{"id":243185,"date":"2026-09-11T10:38:29","date_gmt":"2026-09-11T05:08:29","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/invesco-india-credit-risk-fund-direct-growth-review-2026\/"},"modified":"2026-09-11T10:38:29","modified_gmt":"2026-09-11T05:08:29","slug":"invesco-india-credit-risk-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/invesco-india-credit-risk-fund-direct-growth-review-2026\/","title":{"rendered":"Invesco India Credit Risk Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/invesco-india-credit-risk-fund-g-direct-plan\">Invesco India Credit Risk Fund Direct Growth Plan<\/a> had a NAV of \u20b92,355.1355 as of 10 Sep 2026 and an AUM of \u20b9167 Cr. Its 1-year, 3-year and 5-year returns are 8.29%, 9.67% and 8.44%, and the fund sits in the Medium Risk category.<\/p>\n<p>Our view is that this is a steadier credit-oriented debt option rather than a fast-return story. The return pattern is better suited to investors who can stay with a conservative debt allocation over time and accept some credit and duration movement in exchange for measured compounding.<\/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\/invesco-india-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\/invesco-india-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\/invesco-india-credit-risk-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Invesco_India_Credit_Risk\" title=\"Should you BUY or HOLD Invesco India Credit Risk?\">Should you BUY or HOLD Invesco India 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\/invesco-india-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\/invesco-india-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\/invesco-india-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\/invesco-india-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\/invesco-india-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\/invesco-india-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\/invesco-india-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\/invesco-india-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>\u20b92,355.1355 as of 10 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9167 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.28%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>04 Sep 2014<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91,000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium 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>1% on or before 1Y, NIL after 1Y<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Vikas Garg, Krishna Cheemalapati<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Vikas Garg and Krishna Cheemalapati.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 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>0.28%<\/td>\n<td>-4.06%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.01%<\/td>\n<td>1.37%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>8.29%<\/td>\n<td>-7.31%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>9.67%<\/td>\n<td>6.07%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>8.44%<\/td>\n<td>5.91%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent pattern is constructive, especially over the 1-year period. The fund has held positive returns across all the tracked horizons, while the benchmark has been negative over 1 year and 1 month. That gap matters because it suggests the fund has been more resilient than the benchmark through weaker stretches.<\/p>\n<p>Longer-term compounding also looks consistent. The 3-year return of 9.67% is slightly above the 5-year return of 8.44%, which tells us the latest multi-year stretch has been a little stronger than the full five-year window. That is a useful sign for a debt fund, because it points to reasonable stability rather than a sharp one-off jump.<\/p>\n<p>The time pattern also looks smoother than a volatile equity-style return path. There were phases of modest drift and recovery rather than large swings, and that fits the fund\u2019s debt category. Even so, the benchmark comparison shows that the fund has not merely followed the market; it has generally outpaced the benchmark over the key periods we track here.<\/p>\n<p>For investors, the main takeaway is that the fund has delivered steady, positive compounding with a relatively controlled profile. It does not look like a high-growth product, but it has been better behaved than the benchmark over both short and long horizons.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 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_Invesco_India_Credit_Risk\"><\/span>Should you BUY or HOLD Invesco India 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 Invesco India 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\/invesco-india-credit-risk-fund-g-direct-plan\">Invesco India Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>8.29%<\/td>\n<td>9.67%<\/td>\n<td>8.44%<\/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>10.1%<\/td>\n<td>27.77%<\/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>12.96%<\/td>\n<td>13.18%<\/td>\n<td>10.91%<\/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>11.34%<\/td>\n<td>16.81%<\/td>\n<td>13.36%<\/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>8.75%<\/td>\n<td>8.85%<\/td>\n<td>7.7%<\/td>\n<\/tr>\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>8.72%<\/td>\n<td>9.15%<\/td>\n<td>8.02%<\/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>Against peers, the fund\u2019s 1-year return is below several comparable options, including Bank of India Credit Risk Fund Direct Growth Plan, Aditya Birla SL Credit Risk Fund Direct Growth Plan and DSP Credit Risk Fund Direct Growth Plan. Its 3-year and 5-year figures are also more modest than the strongest peer numbers available here, although they are close to Axis Credit Risk Fund Direct Growth Plan and ICICI Pru Credit Risk Fund Direct Growth Plan on some horizons.<\/p>\n<p>The picture is therefore mixed. The fund does not stand out on the recent return table, but its longer-term returns remain positive and broadly stable. That makes the comparison less about chasing the highest number and more about deciding whether steadier performance with a smaller swing profile is preferable to a more aggressive return path.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 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>Triparty Repo<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>16.09%<\/td>\n<\/tr>\n<tr>\n<td>6.68% Government of India 2040<\/td>\n<td>Government Securities<\/td>\n<td>14.45%<\/td>\n<\/tr>\n<tr>\n<td>6.79% Government of India 2034<\/td>\n<td>Government Securities<\/td>\n<td>8.93%<\/td>\n<\/tr>\n<tr>\n<td>7.51% Tata Housing Development Company Limited 2028 **<\/td>\n<td>Corporate Debt<\/td>\n<td>8.26%<\/td>\n<\/tr>\n<tr>\n<td>8% Adani Power Limited 2028 **<\/td>\n<td>Corporate Debt<\/td>\n<td>8.19%<\/td>\n<\/tr>\n<tr>\n<td>8.65% Aadhar Housing Finance Limited 2027 **<\/td>\n<td>Corporate Debt<\/td>\n<td>7.81%<\/td>\n<\/tr>\n<tr>\n<td>8.29% ONGC Petro Additions Limited 2027 **<\/td>\n<td>Corporate Debt<\/td>\n<td>7.2%<\/td>\n<\/tr>\n<tr>\n<td>7.87% Lodha Developers Limited 2029 **<\/td>\n<td>Corporate Debt<\/td>\n<td>7.19%<\/td>\n<\/tr>\n<tr>\n<td>8.75% 360 One Prime Limited 2027 **<\/td>\n<td>Corporate Debt<\/td>\n<td>5.97%<\/td>\n<\/tr>\n<tr>\n<td>10.5% Indostar Capital Finance Limited 2026<\/td>\n<td>Corporate Debt<\/td>\n<td>3.6%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding, Triparty Repo, is 16.09%, which is large enough to matter but not so dominant that it overwhelms the rest of the portfolio. Government securities also take meaningful space near the top, while the corporate debt sleeve is spread across several issuers rather than concentrated in just one or two names.