Should I invest in NIPPON INDIA CREDIT RISK FUND?

We don't give personal investment advice. NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - IDCW Option 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 - IDCW Option

Latest NAV

₹22.6840

As of

17 Jul 2026

2,836 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%	+0.03%	+0.01	10 / 37	Q2
1W	+0.03%	-0.01%	+0.04	8 / 37	Q1
2W	+0.01%	+0.00%	+0.00	17 / 37	Q2
1M	+0.73%	+0.19%	+0.53	13 / 37	Q2
3M	+2.16%	+1.16%	+1.00	13 / 37	Q2
6M	+4.45%	+1.67%	+2.79	7 / 37	Q1
YTD	+4.42%	+1.98%	+2.44	7 / 37	Q1
1Y	+7.81%	+3.50%	+4.32	5 / 37	Q1
2Y	+9.26%	+4.71%	+4.54	4 / 37	Q1
3Y	+8.96%	+4.38%	+4.58	5 / 37	Q1
4Y	+8.77%	+4.32%	+4.46	4 / 33	Q1
5Y	+7.96%	+5.01%	+2.95	9 / 33	Q2
7Y	+6.56%	+3.53%	+3.03	8 / 33	Q1
10Y	+6.70%	+2.93%	+3.77	5 / 26	Q1
Inception	+7.22%	+2.99%	+4.23	6 / 37	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	+4.42%	+2.19%	+2.24	6 / 32
2025	+9.74%	+5.69%	+4.05	6 / 32
2024	+9.05%	+4.08%	+4.97	3 / 32
2023	+8.68%	+4.18%	+4.50	4 / 32
2022	+4.53%	+6.69%	-2.16	12 / 32
2021	+14.18%	+7.06%	+7.13	7 / 32
2020	-5.36%	-1.76%	-3.60	27 / 34
2019	+2.57%	-0.88%	+3.45	11 / 35
2018	+6.88%	+0.62%	+6.27	4 / 34
2017	+7.86%	+1.91%	+5.95	3 / 29
2016	+10.95%	+4.63%	+6.32	5 / 28

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

+7.16%

131 windows

min -12.2% · max 16.3%

91% positive

3-Year rolling

+6.47%

107 windows

min 0.4% · max 10.0%

100% positive

5-Year rolling

+5.90%

83 windows

min 4.2% · max 9.7%

100% positive

7-Year rolling

+5.90%

58 windows

min 5.4% · max 6.6%

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

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 - IDCW Option - Direct Plan	HDFC	₹24.5987	17 Jul 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.9714	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.0282	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,352.0932	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.5272	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.5686	17 Jul 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹27.0252	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2112	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹22.6840
16 Jul 2026	₹22.6756
15 Jul 2026	₹22.6619
14 Jul 2026	₹22.6531
13 Jul 2026	₹22.6851
10 Jul 2026	₹22.6768
9 Jul 2026	₹22.6564
8 Jul 2026	₹22.6495
7 Jul 2026	₹22.6870
6 Jul 2026	₹22.6939

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 - IDCW Option is ₹22.6840. It's a Credit Risk Fund from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - IDCW Option has NAV history starting from 22 Oct 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.

NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - IDCW Option 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 - IDCW Option has delivered a absolute return of 7.81% — +4.32 pp ahead of the Credit Risk Fund category average of 3.50%. The fund ranks #5 of 37 in its category — the top (Q1) quartile.

Over the trailing 3-year window, NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - IDCW Option has delivered a CAGR of 8.96% — +4.58 pp ahead of the Credit Risk Fund category average of 4.38%. The fund ranks #5 of 37 in its category — the top (Q1) quartile.

Over the trailing 5-year window, NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - IDCW Option has delivered a CAGR of 7.96% — +2.95 pp ahead of the Credit Risk Fund category average of 5.01%. The fund ranks #9 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - IDCW Option exactly 10 years ago would be worth approximately ₹191,294 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 ₹133,464.

A ₹10,000 monthly SIP in NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹746,512 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 - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,746,361 (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 - IDCW Option ranks #9 out of 33 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 5.01%; this fund delivered 7.96%.

The worst peak-to-trough decline NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - IDCW Option 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 - IDCW Option averaged 5.90% (best 9.72%, 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 - IDCW Option returned 9.74% — beating the Credit Risk Fund category average of 5.69% by 4.05 pp. It ranked #6 of 32 in its category that year.

NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - IDCW Option 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 - IDCW Option 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 - IDCW Option

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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