Kotak Credit Risk Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 35 (Category Avg - 35.14) | Modified Duration 2.41 Years (Category Avg - 2.08)| Yield to Maturity 8.03% (Category Avg - 7.54%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	11.87%	15.17%
CD	0.00%	1.01%
NCD & Bonds	69.98%	71.10%
PTC	4.62%	0.85%

Category - Credit Risk Fund

Security Type	% Weight	Category Average
Government Backed	11.87%	15.17%
Low Risk	60.93%	65.18%
Moderate Risk	13.67%	7.32%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Credit Risk Fund

Debt holding in Portfolio (as on 31st Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			614.43	8.94%	59.65 L
Bond - Jubilant Bevco Ltd.	NCD & Bonds	Restaurants	AA	CRISIL	521.46	7.59%	500.00
Bond - Bamboo Hotel And Global Centre (Delhi) Private Ltd.	NCD & Bonds	Hotels & resorts	LA+	ICRA	508.60	7.40%	5.00 k
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	CRISIL	504.99	7.35%	5.00 k
Bond - Vedanta Ltd.	NCD & Bonds	Diversified metals	LAA	ICRA	504.20	7.34%	5.00 k
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	CARE AA	CARE	458.26	6.67%	4.50 k
Bond - Aditya Birla Renewables Ltd.	NCD & Bonds	Power generation	AA	CRISIL	406.26	5.91%	4.00 k
Bond - Au Small Finance Bank Ltd.	NCD & Bonds	Other bank	AA	CRISIL	302.30	4.40%	30.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	252.95	3.68%	2.50 k
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	203.91	2.97%	2.00 k
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	203.35	2.96%	2.00 k
Bond - Govt of India	GOI	Other			201.53	2.93%	20.00 L
Bond - Prestige Projects Private Ltd.	NCD & Bonds	Residential, commercial projects	LA	ICRA	200.05	2.91%	2.00 k
Bond - Vajra Trust	PTC	Ptc	LAAA	ICRA	194.98	2.84%	50.00
Bond - THDC India Ltd.	NCD & Bonds	Power generation	CARE AA	CARE	100.61	1.46%	100.00
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	90.10	1.31%	900.00
Bond - Sansar Trust	PTC	Ptc	AAA	CRISIL	83.81	1.22%	15.00 Cr
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	62.28	0.91%	625.00
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	62.25	0.91%	625.00
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	62.18	0.91%	625.00
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	62.18	0.91%	625.00
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	FITCH	50.61	0.74%	500.00
Bond - Dhruva Trust	PTC	Ptc	LAAA	ICRA	38.28	0.56%	250.00
Bond - U P Power Corporation Ltd.	NCD & Bonds	Power - transmission	A+	CRISIL	35.83	0.52%	35.00
Bond - U P Power Corporation Ltd.	NCD & Bonds	Power - transmission	A+	CRISIL	35.51	0.52%	35.00
Bond - U P Power Corporation Ltd.	NCD & Bonds	Power - transmission	A+	CRISIL	35.47	0.52%	35.00
Bond - U P Power Corporation Ltd.	NCD & Bonds	Power - transmission	A+	CRISIL	26.40	0.38%	35.00
Bond - U P Power Corporation Ltd.	NCD & Bonds	Power - transmission	A+	CRISIL	20.57	0.30%	20.00
Bond - U P Power Corporation Ltd.	NCD & Bonds	Power - transmission	A+	CRISIL	20.51	0.30%	20.00
Bond - U P Power Corporation Ltd.	NCD & Bonds	Power - transmission	A+	CRISIL	20.43	0.30%	20.00
Bond - U P Power Corporation Ltd.	NCD & Bonds	Power - transmission	A+	CRISIL	20.33	0.30%	20.00
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	20.07	0.29%	200.00
Bond - U P Power Corporation Ltd.	NCD & Bonds	Power - transmission	A+	CRISIL	15.10	0.22%	20.00
Bond - Yes Bank	NCD & Bonds	Private sector bank	LD	ICRA	0.00	0.00%	874.00
Bond - Future Lifestyle Fashions Ltd.	NCD & Bonds	Diversified retail	D	CRISIL	0.00	0.00%	0.00

Name	Type of Instrument	Weight (%)
Embassy Office Parks Reit	InvITs	3.59%
Indus Infra Trust	InvITs	3.51%
Net Receivables	Net Receivables	3.05%
Brookfield India Real Estate Trust	InvITs	2.56%
TREPS	TREPS	0.82%

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krishna_ksvs
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9 days ago

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hunch
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44 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more | 1

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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The Fixed Income
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7 hrs ago

Invest in a Reliable PSU Bond for Steady Returns POWER FINANCE CORPORATION LIMITED – 2029 Bond ✔️ Coupon: 9.10% p.a. ✔️ Rating: AAA Stable (CRISIL, ICRA, CARE) ✔️ Tenor: 3y 5m (Maturity: 23/Mar/2029) ✔️ PSU Bond | High Return | Listed Secure your funds in a top-rated PSU and benefit from attractive, stable returns. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dlJTdg-tfi/910-power-finance-corporation-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Invest in a Reliable PSU Bond for Steady Returns POWER FINANCE CORPORATION LIMITED – 2029 Bond ✔️ Coupon: 9.10% p.a. ✔️ Rating: AAA Stable (CRISIL, ICRA, CARE) ✔️ Tenor: 3y 5m (Maturity: 23/Mar/2029) ✔️ PSU Bond | High Return | Listed Secure your funds in a top-rated PSU and benefit from attractive, stable returns. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dlJTdg-tfi/910-power-finance-corporation-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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ravisistla
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72 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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109 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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110 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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