Should I invest in Nippon India Credit Risk Fund?

We don't give personal investment advice. Nippon India Credit Risk Fund - 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: 8.30%.

Nippon India

Nippon India Credit Risk Fund - Growth Plan

Latest NAV

₹37.1779

As of

3 Jun 2026

3,870 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%	+49.22%	-49.14	3 / 6	Q2
1W	+0.29%	+12.13%	-11.84	3 / 8	Q2
2W	+0.46%	+28.34%	-27.87	3 / 7	Q2
1M	+0.39%	+28.59%	-28.20	3 / 7	Q2
3M	+0.97%	+30.18%	-29.20	4 / 7	Q3
6M	+2.71%	+32.90%	-30.19	3 / 7	Q2
YTD	+2.38%	+30.11%	-27.73	3 / 7	Q2
1Y	+6.62%	+38.87%	-32.25	4 / 7	Q3
2Y	+8.09%	+20.86%	-12.77	4 / 6	Q3
3Y	+7.92%	+8.27%	-0.35	3 / 5	Q3
4Y	+7.79%	+7.20%	+0.59	2 / 5	Q2
5Y	+8.30%	+6.88%	+1.42	1 / 5	Q1
7Y	+5.61%	+6.81%	-1.20	5 / 5	Q4
10Y	+5.90%	+7.08%	-1.19	5 / 5	Q4
Inception	+6.89%	+21.29%	-14.40	6 / 6	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	+2.38%	+2.01%	+0.37	1 / 4
2025	+8.92%	+8.83%	+0.09	3 / 4
2024	+8.22%	+7.92%	+0.30	2 / 4
2023	+7.89%	-11.13%	+19.02	1 / 6
2022	+3.87%	+52.98%	-49.11	4 / 6
2021	+13.48%	+4.91%	+8.57	2 / 6
2020	-5.95%	+4.18%	-10.13	5 / 5
2019	+1.91%	+6.59%	-4.68	5 / 5
2018	+5.97%	+6.45%	-0.48	4 / 5
2017	+6.89%	+6.89%	0.00	2 / 5
2016	+9.96%	+9.88%	+0.08	3 / 5

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

+7.09%

184 windows

min -11.2% · max 15.9%

93% positive

3-Year rolling

+6.84%

159 windows

min -0.4% · max 10.3%

96% positive

5-Year rolling

+6.59%

135 windows

min 3.4% · max 9.7%

100% positive

7-Year rolling

+6.21%

111 windows

min 4.7% · max 9.0%

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

0.92%

3-year · annualised

Sharpe ratio

1.25

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.40%

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	HDFC	₹25.3547	3 Jun 2026
Nippon India Credit Risk Fund - Segregated Portfolio 2 - Growth Plan	Nippon India	₹0.0000	3 Jun 2026
ICICI Prudential Credit Risk Fund - Growth	ICICI Prudential	₹33.8855	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Growth	Kotak	₹31.0974	3 Jun 2026
Baroda BNP Paribas Credit risk fund -Defunct -Growth option -Seg-Portfolio 2 (erstwhile BBNPP Medium Duration Fund-Defunct Growth Option Seg.Portfolio1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹37.1779
2 Jun 2026	₹37.1870
1 Jun 2026	₹37.1591
29 May 2026	₹37.1385
27 May 2026	₹37.0981
26 May 2026	₹37.0791
25 May 2026	₹37.0600
22 May 2026	₹37.0040
21 May 2026	₹36.9796
20 May 2026	₹37.0072

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 - Growth Plan is ₹37.1779. It's a Credit Risk Fund from Nippon India, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Nippon India Credit Risk Fund - Growth Plan has NAV history starting from 21 May 2010, a track record of about 16 years. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Nippon India Credit Risk Fund - 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 - Growth Plan has delivered a absolute return of 6.62% — -32.25 pp behind the Credit Risk Fund category average of 38.87%. The fund ranks #4 of 7 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Nippon India Credit Risk Fund - Growth Plan has delivered a CAGR of 7.92% — -0.35 pp behind the Credit Risk Fund category average of 8.27%. The fund ranks #3 of 5 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Nippon India Credit Risk Fund - Growth Plan has delivered a CAGR of 8.30% — +1.42 pp ahead of the Credit Risk Fund category average of 6.88%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

₹1 lakh invested in Nippon India Credit Risk Fund - Growth Plan exactly 10 years ago would be worth approximately ₹177,387 today — a multiplier of 1.77×, based on the 10-year CAGR of 5.90%. The category average over the same window would have grown ₹1 lakh to ₹198,270.

A ₹10,000 monthly SIP in Nippon India Credit Risk Fund - Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹728,042 today. That's an XIRR (money-weighted annualised return) of 7.66%.

A ₹10,000 monthly SIP for 10 years in Nippon India Credit Risk Fund - Growth Plan = ₹1,200,000 invested. It would currently be worth ₹1,664,042 (multiplier 1.39×). XIRR: 6.36%. 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 - Growth Plan ranks #1 out of 5 funds in the Credit Risk Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.88%; this fund delivered 8.30%.

The worst peak-to-trough decline Nippon India Credit Risk Fund - Growth Plan has experienced over the last 5-year window is 1.21% — 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 - Growth Plan averaged 6.59% (best 9.72%, worst 3.35%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.52 — reasonable risk-adjusted performance.

In calendar year 2025, Nippon India Credit Risk Fund - Growth Plan returned 8.92% — beating the Credit Risk Fund category average of 8.83% by 0.09 pp. It ranked #3 of 4 in its category that year.

Nippon India Credit Risk Fund - 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 - 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: 8.30%.

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