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Fincash » Mutual Funds India » Best Credit Risk Funds

6 Best Credit Risk Mutual Funds 2020

Updated on January 26, 2020 , 6691 views

The credit risk fund is one of the categories of Mutual Funds introduced by the Securities and Exchange Board of India (SEBI) on Oct 2017. In simple terms, credit risk funds are a type if Debt fund that invest in corporate Bonds and commercial papers. These funds basically invest in low-rated bonds that may see an upgrade in rating in the future. As per definition by SEBI, the credit risk scheme will invest in AA and below the high-rated corporate bonds.

Credit-Risk-Funds

The credit risk mutual funds should invest at least 65 percent of its assets below the highest-rated instruments Generally AAA AA debt rated instrument.

How do Credit Risk Funds Work?

By Investing in low credit rated debt instruments which are below AA rated, credit risk funds aim for higher returns. It is believed that low credit rated debt instruments tend to provide higher returns as these funds are high-risk investments.

Usually, a debt instrument with an AA rating is considered to be riskier than one with AAA ratings. Credit risk fund managers may take a call in investing in the AA instrument over AAA ones. This possibly could be because of the potential upgrade on the ratings later in the future or assured returns due to strong fundamentals.

The corporate sector shows positivity when the economy of the country improves. Due to which there is an improvement in its finances and this leads to an upgrade in bond ratings issued by the company. An instrument with high rating generally offers a lower interest rate compared to the bond/instruments that come with a low rating. Therefore, when rating upgrades, it leads to a fall in yield and a rise in bond price. During the period of economic recovery, there are chances of rating upgrades and one can play this theme with credit risk funds.

Also, since these funds are known for its 2-3% extra returns than those of other risk-free debt funds, investors tend to invest in this fund by taking a little risk.

Who Should Invest in Credit Risk Funds?

Even though this fund belongs to the debt category, credit risk fund comes with a fair amount of risk. Investors should be aware that rise and fall are a frequent trait in such funds. Therefore, investors who can bear risk in their investments should only prefer investing in this fund. One with the low-risk ability should stay away from this fund.

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Top 6 Performing Credit Risk Mutual Funds FY 20 - 21

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2018 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Axis Credit Risk Fund Growth ₹14.9545
↑ 0.01
₹1,2602.24.34.55.54.49.2%1Y 8M 12D2Y 1M 6D
PGIM India Credit Risk Fund Growth ₹14.7416
↑ 0.01
₹3641.44.33.15.1310.61%1Y 5M 8D1Y 10M 13D
HDFC Credit Risk Debt Fund Growth ₹16.3808
↑ 0.00
₹14,4752.54.79.26.88.69%1Y 10M 13D2Y 6M 3D
SBI Credit Risk Fund Growth ₹31.3171
↑ 0.01
₹5,0761.84.26.76.56.58.69%1Y 11M 1D2Y 5M 26D
DSP BlackRock Credit Risk Fund Growth ₹28.8102
↑ 0.01
₹1,3961.92.24.52.64.48.46%1Y 2M 5D1Y 5M 5D
Invesco India Credit Risk Fund Growth ₹1,345.09
↑ 0.52
₹1861.63.72.71.9-4.56.75%1Y 2M 19D1Y 4M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 20

1. Axis Credit Risk Fund

(Erstwhile Axis Fixed Income Opportunities Fund)

To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns

Axis Credit Risk Fund is a Debt - Credit Risk fund was launched on 15 Jul 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 4 in Credit Risk category.  Return for 2019 was 4.4% , 2018 was 5.9% and 2017 was 6.4% .

