Should I invest in ICICI Prudential Credit Risk Fund?

We don't give personal investment advice. ICICI Prudential Credit Risk Fund - Growth 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: 0.8%. 5-year CAGR: 7.13%.

ICICI Prudential

ICICI Prudential Credit Risk Fund - Growth

Latest NAV

₹33.8855

As of

3 Jun 2026

3,737 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	+0.02%	+49.22%	-49.20	6 / 6	Q4
1W	+0.23%	+12.13%	-11.90	5 / 8	Q3
2W	+0.38%	+28.34%	-27.95	5 / 7	Q3
1M	+0.37%	+28.59%	-28.22	4 / 7	Q3
3M	+1.12%	+30.18%	-29.06	3 / 7	Q2
6M	+2.45%	+32.90%	-30.45	4 / 7	Q3
YTD	+2.08%	+30.11%	-28.03	4 / 7	Q3
1Y	+6.91%	+38.87%	-31.96	3 / 7	Q2
2Y	+8.15%	+20.86%	-12.71	3 / 6	Q2
3Y	+8.07%	+8.27%	-0.20	2 / 5	Q2
4Y	+7.79%	+7.20%	+0.59	1 / 5	Q1
5Y	+7.13%	+6.88%	+0.25	2 / 5	Q2
7Y	+7.74%	+6.81%	+0.92	1 / 5	Q1
10Y	+7.77%	+7.08%	+0.69	2 / 5	Q2
Inception	+8.19%	+21.29%	-13.10	3 / 6	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
2026 YTD	+2.08%	+2.01%	+0.07	2 / 4
2025	+9.45%	+8.83%	+0.62	1 / 4
2024	+8.36%	+7.92%	+0.44	1 / 4
2023	+7.28%	-11.13%	+18.41	2 / 6
2022	+5.05%	+52.98%	-47.93	3 / 6
2021	+6.16%	+4.91%	+1.25	4 / 6
2020	+9.71%	+4.18%	+5.53	2 / 5
2019	+9.46%	+6.59%	+2.87	1 / 5
2018	+6.54%	+6.45%	+0.09	2 / 5
2017	+6.66%	+6.89%	-0.23	3 / 5
2016	+9.49%	+9.88%	-0.39	4 / 5

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

+8.30%

177 windows

min 4.4% · max 11.9%

100% positive

3-Year rolling

+8.17%

153 windows

min 6.2% · max 10.3%

100% positive

5-Year rolling

+8.13%

128 windows

min 7.1% · max 9.5%

100% positive

7-Year rolling

+8.11%

104 windows

min 7.2% · max 9.1%

100% 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

1.06%

3-year · annualised

Sharpe ratio

1.22

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.40%

Feb 2026 → Mar 2026

% positive months

97.2%

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 - Growth Option	HDFC	₹25.3547	3 Jun 2026
Nippon India Credit Risk Fund - Growth Plan	Nippon India	₹37.1779	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Growth	Kotak	₹31.0974	3 Jun 2026
Baroda BNP Paribas Credit risk fund -Defunct -Growth option -Seg-Portfolio 2 (erstwhile BBNPP Medium Duration Fund-Defunct Growth Option Seg.Portfolio1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹33.8855
2 Jun 2026	₹33.8989
1 Jun 2026	₹33.8920
29 May 2026	₹33.8401
27 May 2026	₹33.8410
26 May 2026	₹33.8216
25 May 2026	₹33.8022
22 May 2026	₹33.7608
21 May 2026	₹33.7555
20 May 2026	₹33.7832

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 ICICI Prudential Credit Risk Fund - Growth is ₹33.8855. It's a Credit Risk Fund from ICICI Prudential, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Credit Risk Fund - Growth has NAV history starting from 06 Dec 2010, a track record of about 15 years 5 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

ICICI Prudential Credit Risk Fund - Growth 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 - Growth has delivered a absolute return of 6.91% — -31.96 pp behind the Credit Risk Fund category average of 38.87%. The fund ranks #3 of 7 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Credit Risk Fund - Growth has delivered a CAGR of 8.07% — -0.2 pp behind the Credit Risk Fund category average of 8.27%. The fund ranks #2 of 5 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Credit Risk Fund - Growth has delivered a CAGR of 7.13% — +0.25 pp ahead of the Credit Risk Fund category average of 6.88%. The fund ranks #2 of 5 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Credit Risk Fund - Growth exactly 10 years ago would be worth approximately ₹211,350 today — a multiplier of 2.11×, based on the 10-year CAGR of 7.77%. The category average over the same window would have grown ₹1 lakh to ₹198,270.

A ₹10,000 monthly SIP in ICICI Prudential Credit Risk Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹728,077 today. That's an XIRR (money-weighted annualised return) of 7.67%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Credit Risk Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,775,797 (multiplier 1.48×). XIRR: 7.60%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Credit Risk Fund - Growth ranks #2 out of 5 funds in the Credit Risk Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.88%; this fund delivered 7.13%.

The worst peak-to-trough decline ICICI Prudential Credit Risk Fund - Growth has experienced over the last 5-year window is 0.81% — its NAV fell from a high on 02 May 2022 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 - Growth averaged 8.13% (best 9.49%, worst 7.13%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.36 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Credit Risk Fund - Growth returned 9.45% — beating the Credit Risk Fund category average of 8.83% by 0.62 pp. It ranked #1 of 4 in its category that year.

ICICI Prudential Credit Risk Fund - Growth 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 - Growth 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: 0.8%. 5-year CAGR: 7.13%.

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

ICICI Prudential Credit Risk Fund - Growth

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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