Should I invest in ICICI Prudential Credit Risk Fund - Bonus?

We don't give personal investment advice. ICICI Prudential Credit Risk Fund - Bonus 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: 2.2%. 5-year CAGR: 8.05%.

ICICI Prudential

ICICI Prudential Credit Risk Fund - Bonus

Latest NAV

₹15.7498

As of

24 Apr 2020

1,319 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	-0.33%	+53.59%	-53.92	11 / 11	Q4
1W	+0.02%	+30.19%	-30.17	9 / 13	Q3
2W	+0.43%	+41.30%	-40.87	6 / 12	Q2
1M	+1.90%	+41.75%	-39.85	3 / 12	Q1
3M	+1.40%	+43.25%	-41.85	6 / 12	Q2
6M	+4.17%	+45.00%	-40.83	4 / 12	Q2
YTD	+2.08%	+42.20%	-40.12	5 / 12	Q2
1Y	+9.17%	+50.25%	-41.08	3 / 12	Q1
2Y	+8.17%	+18.45%	-10.28	4 / 11	Q2
3Y	+7.58%	+3.72%	+3.85	3 / 9	Q2
4Y	+8.03%	+3.39%	+4.64	1 / 9	Q1
5Y	+8.05%	+3.15%	+4.90	2 / 9	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.21%	+18.69%	-10.48	3 / 11	Q2

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
2020 YTD	+2.08%	+0.51%	+1.58	2 / 9
2019	+9.44%	+1.65%	+7.79	1 / 9
2018	+6.53%	+1.81%	+4.72	1 / 9
2017	+6.65%	+1.49%	+5.17	2 / 9
2016	+9.49%	+4.19%	+5.30	3 / 9
2015	+8.91%	+2.99%	+5.91	1 / 3
2014	—	—	—	—

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

+8.04%

55 windows

min 5.0% · max 10.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+7.78%

31 windows

min 7.1% · max 8.8%

100% positive

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

5-Year rolling

+8.17%

6 windows

min 7.8% · max 8.4%

100% positive

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

7-Year rolling

—

Insufficient history

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

1.94%

3-year · annualised

Sharpe ratio

0.44

vs risk-free 6.5%

Sortino ratio

0.79

Downside-only deviation

Max drawdown

-2.18%

Mar 2020 → Mar 2020

% positive months

94.4%

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
24 Apr 2020	₹15.7498
23 Apr 2020	₹15.8018
22 Apr 2020	₹15.7855
21 Apr 2020	₹15.7638
20 Apr 2020	₹15.7627
17 Apr 2020	₹15.7471
16 Apr 2020	₹15.6984
15 Apr 2020	₹15.6814
13 Apr 2020	₹15.6911
9 Apr 2020	₹15.6820

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 24 Apr 2020, the NAV of ICICI Prudential Credit Risk Fund - Bonus is ₹15.7498. 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 - Bonus has NAV history starting from 05 Nov 2014, a track record of about 11 years 6 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 - Bonus 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 - Bonus has delivered a absolute return of 9.17% — -41.08 pp behind the Credit Risk Fund category average of 50.25%. The fund ranks #3 of 12 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Credit Risk Fund - Bonus has delivered a CAGR of 7.58% — +3.85 pp ahead of the Credit Risk Fund category average of 3.72%. The fund ranks #3 of 9 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Credit Risk Fund - Bonus has delivered a CAGR of 8.05% — +4.9 pp ahead of the Credit Risk Fund category average of 3.15%. The fund ranks #2 of 9 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Credit Risk Fund - Bonus exactly 5 years ago would be worth approximately ₹147,278 today — a multiplier of 1.47×, based on the 5-year CAGR of 8.05%. 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 - Bonus over the last 5 years — total invested ₹600,000 — would be worth ₹733,467 today. That's an XIRR (money-weighted annualised return) of 7.96%.

ICICI Prudential Credit Risk Fund - Bonus doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹733,467 — XIRR 7.96%.

On a 5-year basis, ICICI Prudential Credit Risk Fund - Bonus ranks #2 out of 9 funds in the Credit Risk Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.15%; this fund delivered 8.05%.

The worst peak-to-trough decline ICICI Prudential Credit Risk Fund - Bonus has experienced over the last 5-year window is 2.18% — 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 - Bonus averaged 8.17% (best 8.36%, worst 7.82%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.70 — reasonable risk-adjusted performance.

In calendar year 2019, ICICI Prudential Credit Risk Fund - Bonus returned 9.44% — beating the Credit Risk Fund category average of 1.65% by 7.79 pp. It ranked #1 of 9 in its category that year.

ICICI Prudential Credit Risk Fund - Bonus 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 - Bonus 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: 2.2%. 5-year CAGR: 8.05%.

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

ICICI Prudential Credit Risk Fund - Bonus

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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