{"id":241222,"date":"2026-09-10T13:55:39","date_gmt":"2026-09-10T08:25:39","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/"},"modified":"2026-09-10T13:55:39","modified_gmt":"2026-09-10T08:25:39","slug":"icici-pru-credit-risk-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/","title":{"rendered":"ICICI Pru Credit Risk Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-credit-risk-fund-g-direct-plan\">ICICI Pru Credit Risk Fund Direct Growth Plan<\/a> is priced at \u20b938.7481 as of 09 September 2026, and its scheme AUM is \u20b96,332 Cr. Its 1-year, 3-year and 5-year returns are 8.82%, 9.17% and 8.03% respectively. The fund sits in the High Risk category, so our view is that it suits investors who can accept credit-driven volatility and still want a debt fund with a measured, return-seeking profile.<\/p>\n<p>The record is steady rather than fast-moving: returns have stayed positive across the 1Y, 3Y and 5Y windows, but the recent path has been modest versus the benchmark and uneven in places. That makes it more relevant for investors who can tolerate periods of underperformance in exchange for a diversified credit-oriented portfolio and a long holding horizon.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_ICICI_Pru_Credit_Risk\" title=\"Should you BUY or HOLD ICICI Pru Credit Risk?\">Should you BUY or HOLD ICICI Pru Credit Risk?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/icici-pru-credit-risk-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b938.7481 as of 09 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b96,332 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.76%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>02 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>Nil upto 10% of units and 1% on remaining units on or before 1Y, Nil after 1Y<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Manish Banthia, Akhil Kakkar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Manish Banthia and Akhil Kakkar.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.35%<\/td>\n<td>-4.69%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.56%<\/td>\n<td>0.93%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>8.82%<\/td>\n<td>-7.16%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>9.17%<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>8.03%<\/td>\n<td>5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent numbers are mixed in tone. Over 1 month and 3 months, the fund stayed in positive territory, which suggests it has held up better than the benchmark over the very short run. The 1-year figure is also positive, and that is important because it shows the fund has still compounded through a difficult benchmark backdrop.<\/p>\n<p>At the same time, the path has not been smooth. The movement visible over the intermediate periods suggests a fund that can recover, but not in a straight line. That matters for credit-oriented debt exposure, because returns may depend on portfolio positioning as well as market conditions.<\/p>\n<p>Against the benchmark, the fund is ahead over 1 month, 1 year, 3 years and 5 years. The only period where the benchmark has the edge is 3 months, where the fund\u2019s gain is lower. Our read is that the longer window is more relevant here: the 3Y and 5Y outcomes show a stable compounding pattern, even though the latest quarter was softer than the benchmark\u2019s move.<\/p>\n<p>What stands out most is that the fund\u2019s longer-term return profile is consistent with a debt scheme that is taking credit exposure rather than simply hugging a low-volatility benchmark. That can improve return potential, but it also means the journey can be uneven. Investors should therefore judge it on a full cycle rather than on one or two recent months.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_ICICI_Pru_Credit_Risk\"><\/span>Should you BUY or HOLD ICICI Pru Credit Risk?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding ICICI Pru Credit Risk? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-credit-risk-fund-g-direct-plan\">ICICI Pru Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>8.82%<\/td>\n<td>9.17%<\/td>\n<td>8.03%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-credit-risk-fund-g-direct-plan\">Bank of India Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>17.99%<\/td>\n<td>10.12%<\/td>\n<td>27.79%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-credit-risk-fund-g-direct-plan\">Aditya Birla SL Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>13.04%<\/td>\n<td>13.21%<\/td>\n<td>10.92%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/dsp-credit-risk-fund-g-direct-plan\">DSP Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>11.4%<\/td>\n<td>16.84%<\/td>\n<td>13.37%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-credit-risk-fund-g-direct-plan\">Axis Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>8.76%<\/td>\n<td>8.86%<\/td>\n<td>7.7%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>On the latest 1-year figures, this fund trails the stronger peer results shown here, although it is close to Axis Credit Risk Fund Direct Growth Plan. Over 3 years, it sits below DSP Credit Risk Fund Direct Growth Plan and Aditya Birla SL Credit Risk Fund Direct Growth Plan, but it is ahead of Axis Credit Risk Fund Direct Growth Plan. The 5-year comparison shows a similar pattern: the fund is behind Bank of India Credit Risk Fund Direct Growth Plan, DSP Credit Risk Fund Direct Growth Plan and Aditya Birla SL Credit Risk Fund Direct Growth Plan, while staying ahead of Axis Credit Risk Fund Direct Growth Plan.<\/p>\n<p>That mix tells a clear story. The shorter-term numbers do not point to the same momentum that some peers have shown, and the 5-year figure also remains more restrained than the better-performing peers in this group. Still, the fund has held above one peer across all three lookback periods, so the comparison is not uniformly weak. It looks more like a middle-of-the-pack credit-risk outcome than a standout return profile.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>JTPM Metal Traders Ltd. **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.92%<\/td>\n<\/tr>\n<tr>\n<td>Embassy Office Parks Reit<\/td>\n<td>Finance<\/td>\n<td>3.32%<\/td>\n<\/tr>\n<tr>\n<td>9.4% Vedanta Ltd.