ICICI Prudential Credit Risk Fund Direct Growth

Fund Overview

Fund Size

₹6,159 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 12 years, 5 months and 8 days, having been launched on 01-Jan-13.
As of 06-Jun-25, it has a Net Asset Value (NAV) of ₹35.04, Assets Under Management (AUM) of 6159.00 Crores, and an expense ratio of 0.76%.

ICICI Prudential Credit Risk Fund Direct Growth has given a CAGR return of 9.01% since inception.
The fund's asset allocation comprises around 8.23% in equities, 81.57% in debts, and 9.84% 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

+10.61%

+11.86% (Cat Avg.)

3 Years

+8.93%

+8.99% (Cat Avg.)

5 Years

+8.50%

+9.85% (Cat Avg.)

10 Years

+8.74%

+6.38% (Cat Avg.)

Since Inception

+9.01%

— (Cat Avg.)

Portfolio Summaryas of 15th May 2025

Equity	₹507.12 Cr	8.23%
Debt	₹5,023.72 Cr	81.57%
Others	₹628.15 Cr	10.20%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.1% Govt Stock 2034	Bond - Gov't/Treasury	₹582.55 Cr	9.46%
Embassy Office Parks REIT	Equity - REIT	₹260.68 Cr	4.23%
Varroc Engineering Limited	Bond - Corporate Bond	₹219.1 Cr	3.56%
6.79% Govt Stock 2034	Bond - Gov't/Treasury	₹218.39 Cr	3.55%
Millennia Realtors Private Limited	Bond - Corporate Bond	₹211.38 Cr	3.43%
Vedanta Limited	Bond - Corporate Bond	₹200.47 Cr	3.25%
Bamboo Hotel And Global Centre (Delhi) Private Limited	Bond - Corporate Bond	₹186.15 Cr	3.02%
Net Current Assets	Cash	₹181.81 Cr	2.95%
Aadhar Housing Finance Ltd	Bond - Corporate Bond	₹176.57 Cr	2.87%
Treps	Cash - Repurchase Agreement	₹152.91 Cr	2.48%
Nirma Limited	Bond - Corporate Bond	₹152.09 Cr	2.47%
Dlf Home Developers Limited	Bond - Corporate Bond	₹150.67 Cr	2.45%
Sis Ltd	Bond - Corporate Bond	₹125.56 Cr	2.04%
Kalpataru Power Transmission Limited	Bond - Corporate Bond	₹101.51 Cr	1.65%
JM Financial Home Loans Limited	Bond - Corporate Bond	₹101.21 Cr	1.64%
TVS Credit Services Limited	Bond - Corporate Bond	₹100.32 Cr	1.63%
TVS Credit Services Limited	Bond - Corporate Bond	₹98.02 Cr	1.59%
Kogta Financial (India) Limited	Bond - Corporate Bond	₹95.11 Cr	1.54%
Kogta Financial (India) Limited	Bond - Corporate Bond	₹90.11 Cr	1.46%
Ashiana Housing Limited	Bond - Corporate Bond	₹85.68 Cr	1.39%
Aadharshila Infratech Pvt Ltd.	Bond - Corporate Bond	₹82.92 Cr	1.35%
Mindspace Business Parks REIT Unit	Equity - REIT	₹78.9 Cr	1.28%
JM Financial Asset Reconstruction Company Limited	Bond - Corporate Bond	₹75.21 Cr	1.22%
Indostar Capital Finance Limited	Bond - Corporate Bond	₹75.08 Cr	1.22%
IIFL Home Finance Limited	Bond - Corporate Bond	₹75 Cr	1.22%
State Bank Of India	Bond - Corporate Bond	₹74.74 Cr	1.21%
Godrej Industries Limited	Bond - Corporate Bond	₹70.68 Cr	1.15%
Prism Cement Limited	Bond - Corporate Bond	₹70.48 Cr	1.14%
Motherson Sumi Systems Limited	Bond - Corporate Bond	₹70.39 Cr	1.14%
Prism Cement Limited	Bond - Corporate Bond	₹70.21 Cr	1.14%
Macrotech Developers Ltd.	Bond - Corporate Bond	₹70.05 Cr	1.14%
Brookfield India Real Estate Trust	Equity - REIT	₹67.56 Cr	1.10%
Eris Lifesciences Limited	Bond - Corporate Bond	₹66.09 Cr	1.07%
Eris Lifesciences Limited	Bond - Corporate Bond	₹65.91 Cr	1.07%
SK Finance Limited	Bond - Corporate Bond	₹64.9 Cr	1.05%
APtus Value Housing Finance India Limited	Bond - Corporate Bond	₹59.55 Cr	0.97%
Indus Infra Trust Unit	Equity	₹54.47 Cr	0.88%
