Axis Credit Risk Fund

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Axis Credit Risk Fund

Debt

An open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds)

Returns:

CAGR

Benchmark Returns

CRISIL Credit Risk Debt B-II Index

Risk

High

AUM (In Cr.)

₹ 351.04

As On Mar 31, 2026

Expense Ratio

1.57%

As On Apr 09, 2026

Age of Fund

11 years 9 months

Since Jul 15, 2014

Why Invest in Debt Funds?

Meeting your short-term goals

We all have short-term goals like paying off the child's school fees or h...

Liquidity

Debt Funds offer high amount of liquidity without being penalised on withdraw...

Tax benefits

If you stay invested in Debt Funds for more than 3 years the gains that you m...

Regular Income

With investments in Debt Funds apart from preserving your capital you coul...

Diversification

Investing in Debt Funds helps reduces the overall portfolio risks as they off...

Potential to earn higher

Debt funds have the potential to perform better than the traditional saving o...

Meeting your short-term goals

We all have short-term goals like paying off the child's school fees or h...

Liquidity

Debt Funds offer high amount of liquidity without being penalised on withdraw...

Tax benefits

If you stay invested in Debt Funds for more than 3 years the gains that you m...

Regular Income

With investments in Debt Funds apart from preserving your capital you coul...

Diversification

Investing in Debt Funds helps reduces the overall portfolio risks as they off...

Potential to earn higher

Debt funds have the potential to perform better than the traditional saving o...

Meeting your short-term goals

We all have short-term goals like paying off the child's school fees or having a contingency fund or even buying a gift for your loved ones. There are a range of debt funds basis the investment horizon that you may have to achieve your short-term goals from 3 months to 3 years.

Liquidity

Debt Funds offer high amount of liquidity without being penalised on withdrawals. You can withdraw the required amount and continue to stay invested on the balance amount

Tax benefits

If you stay invested in Debt Funds for more than 3 years the gains that you make will only be taxed at 20%(plus applicable surcharge and cess) (even if you are in a higher bracket). What's more! It will only be taxed on profits made over and above the inflation. For example: If you earn profits by 10% on the debt fund and inflation (measured by Cost of inflation index) increases by 7% in the same period you pay 20% (plus applicable surcharge and cess) tax only on 3% (10%-7%) which is 0.6% (20%*3%).

Regular Income

With investments in Debt Funds apart from preserving your capital you could also make periodic tax-efficient regular withdrawals with Systematic Withdrawal Plans (SWP). How it works: Assuming your cash in hand is Rs 10,00,000 and you are looking for 1% withdrawal every month. Your investment would look as below:

Month	Cash Flow	NAV	Units Held	Investment Value
January	₹ 10,00,000	100	10,000	10,00,000
February	₹ 10,000	101	9,901	10,00,000
March	₹ 10,000	102	9,803	9,99,901
April	₹ 10,000	103	9,706	9,99,704
May	₹ 10,000	102	9,608	9,79,998
June	₹ 10,000	101	9,509	9,60,390
July	₹ 10,000	102	9,411	9,59,899
August	₹ 10,000	103	9,314	9,59,310

The above calculations are for illustration purpose only to explain the concept.. It does not reflect the returns that may be generated by the schemes of Axis Mutual Fund.

Diversification

Investing in Debt Funds helps reduces the overall portfolio risks as they offer more stable returns. This is thus important for a well-diversified portfolio.

Potential to earn higher

Debt funds have the potential to perform better than the traditional saving options. Additionally you can benefit from lower taxation if you stay invested for more than 3 years

Updated as on: March 25, 2025

Overview
Performance
Fund Quants
Portfolio
IDCW
Outlook
Similar Funds
Scheme Documents

A credit risk fund investing in a portfolio of debt and money market instruments across the credit rating spectrum.

Portfolio targets a minimum exposure of 65% in non AAA rated securities.

Endeavours to capture opportunities in the yield curve spreads in the short (1-3 Years) duration segment.

Ideal for investors looking for regular income over 3 years or longer.

To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Entry Load, Exit Load & Tax

Entry LoadN/A

Exit Load

If redeemed/switched-out within 1 months from the date of allotment
For 10% of investment	Nil
For remaining investment	1%
If redeemed/switched out after 1 months
From the date of allotment	Nil

Tax implication

Click here to view the tax implication.

Minimum Investment

Lumpsum Investment

Additional Investment

Daily Systematic Investment

Monthly Systematic Investment

This product is suitable for investors who are seeking*

Stable returns in the short to medium term.
Investment in debt and money market instruments across the yield curve and credit spectrum

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them

The risk of the scheme is High

The risk of the benchmark is Moderately High

Potential Risk Class

Axis Credit Risk Fund

A Potential Risk Class matrix consists of parameters based on maximum interest rate risk (measured by Macaulay Duration (MD) of the scheme) and maximum credit risk (measured by Credit Risk Value (CRV) of the scheme).

Managing this fund since 09th Nov 2021View Details

Managing this fund since 15th Jul 2014View Details

Managing this fund since 09th Nov 2021View Details

Managing this fund since 15th Jul 2014View Details

Updated as on: March 31, 2026

Performance

₹

SIP

Lumpsum

From Date

To Date

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The total value of your investment after NaN Years will be

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Invested Amount

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Total Returns

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Diclaimer: The final amount is based on an assumed 10% annual rate of return.

