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 - Regular 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: 1.1%. 5-year CAGR: 6.94%.

Invesco

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

Latest NAV

₹2,037.8107

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%	+0.04%	+0.02	4 / 36	Q1
1W	+0.24%	+23.03%	-22.79	17 / 41	Q2
2W	+0.43%	+40.35%	-39.92	16 / 36	Q2
1M	+0.29%	+40.52%	-40.23	17 / 36	Q2
3M	+2.04%	+41.87%	-39.83	11 / 36	Q2
6M	+3.04%	+43.31%	-40.27	10 / 36	Q2
YTD	+2.79%	+40.80%	-38.02	10 / 36	Q2
1Y	+5.36%	+29.96%	-24.60	13 / 41	Q2
2Y	+8.05%	-4.68%	+12.73	9 / 41	Q1
3Y	+8.06%	+4.58%	+3.48	5 / 31	Q1
4Y	+8.40%	+4.37%	+4.03	3 / 28	Q1
5Y	+6.94%	+5.19%	+1.75	8 / 28	Q2
7Y	+6.16%	+3.07%	+3.09	7 / 28	Q1
10Y	+5.63%	+2.50%	+3.12	4 / 23	Q1
Inception	+6.24%	-16.47%	+22.71	11 / 46	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	+2.79%	+0.57%	+2.22	4 / 30
2025	+9.24%	+6.54%	+2.70	5 / 30
2024	+7.25%	+3.89%	+3.36	13 / 30
2023	+11.60%	+4.30%	+7.31	2 / 31
2022	+2.23%	+50.17%	-47.94	19 / 33
2021	+2.74%	-10.96%	+13.71	15 / 38
2020	+7.92%	-4.85%	+12.76	5 / 33
2019	-4.54%	-1.86%	-2.69	21 / 28
2018	+3.97%	-0.45%	+4.43	4 / 28
2017	+6.95%	+1.47%	+5.48	3 / 24
2016	+10.85%	+4.33%	+6.53	2 / 24

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

+6.11%

131 windows

min -6.5% · max 12.1%

91% positive

3-Year rolling

+5.35%

107 windows

min 1.8% · max 9.9%

100% positive

5-Year rolling

+4.78%

83 windows

min 2.2% · max 7.0%

100% positive

7-Year rolling

+4.74%

58 windows

min 4.1% · max 6.2%

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

0.65

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.42%

Mar 2026 → Apr 2026

% positive months

94.4%

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
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.9589	3 Jun 2026
Invesco India Credit Risk Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,191.0623	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.2544	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹12.9096	3 Jun 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.5239	3 Jun 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1227	3 Jun 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2656	3 Jun 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.2488	3 Jun 2026
Baroda BNP Paribas Credit Risk fund - Regular-Quarterly- IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular-Quarterly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹2,037.8107
2 Jun 2026	₹2,038.2296
1 Jun 2026	₹2,037.1034
29 May 2026	₹2,036.7741
27 May 2026	₹2,033.7576
26 May 2026	₹2,033.3393
25 May 2026	₹2,032.8979
22 May 2026	₹2,029.3958
21 May 2026	₹2,028.3500
20 May 2026	₹2,029.8038

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 - Regular Plan - Discretionary IDCW (Payout / Reinvestment) is ₹2,037.8107. It's a Credit Risk Fund from Invesco, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Invesco India Credit Risk Fund - Regular Plan - Discretionary 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 - Regular 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 - Regular Plan - Discretionary IDCW (Payout / Reinvestment) has delivered a absolute return of 5.36% — -24.6 pp behind the Credit Risk Fund category average of 29.96%. The fund ranks #13 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment) has delivered a CAGR of 8.06% — +3.48 pp ahead of the Credit Risk Fund category average of 4.58%. The fund ranks #5 of 31 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment) has delivered a CAGR of 6.94% — +1.75 pp ahead of the Credit Risk Fund category average of 5.19%. The fund ranks #8 of 28 in its category — the second (Q2) quartile.

₹1 lakh invested in Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment) exactly 10 years ago would be worth approximately ₹172,902 today — a multiplier of 1.73×, based on the 10-year CAGR of 5.63%. The category average over the same window would have grown ₹1 lakh to ₹128,048.

A ₹10,000 monthly SIP in Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹732,571 today. That's an XIRR (money-weighted annualised return) of 7.91%.

A ₹10,000 monthly SIP for 10 years in Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment) = ₹1,200,000 invested. It would currently be worth ₹1,647,731 (multiplier 1.37×). XIRR: 6.17%. 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 - Regular Plan - Discretionary IDCW (Payout / Reinvestment) ranks #8 out of 28 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 5.19%; this fund delivered 6.94%.

The worst peak-to-trough decline Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment) has experienced over the last 5-year window is 1.15% — its NAV fell from a high on 04 Apr 2022 to a low on 09 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 - Regular Plan - Discretionary IDCW (Payout / Reinvestment) averaged 4.78% (best 7.03%, worst 2.24%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.11 — weak risk-adjusted performance.

In calendar year 2025, Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment) returned 9.24% — beating the Credit Risk Fund category average of 6.54% by 2.70 pp. It ranked #5 of 30 in its category that year.

Invesco India Credit Risk Fund - Regular 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 - Regular 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: 1.1%. 5-year CAGR: 6.94%.

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

Invesco India Credit Risk Fund - Regular 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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