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: 2.16%.

Invesco

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

Latest NAV

₹1,191.0623

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	5 / 36	Q1
1W	+0.16%	+23.03%	-22.87	27 / 41	Q3
2W	+0.35%	+40.35%	-40.00	17 / 36	Q2
1M	+0.22%	+40.52%	-40.31	22 / 36	Q3
3M	+0.16%	+41.87%	-41.71	27 / 36	Q3
6M	-18.02%	+43.31%	-61.33	36 / 36	Q4
YTD	-18.22%	+40.80%	-59.03	36 / 36	Q4
1Y	-16.17%	+29.96%	-46.14	36 / 41	Q4
2Y	-3.62%	-4.68%	+1.06	36 / 41	Q4
3Y	+0.13%	+4.58%	-4.45	26 / 31	Q4
4Y	+2.38%	+4.37%	-1.99	16 / 28	Q3
5Y	+2.16%	+5.19%	-3.03	16 / 28	Q3
7Y	+2.75%	+3.07%	-0.32	9 / 28	Q2
10Y	+1.60%	+2.50%	-0.90	9 / 23	Q2
Inception	+1.49%	-16.47%	+17.96	21 / 46	Q2

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	-18.22%	+0.57%	-18.79	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%	+50.17%	-47.94	20 / 33
2021	+2.74%	-10.96%	+13.71	14 / 38
2020	+7.92%	-4.85%	+12.76	6 / 33
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

+2.90%

131 windows

min -16.2% · max 12.1%

76% positive

3-Year rolling

+2.91%

107 windows

min -2.4% · max 9.5%

81% positive

5-Year rolling

+2.77%

83 windows

min -0.8% · max 7.0%

89% positive

7-Year rolling

+2.71%

58 windows

min 0.9% · 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

11.01%

3-year · annualised

Sharpe ratio

-0.52

vs risk-free 6.5%

Sortino ratio

-0.53

Downside-only deviation

Max drawdown

-19.12%

Feb 2026 → May 2026

% positive months

91.7%

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 - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,037.8107	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	₹1,191.0623
2 Jun 2026	₹1,191.3072
1 Jun 2026	₹1,190.6490
29 May 2026	₹1,190.4566
27 May 2026	₹1,189.6108
26 May 2026	₹1,189.3661
25 May 2026	₹1,189.1079
22 May 2026	₹1,187.0594
21 May 2026	₹1,186.4477
20 May 2026	₹1,187.2981

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 - Monthly IDCW (Payout / Reinvestment) is ₹1,191.0623. 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 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 - 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 -16.17% — -46.14 pp behind the Credit Risk Fund category average of 29.96%. The fund ranks #36 of 41 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 0.13% — -4.45 pp behind the Credit Risk Fund category average of 4.58%. The fund ranks #26 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 2.16% — -3.03 pp behind the Credit Risk Fund category average of 5.19%. 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 ₹117,211 today — a multiplier of 1.17×, based on the 10-year CAGR of 1.60%. 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 - Monthly IDCW (Payout / Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹588,670 today. That's an XIRR (money-weighted annualised return) of -0.75%.

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 ₹1,291,228 (multiplier 1.08×). XIRR: 1.45%. 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 5.19%; this fund delivered 2.16%.

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 2.77% (best 7.03%, worst -0.78%). 89% of rolling windows ended positive. The 5-year Sharpe ratio is -0.45 — 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: 2.16%.

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