited | Bond - Corporate Bond | ₹15.18 Cr | 0.26% |
| Rajasthan (Government of ) | Bond - Sub-sovereign Government Debt | ₹14.82 Cr | 0.25% |
| Altius Telecom Infrastructure Trust Unit | Equity | ₹13.13 Cr | 0.22% |
| 7.13% Karnataka SDL - 20-Aug-2034 | Bond - Gov't/Treasury | ₹9.79 Cr | 0.17% |
| Godrej Seeds & Genetics Limited | Bond - Corporate Bond | ₹6.21 Cr | 0.10% |
| Godrej Seeds & Genetics Limited | Bond - Corporate Bond | ₹6.2 Cr | 0.10% |
| Godrej Seeds & Genetics Limited | Bond - Corporate Bond | ₹6.19 Cr | 0.10% |
| Godrej Seeds & Genetics Limited | Bond - Corporate Bond | ₹6.19 Cr | 0.10% |
| State Government Securities | Bond - Gov't/Treasury | ₹3.23 Cr | 0.05% |
| 7.29% Westbengal Sgs Mat - 26/06/39 | Bond - Gov't/Treasury | ₹2.82 Cr | 0.05% |
| State Government Securities | Bond - Gov't/Treasury | ₹1.06 Cr | 0.02% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹0.91 Cr | 0.02% |
| Tamil Nadu (Government of) | Bond - Sub-sovereign Government Debt | ₹0.73 Cr | 0.01% |
| Nexus Select Trust Reits | Equity - REIT | ₹0.23 Cr | 0.00% |
Allocation By Credit Quality (Debt)
AAA
AA
A
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Industrials | ₹87.48 Cr | 1.48% |
| Financial Services | ₹59.13 Cr | 1.00% |
| Real Estate | ₹13.13 Cr | 0.22% |
Risk & Performance Ratios
Standard Deviation
This fund
0.95%
Cat. avg.
2.69%
Lower the better
Sharpe Ratio
This fund
2.39
Cat. avg.
1.12
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
5.12
Higher the better
Fund Managers
Manish Banthia
Since November 2016
AK
Akhil Kakkar
Since January 2024
Additional Scheme Detailsas of 15th January 2026
ISIN INF109K01V00 | Expense Ratio 0.76% | Exit Load 1.00% | Fund Size ₹5,920 Cr | Age 13 years 1 month | Lumpsum Minimum ₹100 | Fund Status Open Ended Investment Company | Benchmark CRISIL Credit Risk Debt TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Credit Risk Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| HSBC Credit Risk Fund Direct Growth Moderately High risk | 1.0% | 1.0% | ₹511.89 Cr | 20.7% |
| ICICI Prudential Credit Risk Fund Direct Growth Very High Risk | 0.8% | 1.0% | ₹5919.75 Cr | 9.7% |
| Nippon India Credit Risk Fund Direct Growth High Risk | 0.7% | 1.0% | ₹1015.83 Cr | 9.3% |
| Kotak Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹706.86 Cr | 9.2% |
| HDFC Credit Risk Debt Fund Direct Growth Moderately High risk | 1.0% | 1.0% | ₹6974.16 Cr | 8.0% |
| HDFC Credit Risk Debt Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹6974.16 Cr | 7.3% |
| HSBC Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹511.89 Cr | 19.8% |
| ICICI Prudential Credit Risk Fund Regular Growth Very High Risk | 1.4% | 1.0% | ₹5919.75 Cr | 9.0% |
| Invesco India Credit Risk Fund Regular Growth Moderate Risk | 1.4% | 1.0% | ₹155.57 Cr | 8.7% |
| Invesco India Credit Risk Fund Direct Growth Moderate Risk | 0.3% | 1.0% | ₹155.57 Cr | 10.0% |
| UTI Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 1.0% | ₹260.49 Cr | 7.6% |
| SBI Credit Risk Fund Direct Growth High Risk | 0.9% | 3.0% | ₹2175.08 Cr | 8.1% |
| Bank of India Credit Risk Fund Direct Growth Moderately High risk | 1.0% | 4.0% | ₹106.96 Cr | 12.0% |
| Bank of India Credit Risk Fund Regular Growth Moderately High risk | 1.4% | 4.0% | ₹106.96 Cr | 11.5% |
| DSP Credit Risk Fund Direct Growth Moderately High risk | 0.4% | 3.0% | ₹205.76 Cr | 20.7% |
| Axis Credit Risk Fund Direct Growth High Risk | 0.8% | 1.0% | ₹368.01 Cr | 9.0% |
| Axis Credit Risk Fund Regular Growth High Risk | 1.6% | 1.0% | ₹368.01 Cr | 8.2% |
| Kotak Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹706.86 Cr | 8.2% |
| DSP Credit Risk Fund Regular Growth Moderately High risk | 1.2% | 3.0% | ₹205.76 Cr | 19.7% |
| SBI Credit Risk Fund Regular Growth High Risk | 1.6% | 3.0% | ₹2175.08 Cr | 7.4% |
| Nippon India Credit Risk Fund Regular Growth High Risk | 1.4% | 1.0% | ₹1015.83 Cr | 8.5% |
| UTI Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹260.49 Cr | 6.9% |
| Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹185.49 Cr | 8.3% |
| Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹185.49 Cr | 7.5% |
| Aditya BSL Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 3.0% | ₹1091.72 Cr | 17.6% |
| Aditya BSL Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 3.0% | ₹1091.72 Cr | 16.6% |
| Bandhan Credit Risk Fund Direct Growth Moderate Risk | 0.7% | 1.0% | ₹247.38 Cr | 6.7% |
| Bandhan Credit Risk Fund Regular Growth Moderate Risk | 1.7% | 1.0% | ₹247.38 Cr | 5.6% |
About the AMC
ICICI Prudential Mutual Fund
Total AUM
₹11,50,127 Cr
Address
3rd Floor, Hallmark Business Plaza, Mumbai, 400 051
Other Funds by ICICI Prudential Mutual Fund
Risk Level
Your principal amount will be at Very High Risk
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Related Articles
Still got questions?
We're here to help.
What is the current NAV of ICICI Prudential Credit Risk Fund Direct Growth?
The NAV of ICICI Prudential Credit Risk Fund Direct Growth, as of 03-Feb-2026, is ₹36.86.
What are the returns of ICICI Prudential Credit Risk Fund Direct Growth?
The fund has generated 9.66% over the last 1 year and 9.14% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of ICICI Prudential Credit Risk Fund Direct Growth?
The fund's allocation of assets is distributed as 9.62% in equities, 79.50% in bonds, and 10.50% in cash and cash equivalents.
Who manages the ICICI Prudential Credit Risk Fund Direct Growth?
The fund managers responsible for ICICI Prudential Credit Risk Fund Direct Growth are:-
- Manish Banthia
- Akhil Kakkar
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Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Pvt. Ltd. is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