7.34% Govt Stock 2064	Bond - Gov't/Treasury	₹51.36 Cr	0.83%
Oberoi Realty Ltd.	Bond - Corporate Bond	₹50.6 Cr	0.82%
Indostar Capital Finance Limited	Bond - Corporate Bond	₹50.54 Cr	0.82%
Creamline Dairy Products Limited	Bond - Corporate Bond	₹50.5 Cr	0.82%
Narayana Hrudayalaya Limited	Bond - Corporate Bond	₹50.39 Cr	0.82%
Macrotech Developers Ltd.	Bond - Corporate Bond	₹50.38 Cr	0.82%
Avanse Financial Services Limited	Bond - Corporate Bond	₹50.24 Cr	0.82%
Avanse Financial Services Limited	Bond - Corporate Bond	₹50.21 Cr	0.82%
G R Infraprojects Limited	Bond - Corporate Bond	₹50 Cr	0.81%
Hampi Expressways Private Limited	Bond - Corporate Bond	₹49.96 Cr	0.81%
Aptus Value Housing Finance	Bond - Corporate Bond	₹49.7 Cr	0.81%
Creamline Dairy Products Limited	Bond - Corporate Bond	₹49.44 Cr	0.80%
National Bank For Agriculture And Rural Development	Cash - CD/Time Deposit	₹47.52 Cr	0.77%
Yes Bank Limited	Bond - Corporate Bond	₹44.68 Cr	0.73%
Mahanagar Telephone Nigam Limited	Bond - Corporate Bond	₹40.26 Cr	0.65%
Macrotech Developers Ltd.	Bond - Corporate Bond	₹36.28 Cr	0.59%
Bahadur Chand Investments Private Limited	Bond - Corporate Bond	₹35.14 Cr	0.57%
Bahadur Chand Investments Private Limited	Bond - Corporate Bond	₹35.06 Cr	0.57%
Dme Development Limited	Bond - Corporate Bond	₹32.95 Cr	0.54%
Indostar Capital Finance Limited	Bond - Corporate Bond	₹30.22 Cr	0.49%
Altius Telecom Infrastructure Trust Unit	Equity	₹29.23 Cr	0.47%
Tyger Capital Pvt Ltd.	Bond - Corporate Bond	₹27.53 Cr	0.45%
Tyger Capital Pvt Ltd.	Bond - Corporate Bond	₹27.52 Cr	0.45%
Tata Projects Limited	Bond - Corporate Bond	₹25.17 Cr	0.41%
Jhajjar Power Limited	Bond - Corporate Bond	₹25.02 Cr	0.41%
State Bank Of India	Bond - Corporate Bond	₹24.84 Cr	0.40%
Indusind Bank Limited	Cash - CD/Time Deposit	₹23.7 Cr	0.38%
Corporate Debt Market Development Fund (Class A2)	Mutual Fund - Open End	₹21.92 Cr	0.36%
Dme Development Limited	Bond - Corporate Bond	₹21.73 Cr	0.35%
Dme Development Limited	Bond - Corporate Bond	₹21.69 Cr	0.35%
Dme Development Limited	Bond - Corporate Bond	₹21.65 Cr	0.35%
Dme Development Limited	Bond - Corporate Bond	₹21.62 Cr	0.35%
Dme Development Limited	Bond - Corporate Bond	₹21.61 Cr	0.35%
Dme Development Limited	Bond - Corporate Bond	₹21.58 Cr	0.35%
Dme Development Limited	Bond - Corporate Bond	₹21.58 Cr	0.35%
7.14% Maharashtra SDL 2039	Bond - Gov't/Treasury	₹20.69 Cr	0.34%
TVS Credit Services Limited	Bond - Corporate Bond	₹20.27 Cr	0.33%
Sheela Foam Limited	Bond - Corporate Bond	₹20.22 Cr	0.33%
Sheela Foam Limited	Bond - Corporate Bond	₹20.15 Cr	0.33%
Sheela Foam Limited	Bond - Corporate Bond	₹20.04 Cr	0.33%
Dme Development Limited	Bond - Corporate Bond	₹18.12 Cr	0.29%
Dme Development Limited	Bond - Corporate Bond	₹18.05 Cr	0.29%
7.12% Maharashtra SDL 2038	Bond - Gov't/Treasury	₹17.07 Cr	0.28%
Aadhar Housing Finance Ltd.	Bond - Corporate Bond	₹15.24 Cr	0.25%
Capital Infra Trust InvITs	Equity	₹13.23 Cr	0.21%
The Great Eastern Shipping Company Limited	Bond - Corporate Bond	₹13.02 Cr	0.21%
7.13% Karnataka SDL - 20-Aug-2034	Bond - Gov't/Treasury	₹10.29 Cr	0.17%
Nexus Select Trust Reits	Equity - REIT	₹3.05 Cr	0.05%
7.29% West Bengal State Development Loans (12/03/2038)	Bond - Gov't/Treasury	₹3.01 Cr	0.05%
7.18% Govt Stock 2033	Bond - Gov't/Treasury	₹1.38 Cr	0.02%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹0.91 Cr	0.01%

