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: 8.20%.

Invesco

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

Latest NAV

₹2,310.3743

As of

3 Jun 2026

1,811 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	+0.06%	+13.44%	-13.38	7 / 44	Q1
1W	+0.26%	+26.93%	-26.67	21 / 51	Q2
2W	+0.47%	+44.08%	-43.61	18 / 45	Q2
1M	+0.39%	+44.33%	-43.94	20 / 45	Q2
3M	+2.33%	+45.80%	-43.47	11 / 45	Q1
6M	+3.63%	+47.80%	-44.16	12 / 45	Q2
YTD	+3.28%	+45.06%	-41.79	12 / 45	Q2
1Y	+6.59%	+37.65%	-31.06	16 / 50	Q2
2Y	+9.32%	+0.08%	+9.23	10 / 49	Q1
3Y	+9.30%	+4.19%	+5.11	3 / 37	Q1
4Y	+9.66%	+4.28%	+5.38	2 / 33	Q1
5Y	+8.20%	+4.97%	+3.22	9 / 33	Q2
7Y	+8.07%	+3.15%	+4.92	3 / 33	Q1
10Y	—	—	—	—	—
Inception	+7.07%	-10.07%	+17.14	14 / 54	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	+3.28%	+1.31%	+1.97	4 / 32
2025	+10.52%	+5.69%	+4.82	4 / 32
2024	+8.41%	+4.08%	+4.34	12 / 32
2023	+12.96%	+1.03%	+11.93	1 / 33
2022	+3.48%	+58.89%	-55.41	22 / 39
2021	+3.95%	-8.73%	+12.68	17 / 44
2020	+9.26%	-3.99%	+13.25	5 / 39
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

+7.86%

80 windows

min 0.0% · max 15.1%

100% positive

3-Year rolling

+7.58%

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

+7.64%

31 windows

min 5.7% · 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

+7.40%

7 windows

min 6.9% · max 8.1%

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

2.00%

3-year · annualised

Sharpe ratio

1.22

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	₹24.1395	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 - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,180.0078	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
3 Jun 2026	₹2,310.3743
2 Jun 2026	₹2,310.7747
1 Jun 2026	₹2,309.4234
29 May 2026	₹2,308.8266
27 May 2026	₹2,305.2583
26 May 2026	₹2,304.7098
25 May 2026	₹2,304.1352
22 May 2026	₹2,299.9433
21 May 2026	₹2,298.6838
20 May 2026	₹2,300.2572

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 Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) is ₹2,310.3743. 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 8 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 6.59% — -31.06 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #16 of 50 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) has delivered a CAGR of 9.30% — +5.11 pp ahead of the Credit Risk Fund category average of 4.19%. 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 8.20% — +3.22 pp ahead of the Credit Risk Fund category average of 4.97%. The fund ranks #9 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) exactly 5 years ago would be worth approximately ₹148,282 today — a multiplier of 1.48×, based on the 5-year CAGR of 8.20%. The category average over the same window would have grown ₹1 lakh to ₹127,473.

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 ₹755,887 today. That's an XIRR (money-weighted annualised return) of 9.17%.

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 ₹1,139,653 — XIRR 8.57%.

On a 5-year basis, Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment) ranks #9 out of 33 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 4.97%; this fund delivered 8.20%.

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 7.64% (best 8.50%, worst 5.66%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.57 — 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: 8.20%.

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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