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 - Regular 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: 19.1%. 5-year CAGR: 2.11%.

Invesco

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

Latest NAV

₹1,192.5761

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%	+0.02%	-0.04	30 / 31	Q4
1W	-0.06%	-0.02%	-0.04	22 / 31	Q3
2W	+0.01%	-0.04%	+0.05	10 / 31	Q2
1M	-0.76%	+0.26%	-1.02	28 / 31	Q4
3M	-1.49%	+1.00%	-2.49	29 / 31	Q4
6M	-18.16%	+1.38%	-19.53	31 / 31	Q4
YTD	-18.14%	+1.54%	-19.68	31 / 31	Q4
1Y	-16.39%	+3.10%	-19.49	31 / 31	Q4
2Y	-3.94%	+5.13%	-9.07	31 / 31	Q4
3Y	-0.03%	+4.78%	-4.81	28 / 31	Q4
4Y	+2.24%	+4.49%	-2.25	16 / 28	Q3
5Y	+2.11%	+5.32%	-3.21	16 / 28	Q3
7Y	+3.27%	+3.49%	-0.22	9 / 28	Q2
10Y	+1.52%	+2.51%	-0.99	9 / 23	Q2
Inception	+1.48%	+2.75%	-1.26	17 / 31	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	-18.14%	+1.49%	-19.63	30 / 30
2025	+9.24%	+6.54%	+2.70	6 / 30
2024	+7.25%	+3.89%	+3.36	12 / 30
2023	+11.60%	+4.30%	+7.31	3 / 31
2022	+2.23%	+7.38%	-5.15	15 / 28
2021	+2.74%	+5.79%	-3.05	14 / 28
2020	+7.92%	-2.28%	+10.20	6 / 28
2019	-4.52%	-1.86%	-2.66	20 / 28
2018	+0.07%	-0.45%	+0.52	12 / 28
2017	-0.74%	+1.47%	-2.21	21 / 24
2016	+2.32%	+4.33%	-2.01	15 / 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

+2.74%

133 windows

min -16.4% · max 12.3%

74% positive

3-Year rolling

+2.88%

109 windows

min -2.5% · max 9.5%

79% positive

5-Year rolling

+2.82%

84 windows

min -0.8% · max 7.2%

89% positive

7-Year rolling

+2.76%

60 windows

min 1.0% · max 6.2%

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

11.26%

3-year · annualised

Sharpe ratio

-0.51

vs risk-free 6.5%

Sortino ratio

-0.53

Downside-only deviation

Max drawdown

-19.12%

Feb 2026 → May 2026

% positive months

88.9%

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
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.2822	17 Jul 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,071.6654	17 Jul 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.4254	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.1658	17 Jul 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.7779	17 Jul 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1130	17 Jul 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2701	17 Jul 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.4250	17 Jul 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	17 Jul 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,192.5761
16 Jul 2026	₹1,192.7455
15 Jul 2026	₹1,191.5290
14 Jul 2026	₹1,190.7415
13 Jul 2026	₹1,193.0684
10 Jul 2026	₹1,193.2782
9 Jul 2026	₹1,191.8661
8 Jul 2026	₹1,190.9908
7 Jul 2026	₹1,193.5671
6 Jul 2026	₹1,193.7717

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 - Monthly IDCW (Payout / Reinvestment) is ₹1,192.5761. 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 - 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 - Regular 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 - Regular Plan - Monthly IDCW (Payout / Reinvestment) has delivered a absolute return of -16.39% — -19.49 pp behind the Credit Risk Fund category average of 3.10%. The fund ranks #31 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Invesco India Credit Risk Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) has delivered a CAGR of -0.03% — -4.81 pp behind the Credit Risk Fund category average of 4.78%. The fund ranks #28 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Invesco India Credit Risk Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) has delivered a CAGR of 2.11% — -3.21 pp behind the Credit Risk Fund category average of 5.32%. The fund ranks #16 of 28 in its category — the third (Q3) quartile.

₹1 lakh invested in Invesco India Credit Risk Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) exactly 10 years ago would be worth approximately ₹116,249 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 ₹128,078.

A ₹10,000 monthly SIP in Invesco India Credit Risk Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹586,650 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 - Regular Plan - Monthly IDCW (Payout / Reinvestment) = ₹1,200,000 invested. It would currently be worth ₹1,288,136 (multiplier 1.07×). XIRR: 1.40%. 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 - Monthly IDCW (Payout / Reinvestment) ranks #16 out of 28 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 5.32%; this fund delivered 2.11%.

The worst peak-to-trough decline Invesco India Credit Risk Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) has experienced over the last 5-year window is 19.12% — its NAV fell from a high on 26 Feb 2026 to a low on 18 May 2026. 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 - Monthly IDCW (Payout / Reinvestment) averaged 2.82% (best 7.16%, worst -0.81%). 89% of rolling windows ended positive. The 5-year Sharpe ratio is -0.44 — negative risk-adjusted performance.

In calendar year 2025, Invesco India Credit Risk Fund - Regular Plan - Monthly IDCW (Payout / Reinvestment) returned 9.24% — beating the Credit Risk Fund category average of 6.54% by 2.70 pp. It ranked #6 of 30 in its category that year.

Invesco India Credit Risk Fund - Regular 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 - Regular 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: 19.1%. 5-year CAGR: 2.11%.

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