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: 1.96%.

Invesco

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

Latest NAV

₹1,180.0078

As of

3 Jun 2026

2,832 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	8 / 44	Q1
1W	+0.10%	+26.93%	-26.83	37 / 51	Q3
2W	+0.31%	+44.08%	-43.78	31 / 45	Q3
1M	+0.22%	+44.33%	-44.11	32 / 45	Q3
3M	+0.16%	+45.80%	-45.63	32 / 45	Q3
6M	+0.14%	+47.80%	-47.66	27 / 45	Q3
YTD	+0.16%	+45.06%	-44.90	33 / 45	Q3
1Y	+0.05%	+37.65%	-37.60	28 / 50	Q3
2Y	+0.03%	+0.08%	-0.05	39 / 49	Q4
3Y	-1.00%	+4.19%	-5.19	36 / 37	Q4
4Y	+1.82%	+4.28%	-2.46	20 / 33	Q3
5Y	+1.96%	+4.97%	-3.01	20 / 33	Q3
7Y	+2.54%	+3.15%	-0.61	12 / 33	Q2
10Y	+1.52%	+2.93%	-1.41	15 / 26	Q3
Inception	+1.41%	-10.07%	+11.48	29 / 54	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	+0.16%	+1.31%	-1.15	22 / 32
2025	-0.03%	+5.69%	-5.72	30 / 32
2024	-0.03%	+4.08%	-4.11	29 / 32
2023	+3.76%	+1.03%	+2.73	16 / 33
2022	+3.48%	+58.89%	-55.41	21 / 39
2021	+1.21%	-8.73%	+9.94	19 / 44
2020	+9.19%	-3.99%	+13.18	6 / 39
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

+1.53%

131 windows

min -7.1% · max 10.9%

66% positive

3-Year rolling

+1.73%

107 windows

min -2.1% · max 5.9%

79% positive

5-Year rolling

+1.94%

83 windows

min -0.6% · max 4.5%

90% positive

7-Year rolling

+1.88%

58 windows

min 1.0% · max 2.9%

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

2.74%

3-year · annualised

Sharpe ratio

-2.72

vs risk-free 6.5%

Sortino ratio

-2.80

Downside-only deviation

Max drawdown

-5.22%

Sep 2023 → Aug 2025

% positive months

55.6%

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 - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,310.3743	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	₹1,180.0078
2 Jun 2026	₹1,180.2124
1 Jun 2026	₹1,179.5222
29 May 2026	₹1,179.2175
27 May 2026	₹1,179.3683
26 May 2026	₹1,179.0877
25 May 2026	₹1,178.7938
22 May 2026	₹1,176.6491
21 May 2026	₹1,176.0048
20 May 2026	₹1,176.8098

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 - Monthly IDCW (Payout / Reinvestment) is ₹1,180.0078. 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 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 - 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 0.05% — -37.6 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #28 of 50 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Invesco India Credit Risk Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment) has delivered a CAGR of -1.00% — -5.19 pp behind the Credit Risk Fund category average of 4.19%. The fund ranks #36 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 1.96% — -3.01 pp behind the Credit Risk Fund category average of 4.97%. The fund ranks #20 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 ₹116,312 today — a multiplier of 1.16×, based on the 10-year CAGR of 1.52%. The category average over the same window would have grown ₹1 lakh to ₹133,503.

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 ₹613,613 today. That's an XIRR (money-weighted annualised return) of 0.88%.

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 ₹1,306,429 (multiplier 1.09×). XIRR: 1.68%. 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 #20 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 4.97%; this fund delivered 1.96%.

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 1.94% (best 4.46%, worst -0.64%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is -1.46 — 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: 1.96%.

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