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: 7.19%.

Nippon India

NIPPON INDIA CREDIT RISK FUND - IDCW Option

Latest NAV

₹20.7179

As of

17 Jul 2026

2,834 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	+0.04%	-0.02%	+0.06	5 / 9	Q3
1W	+0.02%	+0.04%	-0.02	5 / 9	Q3
2W	-0.02%	+0.10%	-0.13	7 / 9	Q4
1M	+0.66%	+0.40%	+0.26	5 / 9	Q3
3M	+1.96%	+1.51%	+0.45	5 / 9	Q3
6M	+4.05%	+1.66%	+2.39	3 / 9	Q2
YTD	+3.98%	+1.66%	+2.32	2 / 9	Q1
1Y	+6.99%	+3.18%	+3.81	3 / 9	Q2
2Y	+8.42%	+3.70%	+4.72	2 / 9	Q1
3Y	+8.13%	+3.94%	+4.19	2 / 9	Q1
4Y	+7.97%	+3.37%	+4.60	2 / 9	Q1
5Y	+7.19%	+2.96%	+4.23	2 / 9	Q1
7Y	+5.82%	+2.20%	+3.62	2 / 8	Q1
10Y	+5.92%	+2.30%	+3.61	2 / 7	Q2
Inception	+6.40%	+3.05%	+3.35	3 / 9	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	+3.98%	+2.03%	+1.96	1 / 5
2025	+8.91%	+4.18%	+4.73	1 / 5
2024	+8.22%	+3.64%	+4.58	1 / 5
2023	+7.89%	+3.56%	+4.34	1 / 6
2022	+3.87%	+1.32%	+2.55	2 / 8
2021	+13.48%	+4.91%	+8.57	2 / 8
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

+6.35%

131 windows

min -12.7% · max 15.6%

91% positive

3-Year rolling

+5.69%

107 windows

min -0.4% · max 9.2%

94% positive

5-Year rolling

+5.15%

83 windows

min 3.3% · max 9.0%

100% positive

7-Year rolling

+5.14%

58 windows

min 4.6% · max 5.8%

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

1.34

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	₹23.7773	17 Jul 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
ICICI Prudential Credit Risk Fund - Quarterly IDCW	ICICI Prudential	₹11.3276	17 Jul 2026
Franklin India Credit Risk Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	17 Jul 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	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹20.7179
16 Jul 2026	₹20.7106
15 Jul 2026	₹20.6986
14 Jul 2026	₹20.6910
13 Jul 2026	₹20.7207
10 Jul 2026	₹20.7145
9 Jul 2026	₹20.6963
8 Jul 2026	₹20.6905
7 Jul 2026	₹20.7251
6 Jul 2026	₹20.7319

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 - IDCW Option is ₹20.7179. 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 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 - 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 6.99% — +3.81 pp ahead of the Credit Risk Fund category average of 3.18%. The fund ranks #3 of 9 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 8.13% — +4.19 pp ahead of the Credit Risk Fund category average of 3.94%. 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 7.19% — +4.23 pp ahead of the Credit Risk Fund category average of 2.96%. The fund ranks #2 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 ₹177,671 today — a multiplier of 1.78×, based on the 10-year CAGR of 5.92%. The category average over the same window would have grown ₹1 lakh to ₹125,589.

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 ₹731,568 today. That's an XIRR (money-weighted annualised return) of 7.86%.

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 ₹1,678,854 (multiplier 1.40×). XIRR: 6.53%. 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 #2 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 2.96%; this fund delivered 7.19%.

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 5.15% (best 8.97%, worst 3.31%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.40 — weak 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: 7.19%.

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