Axis Credit Risk Fund
Axis Mutual Fund · Credit Risk · Regular plan, growth option
NAV (₹), 2 Oct 2026
23.4110
1-day change
-0.10%
1Y return
7.0%
3Y CAGR
7.9%
5Y CAGR
6.8%
Max drawdown, 5Y
−1.0%
NAV history month-end NAV, ₹ · 21 Jul 2014 to 1 Oct 2026
Returns vs Credit Risk median (14 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.2% | 0.1% |
| 3 months | 1.1% | 1.1% |
| 6 months | 4.1% | 4.1% |
| Year to date | 5.2% | 5.0% |
| 1 year | 7.0% | 6.8% |
| 3 years (CAGR) | 7.9% | 8.1% |
| 5 years (CAGR) | 6.8% | 7.1% |
| 7 years (CAGR) | 7.1% | 7.1% |
| 10 years (CAGR) | 6.6% | 6.5% |
| Since first NAV (CAGR) | 7.2% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.4% | 7.6% |
| 3Y rolling median | 6.4% | 7.3% |
| 3Y rolling worst | 5.1% | 3.9% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 6.7% | 6.8% |
| 5Y rolling worst | 5.4% | 5.0% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 1.2% | 1.3% |
| Sharpe ratio | 1.04 | 0.84 |
| Sortino ratio | 1.99 | 2.18 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −3.5% | −4.0% |
| Maximum drawdown, last 10Y | −3.5% | −5.1% |
| Maximum drawdown, last 5Y | −1.0% | −1.1% |
| Current drawdown | −0.2% | −0.2% |
| Recovery time of worst fall | 156 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 1.61% | 1.46% |
| AUM, whole scheme (₹ crore) | n/a | n/a |
| Riskometer | n/a | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Month-ends above category median (3Y CAGR) | 36% | 46% median |
| Month-ends in category top quartile (3Y) | 0% | 29% median |
| 7Y rolling CAGR, median (monthly windows) | 6.4% | 6.4% median |
Category consistency: last 10 years of month-ends, Credit Risk Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 5.2% | n/a | – |
| 2025 | 8.7% | n/a | – |
| 2024 | 8.0% | n/a | – |
| 2023 | 7.0% | n/a | – |
| 2022 | 4.0% | n/a | – |
| 2021 | 6.0% | n/a | – |
| 2020 | 8.2% | n/a | – |
| 2019 | 4.4% | n/a | – |
| 2018 | 5.9% | n/a | – |
| 2017 | 6.4% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,509 | 7.0% |
| 3 years | ₹3,60,000 | ₹4,04,891 | 7.8% |
| 5 years | ₹6,00,000 | ₹7,25,262 | 7.5% |
| 10 years | ₹12,00,000 | ₹17,06,827 | 6.8% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: Axis Mutual Fund
Category: Credit Risk
Plan / option: Regular · Growth
AMFI scheme code: 130309
ISIN: INF846K01PO5
First NAV in MFIC data: 21 Jul 2014
History: 12.2 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| HDFC Credit Risk Fund | Credit Risk | 0.96 | 7.5% |
| Axis Short Term Fund | Short Duration | 0.95 | 7.1% |
| Axis Short Term Fund | Short Duration | 0.95 | 7.1% |
| Nippon India Short Term Fund | Short Duration | 0.95 | 7.0% |
| Axis Medium Term Fund | Medium Duration | 0.95 | 7.6% |
| Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1) | Credit Risk | 0.95 | 8.0% |
Questions about Axis Credit Risk Fund
- What is the latest NAV of Axis Credit Risk Fund?
- The NAV of the Regular plan (growth option) was ₹23.4110 on 2 Oct 2026, as published by AMFI.
- Which category is Axis Credit Risk Fund in?
- It is classified as Credit Risk in AMFI's daily NAV file. MFIC compares it with 14 Credit Risk schemes (Regular plans).
- What returns has Axis Credit Risk Fund delivered?
- Over one year the NAV changed by 7.0%. The 3-year CAGR is 7.9% (category median 8.1%) and the 5-year CAGR is 6.8% (category median 7.1%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 6.4%, the lowest was 5.1%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Axis Credit Risk Fund's NAV?
- The largest peak-to-trough fall in its available history was 3.5%; within the last five years it was 1.0% (category median 1.1%).
- How volatile is Axis Credit Risk Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 1.2%, which is below the Credit Risk category median of 1.3%.
- What would a monthly SIP in Axis Credit Risk Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,25,262 on 2 Oct 2026, an annualised return (XIRR) of 7.5%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Axis Credit Risk Fund?
- The total expense ratio of the Regular plan is 1.61% a year, as disclosed to AMFI (median of Credit Risk Regular plans: 1.46%). It is already deducted from the NAV, so every return shown is after expenses.
- How often has Axis Credit Risk Fund beaten its category?
- At 36% of the 111 month-ends compared over the last 10 years, its 3-year return was above the median of Credit Risk schemes (Regular plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 7.8% and the Regular plan's by 7.0%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.