Nippon India Credit Risk Fund Regular Growth
DebtCredit RiskHigh Risk
Regular
NAV (18-Jun-25)
₹34.970.02%1D
Returns (Since Inception)
6.45%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹1,017 Cr
Expense Ratio
1.46%
ISIN
INF204K01FQ3
Minimum SIP
₹500
Exit Load
1.00%
Inception Date
08 Jun 2005
About this fund
Nippon India Credit Risk Fund Regular Growth is a Credit Risk mutual fund schemes offered by Nippon India Mutual Fund. This fund has been in existence for 20 years and 11 days, having been launched on 08-Jun-05.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹34.97, Assets Under Management (AUM) of 1017.30 Crores, and an expense ratio of 1.46%.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹34.97, Assets Under Management (AUM) of 1017.30 Crores, and an expense ratio of 1.46%.
- Nippon India Credit Risk Fund Regular Growth has given a CAGR return of 6.45% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 87.52% in debts, and 12.20% in cash & cash equivalents.
- You can start investing in Nippon India Credit Risk Fund Regular Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.
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
+9.56%
+11.43% (Cat Avg.)
3 Years
+8.30%
+8.98% (Cat Avg.)
5 Years
+8.84%
+9.73% (Cat Avg.)
10 Years
+6.10%
+6.35% (Cat Avg.)
Since Inception
+6.45%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Debt | ₹890.34 Cr | 87.52% |
| Others | ₹126.96 Cr | 12.48% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.02% Govt Stock 2031 | Bond - Gov't/Treasury | ₹78.84 Cr | 7.75% |
| Triparty Repo | Cash - Repurchase Agreement | ₹75.78 Cr | 7.45% |
| Summit Digitel Infrastructure Limited | Bond - Corporate Bond | ₹59.95 Cr | 5.89% |
| Renew Solar Energy (Jharkhand Five) Private Limited | Bond - Corporate Bond | ₹48.82 Cr | 4.80% |
| Aditya Birla Real Estate Limited | Bond - Corporate Bond | ₹46.53 Cr | 4.57% |
| TRuhome Finance Limited | Bond - Corporate Bond | ₹40.95 Cr | 4.03% |
| Prestige Projects Private Limited | Bond - Corporate Bond | ₹40.24 Cr | 3.96% |
| The Sandur Manganese And Iron Ores Limited | Bond - Corporate Bond | ₹39.41 Cr | 3.87% |
| Bamboo Hotel And Global Centre (Delhi) Private Limited | Bond - Corporate Bond | ₹38.33 Cr | 3.77% |
| Delhi International Airport Limited | Bond - Corporate Bond | ₹36.43 Cr | 3.58% |
| Vedanta Limited | Bond - Corporate Bond | ₹35.3 Cr | 3.47% |
| Renserv Global Private Limited | Bond - Corporate Bond | ₹35.01 Cr | 3.44% |
| Hiranandani Financial Services Private Limited | Bond - Corporate Bond | ₹34.96 Cr | 3.44% |
| Profectus Capital Private Limited | Bond - Corporate Bond | ₹26.49 Cr | 2.60% |
| Mindspace Business Parks Reit | Bond - Corporate Bond | ₹25.72 Cr | 2.53% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹25.52 Cr | 2.51% |
| Nirma Limited | Bond - Corporate Bond | ₹25.42 Cr | 2.50% |
| AShoka Buildcon Limited | Bond - Corporate Bond | ₹25.08 Cr | 2.47% |
| Vastu Finserve India Private Limited | Bond - Corporate Bond | ₹25.06 Cr | 2.46% |
| 182 Days Tbill | Bond - Gov't/Treasury | ₹24.75 Cr | 2.43% |
| 7.32% Govt Stock 2030 | Bond - Gov't/Treasury | ₹21.27 Cr | 2.09% |
| IIFL Finance Limited | Bond - Corporate Bond | ₹20.04 Cr | 1.97% |
| Niwas Housing Finance Private Limited | Bond - Corporate Bond | ₹20.04 Cr | 1.97% |
| Net Current Assets | Cash | ₹18.56 Cr | 1.82% |
| Piramal Finance Limited | Bond - Corporate Bond | ₹15.66 Cr | 1.54% |
| AShoka Buildcon Limited | Bond - Corporate Bond | ₹11.04 Cr | 1.08% |
| 7.1% Govt Stock 2029 | Bond - Gov't/Treasury | ₹10.44 Cr | 1.03% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹10.19 Cr | 1.00% |
| Smfg India Home Finance Company Limited | Bond - Corporate Bond | ₹10.06 Cr | 0.99% |
| Muthoot Fincorp Limited | Bond - Corporate Bond | ₹10.05 Cr | 0.99% |
| Vivriti Capital Limited | Bond - Corporate Bond | ₹10.02 Cr | 0.99% |
| Niwas Housing Finance Private Limited | Bond - Corporate Bond | ₹10.02 Cr | 0.99% |
| Vivriti Capital Limited | Bond - Corporate Bond | ₹7.25 Cr | 0.71% |
| 7.17% Govt Stock 2030 | Bond - Gov't/Treasury | ₹5.27 Cr | 0.52% |
| Trust Investment Advisors Private Limited | Cash - Commercial Paper | ₹4.91 Cr | 0.48% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹4.85 Cr | 0.48% |
| Telangana State Industrial Infrastructure Corporation Limited | Bond - Corporate Bond | ₹4.56 Cr | 0.45% |
