Should I invest in Nippon India Credit Risk Fund?

We don't give personal investment advice. Nippon India Credit Risk Fund - Direct Plan - Growth Plan 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: 1.2%. 5-year CAGR: 7.96%.

Nippon India

Nippon India Credit Risk Fund - Direct Plan - Growth Plan

Latest NAV

₹41.8973

As of

17 Jul 2026

3,267 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	+0.04%	+0.04%	-0.01	6 / 14	Q2
1W	+0.03%	+0.04%	0.00	5 / 14	Q2
2W	+0.01%	+0.05%	-0.04	7 / 14	Q2
1M	+0.73%	+0.92%	-0.19	11 / 14	Q4
3M	+2.16%	+2.19%	-0.03	8 / 14	Q3
6M	+4.46%	+4.55%	-0.10	7 / 14	Q2
YTD	+4.42%	+4.79%	-0.37	7 / 14	Q2
1Y	+7.82%	+8.02%	-0.20	7 / 14	Q2
2Y	+9.26%	+9.96%	-0.71	6 / 14	Q2
3Y	+8.96%	+9.73%	-0.77	7 / 14	Q2
4Y	+8.77%	+8.90%	-0.12	4 / 13	Q2
5Y	+7.96%	+8.48%	-0.52	7 / 13	Q3
7Y	+6.56%	+7.66%	-1.10	12 / 13	Q4
10Y	+6.70%	+7.63%	-0.93	11 / 12	Q4
Inception	+7.61%	+8.36%	-0.74	11 / 14	Q4

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	+4.42%	+4.78%	-0.35	6 / 13
2025	+9.74%	+11.47%	-1.73	7 / 13
2024	+9.05%	+8.95%	+0.10	3 / 13
2023	+8.68%	+8.59%	+0.09	4 / 14
2022	+4.53%	+4.85%	-0.32	8 / 13
2021	+14.18%	+9.50%	+4.68	3 / 13
2020	-5.36%	+4.10%	-9.46	12 / 13
2019	+2.56%	+4.87%	-2.30	11 / 13
2018	+6.88%	+6.20%	+0.68	7 / 13
2017	+7.86%	+8.01%	-0.15	5 / 12
2016	+10.95%	+11.27%	-0.33	10 / 12

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

+7.68%

153 windows

min -12.2% · max 16.3%

92% positive

3-Year rolling

+7.16%

129 windows

min 0.4% · max 11.2%

100% positive

5-Year rolling

+6.62%

105 windows

min 4.2% · max 10.0%

100% positive

7-Year rolling

+6.06%

80 windows

min 5.4% · max 8.3%

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

1.02%

3-year · annualised

Sharpe ratio

2.09

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.37%

May 2026 → May 2026

% positive months

97.2%

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 - Growth Option - Direct Plan	HDFC	₹28.0614	17 Jul 2026
Nippon India Credit Risk Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan	Nippon India	₹0.0000	17 Jul 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹53.4845	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹38.3011	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,334.6655	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.9380	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.8505	17 Jul 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.9811	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹60.3545	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹41.8973
16 Jul 2026	₹41.8816
15 Jul 2026	₹41.8564
14 Jul 2026	₹41.8402
13 Jul 2026	₹41.8992
10 Jul 2026	₹41.8839
9 Jul 2026	₹41.8463
8 Jul 2026	₹41.8335
7 Jul 2026	₹41.9027
6 Jul 2026	₹41.9154

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 Nippon India Credit Risk Fund - Direct Plan - Growth Plan is ₹41.8973. It's a Credit Risk Fund from Nippon India, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Nippon India Credit Risk Fund - Direct Plan - Growth Plan has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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.

Nippon India Credit Risk Fund - Direct Plan - Growth Plan is managed by Nippon India. 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, Nippon India Credit Risk Fund - Direct Plan - Growth Plan has delivered a absolute return of 7.82% — -0.2 pp behind the Credit Risk Fund category average of 8.02%. The fund ranks #7 of 14 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Nippon India Credit Risk Fund - Direct Plan - Growth Plan has delivered a CAGR of 8.96% — -0.77 pp behind the Credit Risk Fund category average of 9.73%. The fund ranks #7 of 14 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Nippon India Credit Risk Fund - Direct Plan - Growth Plan has delivered a CAGR of 7.96% — -0.52 pp behind the Credit Risk Fund category average of 8.48%. The fund ranks #7 of 13 in its category — the third (Q3) quartile.

₹1 lakh invested in Nippon India Credit Risk Fund - Direct Plan - Growth Plan exactly 10 years ago would be worth approximately ₹191,283 today — a multiplier of 1.91×, based on the 10-year CAGR of 6.70%. The category average over the same window would have grown ₹1 lakh to ₹208,632.

A ₹10,000 monthly SIP in Nippon India Credit Risk Fund - Direct Plan - Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹746,520 today. That's an XIRR (money-weighted annualised return) of 8.67%.

A ₹10,000 monthly SIP for 10 years in Nippon India Credit Risk Fund - Direct Plan - Growth Plan = ₹1,200,000 invested. It would currently be worth ₹1,746,357 (multiplier 1.46×). XIRR: 7.29%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Nippon India Credit Risk Fund - Direct Plan - Growth Plan ranks #7 out of 13 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 8.48%; this fund delivered 7.96%.

The worst peak-to-trough decline Nippon India Credit Risk Fund - Direct Plan - Growth Plan has experienced over the last 5-year window is 1.16% — its NAV fell from a high on 07 Apr 2022 to a low on 06 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, Nippon India Credit Risk Fund - Direct Plan - Growth Plan averaged 6.62% (best 10.01%, worst 4.16%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.00 — strong risk-adjusted performance.

In calendar year 2025, Nippon India Credit Risk Fund - Direct Plan - Growth Plan returned 9.74% — lagging the Credit Risk Fund category average of 11.47% by 1.73 pp. It ranked #7 of 13 in its category that year.

Nippon India Credit Risk Fund - Direct Plan - Growth Plan 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. Nippon India Credit Risk Fund - Direct Plan - Growth Plan 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: 1.2%. 5-year CAGR: 7.96%.

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

Nippon India Credit Risk Fund - Direct Plan - Growth Plan

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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