<\/p>\n<p>The weight drop from the largest holding to the tenth is quite noticeable, moving from 16.09% to 3.6%. That tells us the portfolio is top-heavy at the first few positions but still diversified across multiple debt instruments. The top 10 holdings account for approximately 87.69% of the portfolio, and with 15 disclosed holdings in total, the remaining tail is present but comparatively small.<\/p>\n<p>Our view is that this mix may reduce reliance on a single exposure, but the fund still appears meaningfully shaped by its largest positions. That makes the portfolio more suitable for investors who are comfortable with a credit-oriented debt structure where a handful of holdings can influence returns more than a broad, index-like spread.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/invesco-india-credit-risk-fund-g-direct-plan\">Invesco India Credit Risk Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 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 suits investors who want a debt allocation with moderate risk tolerance and a longer holding horizon. The Medium Risk label fits the return pattern: positive over 1 year, 3 years and 5 years, but not without the ups and downs that come from credit-risk exposure.<\/p>\n<p>Its benchmark comparison and peer comparison suggest that the fund has been reasonably steady, though not the most aggressive performer in its group. The trade-off is clear: investors may accept a more measured return path in exchange for a portfolio that has generally stayed positive and has not shown equity-like volatility.<\/p>\n<p>The fund is most relevant for investors who can stay invested through periods when returns move more slowly and who are comfortable with the credit profile implied by the holdings mix.<\/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> 1% if units are sold on or before 1 year; no exit load after 1 year.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 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 Invesco India Credit Risk Fund Direct Growth Plan?<\/strong><br \/>Its NAV is \u20b92,355.1355 as of 10 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s returns are 8.29% for 1 year, 9.67% for 3 years and 8.44% for 5 years.<\/p>\n<p><strong>How has the fund done versus the benchmark?<\/strong><br \/>It has been ahead of the benchmark across the tracked horizons. The benchmark return is -7.31% for 1 year, 6.07% for 3 years and 5.91% for 5 years.<\/p>\n<p><strong>How does it compare with peer funds?<\/strong><br \/>Its recent returns are more modest than several peers, especially on the 1-year measure, but it remains positive across 1-year, 3-year and 5-year periods.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b91,000.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Vikas Garg and Krishna Cheemalapati. The exit load is 1% if units are sold on or before 1 year, and there is no exit load after 1 year.<\/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>This fund has shown steadier longer-term compounding than the benchmark, while recent returns remain positive but not exceptional versus peers. The Medium Risk profile and the debt-heavy portfolio make it more suitable for investors who want measured participation rather than chasing the highest available returns.<\/p>\n<p>Its top holdings are meaningfully weighted, especially in repo, government securities and selected corporate debt positions, so the portfolio can still be influenced by a handful of names. For investors who are comfortable with that structure and want a patient, debt-oriented holding, it offers a consistent but not aggressive return profile.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 11 September 2026 at 10:36 AM 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\":\"Invesco India Credit Risk Fund Direct Growth Plan\",\"identifier\":\"invesco-india-credit-risk-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"04 Sep 2014\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":2355.1355,\"valueReference\":\"as of 10 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"167 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.28\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":8.29},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":9.67},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":8.44},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Vikas Garg, Krishna Cheemalapati\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Invesco India Credit Risk Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its NAV is \u20b92,355.1355 as of 10 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are 8.29% for 1 year, 9.67% for 3 years and 8.44% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund done versus the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has been ahead of the benchmark across the tracked horizons. The benchmark return is -7.31% for 1 year, 6.07% for 3 years and 5.91% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its recent returns are more modest than several peers, especially on the 1-year measure, but it remains positive across 1-year, 3-year and 5-year periods.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b91,000.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Vikas Garg and Krishna Cheemalapati. The exit load is 1% if units are sold on or before 1 year, and there is no exit load after 1 year.\"}}]}<\/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>Invesco India Credit Risk Fund Direct Growth Plan had a NAV of \u20b92,355.1355 as of 10 Sep 2026, AUM of \u20b9167 Cr and 5-year returns of 8.44%.<\/p>\n","protected":false},"author":38,"featured_media":243182,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-243185","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["243182"],"rank_math_title":["Invesco India Credit Risk Fund Direct Growth Review"],"rank_math_description":["Invesco India Credit Risk Fund Direct Growth Plan NAV \u20b92,355.1355 as of 10 Sep 2026; 1Y return 8.29%."],"rank_math_focus_keyword":["Invesco India 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\/Invesco_India_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\/243185","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=243185"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/243185\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/243182"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=243185"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=243185"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=243185"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}