Should I invest in NIPPON INDIA CREDIT RISK FUND?

We don't give personal investment advice. NIPPON INDIA CREDIT RISK FUND - 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: 8.30%.

Nippon India

NIPPON INDIA CREDIT RISK FUND - IDCW Option

Latest NAV

₹20.3932

As of

3 Jun 2026

2,803 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%	+53.59%	-53.51	4 / 11	Q2
1W	+0.29%	+30.19%	-29.90	4 / 13	Q2
2W	+0.46%	+41.30%	-40.84	5 / 12	Q2
1M	+0.39%	+41.75%	-41.36	6 / 12	Q2
3M	+0.97%	+43.25%	-42.27	7 / 12	Q3
6M	+2.71%	+45.00%	-42.29	5 / 12	Q2
YTD	+2.38%	+42.20%	-39.82	4 / 12	Q2
1Y	+6.62%	+50.25%	-43.63	5 / 12	Q2
2Y	+8.09%	+18.45%	-10.36	5 / 11	Q2
3Y	+7.91%	+3.72%	+4.19	2 / 9	Q1
4Y	+7.78%	+3.39%	+4.39	2 / 9	Q1
5Y	+8.30%	+3.15%	+5.15	1 / 9	Q1
7Y	+5.61%	+2.11%	+3.50	2 / 8	Q1
10Y	+5.90%	+2.30%	+3.60	2 / 7	Q2
Inception	+6.33%	+18.69%	-12.36	5 / 11	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	+2.38%	+1.30%	+1.08	1 / 5
2025	+8.91%	+4.18%	+4.73	1 / 5
2024	+8.22%	+3.64%	+4.58	1 / 5
2023	+7.89%	-11.24%	+19.13	1 / 7
2022	+3.87%	+60.56%	-56.69	4 / 10
2021	+13.48%	+0.71%	+12.77	2 / 10
2020	-5.95%	+0.51%	-6.46	8 / 9
2019	+1.91%	+1.65%	+0.26	4 / 9
2018	+5.97%	+1.81%	+4.16	2 / 9
2017	+6.89%	+1.49%	+5.41	1 / 9
2016	+9.96%	+4.19%	+5.77	2 / 9

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

+6.28%

130 windows

min -11.2% · max 15.9%

90% positive

3-Year rolling

+5.59%

105 windows

min -0.4% · max 9.3%

94% positive

5-Year rolling

+5.07%

81 windows

min 3.4% · max 9.0%

100% positive

7-Year rolling

+5.14%

57 windows

min 4.7% · max 5.9%

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

0.91%

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 - IDCW Option	HDFC	₹23.3474	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
ICICI Prudential Credit Risk Fund - Quarterly IDCW	ICICI Prudential	₹11.2642	3 Jun 2026
Franklin India Credit Risk Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	3 Jun 2026
Baroda BNP Paribas Credit Risk fund -Defunct -Monthly IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Defunct-Monthly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹20.3932
2 Jun 2026	₹20.3981
1 Jun 2026	₹20.3828
29 May 2026	₹20.3716
27 May 2026	₹20.3494
26 May 2026	₹20.3390
25 May 2026	₹20.3285
22 May 2026	₹20.2977
21 May 2026	₹20.2844
20 May 2026	₹20.2995

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 - IDCW Option is ₹20.3932. It's a Credit Risk Fund from Nippon India, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NIPPON INDIA CREDIT RISK FUND - IDCW Option has NAV history starting from 28 Oct 2014, a track record of about 11 years 7 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 - 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 - IDCW Option has delivered a absolute return of 6.62% — -43.63 pp behind the Credit Risk Fund category average of 50.25%. The fund ranks #5 of 12 in its category — the second (Q2) quartile.

Over the trailing 3-year window, NIPPON INDIA CREDIT RISK FUND - IDCW Option has delivered a CAGR of 7.91% — +4.19 pp ahead of the Credit Risk Fund category average of 3.72%. The fund ranks #2 of 9 in its category — the top (Q1) quartile.

Over the trailing 5-year window, NIPPON INDIA CREDIT RISK FUND - IDCW Option has delivered a CAGR of 8.30% — +5.15 pp ahead of the Credit Risk Fund category average of 3.15%. The fund ranks #1 of 9 in its category — the top (Q1) quartile.

₹1 lakh invested in NIPPON INDIA CREDIT RISK FUND - IDCW Option exactly 10 years ago would be worth approximately ₹177,372 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 ₹125,517.

A ₹10,000 monthly SIP in NIPPON INDIA CREDIT RISK FUND - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹727,990 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 - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,663,911 (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 - IDCW Option ranks #1 out of 9 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 3.15%; this fund delivered 8.30%.

The worst peak-to-trough decline NIPPON INDIA CREDIT RISK FUND - IDCW Option 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 - IDCW Option averaged 5.07% (best 8.98%, 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 - IDCW Option returned 8.91% — beating the Credit Risk Fund category average of 4.18% by 4.73 pp. It ranked #1 of 5 in its category that year.

NIPPON INDIA CREDIT RISK FUND - 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 - 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: 8.30%.

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