Sharpe ratio
0.31Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+7.03%1Y Absolute Return
-0.06%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Invesco India Credit Risk Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,98,278 | ₹7,32,612 | ₹1,65,666 | +8.39% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age12.2 yrs
Fund information
Scheme code130722
ISININF205K01I83
BenchmarkNIFTY Credit Risk Bond Index B-II
CategoryDebt Scheme - Credit Risk Fund
Expense ratio0.28%
Exit loadExit load of 1%, if redeemed within 1 year.
Minimum SIP₹1,000 SIP
Return comparison
16th / 86 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +7.31% | — | — |
| 3M | +1.34% | — | — |
| 6M | +6.70% | — | — |
| 1Y | +7.03% | — | +4.07% |
| 3Y | +8.81% | — | +5.67% |
| 5Y | +8.39% | — | +5.54% |
| 10Y | +6.43% | — | — |
| Since Launch | +7.29% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.37Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.69%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.92How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt90.44%
Cash9.06%
Real Estate0.44%
Equity0.06%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 19 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOI Sec 7.18 14/08/2033 | Entities | GOI Securities | 12.61% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 8.95% |
| TATA HOUSING DEVELOPMENT COMPANY LIMITED SR I 7.51 NCD 08DC28 FVRS1LAC | Industrials | Debenture | 8.52% |
| ADANI POWER LIMITED SR I 8 NCD 27JN28 FVRS1LAC | Energy & Utilities | Debenture | 8.42% |
| AADHAR HOUSING FINANCE LIMITED 8.65 NCD 21AG27 FVRS1LAC | Financial | Debenture | 8.01% |
| ONGC PETRO ADDITIONS LIMITED SR XII 8.29 NCD 25JN27 FVRS1LAC | Energy & Utilities | Debenture | 7.37% |
| LODHA DEVELOPERS LIMITED 7.87 NCD 15SP29 FVRS1LAC | Real Estate | Debenture | 7.37% |
| MANAPPURAM FINANCE LIMITED 9.10 NCD 19AG26 FVRS1LAC | Financial | Non Convertible Debenture | 7.35% |
| Repo | Unspecified | Repo | 6.22% |
| 360 ONE PRIME LIMITED 8.75 NCD 10SP27 FVRS1LAC | Financial | Debenture | 6.12% |
Fund management
VI
Vikas Garg
Since 2020 · Prior to joining Invesco India Mutual Fund, he has worked with L&T Mutual Fund as Fund Manager, Fidelity International as Credit analyst and Research Associate- Credit, ICRA as Sr Analyst and Indian Oil Corporation Ltd as Project manager.
Mr. Garg is CFA MBA Finance, B-Tech and M- Tech
KR
Krishna Venkat Cheemalapati
Since 2020 · Prior to joining Invesco Mutual Fund, he has worked with Reliance General Insurance Company Ltd. as CIO and with ICAP India Pvt. Ltd as fixed income dealer.
Mr. Cheemalapati is a B.E., PGDBA and CFA from ICFAI Hyderabad.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - credit risk fund. Well spread out — top 10 holdings are only 0% of the portfolio.
Strengths
- Well spread out — top 10 holdings are only 0% of the portfolio.
- Same fund manager for 6+ years — the strategy has not chopped and changed.
- Ranks 16 of 86 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- None