Performance of Axis Credit Risk Fund - Regular Growth as of April 07, 2026

CRISIL Credit Risk Debt B-II Index				Current Value of Rs.10,000 Invested
	Annualised(%)	CRISIL Credit Risk Debt B-II Index Benchmark(%)	NIFTY 10 yr Benchmark G-Sec Additional Benchmark(%)	Annualised(₹)	CRISIL Credit Risk Debt B-II Index Benchmark(₹)	NIFTY 10 yr Benchmark G-Sec Additional Benchmark(₹)
Since Inception 2014-07-15	7.16%	8.31%	6.80%	22,485	25,465	21,625
5 Years	6.66%	7.22%	5.05%	13,804	14,173	12,794
3 Years	7.68%	8.06%	7.06%	12,485	12,620	12,271
1 Year	7.60%	7.53%	2.57%	10,764	10,758	10,259

Disclaimer : Past performance may or may not be sustained in future. Different plans have different expense structure. Devang Shah is managing the scheme since inception and he manages 23 schemes & Akhil Thakkar is managing the scheme since 9th November 2021 and he manages 2 schemes of Axis Mutual Fund. Please refer to the link Annexure for performance of all schemes managed by the fund manager. Returns greater than 1 year period are compounded annualised (CAGR). Face Value per unit : Rs. 10.

CAGR (1Y)

7.60%

Benchmark Returns (1Y)

7.53%

NAV

₹ 22.6153As on Apr 10, 2026

Risk

High

AUM (In Cr.)

₹ 351.04As on Mar 31, 2026(in Cr.)

Expense Ratio

1.57%As on Apr 09, 2026

Worth of investments (1Y) ₹10,000 Monthly SIP grown to

₹ 1,23,965.22

Average Maturity

4.32 years

Modified Duration

2.95 years

Mac D

3.07 years

Portfolio Yield (Yield to Maturity&)- Monthly

8.35%

Disclaimer : * For instruments with put/call option, the put/call date has been taken as the maturity date.& The yield to maturity given above is based on the portfolio of funds as on date given above. This should not be taken as an indication of the returns that maybe generated by the fund and the securities bought by the fund may or may not be held till their respective maturities. The calculation is based on the invested corpus of the debt portfolio. In case of semi annual YTM, it will be annualised

Updated as on: As of April 7, 2026

No. of stocks

Top 10 Stocks (%)

43.42%

Top 5 Stocks (%)

22.98%

Top 3 Stocks (%)

14.6%

Stocks	% of holdings
7.72% Bihar SDL (MD 25/02/2041)	5.5
Vedanta Limited	4.66
Jubilant Bevco Limited	4.44
JTPM Metal Traders Limited	4.26
Narayana Hrudayalaya Limited	4.12
Aditya Birla Renewables Limited	4.12
Altius Telecom Infrastructure Trust	4.1
Infopark Properties Limited	4.09
Aditya Birla Digital Fashion Ventures Limited	4.09
7.24% GOI (MD 18/08/2055)	4.04

Updated as on: April 7, 2026

IDCW

Record Date	Option	IDCW (Per Unit)		NAV (Per Unit)
Record Date	Option	Individuals/HUF	Others	Cum IDCW	Ex- IDCW
2026-02-25	Monthly Dividend	0.06	0.06	10.2	10.13
2026-01-27	Monthly Dividend	0.06	0.06	10.15	10.09
2025-12-26	Monthly Dividend	0.07	0.07	10.21	10.14

Disclaimer : Pursuant to payment of Distribution (of Income & Capital), the NAV of the above stated IDCW options of the scheme/plan would fall to the extent of payout and statutory levy, if any. Past performance may or may not be sustained in future. Face value of units is Rs. 10. IDCW means Income Distribution cum Capital Withdrawal.

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Returns: 6.97%(SI)

NAV(As On Apr 12, 2026)₹ 3048.7235

Modified Duration42 days

Low

Returns: 6.29%(3Y)

NAV(As On Apr 12, 2026)₹ 1422.8693

Modified Duration2 days

Returns: 6.97%(SI)

NAV(As On Apr 12, 2026)₹ 3048.7235

Modified Duration42 days

Low

Returns: 6.29%(3Y)

NAV(As On Apr 12, 2026)₹ 1422.8693

Modified Duration2 days

Returns: 7.31%(3Y)

NAV(As On Apr 10, 2026)₹ 1503.1318

Modified Duration207 days

Returns: 7.46%(SI)

NAV(As On Apr 10, 2026)₹ 32.2369

Modified Duration2.17 years

Returns: 7.14%(3Y)

NAV(As On Apr 10, 2026)₹ 17.7491

Modified Duration2.80 years

Returns: 6.57%(3Y)

NAV(As On Apr 10, 2026)₹ 15.3939

Modified Duration163 days

Returns: 7.37%(SI)

NAV(As On Apr 10, 2026)₹ 3242.1172

Modified Duration295 days

Returns: 5.47%(SI)

NAV(As On Apr 10, 2026)₹ 1215.1796

Modified Duration10.87 years

Moderately High

Returns: 7.92%(SI)

NAV(As On Apr 10, 2026)₹ 29.2667

Modified Duration3.52 years

Returns: 6.84%(SI)

NAV(As On Apr 10, 2026)₹ 25.9158

Modified Duration8.28 years

Returns: 7.46%(3Y)

NAV(As On Apr 10, 2026)₹ 1352.3885

Modified Duration4.36 years

Returns: 7.71%(SI)

NAV(As On Apr 10, 2026)₹ 30.6134

Modified Duration5.41 years