Should I invest in Axis Credit Risk Fund - Monthly IDCW?

We don't give personal investment advice. Axis Credit Risk Fund - Regular Plan - Monthly IDCW 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: 2.4%. 5-year CAGR: -0.19%.

Axis

Axis Credit Risk Fund - Regular Plan - Monthly IDCW

Latest NAV

₹10.0868

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.

Period

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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%	+0.04%	+0.02	8 / 36	Q1
1W	+0.24%	+23.03%	-22.79	16 / 41	Q2
2W	+0.04%	+40.35%	-40.31	34 / 36	Q4
1M	-0.09%	+40.52%	-40.61	34 / 36	Q4
3M	-0.60%	+41.87%	-42.47	31 / 36	Q4
6M	-0.92%	+43.31%	-44.23	30 / 36	Q4
YTD	-0.66%	+40.80%	-41.46	30 / 36	Q4
1Y	-0.93%	+29.96%	-30.89	28 / 41	Q3
2Y	-0.01%	-4.68%	+4.67	32 / 41	Q4
3Y	+0.01%	+4.58%	-4.57	27 / 31	Q4
4Y	+0.22%	+4.37%	-4.15	25 / 28	Q4
5Y	-0.19%	+5.19%	-5.37	27 / 28	Q4
7Y	+0.48%	+3.07%	-2.58	25 / 28	Q4
10Y	-0.01%	+2.50%	-2.51	23 / 23	Q4
Inception	+0.03%	-16.47%	+16.50	36 / 46	Q4

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	-0.66%	+0.57%	-1.23	24 / 30
2025	+0.57%	+6.54%	-5.97	24 / 30
2024	+0.14%	+3.89%	-3.75	22 / 30
2023	+0.01%	+4.30%	-4.29	26 / 31
2022	-0.39%	+50.17%	-50.56	30 / 33
2021	-0.66%	-10.96%	+10.30	24 / 38
2020	+0.65%	-4.85%	+5.50	18 / 33
2019	-0.06%	-1.86%	+1.80	16 / 28
2018	+0.17%	-0.45%	+0.62	10 / 28
2017	-0.74%	+1.47%	-2.20	20 / 24
2016	+1.00%	+4.33%	-3.32	19 / 24

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

+0.03%

133 windows

min -3.3% · max 3.6%

54% positive

3-Year rolling

+0.00%

109 windows

min -1.2% · max 0.8%

54% positive

5-Year rolling

+0.00%

84 windows

min -0.4% · max 0.7%

45% positive

7-Year rolling

0.00%

60 windows

min -0.2% · max 0.5%

47% 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

0.88%

3-year · annualised

Sharpe ratio

-7.33

vs risk-free 6.5%

Sortino ratio

-9.74

Downside-only deviation

Max drawdown

-1.81%

Apr 2025 → May 2026

% positive months

58.3%

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
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.9589	3 Jun 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,037.8107	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.2544	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹12.9096	3 Jun 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.5239	3 Jun 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1227	3 Jun 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2656	3 Jun 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.2488	3 Jun 2026
Baroda BNP Paribas Credit Risk fund - Regular-Quarterly- IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular-Quarterly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.0868
2 Jun 2026	₹10.0853
1 Jun 2026	₹10.0801
31 May 2026	₹10.0767
29 May 2026	₹10.0734
27 May 2026	₹10.0679
26 May 2026	₹10.0609
25 May 2026	₹10.0547
22 May 2026	₹10.0864
21 May 2026	₹10.0801

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 - Regular Plan - Monthly IDCW is ₹10.0868. It's a Credit Risk Fund from Axis, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Axis Credit Risk Fund - Regular Plan - Monthly IDCW 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 - Regular Plan - Monthly IDCW 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 - Regular Plan - Monthly IDCW has delivered a absolute return of -0.93% — -30.89 pp behind the Credit Risk Fund category average of 29.96%. The fund ranks #28 of 41 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Axis Credit Risk Fund - Regular Plan - Monthly IDCW has delivered a CAGR of 0.01% — -4.57 pp behind the Credit Risk Fund category average of 4.58%. The fund ranks #27 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Axis Credit Risk Fund - Regular Plan - Monthly IDCW has delivered a CAGR of -0.19% — -5.37 pp behind the Credit Risk Fund category average of 5.19%. The fund ranks #27 of 28 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Axis Credit Risk Fund - Regular Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹99,944 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.01%. The category average over the same window would have grown ₹1 lakh to ₹128,048.

A ₹10,000 monthly SIP in Axis Credit Risk Fund - Regular Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹598,945 today. That's an XIRR (money-weighted annualised return) of -0.07%.

A ₹10,000 monthly SIP for 10 years in Axis Credit Risk Fund - Regular Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,197,303 (multiplier 1.00×). XIRR: -0.04%. 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 - Regular Plan - Monthly IDCW ranks #27 out of 28 funds in the Credit Risk Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 5.19%; this fund delivered -0.19%.

The worst peak-to-trough decline Axis Credit Risk Fund - Regular Plan - Monthly IDCW has experienced over the last 5-year window is 2.42% — its NAV fell from a high on 23 Sep 2021 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 - Regular Plan - Monthly IDCW averaged 0.00% (best 0.67%, worst -0.41%). 45% of rolling windows ended positive. The 5-year Sharpe ratio is -7.52 — negative risk-adjusted performance.

In calendar year 2025, Axis Credit Risk Fund - Regular Plan - Monthly IDCW returned 0.57% — lagging the Credit Risk Fund category average of 6.54% by 5.97 pp. It ranked #24 of 30 in its category that year.

Axis Credit Risk Fund - Regular Plan - Monthly IDCW 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 - Regular Plan - Monthly IDCW 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: 2.4%. 5-year CAGR: -0.19%.

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