Allocation By Credit Quality (Debt)

AAA

UNRATED

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹67.7 Cr	1.10%
Real Estate	₹29.23 Cr	0.47%

Risk & Performance Ratios

Fund Managers

Manish Banthia

Since November 2016

Akhil Kakkar

Since January 2024

Additional Scheme Detailsas of 15th May 2025

ISIN

INF109K01V00

Expense Ratio

0.76%

Exit Load

1.00%

Fund Size

₹6,159 Cr

Age

12 years 5 months

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	0.9%	3.0%	₹669.62 Cr	23.0%
ICICI Prudential Credit Risk Fund Direct Growth High Risk	0.8%	1.0%	₹6159.00 Cr	10.6%
Nippon India Credit Risk Fund Direct Growth High Risk	0.7%	1.0%	₹999.57 Cr	10.8%
Kotak Credit Risk Fund Direct Growth High Risk	0.8%	1.0%	₹706.84 Cr	9.4%
HDFC Credit Risk Debt Fund Direct Growth Moderately High risk	1.0%	1.0%	₹7134.80 Cr	10.0%
HDFC Credit Risk Debt Fund Regular Growth Moderately High risk	1.6%	1.0%	₹7134.80 Cr	9.4%
HSBC Credit Risk Fund Regular Growth Moderately High risk	1.7%	3.0%	₹669.62 Cr	22.0%
ICICI Prudential Credit Risk Fund Regular Growth High Risk	1.4%	1.0%	₹6159.00 Cr	9.9%
Invesco India Credit Risk Fund Regular Growth Moderately High risk	1.4%	4.0%	₹148.14 Cr	11.0%
Invesco India Credit Risk Fund Direct Growth Moderately High risk	0.3%	4.0%	₹148.14 Cr	12.3%
UTI Credit Risk Fund Direct Growth Moderately High risk	1.2%	1.0%	₹284.60 Cr	9.8%
SBI Credit Risk Fund Direct Growth High Risk	0.9%	3.0%	₹2243.78 Cr	10.5%
Bank of India Credit Risk Fund Direct Growth High Risk	1.0%	4.0%	₹109.74 Cr	6.4%
Bank of India Credit Risk Fund Regular Growth High Risk	1.4%	4.0%	₹109.74 Cr	6.0%
DSP Credit Risk Fund Direct Growth Moderately High risk	0.4%	1.0%	₹207.28 Cr	24.4%
Axis Credit Risk Fund Direct Growth Moderately High risk	0.8%	1.0%	₹362.89 Cr	10.4%
Axis Credit Risk Fund Regular Growth Moderately High risk	1.6%	1.0%	₹362.89 Cr	9.5%
Kotak Credit Risk Fund Regular Growth High Risk	1.7%	1.0%	₹706.84 Cr	8.4%
DSP Credit Risk Fund Regular Growth Moderately High risk	1.1%	1.0%	₹207.28 Cr	23.5%
SBI Credit Risk Fund Regular Growth High Risk	1.6%	3.0%	₹2243.78 Cr	9.8%
Nippon India Credit Risk Fund Regular Growth High Risk	1.5%	1.0%	₹999.57 Cr	10.0%
UTI Credit Risk Fund Regular Growth Moderately High risk	1.7%	1.0%	₹284.60 Cr	9.1%
Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk	0.8%	1.0%	₹174.87 Cr	10.4%
Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk	1.6%	1.0%	₹174.87 Cr	9.5%
Aditya BSL Credit Risk Fund Direct Growth High Risk	0.7%	3.0%	₹987.84 Cr	18.9%
Aditya BSL Credit Risk Fund Regular Growth High Risk	1.5%	3.0%	₹987.84 Cr	17.9%
Bandhan Credit Risk Fund Direct Growth Moderately High risk	0.7%	1.0%	₹285.92 Cr	9.5%
Bandhan Credit Risk Fund Regular Growth Moderately High risk	1.7%	1.0%	₹285.92 Cr	8.4%

