Should I invest in ICICI Prudential Credit Risk Fund - Annual IDCW?

We don't give personal investment advice. ICICI Prudential Credit Risk Fund - Annual 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: 10.8%. 5-year CAGR: -0.40%.

ICICI Prudential

ICICI Prudential Credit Risk Fund - Annual IDCW

Latest NAV

₹10.3035

As of

16 Sep 2022

1,811 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	-0.10%	+53.59%	-53.69	9 / 11	Q4
1W	-0.07%	+30.19%	-30.26	11 / 13	Q4
2W	-0.03%	+41.30%	-41.33	10 / 12	Q4
1M	+0.18%	+41.75%	-41.57	10 / 12	Q4
3M	+2.14%	+43.25%	-41.10	4 / 12	Q2
6M	-4.02%	+45.00%	-49.02	11 / 12	Q4
YTD	-2.96%	+42.20%	-45.16	11 / 12	Q4
1Y	-1.80%	+50.25%	-52.04	10 / 12	Q4
2Y	-1.40%	+18.45%	-19.85	10 / 11	Q4
3Y	-0.92%	+3.72%	-4.64	9 / 9	Q4
4Y	-0.19%	+3.39%	-3.57	9 / 9	Q4
5Y	-0.40%	+3.15%	-3.55	9 / 9	Q4
7Y	-0.17%	+2.11%	-2.28	8 / 8	Q4
10Y	—	—	—	—	—
Inception	+0.40%	+18.69%	-18.30	10 / 11	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
2022 YTD	-2.96%	+60.56%	-63.52	10 / 10
2021	-2.86%	+0.71%	-3.57	8 / 10
2020	+0.06%	+0.51%	-0.45	5 / 9
2019	+2.66%	+1.65%	+1.01	3 / 9
2018	+0.07%	+1.81%	-1.74	7 / 9
2017	-3.03%	+1.49%	-4.52	9 / 9
2016	+2.41%	+4.19%	-1.78	4 / 9
2015	—	—	—	—

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

+0.07%

80 windows

min -3.3% · max 6.9%

50% positive

3-Year rolling

+0.02%

55 windows

min -0.9% · max 1.0%

49% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

-0.08%

31 windows

min -0.7% · max 0.6%

39% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+0.06%

7 windows

min -0.2% · max 1.0%

29% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

8.02%

3-year · annualised

Sharpe ratio

-0.89

vs risk-free 6.5%

Sortino ratio

-0.94

Downside-only deviation

Max drawdown

-10.79%

Mar 2020 → Mar 2020

% positive months

86.1%

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 - IDCW Option	HDFC	₹23.3474	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
ICICI Prudential Credit Risk Fund - Quarterly IDCW	ICICI Prudential	₹11.2642	3 Jun 2026
Franklin India Credit Risk Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	3 Jun 2026
Baroda BNP Paribas Credit Risk fund -Defunct -Monthly IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Defunct-Monthly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
16 Sep 2022	₹10.3035
15 Sep 2022	₹10.3138
14 Sep 2022	₹10.3174
13 Sep 2022	₹10.3204
12 Sep 2022	₹10.3136
9 Sep 2022	₹10.3109
8 Sep 2022	₹10.3088
7 Sep 2022	₹10.2988
6 Sep 2022	₹10.3143
5 Sep 2022	₹10.3113

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 16 Sep 2022, the NAV of ICICI Prudential Credit Risk Fund - Annual IDCW is ₹10.3035. It's a Credit Risk Fund from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Credit Risk Fund - Annual IDCW has NAV history starting from 23 Mar 2015, a track record of about 11 years 2 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.

ICICI Prudential Credit Risk Fund - Annual IDCW is managed by ICICI Prudential. 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, ICICI Prudential Credit Risk Fund - Annual IDCW has delivered a absolute return of -1.80% — -52.04 pp behind the Credit Risk Fund category average of 50.25%. The fund ranks #10 of 12 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Credit Risk Fund - Annual IDCW has delivered a CAGR of -0.92% — -4.64 pp behind the Credit Risk Fund category average of 3.72%. The fund ranks #9 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Credit Risk Fund - Annual IDCW has delivered a CAGR of -0.40% — -3.55 pp behind the Credit Risk Fund category average of 3.15%. The fund ranks #9 of 9 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Credit Risk Fund - Annual IDCW exactly 5 years ago would be worth approximately ₹98,014 today — a multiplier of 0.98×, based on the 5-year CAGR of -0.40%. The category average over the same window would have grown ₹1 lakh to ₹116,777.

A ₹10,000 monthly SIP in ICICI Prudential Credit Risk Fund - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹587,749 today. That's an XIRR (money-weighted annualised return) of -0.81%.

ICICI Prudential Credit Risk Fund - Annual IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹821,696 — XIRR -0.62%.

On a 5-year basis, ICICI Prudential Credit Risk Fund - Annual IDCW ranks #9 out of 9 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 3.15%; this fund delivered -0.40%.

The worst peak-to-trough decline ICICI Prudential Credit Risk Fund - Annual IDCW has experienced over the last 5-year window is 10.79% — its NAV fell from a high on 06 Mar 2020 to a low on 26 Mar 2020. 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, ICICI Prudential Credit Risk Fund - Annual IDCW averaged -0.08% (best 0.59%, worst -0.66%). 39% of rolling windows ended positive. The 5-year Sharpe ratio is -0.92 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Credit Risk Fund - Annual IDCW returned -2.86% — lagging the Credit Risk Fund category average of 0.71% by 3.57 pp. It ranked #8 of 10 in its category that year.

ICICI Prudential Credit Risk Fund - Annual 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. ICICI Prudential Credit Risk Fund - Annual 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: 10.8%. 5-year CAGR: -0.40%.

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