Nippon India Credit Risk Fund Institutional Growth

Nippon India Credit Risk Fund Institutional Growth

Debt

Nippon Mutual Fund

Credit Risk

Get the latest NAV of Nippon India Credit Risk Fund Institutional Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹37.13

NAV as on 12 Sep 2025

7.24%/per year

Since Inception

Absolute Gain%

▲▼

Nippon India Credit Risk Fund Institutional Growth Performance vs. Credit Risk Index

Fund returns vs Benchmark returns vs Category Average returns as on (12-Sep-25)

The fund has outperformed the benchmark (Credit Risk Index) over 1Y, 3Y, but underperformed over 5Y.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.48%
1.86%
5.17%
9.44%
8.27%
8.89%
Credit Risk Index
0.57%
1.39%
4.93%
9.41%
7.47%
10.85%
Credit Risk Avg
0.58%
1.36%
5.27%
10.49%
8.6%
9.45%
Best in Credit Risk
0.87%
2.26%
17.26%
22.79%
15.5%
26.26%
Worst in Credit Risk
0.41%
1.09%
3.54%
6.45%
6.06%
6.59%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Nippon India Credit Risk Fund Institutional Growth
-
990Cr
1.44%
9.44%
8.27%
0.80
0.88
1.84
6.18
1.96
ICICI Prudential Credit Risk Fund Direct Growth
2/7
5,993Cr
1.4%
8.66%
8.01%
1.10
0.15
1.14
2.37
0.60
Aditya Birla Sun Life Credit Risk Fund Regular
3/7
1,033Cr
1.54%
15.96%
10.38%
2.76
0.84
1.34
9.53
1.16
Axis Credit Risk Fund Regular
3/8
365Cr
1.57%
8.54%
7.58%
0.13
0.90
1.05
2.31
0.23
See all

Nippon India Credit Risk Fund Institutional Growth Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

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Total Investment

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Profit

Total Corpus

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Absolute Return
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Nippon India Credit Risk Fund Institutional Growth Asset Allocation

See fund asset allocation details as on (14-Aug-25)

Fund Distribution

as on (14-Aug-25)

AA
44%
AAA
30.7%
A
25.4%
Cash allocation has gone up from 5.9% to 8.7%
Cash allocation has gone up from 5.9% to 8.7%
Debt allocation has gone down from 93.8% to 91.1%
Debt allocation has gone down from 93.8% to 91.1%

Nippon India Credit Risk Fund Institutional Growth Sector Allocation

See fund sector allocation details as on (14-Aug-25)

Sector Allocation

Corporate
74.5%
Government
16.8%
Cash Equivalent
8.7%

Top 2 Sectors in July were Corporate, Government

Jul'25

Corporate

77%

Government

14%

Jun'25

Corporate

79%

Government

15%

Nippon India Credit Risk Fund Institutional Growth Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio1.44%
Benchmark
NIFTY Credit Risk Bond TR INR
AUM₹990 Cr
Inception Date13 July, 2009
Min Lumpsum/SIP--/--
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
74.86%
Risk
Risk meter
pointer
High Risk

About Nippon India Credit Risk Fund Institutional Growth

Nippon India Credit Risk Fund Institutional Growth is a debt fund. This fund was started on 13 July, 2009. The fund is managed by Sushil Budhia, Kinjal Desai. This fund is suitable to keep your money safe.

Key Parameters

  1. Nippon India Credit Risk Fund Institutional Growth has ₹990 Cr worth of assets under management (AUM) as on Aug 2025 and is more than category average.
  2. The fund has an expense ratio 1.4.

Returns

Nippon India Credit Risk Fund Institutional Growth has given a CAGR return of 7.24% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.44%, 8.27% and 8.89% respectively.

Holdings

Nippon India Credit Risk Fund Institutional Growth has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are 7.02% Govt Stock 2031, Renew Solar Energy (Jharkhand Five) Private Limited, Jubilant Bevco Limited, TRuhome Finance Limited, Mancherial Repallewada Road Private Limited

Taxation

As it is a credit risk mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Nippon India Credit Risk Fund Institutional Growth

The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 30000000.00 and for SIP is INR 0.00. Nippon India Credit Risk Fund Institutional Growth has no lock in period.

Fund Manager

Sushil Budhia

Fund Manager of Nippon India Credit Risk Fund Institutional Growth, since 1 February 2020

Kinjal Desai

Fund Manager of Nippon India Credit Risk Fund Institutional Growth, since 25 May 2018

Learn more about Nippon Mutual Fund
Parameters
Jul'25
Jun'25
May'25
AUM
₹ 1K Cr
₹ 1K Cr
₹ 1K Cr
  • AUM of the fund stands at 1K Cr as of Jul'25
  • AUM decreased by 4.5 Cr between Jul'25 and Jun'25

Frequently Asked Questions for Nippon India Credit Risk Fund Institutional Growth

How do I invest in Nippon India Credit Risk Fund Institutional Growth?

INDmoney makes it simple to invest in the Nippon India Credit Risk Fund Institutional Growth. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Nippon India Credit Risk Fund Institutional Growth’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of Nippon India Credit Risk Fund Institutional Growth?

The NAV of the fund today is ₹37.13. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Nippon India Credit Risk Fund Institutional Growth fund has generated a return of 9.44% in 1 year, 8.27% in 3 years, 8.89% in 5 years.

Who is the fund manager of Nippon India Credit Risk Fund Institutional Growth?

The fund managers are Sushil Budhia, Kinjal Desai.

What is the exit load of the fund?

The exit load is 1% if redeemed in 0-12 Months. Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 1.44%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹990 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Nippon India Credit Risk Fund Institutional Growth?

The top 3 holdings of the fund are 7.02% Govt Stock 2031(7.75%), Renew Solar Energy (Jharkhand Five) Private Limited(4.86%), Jubilant Bevco Limited(4.21%)