| Telangana State Industrial Infrastructure Corporation Limited | Bond - Corporate Bond | ₹4.55 Cr | 0.45% |
| Telangana State Industrial Infrastructure Corporation Limited | Bond - Corporate Bond | ₹4.54 Cr | 0.45% |
| Telangana State Industrial Infrastructure Corporation Limited | Bond - Corporate Bond | ₹4.52 Cr | 0.44% |
| Telangana State Industrial Infrastructure Corporation Limited | Bond - Corporate Bond | ₹4.5 Cr | 0.44% |
| Telangana State Industrial Infrastructure Corporation Limited | Bond - Corporate Bond | ₹4.49 Cr | 0.44% |
| Telangana State Industrial Infrastructure Corporation Limited | Bond - Corporate Bond | ₹4.48 Cr | 0.44% |
| Telangana State Industrial Infrastructure Corporation Limited | Bond - Corporate Bond | ₹4.45 Cr | 0.44% |
| Corporate Debt Market Development Fund Class A2 | Mutual Fund - Open End | ₹2.87 Cr | 0.28% |
| Cash Margin - Ccil | Cash - Collateral | ₹0.09 Cr | 0.01% |
Allocation By Credit Quality (Debt)
AAA
AA
A
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹774.53 Cr | 76.14% |
| Bond - Gov't/Treasury | ₹140.56 Cr | 13.82% |
| Cash - Repurchase Agreement | ₹75.78 Cr | 7.45% |
| Cash | ₹18.56 Cr | 1.82% |
| Cash - Commercial Paper | ₹4.91 Cr | 0.48% |
| Mutual Fund - Open End | ₹2.87 Cr | 0.28% |
| Cash - Collateral | ₹0.09 Cr | 0.01% |
Risk & Performance Ratios
Standard Deviation
This fund
0.76%
Cat. avg.
2.58%
Lower the better
Sharpe Ratio
This fund
1.83
Cat. avg.
1.02
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
4.84
Higher the better
Fund Managers
KD
Kinjal Desai
Since May 2018
SB
Sushil Budhia
Since February 2020
Additional Scheme Detailsas of 31st May 2025
ISIN | INF204K01FQ3 | Expense Ratio | 1.46% | Exit Load | 1.00% | Fund Size | ₹1,017 Cr | Age | 20 years | Lumpsum Minimum | ₹500 | Fund Status | Open Ended Investment Company | Benchmark | NIFTY Credit Risk Bond 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:
- For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
- For investments made before 1 April 2023:
- If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
- If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
- Holding the units: No tax is applicable as long as you hold the units.
Dividend Taxation:
Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.
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% | 3.0% | ₹657.46 Cr | 22.6% |
| ICICI Prudential Credit Risk Fund Direct Growth High Risk | 0.8% | 1.0% | ₹6135.44 Cr | 10.2% |
| Nippon India Credit Risk Fund Direct Growth High Risk | 0.7% | 1.0% | ₹1017.30 Cr | 10.4% |
| Kotak Credit Risk Fund Direct Growth High Risk | 0.8% | 1.0% | ₹704.00 Cr | 8.8% |
| HDFC Credit Risk Debt Fund Direct Growth High Risk | 1.0% | 1.0% | ₹7112.01 Cr | 9.5% |
| HDFC Credit Risk Debt Fund Regular Growth High Risk | 1.6% | 1.0% | ₹7112.01 Cr | 8.9% |
| HSBC Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 3.0% | ₹657.46 Cr | 21.6% |
| ICICI Prudential Credit Risk Fund Regular Growth High Risk | 1.4% | 1.0% | ₹6135.44 Cr | 9.5% |
| Invesco India Credit Risk Fund Regular Growth Moderately High risk | 1.4% | 4.0% | ₹149.85 Cr | 10.5% |
| Invesco India Credit Risk Fund Direct Growth Moderately High risk | 0.3% | 4.0% | ₹149.85 Cr | 11.8% |
About the AMC
Total AUM
₹6,00,436 Cr
Address
4th Floor, Tower A, Peninsula Business Park, Mumbai, 400 013
Other Funds by Nippon India Mutual Fund
Risk Level
Your principal amount will be at High Risk
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We're here to help.
What is the current NAV of Nippon India Credit Risk Fund Regular Growth?
The NAV of Nippon India Credit Risk Fund Regular Growth, as of 18-Jun-2025, is ₹34.97.
What are the returns of Nippon India Credit Risk Fund Regular Growth?
The fund has generated 9.56% over the last 1 year and 8.30% 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 Nippon India Credit Risk Fund Regular Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 87.52% in bonds, and 12.20% in cash and cash equivalents.
Who manages the Nippon India Credit Risk Fund Regular Growth?
The fund managers responsible for Nippon India Credit Risk Fund Regular Growth are:-
- Kinjal Desai
- Sushil Budhia
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 Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 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.