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

We don't give personal investment advice. Invesco India Credit Risk Fund - Direct Plan - Monthly 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: 5.2%. 5-year CAGR: 1.86%.

Invesco

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

Latest NAV

₹1,180.4887

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.

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	-0.01%	+0.03%	-0.04	35 / 37	Q4
1W	-0.04%	-0.01%	-0.03	24 / 37	Q3
2W	+0.06%	+0.00%	+0.05	11 / 37	Q2
1M	-0.89%	+0.19%	-1.08	32 / 37	Q4
3M	-1.64%	+1.16%	-2.80	35 / 37	Q4
6M	+0.11%	+1.67%	-1.55	26 / 37	Q3
YTD	+0.19%	+1.98%	-1.80	28 / 37	Q4
1Y	-0.26%	+3.50%	-3.76	29 / 37	Q4
2Y	-0.11%	+4.71%	-4.83	35 / 37	Q4
3Y	-1.24%	+4.38%	-5.62	37 / 37	Q4
4Y	+1.62%	+4.32%	-2.69	20 / 33	Q3
5Y	+1.86%	+5.01%	-3.15	18 / 33	Q3
7Y	+3.03%	+3.53%	-0.49	11 / 33	Q2
10Y	+1.43%	+2.93%	-1.50	15 / 26	Q3
Inception	+1.40%	+2.99%	-1.60	21 / 37	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
2026 YTD	+0.19%	+2.19%	-2.00	24 / 32
2025	-0.03%	+5.69%	-5.72	30 / 32
2024	-0.03%	+4.08%	-4.11	29 / 32
2023	+3.76%	+4.18%	-0.43	16 / 32
2022	+3.48%	+6.69%	-3.21	14 / 32
2021	+1.21%	+7.06%	-5.84	19 / 32
2020	+9.19%	-1.76%	+10.95	6 / 34
2019	-3.59%	-0.88%	-2.71	27 / 35
2018	+0.31%	+0.62%	-0.30	17 / 34
2017	-0.75%	+1.91%	-2.66	26 / 29
2016	+2.15%	+4.63%	-2.48	16 / 28

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

+1.49%

133 windows

min -7.6% · max 11.1%

62% positive

3-Year rolling

+1.70%

109 windows

min -2.3% · max 6.0%

79% positive

5-Year rolling

+1.99%

84 windows

min -0.7% · max 4.5%

90% positive

7-Year rolling

+1.95%

60 windows

min 1.1% · max 3.3%

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

3.52%

3-year · annualised

Sharpe ratio

-2.18

vs risk-free 6.5%

Sortino ratio

-2.47

Downside-only deviation

Max drawdown

-5.22%

Sep 2023 → Aug 2025

% positive months

38.9%

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 - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,352.0932	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	₹1,180.4887
16 Jul 2026	₹1,180.6184
15 Jul 2026	₹1,179.3762
14 Jul 2026	₹1,178.5586
13 Jul 2026	₹1,180.8236
10 Jul 2026	₹1,180.9170
9 Jul 2026	₹1,179.4814
8 Jul 2026	₹1,178.5772
7 Jul 2026	₹1,181.0885
6 Jul 2026	₹1,181.2529

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 - Monthly IDCW (Payout / Reinvestment) is ₹1,180.4887. 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 - Monthly IDCW (Payout / Reinvestment) 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 - Monthly 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 - Monthly IDCW (Payout / Reinvestment) has delivered a absolute return of -0.26% — -3.76 pp behind the Credit Risk Fund category average of 3.50%. The fund ranks #29 of 37 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Invesco India Credit Risk Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) has delivered a CAGR of -1.24% — -5.62 pp behind the Credit Risk Fund category average of 4.38%. The fund ranks #37 of 37 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Invesco India Credit Risk Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) has delivered a CAGR of 1.86% — -3.15 pp behind the Credit Risk Fund category average of 5.01%. The fund ranks #18 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in Invesco India Credit Risk Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) exactly 10 years ago would be worth approximately ₹115,222 today — a multiplier of 1.15×, based on the 10-year CAGR of 1.43%. The category average over the same window would have grown ₹1 lakh to ₹133,464.

A ₹10,000 monthly SIP in Invesco India Credit Risk Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹610,839 today. That's an XIRR (money-weighted annualised return) of 0.70%.

A ₹10,000 monthly SIP for 10 years in Invesco India Credit Risk Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) = ₹1,200,000 invested. It would currently be worth ₹1,301,732 (multiplier 1.08×). XIRR: 1.61%. 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 - Monthly IDCW (Payout / Reinvestment) ranks #18 out of 33 funds in the Credit Risk Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 5.01%; this fund delivered 1.86%.

The worst peak-to-trough decline Invesco India Credit Risk Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) has experienced over the last 5-year window is 5.22% — its NAV fell from a high on 27 Sep 2023 to a low on 12 Aug 2025. 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 - Monthly IDCW (Payout / Reinvestment) averaged 1.99% (best 4.49%, worst -0.66%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is -1.31 — negative risk-adjusted performance.

In calendar year 2025, Invesco India Credit Risk Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) returned -0.03% — lagging the Credit Risk Fund category average of 5.69% by 5.72 pp. It ranked #30 of 32 in its category that year.

Invesco India Credit Risk Fund - Direct Plan - Monthly 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 - Monthly 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: 5.2%. 5-year CAGR: 1.86%.

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