<\/td>\n<td>Corporate Debt<\/td>\n<td>3.17%<\/td>\n<\/tr>\n<tr>\n<td>8.7% Adani Enterprises Ltd. **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.16%<\/td>\n<\/tr>\n<tr>\n<td>7.65% Truhome Finance Ltd. **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.11%<\/td>\n<\/tr>\n<tr>\n<td>10.81% Bamboo Hotels &#038; Global Centre (Delhi) Pvt Ltd. **<\/td>\n<td>Corporate Debt<\/td>\n<td>2.93%<\/td>\n<\/tr>\n<tr>\n<td>8% Adani Power Ltd. **<\/td>\n<td>Corporate Debt<\/td>\n<td>2.75%<\/td>\n<\/tr>\n<tr>\n<td>9.25% Keystone Realtors Ltd. **<\/td>\n<td>Corporate Debt<\/td>\n<td>2.7%<\/td>\n<\/tr>\n<tr>\n<td>Net Current Assets<\/td>\n<td>Cash &#038; Cash Equivalents and Net Assets<\/td>\n<td>2.42%<\/td>\n<\/tr>\n<tr>\n<td>8.5% Nirma Ltd. **<\/td>\n<td>Corporate Debt<\/td>\n<td>2.37%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 29.85% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-credit-risk-fund-g-direct-plan\">ICICI Pru Credit Risk Fund Direct Growth Plan<\/a> page<\/p>\n<p>The single largest holding is 3.92%, which is sizeable but not dominant on its own. The gap from the first holding to the tenth is modest, falling to 2.37%, so the visible book is spread across several similarly weighted positions rather than being driven by one or two outsized exposures.<\/p>\n<p>That pattern suggests a portfolio that may rely on multiple credit and structured-debt positions to shape outcomes. With 29.85% of the portfolio shown across the top 10 holdings and 61 total disclosed holdings, the fund appears to have a meaningful tail beyond the largest positions. In our view, that can reduce dependence on any single line item, although the credit nature of the holdings still means individual selections may matter.<\/p>\n<p>The mix is tilted heavily toward corporate debt, with only one of the top 10 entries shown as cash and cash equivalents and net assets. So while the individual weights are not extreme, the portfolio is still likely to be influenced by credit decisions more than by broad market moves.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund is most suitable for investors who can tolerate High Risk in a debt scheme and who are comfortable with credit-driven ups and downs. The 1-year return is positive, but the more useful picture comes from the 3-year and 5-year figures, which show that the fund has compounded steadily over time without matching the stronger peer outcomes visible in the comparison set.<\/p>\n<p>A longer investment horizon makes more sense here than a short holding period, especially because the benchmark comparison is uneven in the near term and the portfolio is built around multiple credit exposures. The main trade-off is clear: investors may get a return profile that is better than a plain low-volatility debt allocation, but they must accept the possibility of weaker patches and a less predictable path.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> Nil upto 10% of units and 1% on remaining units on or before 1Y, Nil after 1Y.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of ICICI Pru Credit Risk Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b938.7481 as of 09 September 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>Its 1-year return is 8.82%, its 3-year return is 9.17%, and its 5-year return is 8.03%.<\/p>\n<p><strong>How has it performed against the benchmark?<\/strong><br \/>It has outperformed the benchmark over 1 month, 1 year, 3 years and 5 years, while trailing it over 3 months.<\/p>\n<p><strong>How does it compare with peer funds on available return data?<\/strong><br \/>Its return profile is more restrained than several peers in the comparison set, especially over 1 year and 5 years, though it is ahead of Axis Credit Risk Fund Direct Growth Plan across the displayed periods.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9100.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Manish Banthia and Akhil Kakkar. The exit load is nil upto 10% of units and 1% on remaining units on or before 1Y, and nil after 1Y.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ICICI Pru Credit Risk Fund Direct Growth Plan shows a steadier long-term return pattern than its latest quarter suggests, but its recent numbers are still softer than the stronger peer outcomes visible here. The fund carries High Risk within debt, and its portfolio is spread across many holdings rather than concentrated in one dominant position. For investors who want credit exposure and can stay patient through uneven stretches, it can fit a longer horizon better than a short-term allocation.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 10 September 2026 at 1:52 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"ICICI Pru Credit Risk Fund Direct Growth Plan\",\"identifier\":\"icici-pru-credit-risk-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"02 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":38.7481,\"valueReference\":\"as of 09 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"6332 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.76\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":8.82},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":9.17},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":8.03},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Manish Banthia, Akhil Kakkar\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of ICICI Pru Credit Risk Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b938.7481 as of 09 September 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is 8.82%, its 3-year return is 9.17%, and its 5-year return is 8.03%.\"}},{\"@type\":\"Question\",\"name\":\"How has it performed against the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has outperformed the benchmark over 1 month, 1 year, 3 years and 5 years, while trailing it over 3 months.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on available return data?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its return profile is more restrained than several peers in the comparison set, especially over 1 year and 5 years, though it is ahead of Axis Credit Risk Fund Direct Growth Plan across the displayed periods.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Manish Banthia and Akhil Kakkar. The exit load is nil upto 10% of units and 1% on remaining units on or before 1Y, and nil after 1Y.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ICICI Pru Credit Risk Fund Direct Growth Plan has a \u20b938.7481 NAV and \u20b96,332 Cr AUM as of 09 September 2026, with 1Y\/3Y\/5Y returns of 8.82%, 9.17% and 8.03%.<\/p>\n","protected":false},"author":38,"featured_media":241219,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-241222","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["241219"],"rank_math_title":["ICICI Pru Credit Risk Fund NAV, Returns &amp; Review"],"rank_math_description":["ICICI Pru Credit Risk Fund Direct Growth Plan NAV is \u20b938.7481; 1Y return is 8.82% as of 09 Sep 2026."],"rank_math_focus_keyword":["ICICI Pru Credit Risk Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/ICICI_Pru_Credit_Risk_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=241222"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241222\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/241219"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=241222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=241222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=241222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}