Nippon India Mutual Fund
Nippon India Credit Risk Fund Plan8.0Q1★4
- NAV
- ₹41.51
- Expense
- 0.7%
- AUM
- ₹105903.6 L Cr
- 1Y
- +8.2%
- 3Y
- +8.9%
- 5Y
- +9.2%
#2 of 15
Min SIP: ₹100Ideal: 1-3 years
DSP Mutual Fund
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| -0.01% | +6.42% | +6.18% | +7.35% | +11.39% | +16.80% | +13.08% | +8.94% |
Breakdown
Simulated ₹10,000/month systematic investment plan, computed from NAV history.
1 Year SIP
+16.62%
₹1.31 L value on ₹1.20 L invested
3 Year SIP
—
Not enough NAV history yet.
5 Year SIP
—
Not enough NAV history yet.
This fund (1Y)
+11.39%
Rank #1 of 15
Category average (1Y)
+6.92%
Quartile Q1 ★ Top 25%
Beats 93% of other debt funds on 1Y return.
💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.
No red flags detected
This fund scores reasonably across returns, risk, and costs. Always cross-check with your own goals before investing.
Estimated corpus
₹4.25 L
How it stacks up vs alternatives
⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.
Return 11.4% · Risk (std dev) 6.1%
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of 0.80 confirms fair risk-adjusted returns.
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
Nippon India Mutual Fund
Nippon India Credit Risk Fund PlanNippon India Mutual Fund
Nippon India Low Duration Fund Growth Plan Option💡 Ratings are not guarantees. Past performance does not predict future results.
Expense ratio: 0.40%
That is ₹400 per year on every ₹1 lakh invested.
10-year impact on ₹1 lakh (assuming 12% gross return)
Without this expense, ₹1 lakh would have grown to ₹3.11 L.
Portfolio holdings updated monthly
AMFI publishes scheme portfolios monthly. Check back after the next disclosure cycle for top holdings and sector allocation.
Duration of 1-3 years. Affected by rate movements but relatively stable.
This is an Debt Fund.
💡 Worked example
Invest ₹1,00,000 and gain ₹25,000 over 2 years:
Post-Budget 2025: listed debt funds held over 2 years qualify for 12.5% LTCG (no indexation). Unlisted debt funds need 3 years.
If the broader market falls 20%, this fund is expected to fall about 2.4%.
Based on 1Y max drawdown of -1.8% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.12× market. Above-average protection.
⚠️ Estimate, not a guarantee. Actual market falls vary.
Choosing this Direct plan over a Regular plan saves about ₹12.90 L. Index fund would still beat it by ₹3.91 L thanks to its lower expense ratio.
Nippon India Mutual Fund
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HDFC Money Market Fund Option