Should I invest in NIPPON INDIA CREDIT RISK FUND - QUARTERLY IDCW Option?

We don't give personal investment advice. NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - QUARTERLY 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: 3.1%. 5-year CAGR: 2.12%.

Nippon India

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

Latest NAV

₹13.7423

As of

3 Jun 2026

3,236 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	+0.08%	+13.44%	-13.36	5 / 44	Q1
1W	+0.31%	+26.93%	-26.62	15 / 51	Q2
2W	+0.50%	+44.08%	-43.59	17 / 45	Q2
1M	+0.45%	+44.33%	-43.88	14 / 45	Q2
3M	-0.68%	+45.80%	-46.48	39 / 45	Q4
6M	-0.52%	+47.80%	-48.32	34 / 45	Q4
YTD	+0.83%	+45.06%	-44.24	26 / 45	Q3
1Y	-1.30%	+37.65%	-38.95	36 / 50	Q3
2Y	+0.51%	+0.08%	+0.42	36 / 49	Q3
3Y	+0.38%	+4.19%	-3.81	29 / 37	Q4
4Y	+1.12%	+4.28%	-3.16	24 / 33	Q3
5Y	+2.12%	+4.97%	-2.85	19 / 33	Q3
7Y	+0.65%	+3.15%	-2.50	25 / 33	Q4
10Y	+0.26%	+2.93%	-2.67	23 / 26	Q4
Inception	+0.68%	-10.07%	+10.74	38 / 54	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	+0.83%	+1.31%	-0.48	17 / 32
2025	+0.82%	+5.69%	-4.87	27 / 32
2024	+1.12%	+4.08%	-2.96	17 / 32
2023	+1.15%	+1.03%	+0.13	22 / 33
2022	+0.04%	+58.89%	-58.86	34 / 39
2021	+10.27%	-8.73%	+19.00	10 / 44
2020	-5.36%	-3.99%	-1.37	28 / 39
2019	-4.67%	-0.88%	-3.79	29 / 35
2018	-0.49%	+0.62%	-1.11	23 / 34
2017	-0.40%	+1.91%	-2.31	24 / 29
2016	+1.92%	+4.63%	-2.71	18 / 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

+0.67%

152 windows

min -16.6% · max 16.6%

68% positive

3-Year rolling

+0.52%

127 windows

min -6.3% · max 6.7%

72% positive

5-Year rolling

+0.33%

103 windows

min -3.2% · max 4.5%

57% positive

7-Year rolling

-0.08%

79 windows

min -2.0% · max 0.7%

65% 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

3.53%

3-year · annualised

Sharpe ratio

-1.72

vs risk-free 6.5%

Sortino ratio

-2.14

Downside-only deviation

Max drawdown

-3.10%

Jun 2025 → Jun 2025

% positive months

66.7%

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
HDFC Credit Risk Debt Fund - IDCW Option - Direct Plan	HDFC	₹24.1395	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.6214	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.9696	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,310.3743	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.3422	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.2712	3 Jun 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.4973	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2097	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.7423
2 Jun 2026	₹13.7454
1 Jun 2026	₹13.7348
29 May 2026	₹13.7263
27 May 2026	₹13.7108
26 May 2026	₹13.7035
25 May 2026	₹13.6961
22 May 2026	₹13.6745
21 May 2026	₹13.6653
20 May 2026	₹13.6752

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 NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - QUARTERLY IDCW Option is ₹13.7423. 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 - QUARTERLY IDCW Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 - QUARTERLY 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 - QUARTERLY IDCW Option has delivered a absolute return of -1.30% — -38.95 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #36 of 50 in its category — the third (Q3) quartile.

Over the trailing 3-year window, NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - QUARTERLY IDCW Option has delivered a CAGR of 0.38% — -3.81 pp behind the Credit Risk Fund category average of 4.19%. The fund ranks #29 of 37 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - QUARTERLY IDCW Option has delivered a CAGR of 2.12% — -2.85 pp behind the Credit Risk Fund category average of 4.97%. The fund ranks #19 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - QUARTERLY IDCW Option exactly 10 years ago would be worth approximately ₹102,669 today — a multiplier of 1.03×, based on the 10-year CAGR of 0.26%. The category average over the same window would have grown ₹1 lakh to ₹133,503.

A ₹10,000 monthly SIP in NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - QUARTERLY IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹614,051 today. That's an XIRR (money-weighted annualised return) of 0.91%.

A ₹10,000 monthly SIP for 10 years in NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - QUARTERLY IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,255,354 (multiplier 1.05×). XIRR: 0.89%. 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 - QUARTERLY IDCW Option ranks #19 out of 33 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 4.97%; this fund delivered 2.12%.

The worst peak-to-trough decline NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - QUARTERLY IDCW Option has experienced over the last 5-year window is 3.10% — its NAV fell from a high on 09 Jun 2025 to a low on 20 Jun 2025. 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 - QUARTERLY IDCW Option averaged 0.33% (best 4.49%, worst -3.18%). 57% of rolling windows ended positive. The 5-year Sharpe ratio is -0.97 — negative risk-adjusted performance.

In calendar year 2025, NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - QUARTERLY IDCW Option returned 0.82% — lagging the Credit Risk Fund category average of 5.69% by 4.87 pp. It ranked #27 of 32 in its category that year.

NIPPON INDIA CREDIT RISK FUND - DIRECT Plan - QUARTERLY 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 - QUARTERLY 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: 3.1%. 5-year CAGR: 2.12%.

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