Should I invest in ICICI Prudential Credit Risk Fund Bonus?

We don't give personal investment advice. ICICI Prudential Credit Risk Fund - Direct Plan 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.

ICICI Prudential

ICICI Prudential Credit Risk Fund - Direct Plan Bonus

Latest NAV

₹14.6853

As of

6 Feb 2019

975 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	+0.03%	+13.44%	-13.41	33 / 44	Q3
1W	-0.09%	+26.93%	-27.01	41 / 51	Q4
2W	+0.02%	+44.08%	-44.07	37 / 45	Q4
1M	+0.39%	+44.33%	-43.95	21 / 45	Q2
3M	+2.22%	+45.80%	-43.58	14 / 45	Q2
6M	+3.57%	+47.80%	-44.23	13 / 45	Q2
YTD	+0.57%	+45.06%	-44.50	29 / 45	Q3
1Y	+7.73%	+37.65%	-29.92	10 / 50	Q1
2Y	+7.36%	+0.08%	+7.27	22 / 49	Q2
3Y	+8.63%	+4.19%	+4.44	6 / 37	Q1
4Y	+8.75%	+4.28%	+4.46	4 / 33	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.71%	-10.07%	+18.78	10 / 54	Q1

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
2019 YTD	+0.57%	-0.88%	+1.45	15 / 35
2018	+7.58%	+0.62%	+6.97	2 / 34
2017	+7.67%	+1.91%	+5.75	4 / 29
2016	+10.44%	+4.63%	+5.81	6 / 28
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

+8.81%

38 windows

min 6.1% · max 11.6%

100% positive

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

3-Year rolling

+8.81%

13 windows

min 8.4% · max 9.2%

100% positive

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

5-Year rolling

—

Insufficient history

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

1.59%

3-year · annualised

Sharpe ratio

1.17

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.80%

Feb 2016 → Feb 2016

% 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 - Direct Plan	HDFC	₹24.1395	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.6214	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.9696	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,310.3743	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.3422	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.2712	3 Jun 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.4973	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2097	3 Jun 2026

Recent NAVs

Date	NAV
6 Feb 2019	₹14.6853
5 Feb 2019	₹14.6804
4 Feb 2019	₹14.6764
1 Feb 2019	₹14.6776
31 Jan 2019	₹14.7025
30 Jan 2019	₹14.6979
29 Jan 2019	₹14.6975
28 Jan 2019	₹14.6959
25 Jan 2019	₹14.6851
24 Jan 2019	₹14.6857

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 06 Feb 2019, the NAV of ICICI Prudential Credit Risk Fund - Direct Plan Bonus is ₹14.6853. It's a Credit Risk Fund from ICICI Prudential, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Credit Risk Fund - Direct Plan Bonus has NAV history starting from 23 Jan 2015, a track record of about 11 years 4 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 - Direct Plan 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 - Direct Plan Bonus has delivered a absolute return of 7.73% — -29.92 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #10 of 50 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Credit Risk Fund - Direct Plan Bonus has delivered a CAGR of 8.63% — +4.44 pp ahead of the Credit Risk Fund category average of 4.19%. The fund ranks #6 of 37 in its category — the top (Q1) quartile.

ICICI Prudential Credit Risk Fund - Direct Plan Bonus doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in ICICI Prudential Credit Risk Fund - Direct Plan Bonus exactly 3 years ago would be worth approximately ₹128,188 today — a multiplier of 1.28×, based on the 3-year CAGR of 8.63%. The category average over the same window would have grown ₹1 lakh to ₹113,113.

A ₹10,000 monthly SIP in ICICI Prudential Credit Risk Fund - Direct Plan Bonus over the last 3 years — total invested ₹360,000 — would be worth ₹405,532 today. That's an XIRR (money-weighted annualised return) of 7.86%.

ICICI Prudential Credit Risk Fund - Direct Plan Bonus doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹405,532 — XIRR 7.86%.

On a 3-year basis, ICICI Prudential Credit Risk Fund - Direct Plan Bonus ranks #6 out of 37 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 4.19%; this fund delivered 8.63%.

The worst peak-to-trough decline ICICI Prudential Credit Risk Fund - Direct Plan Bonus has experienced over the last 3-year window is 0.80% — its NAV fell from a high on 11 Feb 2016 to a low on 25 Feb 2016. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, ICICI Prudential Credit Risk Fund - Direct Plan Bonus averaged 8.81% (best 9.22%, worst 8.37%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 1.17 — strong risk-adjusted performance.

In calendar year 2018, ICICI Prudential Credit Risk Fund - Direct Plan Bonus returned 7.58% — beating the Credit Risk Fund category average of 0.62% by 6.97 pp. It ranked #2 of 34 in its category that year.

ICICI Prudential Credit Risk Fund - Direct Plan 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 - Direct Plan 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.

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