Should I invest in Invesco India Credit Risk Fund?

We don't give personal investment advice. Invesco India Credit Risk Fund - Direct Plan - 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: 1.0%. 5-year CAGR: 8.48%.

Invesco

Invesco India Credit Risk Fund - Direct Plan - Growth

Latest NAV

₹2,334.6655

As of

17 Jul 2026

2,863 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%	+0.04%	-0.06	14 / 14	Q4
1W	-0.04%	+0.04%	-0.07	12 / 14	Q4
2W	+0.06%	+0.05%	+0.01	5 / 14	Q2
1M	+0.86%	+0.92%	-0.06	9 / 14	Q3
3M	+2.20%	+2.19%	+0.00	7 / 14	Q2
6M	+5.05%	+4.55%	+0.50	2 / 14	Q1
YTD	+5.13%	+4.79%	+0.34	3 / 14	Q1
1Y	+7.95%	+8.02%	-0.07	5 / 14	Q2
2Y	+9.80%	+9.96%	-0.17	4 / 14	Q2
3Y	+9.68%	+9.73%	-0.05	4 / 14	Q2
4Y	+9.94%	+8.90%	+1.04	3 / 13	Q1
5Y	+8.48%	+8.48%	-0.01	5 / 13	Q2
7Y	+8.19%	+7.66%	+0.53	5 / 13	Q2
10Y	+6.75%	+7.63%	-0.88	10 / 12	Q4
Inception	+7.40%	+8.36%	-0.96	12 / 14	Q4

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%	+4.78%	+0.35	3 / 13
2025	+10.52%	+11.47%	-0.95	4 / 13
2024	+8.41%	+8.95%	-0.54	10 / 13
2023	+12.97%	+8.59%	+4.38	2 / 14
2022	+3.48%	+4.85%	-1.37	11 / 13
2021	+3.95%	+9.50%	-5.55	12 / 13
2020	+9.25%	+4.10%	+5.15	6 / 13
2019	-3.59%	+4.87%	-8.45	12 / 13
2018	+4.76%	+6.20%	-1.44	12 / 13
2017	+7.75%	+8.01%	-0.26	6 / 12
2016	+11.69%	+11.27%	+0.41	4 / 12

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

+7.21%

133 windows

min -5.8% · max 13.6%

91% positive

3-Year rolling

+6.50%

109 windows

min 2.5% · max 10.8%

100% positive

5-Year rolling

+5.92%

84 windows

min 3.3% · max 8.5%

100% positive

7-Year rolling

+5.90%

60 windows

min 5.2% · max 8.2%

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

1.92%

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 - Growth Option - Direct Plan	HDFC	₹28.0614	17 Jul 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.8973	17 Jul 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹53.4845	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹38.3011	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.9380	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.8505	17 Jul 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.9811	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹60.3545	17 Jul 2026
HSBC Credit Risk Fund - Direct Growth	HSBC	₹37.4131	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹2,334.6655
16 Jul 2026	₹2,334.9219
15 Jul 2026	₹2,332.4652
14 Jul 2026	₹2,330.8484
13 Jul 2026	₹2,335.3278
10 Jul 2026	₹2,335.5125
9 Jul 2026	₹2,332.6734
8 Jul 2026	₹2,330.8852
7 Jul 2026	₹2,335.8518
6 Jul 2026	₹2,336.1770

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 - Growth is ₹2,334.6655. It's a Credit Risk Fund from Invesco, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Invesco India Credit Risk Fund - Direct Plan - Growth has NAV history starting from 08 Sep 2014, a track record of about 11 years 10 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 - Growth 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 - Growth has delivered a absolute return of 7.95% — -0.07 pp behind the Credit Risk Fund category average of 8.02%. The fund ranks #5 of 14 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Invesco India Credit Risk Fund - Direct Plan - Growth has delivered a CAGR of 9.68% — -0.05 pp behind the Credit Risk Fund category average of 9.73%. The fund ranks #4 of 14 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Invesco India Credit Risk Fund - Direct Plan - Growth has delivered a CAGR of 8.48% — -0.01 pp behind the Credit Risk Fund category average of 8.48%. The fund ranks #5 of 13 in its category — the second (Q2) quartile.

₹1 lakh invested in Invesco India Credit Risk Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹192,163 today — a multiplier of 1.92×, based on the 10-year CAGR of 6.75%. The category average over the same window would have grown ₹1 lakh to ₹208,632.

A ₹10,000 monthly SIP in Invesco India Credit Risk Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹762,245 today. That's an XIRR (money-weighted annualised return) of 9.51%.

A ₹10,000 monthly SIP for 10 years in Invesco India Credit Risk Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,770,046 (multiplier 1.48×). XIRR: 7.54%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Invesco India Credit Risk Fund - Direct Plan - Growth ranks #5 out of 13 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 8.48%; this fund delivered 8.48%.

The worst peak-to-trough decline Invesco India Credit Risk Fund - Direct Plan - Growth 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 - Growth averaged 5.92% (best 8.48%, worst 3.34%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.70 — reasonable risk-adjusted performance.

In calendar year 2025, Invesco India Credit Risk Fund - Direct Plan - Growth returned 10.52% — lagging the Credit Risk Fund category average of 11.47% by 0.95 pp. It ranked #4 of 13 in its category that year.

Invesco India Credit Risk Fund - Direct Plan - 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. Invesco India Credit Risk Fund - Direct Plan - 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: 1.0%. 5-year CAGR: 8.48%.

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 - 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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