About the AMC

ICICI Prudential Mutual Fund

+91 22 26428000

https://www.icicipruamc.com/

Total AUM

₹9,45,300 Cr

Address

3rd Floor, Hallmark Business Plaza, Mumbai, 400 051

Other Funds by ICICI Prudential Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
ICICI Prudential Nifty50 Value 20 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹103.49 Cr	4.4%
ICICI Prudential Fixed Maturity Plan Series 88 182 Days Plan J Direct Growth Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 125 Days Plan H Direct Growth Low to Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 93 Days Plan P Direct Growth Low to Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1199 Days Plan Q Direct Growth Low to Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1858 Days Plan D Direct Growth Moderate Risk	-	0.0%	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1226 Days Plan F Direct Growth Low to Moderate Risk	-	-	₹129.54 Cr	8.6%
ICICI Prudential Long Term Wealth Enhancement Fund Direct Growth Very High Risk	1.0%	0.0%	₹37.80 Cr	9.8%
ICICI Prudential Fixed Maturity Plan Series 88 1828 Days Plan A Direct Growth Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1833 Days Plan C Direct Growth Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1192 Days Plan R Direct Growth Low to Moderate Risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 95 Days Plan B Direct Growth Moderately High risk	-	-	-	-
ICICI Prudential Fixed Maturity Plan Series 88 1303 Days Plan S Direct Growth Low to Moderate Risk	-	0.0%	₹62.28 Cr	9.2%
ICICI Prudential Fixed Maturity Plan Series 88 226 Days Plan E Direct Growth Moderate Risk	-	0.0%	-	-
ICICI Prudential Thematic Advantage Fund (FOF) Direct Growth Very High Risk	1.1%	1.0%	₹2982.03 Cr	20.8%
ICICI Prudential Floating Interest Fund Direct Growth Moderate Risk	0.6%	0.0%	₹7456.75 Cr	9.6%
ICICI Prudential Gilt Fund Direct Growth Low to Moderate Risk	0.6%	0.0%	₹7265.91 Cr	10.9%
ICICI Prudential All Seasons Bond Fund Direct Growth Moderate Risk	0.6%	0.0%	₹14790.39 Cr	10.8%
ICICI Prudential Long Term Bond Fund Direct Growth Moderate Risk	0.4%	0.0%	₹1196.59 Cr	11.8%
ICICI Prudential Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹53304.18 Cr	7.3%
ICICI Prudential Innovation Fund Direct Growth Very High Risk	0.8%	1.0%	₹6580.61 Cr	12.5%
ICICI Prudential Global Stable Equity Fund (FOF) Direct Growth Very High Risk	1.6%	1.0%	₹99.69 Cr	12.9%
ICICI Prudential Bond Fund Direct Growth Moderate Risk	0.6%	0.0%	₹2875.39 Cr	11.1%
ICICI Prudential Smallcap Fund Direct Growth Very High Risk	0.8%	1.0%	₹7604.59 Cr	6.3%
ICICI Prudential Midcap Fund Direct Growth Very High Risk	1.1%	1.0%	₹5932.46 Cr	11.2%
ICICI Prudential Infrastructure Fund Direct Growth Very High Risk	1.1%	1.0%	₹7415.53 Cr	10.8%
ICICI Prudential Nifty 50 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹13168.50 Cr	10.5%
ICICI Prudential Regular Savings Fund Direct Growth High Risk	1.0%	1.0%	₹3181.10 Cr	11.1%
