Should I invest in Invesco India Credit Risk Fund - Discretionary IDCW (Payout / Reinvestment)?

We don't give personal investment advice. Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) 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: 1.0%. 5-year CAGR: 8.47%.

Invesco

Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)

Latest NAV

₹2,352.0932

As of

17 Jul 2026

1,842 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.

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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	-0.01%	+0.03%	-0.04	34 / 37	Q4
1W	-0.04%	-0.01%	-0.03	23 / 37	Q3
2W	+0.06%	+0.00%	+0.05	10 / 37	Q2
1M	+0.86%	+0.19%	+0.66	11 / 37	Q2
3M	+2.20%	+1.16%	+1.04	12 / 37	Q2
6M	+5.05%	+1.67%	+3.38	2 / 37	Q1
YTD	+5.13%	+1.98%	+3.14	3 / 37	Q1
1Y	+7.95%	+3.50%	+4.45	3 / 37	Q1
2Y	+9.80%	+4.71%	+5.08	3 / 37	Q1
3Y	+9.68%	+4.38%	+5.30	3 / 37	Q1
4Y	+9.93%	+4.32%	+5.62	2 / 33	Q1
5Y	+8.47%	+5.01%	+3.46	7 / 33	Q1
7Y	+8.85%	+3.53%	+5.33	3 / 33	Q1
10Y	—	—	—	—	—
Inception	+7.20%	+2.99%	+4.21	7 / 37	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
2026 YTD	+5.13%	+2.19%	+2.94	3 / 32
2025	+10.52%	+5.69%	+4.82	4 / 32
2024	+8.41%	+4.08%	+4.34	12 / 32
2023	+12.96%	+4.18%	+8.77	1 / 32
2022	+3.48%	+6.69%	-3.21	15 / 32
2021	+3.95%	+7.06%	-3.11	17 / 32
2020	+9.26%	-1.76%	+11.02	5 / 34
2019	-0.10%	-0.88%	+0.79	22 / 35
2018	—	—	—	—

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

+7.80%

83 windows

min -0.1% · max 15.2%

99% positive

3-Year rolling

+7.68%

57 windows

min 4.3% · max 10.8%

100% positive

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

5-Year rolling

+7.68%

34 windows

min 5.8% · max 8.5%

100% positive

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

7-Year rolling

+7.62%

10 windows

min 6.9% · max 8.9%

100% 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

1.92%

3-year · annualised

Sharpe ratio

1.46

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.37%

Mar 2026 → Apr 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 - IDCW Option - Direct Plan	HDFC	₹24.5987	17 Jul 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.9714	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.0282	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,180.4887	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.5272	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.5686	17 Jul 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹27.0252	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2112	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹2,352.0932
16 Jul 2026	₹2,352.3515
15 Jul 2026	₹2,349.8765
14 Jul 2026	₹2,348.2474
13 Jul 2026	₹2,352.7604
10 Jul 2026	₹2,352.9463
9 Jul 2026	₹2,350.0859
8 Jul 2026	₹2,348.2842
7 Jul 2026	₹2,353.2879
6 Jul 2026	₹2,353.6154

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 17 Jul 2026, the NAV of Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) is ₹2,352.0932. It's a Credit Risk Fund from Invesco, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) has NAV history starting from 26 Sep 2018, a track record of about 7 years 9 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.

Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) is managed by Invesco. 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, Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) has delivered a absolute return of 7.95% — +4.45 pp ahead of the Credit Risk Fund category average of 3.50%. The fund ranks #3 of 37 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) has delivered a CAGR of 9.68% — +5.3 pp ahead of the Credit Risk Fund category average of 4.38%. The fund ranks #3 of 37 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) has delivered a CAGR of 8.47% — +3.46 pp ahead of the Credit Risk Fund category average of 5.01%. The fund ranks #7 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) exactly 5 years ago would be worth approximately ₹150,186 today — a multiplier of 1.50×, based on the 5-year CAGR of 8.47%. The category average over the same window would have grown ₹1 lakh to ₹127,683.

A ₹10,000 monthly SIP in Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹762,204 today. That's an XIRR (money-weighted annualised return) of 9.50%.

Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,149,316 — XIRR 8.81%.

On a 5-year basis, Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) ranks #7 out of 33 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 5.01%; this fund delivered 8.47%.

The worst peak-to-trough decline Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) has experienced over the last 5-year window is 1.04% — its NAV fell from a high on 07 Apr 2022 to a low on 06 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, Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) averaged 7.68% (best 8.54%, worst 5.76%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.69 — reasonable risk-adjusted performance.

In calendar year 2025, Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) returned 10.52% — beating the Credit Risk Fund category average of 5.69% by 4.82 pp. It ranked #4 of 32 in its category that year.

Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) 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. Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) 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: 1.0%. 5-year CAGR: 8.47%.

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

Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)

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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