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

We don't give personal investment advice. ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly 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: 6.4%. 5-year CAGR: -0.24%.

ICICI Prudential

ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly IDCW

Latest NAV

₹10.9750

As of

16 Sep 2022

2,321 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%	+13.44%	-13.54	42 / 44	Q4
1W	-0.06%	+26.93%	-26.99	40 / 51	Q4
2W	0.00%	+44.08%	-44.09	38 / 45	Q4
1M	+0.24%	+44.33%	-44.10	30 / 45	Q3
3M	+2.31%	+45.80%	-43.49	12 / 45	Q2
6M	-0.33%	+47.80%	-48.13	33 / 45	Q3
YTD	+0.90%	+45.06%	-44.17	24 / 45	Q3
1Y	-1.97%	+37.65%	-39.62	42 / 50	Q4
2Y	-1.78%	+0.08%	-1.86	44 / 49	Q4
3Y	-0.57%	+4.19%	-4.76	35 / 37	Q4
4Y	-0.01%	+4.28%	-4.30	32 / 33	Q4
5Y	-0.24%	+4.97%	-5.22	32 / 33	Q4
7Y	-0.02%	+3.15%	-3.17	33 / 33	Q4
10Y	—	—	—	—	—
Inception	+0.45%	-10.07%	+10.52	40 / 54	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
2022 YTD	+0.90%	+58.89%	-57.99	26 / 39
2021	-1.09%	-8.73%	+7.64	30 / 44
2020	-0.26%	-3.99%	+3.73	26 / 39
2019	+0.47%	-0.88%	+1.35	17 / 35
2018	+1.75%	+0.62%	+1.13	11 / 34
2017	-0.98%	+1.91%	-2.89	27 / 29
2016	+0.38%	+4.63%	-4.25	25 / 28
2015	-0.48%	+0.67%	-1.15	2 / 2
2014	+0.46%	+1.94%	-1.47	2 / 2
2013	—	—	—	—

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

+0.37%

106 windows

min -2.4% · max 6.8%

55% positive

3-Year rolling

+0.30%

81 windows

min -0.6% · max 2.6%

78% positive

5-Year rolling

+0.27%

57 windows

min -0.3% · max 1.0%

84% positive

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

7-Year rolling

+0.31%

33 windows

min -0.1% · max 1.3%

85% 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

5.88%

3-year · annualised

Sharpe ratio

-1.18

vs risk-free 6.5%

Sortino ratio

-1.32

Downside-only deviation

Max drawdown

-6.41%

Sep 2020 → May 2022

% positive months

77.8%

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
16 Sep 2022	₹10.9750
15 Sep 2022	₹10.9857
14 Sep 2022	₹10.9895
13 Sep 2022	₹10.9924
12 Sep 2022	₹10.9850
9 Sep 2022	₹10.9815
8 Sep 2022	₹10.9791
7 Sep 2022	₹10.9682
6 Sep 2022	₹10.9846
5 Sep 2022	₹10.9812

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 - Direct Plan - Half Yearly IDCW is ₹10.9750. 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 - Half Yearly IDCW has NAV history starting from 01 Feb 2013, a track record of about 13 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 - Half Yearly 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 - Direct Plan - Half Yearly IDCW has delivered a absolute return of -1.97% — -39.62 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #42 of 50 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly IDCW has delivered a CAGR of -0.57% — -4.76 pp behind the Credit Risk Fund category average of 4.19%. The fund ranks #35 of 37 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly IDCW has delivered a CAGR of -0.24% — -5.22 pp behind the Credit Risk Fund category average of 4.97%. The fund ranks #32 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly IDCW exactly 5 years ago would be worth approximately ₹98,797 today — a multiplier of 0.99×, based on the 5-year CAGR of -0.24%. The category average over the same window would have grown ₹1 lakh to ₹127,473.

A ₹10,000 monthly SIP in ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹602,364 today. That's an XIRR (money-weighted annualised return) of 0.15%.

ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹844,883 — XIRR 0.16%.

On a 5-year basis, ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly IDCW ranks #32 out of 33 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 4.97%; this fund delivered -0.24%.

The worst peak-to-trough decline ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly IDCW has experienced over the last 5-year window is 6.41% — its NAV fell from a high on 30 Sep 2020 to a low on 09 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, ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly IDCW averaged 0.27% (best 1.00%, worst -0.28%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is -1.20 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly IDCW returned -1.09% — beating the Credit Risk Fund category average of -8.73% by 7.64 pp. It ranked #30 of 44 in its category that year.

ICICI Prudential Credit Risk Fund - Direct Plan - Half Yearly 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 - Direct Plan - Half Yearly 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: 6.4%. 5-year CAGR: -0.24%.

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