Should I invest in Invesco India Credit Risk Fund?

We don't give personal investment advice. Invesco India Credit Risk Fund - Regular 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: 1.1%. 5-year CAGR: 7.22%.

Invesco

Invesco India Credit Risk Fund - Regular Plan - Growth

Latest NAV

₹2,072.3105

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%	+0.03%	-0.04	7 / 7	Q4
1W	-0.06%	-0.03%	-0.03	5 / 7	Q3
2W	+0.01%	-0.04%	+0.06	2 / 7	Q2
1M	+0.76%	+0.74%	+0.02	3 / 7	Q2
3M	+1.90%	+1.86%	+0.04	3 / 7	Q2
6M	+4.45%	+3.71%	+0.74	2 / 7	Q2
YTD	+4.47%	+4.11%	+0.36	2 / 7	Q2
1Y	+6.70%	+6.89%	-0.19	3 / 7	Q2
2Y	+8.52%	+9.37%	-0.84	3 / 7	Q2
3Y	+8.43%	+8.62%	-0.19	3 / 7	Q2
4Y	+8.67%	+7.97%	+0.70	2 / 6	Q2
5Y	+7.22%	+7.89%	-0.67	4 / 6	Q3
7Y	+6.93%	+6.28%	+0.65	4 / 6	Q3
10Y	+5.63%	+6.18%	-0.55	4 / 5	Q4
Inception	+6.32%	+7.21%	-0.89	5 / 7	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	+4.47%	+4.11%	+0.36	2 / 7
2025	+9.24%	+10.49%	-1.26	3 / 7
2024	+7.25%	+8.22%	-0.97	6 / 7
2023	+11.60%	+7.37%	+4.24	1 / 7
2022	+2.23%	+4.14%	-1.91	6 / 6
2021	+2.74%	+9.92%	-7.18	6 / 6
2020	+7.92%	+1.21%	+6.71	3 / 6
2019	-4.52%	+1.40%	-5.92	5 / 6
2018	+3.98%	+5.40%	-1.42	6 / 6
2017	+6.95%	+7.19%	-0.24	3 / 5
2016	+10.86%	+10.47%	+0.39	2 / 5

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

+6.14%

133 windows

min -6.6% · max 12.3%

91% positive

3-Year rolling

+5.42%

109 windows

min 1.6% · max 9.9%

100% positive

5-Year rolling

+4.83%

84 windows

min 2.3% · max 7.2%

100% positive

7-Year rolling

+4.81%

60 windows

min 4.2% · max 6.9%

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

0.86

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
BANDHAN Credit Risk Fund - Regular Plan Growth	Bandhan	₹17.2650	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹25.1910	17 Jul 2026
HSBC Credit Risk Fund - Regular Growth	HSBC	₹34.2631	17 Jul 2026
Baroda BNP Paribas Credit Risk fund -Regular-Growth -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular Growth Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	17 Jul 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Growth Option	UTI	₹0.0000	17 Jul 2026
Axis Credit Risk Fund - Regular Plan - Growth	Axis	₹23.1888	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹2,072.3105
16 Jul 2026	₹2,072.6050
15 Jul 2026	₹2,070.4911
14 Jul 2026	₹2,069.1226
13 Jul 2026	₹2,073.1660
10 Jul 2026	₹2,073.5306
9 Jul 2026	₹2,071.0767
8 Jul 2026	₹2,069.5558
7 Jul 2026	₹2,074.0325
6 Jul 2026	₹2,074.3881

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 - Regular Plan - Growth is ₹2,072.3105. It's a Credit Risk Fund from Invesco, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Invesco India Credit Risk Fund - Regular 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 - Regular 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 - Regular Plan - Growth has delivered a absolute return of 6.70% — -0.19 pp behind the Credit Risk Fund category average of 6.89%. The fund ranks #3 of 7 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Invesco India Credit Risk Fund - Regular Plan - Growth has delivered a CAGR of 8.43% — -0.19 pp behind the Credit Risk Fund category average of 8.62%. The fund ranks #3 of 7 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Invesco India Credit Risk Fund - Regular Plan - Growth has delivered a CAGR of 7.22% — -0.67 pp behind the Credit Risk Fund category average of 7.89%. The fund ranks #4 of 6 in its category — the third (Q3) quartile.

₹1 lakh invested in Invesco India Credit Risk Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹172,983 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 ₹182,183.

A ₹10,000 monthly SIP in Invesco India Credit Risk Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹738,669 today. That's an XIRR (money-weighted annualised return) of 8.25%.

A ₹10,000 monthly SIP for 10 years in Invesco India Credit Risk Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,663,970 (multiplier 1.39×). XIRR: 6.36%. 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 - Growth ranks #4 out of 6 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 7.89%; this fund delivered 7.22%.

The worst peak-to-trough decline Invesco India Credit Risk Fund - Regular Plan - Growth 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 - Growth averaged 4.83% (best 7.22%, worst 2.25%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.21 — weak risk-adjusted performance.

In calendar year 2025, Invesco India Credit Risk Fund - Regular Plan - Growth returned 9.24% — lagging the Credit Risk Fund category average of 10.49% by 1.26 pp. It ranked #3 of 7 in its category that year.

Invesco India Credit Risk Fund - Regular 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 - Regular 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: 1.1%. 5-year CAGR: 7.22%.

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 - 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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