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

We don't give personal investment advice. ICICI Prudential Credit Risk Fund - 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: 6.2%. 5-year CAGR: -0.25%.

ICICI Prudential

ICICI Prudential Credit Risk Fund - Half Yearly IDCW

Latest NAV

₹10.5892

As of

16 Sep 2022

2,842 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	10 / 11	Q4
1W	-0.07%	+30.19%	-30.26	10 / 13	Q4
2W	-0.03%	+41.30%	-41.33	11 / 12	Q4
1M	+0.18%	+41.75%	-41.57	11 / 12	Q4
3M	+2.14%	+43.25%	-41.11	5 / 12	Q2
6M	-0.36%	+45.00%	-45.36	8 / 12	Q3
YTD	+0.74%	+42.20%	-41.45	8 / 12	Q3
1Y	-1.99%	+50.25%	-52.24	11 / 12	Q4
2Y	-1.81%	+18.45%	-20.26	11 / 11	Q4
3Y	-0.60%	+3.72%	-4.33	8 / 9	Q4
4Y	+0.00%	+3.39%	-3.39	8 / 9	Q4
5Y	-0.25%	+3.15%	-3.40	8 / 9	Q4
7Y	-0.05%	+2.11%	-2.16	7 / 8	Q4
10Y	-0.05%	+2.30%	-2.35	5 / 7	Q3
Inception	+0.48%	+18.69%	-18.21	8 / 11	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	+0.74%	+60.56%	-59.82	6 / 10
2021	-1.11%	+0.71%	-1.82	6 / 10
2020	-0.34%	+0.51%	-0.84	7 / 9
2019	+0.57%	+1.65%	-1.08	5 / 9
2018	+1.69%	+1.81%	-0.12	4 / 9
2017	-0.99%	+1.49%	-2.48	7 / 9
2016	+0.40%	+4.19%	-3.79	8 / 9
2015	-0.64%	+2.99%	-3.63	3 / 3
2014	+0.54%	+1.44%	-0.90	2 / 2
2013	+0.16%	+0.65%	-0.48	2 / 2
2012	+0.65%	+0.65%	+0.00	1 / 1

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

+0.38%

132 windows

min -4.8% · max 6.4%

59% positive

3-Year rolling

+0.34%

108 windows

min -0.6% · max 2.5%

77% positive

5-Year rolling

+0.28%

83 windows

min -0.3% · max 0.9%

86% positive

7-Year rolling

+0.29%

59 windows

min -0.1% · max 1.2%

88% 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

5.52%

3-year · annualised

Sharpe ratio

-1.26

vs risk-free 6.5%

Sortino ratio

-1.42

Downside-only deviation

Max drawdown

-6.22%

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	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	₹10.5892
15 Sep 2022	₹10.5998
14 Sep 2022	₹10.6036
13 Sep 2022	₹10.6066
12 Sep 2022	₹10.5997
9 Sep 2022	₹10.5968
8 Sep 2022	₹10.5947
7 Sep 2022	₹10.5845
6 Sep 2022	₹10.6004
5 Sep 2022	₹10.5973

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 - Half Yearly IDCW is ₹10.5892. 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 - Half Yearly IDCW 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 - 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 - Half Yearly IDCW has delivered a absolute return of -1.99% — -52.24 pp behind the Credit Risk Fund category average of 50.25%. The fund ranks #11 of 12 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Credit Risk Fund - Half Yearly IDCW has delivered a CAGR of -0.60% — -4.33 pp behind the Credit Risk Fund category average of 3.72%. The fund ranks #8 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Credit Risk Fund - Half Yearly IDCW has delivered a CAGR of -0.25% — -3.4 pp behind the Credit Risk Fund category average of 3.15%. The fund ranks #8 of 9 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Credit Risk Fund - Half Yearly IDCW exactly 10 years ago would be worth approximately ₹99,507 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.05%. The category average over the same window would have grown ₹1 lakh to ₹125,517.

A ₹10,000 monthly SIP in ICICI Prudential Credit Risk Fund - Half Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹601,265 today. That's an XIRR (money-weighted annualised return) of 0.08%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Credit Risk Fund - Half Yearly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,209,136 (multiplier 1.01×). XIRR: 0.15%. 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 - Half Yearly IDCW ranks #8 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 -0.25%.

The worst peak-to-trough decline ICICI Prudential Credit Risk Fund - Half Yearly IDCW has experienced over the last 5-year window is 6.22% — 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 - Half Yearly IDCW averaged 0.28% (best 0.94%, worst -0.30%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is -1.31 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Credit Risk Fund - Half Yearly IDCW returned -1.11% — lagging the Credit Risk Fund category average of 0.71% by 1.82 pp. It ranked #6 of 10 in its category that year.

ICICI Prudential Credit Risk Fund - 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 - 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: 6.2%. 5-year CAGR: -0.25%.

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