Should I invest in Nippon India Credit Risk Fund - Institutional Growth Plan?

We don't give personal investment advice. Nippon India Credit Risk Fund - Institutional 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: 8.55%.

Nippon India

Nippon India Credit Risk Fund - Institutional Growth Plan

Latest NAV

₹39.1002

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%	+147.53%	-147.45	2 / 2	Q4
1W	+0.30%	+147.64%	-147.34	2 / 2	Q4
2W	+0.49%	+147.74%	-147.25	2 / 2	Q4
1M	+0.44%	+147.71%	-147.27	2 / 2	Q4
3M	+1.71%	+148.35%	-146.64	2 / 2	Q4
6M	+3.48%	+149.23%	-145.75	2 / 2	Q4
YTD	+3.15%	+149.07%	-145.92	2 / 2	Q4
1Y	+7.40%	+151.20%	-143.79	2 / 2	Q4
2Y	+8.54%	+38.83%	-30.29	2 / 2	Q4
3Y	+8.23%	+8.23%	+0.00	1 / 1	Q4
4Y	+8.08%	+8.08%	+0.00	1 / 1	Q4
5Y	+8.55%	+8.55%	+0.00	1 / 1	Q4
7Y	+5.86%	+5.86%	+0.00	1 / 1	Q4
10Y	+6.15%	+6.15%	+0.00	1 / 1	Q4
Inception	+7.19%	+39.41%	-32.23	2 / 2	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	+3.15%	+3.15%	+0.00	1 / 1
2025	+9.01%	+9.01%	+0.00	1 / 1
2024	+8.16%	+8.16%	+0.00	1 / 1
2023	+7.99%	+7.99%	+0.00	1 / 1
2022	+4.08%	+149.53%	-145.45	2 / 2
2021	+13.59%	-5.43%	+19.02	1 / 2
2020	-5.64%	-5.64%	+0.00	1 / 1
2019	+2.14%	+2.14%	+0.00	1 / 1
2018	+6.21%	+6.21%	+0.00	1 / 1
2017	+7.14%	+7.14%	+0.00	1 / 1
2016	+10.21%	+10.21%	+0.00	1 / 1

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

+7.34%

184 windows

min -11.0% · max 16.2%

93% positive

3-Year rolling

+7.08%

159 windows

min -0.1% · max 10.6%

99% positive

5-Year rolling

+6.82%

135 windows

min 3.6% · max 10.0%

100% positive

7-Year rolling

+6.45%

111 windows

min 4.9% · max 9.3%

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

0.79%

3-year · annualised

Sharpe ratio

1.82

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.38%

May 2026 → May 2026

% positive months

100.0%

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 - Growth Plan	Nippon India	₹37.1779	3 Jun 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹52.3817	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹37.5622	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,293.2545	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Growth	Bandhan	₹16.9818	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.2820	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Growth	Kotak	₹31.0974	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹59.3955	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹39.1002
2 Jun 2026	₹39.1097
1 Jun 2026	₹39.0797
29 May 2026	₹39.0568
27 May 2026	₹39.0134
26 May 2026	₹38.9929
25 May 2026	₹38.9724
22 May 2026	₹38.9100
21 May 2026	₹38.8832
20 May 2026	₹38.9108

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 - Institutional Growth Plan is ₹39.1002. It's a Credit Risk Fund from Nippon India, run as a Institutional plan Growth option. NAVs update once per business day from the AMFI feed.

Nippon India Credit Risk Fund - Institutional 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 - Institutional 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 - Institutional Growth Plan has delivered a absolute return of 7.40% — -143.79 pp behind the Credit Risk Fund category average of 151.20%. The fund ranks #2 of 2 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Nippon India Credit Risk Fund - Institutional Growth Plan has delivered a CAGR of 8.23% — +0 pp ahead of the Credit Risk Fund category average of 8.23%. The fund ranks #1 of 1 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Nippon India Credit Risk Fund - Institutional Growth Plan has delivered a CAGR of 8.55% — +0 pp ahead of the Credit Risk Fund category average of 8.55%. The fund ranks #1 of 1 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Nippon India Credit Risk Fund - Institutional Growth Plan exactly 10 years ago would be worth approximately ₹181,567 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.15%. The category average over the same window would have grown ₹1 lakh to ₹181,567.

A ₹10,000 monthly SIP in Nippon India Credit Risk Fund - Institutional Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹734,454 today. That's an XIRR (money-weighted annualised return) of 8.01%.

A ₹10,000 monthly SIP for 10 years in Nippon India Credit Risk Fund - Institutional Growth Plan = ₹1,200,000 invested. It would currently be worth ₹1,687,114 (multiplier 1.41×). XIRR: 6.63%. 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 - Institutional Growth Plan ranks #1 out of 1 funds in the Credit Risk Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.55%; this fund delivered 8.55%.

The worst peak-to-trough decline Nippon India Credit Risk Fund - Institutional 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 - Institutional Growth Plan averaged 6.82% (best 10.03%, worst 3.60%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.60 — reasonable risk-adjusted performance.

In calendar year 2025, Nippon India Credit Risk Fund - Institutional Growth Plan returned 9.01% — beating the Credit Risk Fund category average of 9.01% by 0.00 pp. It ranked #1 of 1 in its category that year.

Nippon India Credit Risk Fund - Institutional 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 - Institutional 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: 8.55%.

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