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Nippon India Credit Risk Fund - Growth Plan is a debt scheme managed by Nippon India Mutual Fund. Three-year compounded annual return is 7.89%, placing it in the 96th percentile of Debt peers. It has ranked in the top half of its category for 6 of the last 12 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 1.74% on assets of ₹1,343Cr. The fund is currently managed by Sushil Budhia, appointed within the last year.
Lower is better.
| Holding | Sector | Weight |
|---|
Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
| Scheme | AMC | AUM | TER | 3Y |
|---|
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| 7.02% Government of India | SOVEREIGN | 5.63% |
| 8.55% Aditya Birla Real Estate Limited | CRISIL AA | 4.06% |
| 9.75% Delhi International Airport Limited | ICRA AA | 3.74% |
| 7.17% Mindspace Business Parks REIT | ICRA AAA | 3.66% |
| HDFC Bank Limited | Financial Services | 3.52% |
| Union Bank of India | Financial Services | 3.51% |
| Canara Bank | Financial Services | 3.50% |
| 8.44% Renew Solar Energy (Jharkhand Five) Private Ltd | CARE AA | 3.43% |
| 10.4% Muthoot Fincorp Ltd | CRISIL AA- | 3.33% |
| 9.25% Truhome Finance Limited | CRISIL AA | 3.01% |
| 10.2% Navi Finserv Limited | FITCH A | 2.96% |
| 10.96% Gaursons India Private Limited | ICRA A- | 2.95% |
| 9.5% Vedanta Limited | ICRA AA | 2.62% |
| 9.95% Hiranandani Financial Services Private Limited | CARE A+ | 2.60% |
| Auxilo Finserve Private Limited | CRISIL A+ | 2.37% |
| 8.28% Mancherial Repallewada Road Private Limited | CARE AAA | 2.36% |
| 7.44% National Bank For Agriculture and Rural Development | CRISIL AAA | 2.22% |
| 6.84% State Government Securities | SOVEREIGN | 2.20% |
| 8.8% REC Limited | CRISIL AAA | 1.92% |
| 7.79% Small Industries Dev Bank of India | CRISIL AAA | 1.87% |
| 7.96% Mindspace Business Parks REIT | CRISIL AAA | 1.87% |
| 8.45% Adani Airport Holdings Limited | CRISIL AA- | 1.87% |
| JSW Kalinga Steel Limited | CRISIL AA | 1.85% |
| 8% Adani Power Limited | CRISIL AA | 1.85% |
| 9.35% Telangana State Industrial Infrastructure Corporation Limited | FITCH AA(CE) | 1.83% |
| Sector | Holdings | Weight |
|---|---|---|
| CRISIL AA | 8 | 13.14% |
| SOVEREIGN | 7 | 13.07% |
| CRISIL AAA | 6 | 8.85% |
| CRISIL AA- | 4 | 7.38% |
| ICRA A1+ | 2 | 7.01% |
| ICRA AA | 2 | 6.36% |
| CRISIL A+ | 3 | 4.64% |
| ICRA AAA | 2 | 3.88% |
| FITCH A | 2 | 3.83% |
| CRISIL A1+ | 1 | 3.52% |
| CARE AA | 1 | 3.43% |
| ICRA A- | 1 | 2.95% |
| CARE AAA | 2 | 2.89% |
| CARE A+ | 1 | 2.60% |
| FITCH AA(CE) | 2 | 2.58% |
| ICRA A+(CE) | 1 | 1.72% |
| CRISIL AA+ | 1 | 0.74% |
| CARE A1+ | 1 | 0.73% |
| ICRA A | 1 | 0.36% |
Active bets vs the average Debt fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 37.4% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Debt.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
| 5Y |
|---|
| Star |
|---|
| DSP Credit Risk Fund - Direct Plan - Growth | DSP Mutual Fund | ₹242 Cr | 0.41% | +16.57% | +12.99% | 5★ |
| DSP Credit Risk Fund - Regular Plan -Growth | DSP Mutual Fund | ₹242 Cr | 1.18% | +15.68% | +12.08% | 4★ |
| Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth | Aditya Birla Sun Life Mutual Fund | ₹1,353 Cr | 0.84% | +12.63% | +10.61% | 5★ |
| Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth | Aditya Birla Sun Life Mutual Fund | ₹1,353 Cr | 1.64% | +11.65% | +9.65% | 3★ |
| HSBC Credit Risk Fund - Regular Growth | HSBC Mutual Fund | ₹475 Cr | 1.64% | +10.68% | — | 2★ |
| BANK OF INDIA Credit Risk Fund - Direct Plan | Bank of India Mutual Fund | ₹105 Cr | 1.17% | +9.89% | +27.73% | 3★ |
| BANK OF INDIA Credit Risk Fund - Regular Plan | Bank of India Mutual Fund | ₹105 Cr | 1.64% | +9.49% | +27.32% | 2★ |
| Invesco India Credit Risk Fund - Direct Plan - Growth | Invesco Mutual Fund | ₹159 Cr | 0.28% | +9.28% | +8.20% | 5★ |
| Axis Credit Risk Fund - Direct Plan - Growth | Axis Mutual Fund | ₹355 Cr | 0.80% | +8.34% | +7.44% | 5★ |
| ICICI Prudential Credit Risk Fund - Growth | ICICI Prudential Mutual Fund | ₹5,990 Cr | 1.40% | +8.06% | +7.13% | 3★ |