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Kotak Credit Risk Fund

Kotak Mahindra Mutual Fund · 119741 · Quant Rank #191

Not RecommendablePreliminary Assessment
PRELIMINARY_ASSESSMENT

Research Confidence reflects source quality and evidence depth — it is independent of the score below. A fund can score highly with low confidence, or moderately with high confidence.

Real Evidence
CategoryDEB
AUM₹773.5 Cr
BenchmarkCRISIL Credit Risk Debt B-II Index
RiskometerModerately High
TERInsufficient data
InceptionInsufficient data
Track RecordInsufficient data
Fund ManagerInsufficient data
AUM Floor₹1000 Cr
Min Track3 yrs
Max Alloc30%
Returns vs Benchmark
WindowFundBenchmark
1 Year7.90%7.04%
3 Year8.68%7.92%
5 Year6.80%7.18%
Since Launch8.24%8.53%
Calculated Parameters
FMTInsufficient data — no real 'managing since' date collected for this scheme's current manager
AMQ6/10
AUTInsufficient data — no real 3-months-ago AUM evidence (AMFI's live feed only carries current + ~1-month-ago; needs a genuine dated snapshot from an earlier sync)
ERSInsufficient data — no TER evidence collected for this scheme
Structural Gates
Gate 1 — EligibilityEXCLUDED

AUM floor: FAIL · Track record: UNKNOWN · SEBI: UNKNOWN

Gate 2Quant ScreenFAIL
Gate 3Top 10FAIL
Gate 4Top 5FAIL
Gate 5Top 2 ICFAIL
Candidate's 46.3 would rank #3 among 2 real existing category scores (top 2 = recommendable).
Analyst Name
MOMMomentum
7% weight
Preliminary

3–6M price+flow vs benchmark · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:03:35 PM

CONConsistency
10% weight
Preliminary

3Y/5Y quartile rank stability · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:03:37 PM

PQTPortfolio Quality
11% weight
Preliminary

PE, concentration, churn · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:03:39 PM

FMQFund Mgr Quality
12% weight
Preliminary

Philosophy, communication, style drift · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:03:41 PM

VALValuation Risk
10% weight
Preliminary

Portfolio PE/PB vs category avg · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:03:43 PM

STWSector Tailwinds
9% weight
Preliminary

Policy/macro drivers 12-18M · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:03:45 PM

DSPDownside Protection
8% weight
Preliminary

Max DD, Sortino, bear markets · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:03:46 PM

OPPOutperformance Prob.
8% weight
Preliminary

Analyst 12M alpha probability · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:03:48 PM

THSThesis Strength
2% weight
Preliminary

Analyst 12-24M thesis conviction · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:03:49 PM

V6 Final Score
46.3
/ 100 — Final Score
AVOID
MOM
4.2
CON
6.0
PQT
5.5
FMQ
6.0
VAL
5.0
STW
5.4
DSP
5.6
OPP
4.0
FMT
AMQ
3.6
AUT
ERS
THS
1.0
Data-limited: FMT, AUT, ERS (insufficient data — never defaulted to 0)
Source Evidence (14)
BenchmarkCRISIL Credit Risk Debt B-II Index
Riskometer (Scheme)Moderately High
NAV - Direct Plan36.2101
NAV Date21-Aug-2026
Daily AUM (Cr.)773.5406
1 Year Return - Direct Plan (%)7.8982
1 Year Return - Benchmark (%)7.0384
3 Year Return - Direct Plan (%)8.6771
3 Year Return - Benchmark (%)7.9246
5 Year Return - Direct Plan (%)6.7956
5 Year Return - Benchmark (%)7.1838
Since Launch Return - Direct Plan (%)8.2439
Since Launch Return - Benchmark (%)8.5321
Audit Log
THS 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:03:53 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Debt (overnight/liquid): capital-preservation mandate, return is a direct function of prevailing short-term rates, not manager skill.
OPP 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:03:51 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real return-vs-benchmark evidence: 1Y +0.86pp vs benchmark, 3Y +0.75pp vs benchmark, 5Y -0.39pp vs benchmark, SinceLaunch -0.29pp vs benchmark (avg 0.23pp).
DSP 77 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:03:50 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real Max Drawdown or Sortino data exists in any source checked this session; ordinary volatility/beta are never substituted. Debt category carries structurally low real drawdown risk by mandate design.
STW 66 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:03:48 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Category-level thesis: Debt (overnight/liquid): capital-preservation mandate, return is a direct function of prevailing short-term rates, not manager skill. No fund-specific sector-overweight evidence collected (no GICS sector allocation data exists for this scheme), so scored at the category's own general positioning.
VAL 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:03:46 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real TER data collected; scored at category-neutral baseline (no portfolio PE/PB data exists in any source checked this session).
FMQ 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:03:44 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No manager identity evidence collected; scored at category-neutral baseline.
PQT 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:03:42 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real AUM ₹773.541 Cr vs category floor ₹1000 Cr (0.8x). Small scale relative to floor — genuinely undifferentiated evidence either way.
CON 66 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:03:40 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No Value Research rating collected; consistency estimated from real return-vs-benchmark trend (1Y +0.86pp vs benchmark, 3Y +0.75pp vs benchmark, 5Y -0.39pp vs benchmark, SinceLaunch -0.29pp vs benchmark, avg 0.23pp).
MOM 66 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:03:39 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Most recent available window (1Y: +0.86pp vs benchmark) used as the closest real proxy for near-term momentum (V6's exact 3-6M window has no data source for most equity funds in this pipeline).
THS 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 1:13:18 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Debt (overnight/liquid): capital-preservation mandate, return is a direct function of prevailing short-term rates, not manager skill.
OPP 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 1:13:15 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real return-vs-benchmark evidence: 1Y +0.86pp vs benchmark, 3Y +0.75pp vs benchmark, 5Y -0.39pp vs benchmark, SinceLaunch -0.29pp vs benchmark (avg 0.23pp).
DSP 7 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 1:13:13 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real Max Drawdown or Sortino data exists in any source checked this session; ordinary volatility/beta are never substituted. Debt category carries structurally low real drawdown risk by mandate design.
STW 6 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 1:13:11 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Category-level thesis: Debt (overnight/liquid): capital-preservation mandate, return is a direct function of prevailing short-term rates, not manager skill. No fund-specific sector-overweight evidence collected (no GICS sector allocation data exists for this scheme), so scored at the category's own general positioning.
VAL 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 1:13:08 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real TER data collected; scored at category-neutral baseline (no portfolio PE/PB data exists in any source checked this session).
FMQ 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 1:13:06 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No manager identity evidence collected; scored at category-neutral baseline.
PQT 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 1:13:03 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real AUM ₹773.541 Cr vs category floor ₹1000 Cr (0.8x). Small scale relative to floor — genuinely undifferentiated evidence either way.
CON 6 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 1:13:00 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No Value Research rating collected; consistency estimated from real return-vs-benchmark trend (1Y +0.86pp vs benchmark, 3Y +0.75pp vs benchmark, 5Y -0.39pp vs benchmark, SinceLaunch -0.29pp vs benchmark, avg 0.23pp).
MOM 6 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 1:12:58 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Most recent available window (1Y: +0.86pp vs benchmark) used as the closest real proxy for near-term momentum (V6's exact 3-6M window has no data source for most equity funds in this pipeline).