ICICI Prudential Money Market Fund Direct Growth Moderate Risk	0.2%	0.0%	₹28949.46 Cr	8.5%
ICICI Prudential Nifty Next 50 Index Direct Growth Very High Risk	0.3%	0.0%	₹7134.20 Cr	-0.3%
ICICI Prudential Regular Gold Savings (FOF) Direct Growth High Risk	0.6%	1.0%	₹2056.55 Cr	32.5%
ICICI Prudential Credit Risk Fund Direct Growth High Risk	0.8%	1.0%	₹6159.00 Cr	10.6%
ICICI Prudential Large & Mid Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹20352.47 Cr	14.0%
ICICI Pru Multicap Fund Direct Growth Very High Risk	0.9%	1.0%	₹14504.64 Cr	11.8%
ICICI Prudential Short Term Fund Direct Growth Moderate Risk	0.5%	0.0%	₹21315.54 Cr	10.1%
ICICI Prudential US Bluechip Equity Fund Direct Growth Very High Risk	1.2%	1.0%	₹2914.48 Cr	6.8%
ICICI Prudential Corporate Bond Fund Direct Growth Moderate Risk	0.3%	0.0%	₹31212.32 Cr	9.9%
ICICI Prudential Exports and Services Fund Direct Growth Very High Risk	1.6%	1.0%	₹1362.00 Cr	16.3%
ICICI Prudential Long Term Equity Fund ( Tax Saving) Direct Growth Very High Risk	1.1%	0.0%	₹14121.07 Cr	13.6%
ICICI Prudential Technology Direct Growth Very High Risk	1.0%	1.0%	₹12983.03 Cr	16.3%
ICICI Prudential Income Optimizer Fund (FOF) Direct Growth Moderate Risk	0.4%	0.0%	₹295.92 Cr	11.2%
ICICI Prudential Flexicap Fund Direct Growth Very High Risk	0.8%	1.0%	₹16677.22 Cr	9.7%
ICICI Prudential Equity Savings Fund Direct Growth Moderate Risk	0.5%	0.0%	₹12854.84 Cr	9.5%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Direct Growth Very High Risk	0.9%	0.0%	₹789.64 Cr	10.8%
ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth Very High Risk	0.9%	0.0%	₹1128.60 Cr	14.7%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth High Risk	0.7%	0.0%	₹78.73 Cr	10.1%
ICICI Prudential Retirement Fund Pure Debt Plan Direct Growth Moderately High risk	1.3%	0.0%	₹106.58 Cr	9.6%
ICICI Prudential India Opportunities Fund Direct Growth Very High Risk	0.6%	1.0%	₹27197.33 Cr	15.6%
ICICI Prudential Passive Multi-Asset Fund of Funds Direct Growth High Risk	0.5%	1.0%	₹1113.12 Cr	13.6%
ICICI Prudential Banking and PSU Debt Fund Direct Growth Moderate Risk	0.4%	0.0%	₹10383.95 Cr	9.8%

Risk Level

Your principal amount will be at High Risk

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Still got questions?
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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 06-Jun-2025, is ₹35.04.

What are the returns of ICICI Prudential Credit Risk Fund Direct Growth?

The fund has generated 10.61% over the last 1 year and 8.93% 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 8.23% in equities, 81.57% in bonds, and 9.84% 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

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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Fund Overview

Fund Size

₹6,159 Cr

Expense Ratio

0.76%

ISIN

INF109K01V00

Minimum SIP

₹100

Exit Load

1.00%

Inception Date

01 Jan 2013

Risk Level

Your principal amount will be at High Risk