Should I invest in Axis Credit Risk Fund?

We don't give personal investment advice. Axis Credit Risk Fund - Direct Plan - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.9%. 5-year CAGR: 7.45%.

Axis

Axis Credit Risk Fund - Direct Plan - Growth

Latest NAV

₹25.6310

As of

3 Jun 2026

2,872 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.05%	+18.47%	-18.42	6 / 16	Q2
1W	+0.26%	+15.49%	-15.23	10 / 19	Q3
2W	+0.52%	+29.32%	-28.80	6 / 17	Q2
1M	+0.42%	+29.50%	-29.07	7 / 17	Q2
3M	+1.18%	+31.41%	-30.23	10 / 17	Q3
6M	+2.98%	+34.09%	-31.11	9 / 17	Q3
YTD	+2.49%	+31.67%	-29.18	9 / 17	Q3
1Y	+7.32%	+32.15%	-24.83	8 / 18	Q2
2Y	+8.64%	+9.01%	-0.37	9 / 17	Q3
3Y	+8.36%	+9.42%	-1.06	8 / 14	Q3
4Y	+8.23%	+8.71%	-0.48	7 / 13	Q3
5Y	+7.45%	+8.37%	-0.93	9 / 13	Q3
7Y	+7.95%	+7.50%	+0.45	5 / 13	Q2
10Y	+7.75%	+7.61%	+0.14	8 / 12	Q3
Inception	+8.21%	+2.17%	+6.03	10 / 18	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+2.49%	+2.95%	-0.45	6 / 13
2025	+9.57%	+11.47%	-1.90	8 / 13
2024	+8.81%	+8.95%	-0.14	5 / 13
2023	+7.89%	+1.35%	+6.54	7 / 15
2022	+4.91%	+43.89%	-38.97	7 / 15
2021	+6.99%	-0.51%	+7.50	7 / 16
2020	+9.32%	+2.43%	+6.89	5 / 14
2019	+5.62%	+4.87%	+0.76	6 / 13
2018	+7.10%	+6.20%	+0.90	4 / 13
2017	+7.60%	+8.01%	-0.41	8 / 12
2016	+11.11%	+11.27%	-0.17	9 / 12

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+8.13%

133 windows

min 4.1% · max 12.0%

100% positive

3-Year rolling

+7.75%

109 windows

min 6.4% · max 10.7%

100% positive

5-Year rolling

+7.58%

84 windows

min 6.6% · max 8.7%

100% positive

7-Year rolling

+7.58%

60 windows

min 7.0% · max 8.7%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.94%

3-year · annualised

Sharpe ratio

1.67

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.42%

Mar 2026 → Mar 2026

% positive months

97.2%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Credit Risk Fund

Scheme	Fund house	NAV	As of
HDFC Credit Risk Debt Fund - Growth Option - Direct Plan	HDFC	₹27.5375	3 Jun 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.2014	3 Jun 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹52.3817	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹37.5622	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,293.2545	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.6046	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.2820	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.2782	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹59.3955	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹25.6310
2 Jun 2026	₹25.6266
1 Jun 2026	₹25.6130
31 May 2026	₹25.6038
29 May 2026	₹25.5943
27 May 2026	₹25.5791
26 May 2026	₹25.5609
25 May 2026	₹25.5447
22 May 2026	₹25.5094
21 May 2026	₹25.4929

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of Axis Credit Risk Fund - Direct Plan - Growth is ₹25.6310. It's a Credit Risk Fund from Axis, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Axis Credit Risk Fund - Direct Plan - Growth has NAV history starting from 21 Jul 2014, a track record of about 11 years 10 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Axis Credit Risk Fund - Direct Plan - Growth is managed by Axis. It's classified by AMFI under the 'Credit Risk Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Axis Credit Risk Fund - Direct Plan - Growth has delivered a absolute return of 7.32% — -24.83 pp behind the Credit Risk Fund category average of 32.15%. The fund ranks #8 of 18 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Axis Credit Risk Fund - Direct Plan - Growth has delivered a CAGR of 8.36% — -1.06 pp behind the Credit Risk Fund category average of 9.42%. The fund ranks #8 of 14 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Axis Credit Risk Fund - Direct Plan - Growth has delivered a CAGR of 7.45% — -0.93 pp behind the Credit Risk Fund category average of 8.37%. The fund ranks #9 of 13 in its category — the third (Q3) quartile.

₹1 lakh invested in Axis Credit Risk Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹210,968 today — a multiplier of 2.11×, based on the 10-year CAGR of 7.75%. The category average over the same window would have grown ₹1 lakh to ₹208,307.

A ₹10,000 monthly SIP in Axis Credit Risk Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹735,394 today. That's an XIRR (money-weighted annualised return) of 8.07%.

A ₹10,000 monthly SIP for 10 years in Axis Credit Risk Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,782,240 (multiplier 1.49×). XIRR: 7.67%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Axis Credit Risk Fund - Direct Plan - Growth ranks #9 out of 13 funds in the Credit Risk Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.37%; this fund delivered 7.45%.

The worst peak-to-trough decline Axis Credit Risk Fund - Direct Plan - Growth has experienced over the last 5-year window is 0.94% — its NAV fell from a high on 07 Apr 2022 to a low on 06 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Axis Credit Risk Fund - Direct Plan - Growth averaged 7.58% (best 8.69%, worst 6.60%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.67 — reasonable risk-adjusted performance.

In calendar year 2025, Axis Credit Risk Fund - Direct Plan - Growth returned 9.57% — lagging the Credit Risk Fund category average of 11.47% by 1.90 pp. It ranked #8 of 13 in its category that year.

Axis Credit Risk Fund - Direct Plan - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Axis Credit Risk Fund - Direct Plan - Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.9%. 5-year CAGR: 7.45%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Axis Credit Risk Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Credit Risk Fund

Recent NAVs

Frequently asked questions

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