Below is the key information for Axis Credit Risk Fund

Axis Credit Risk Fund
Growth
Launch Date 15 Jul 14
NAV (28 Jan 20) ₹14.9545 ↑ 0.01   (0.05 %)
Net Assets (Cr) ₹1,260 on 31 Dec 19
Category Debt - Credit Risk
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.73
Sharpe Ratio 0.25
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 9.2%
Effective Maturity 2 Years 1 Month 6 Days
Modified Duration 1 Year 8 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,870
31 Dec 16₹11,934
31 Dec 17₹12,702
31 Dec 18₹13,450
31 Dec 19₹14,036

Axis Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Axis Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 20

DurationReturns
1 Month 0.9%
3 Month 2.2%
6 Month 4.3%
1 Year 4.5%
3 Year 5.5%
5 Year 6.9%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2018 4.4%
2017 5.9%
2016 6.4%
2015 9.8%
2014 8.7%
2013
2012
2011
2010
2009
Fund Manager information for Axis Credit Risk Fund
NameSinceTenure
Devang Shah15 Jul 145.38 Yr.

Data below for Axis Credit Risk Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash9.24%
Debt90.76%
Debt Sector Allocation
SectorValue
Corporate74.44%
Government10.57%
Cash Equivalent8.91%
Securitized6.09%
Credit Quality
RatingValue
A13.94%
AA57.75%
AAA28.3%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Receivables / (Payables)
Net Current Assets | -
4%₹53 Cr
Coastal Gujarat Power Limited
Debentures | -
4%₹46 Cr450
JSW Techno Projects Management Limited
Debentures | -
3%₹45 Cr400
Birla Corporation Limited
Debentures | -
3%₹44 Cr440
MFL SECURITISATION TRUST LXXIX
Unlisted bonds | -
3%₹41 Cr576
↑ 26
NIRCHEM Cement Limited
Debentures | -
3%₹39 Cr391
Bhopal Dhule Transmission Company Limited
Debentures | -
3%₹37 Cr378
Narmada Wind Energy Private Limited
Debentures | -
3%₹37 Cr400
ESSEL MINING & INDUSTRIES LIMITED
Debentures | -
3%₹35 Cr350
JK Lakshmi Cement Ltd.
Debentures | -
3%₹35 Cr350

2. PGIM India Credit Risk Fund

(Erstwhile DHFL Pramerica Credit Opportunities Fund)

The investment objective of the Scheme is to generate income and capital appreciation by investing predominantly in corporate debt. There can be no assurance that the investment objective of the Scheme will be realized.

PGIM India Credit Risk Fund is a Debt - Credit Risk fund was launched on 29 Sep 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch.  Ranked 2 in Credit Risk category.  Return for 2019 was 3% , 2018 was 5.1% and 2017 was 7.3% .

Below is the key information for PGIM India Credit Risk Fund

PGIM India Credit Risk Fund
Growth
Launch Date 29 Sep 14
NAV (28 Jan 20) ₹14.7416 ↑ 0.01   (0.08 %)
Net Assets (Cr) ₹364 on 31 Dec 19
Category Debt - Credit Risk
AMC Pramerica Asset Managers Private Limited
Rating
Risk Moderate
Expense Ratio 1.85
Sharpe Ratio -0.06
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity 10.61%
Effective Maturity 1 Year 10 Months 13 Days
Modified Duration 1 Year 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹11,079
31 Dec 16₹12,185
31 Dec 17₹13,071
31 Dec 18₹13,733
31 Dec 19₹14,148

PGIM India Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for PGIM India Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 20

DurationReturns
1 Month 0.8%
3 Month 1.4%
6 Month 4.3%
1 Year 3.1%
3 Year 5.1%
5 Year 7%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 3%
2017 5.1%
2016 7.3%
2015 10%
2014 10.8%
2013
2012
2011
2010
2009
Fund Manager information for PGIM India Credit Risk Fund
NameSinceTenure
Kumaresh Ramakrishnan8 Mar 163.82 Yr.
Viral Shah1 Dec 190.08 Yr.

Data below for PGIM India Credit Risk Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash6.49%
Debt93.51%
Debt Sector Allocation
SectorValue
Corporate77.5%
Government16.01%
Cash Equivalent6.49%
Credit Quality
RatingValue
A12.59%
AA66.71%
AAA13.22%
BBB7.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Hansdeep Industries & Trading Company Limited
Debentures | -
11%₹40 Cr4,020,000
Green Infra Wind Energy Limited
Debentures | -
11%₹40 Cr4,000,000
Punjab and Sind Bank
Debentures | -
10%₹36 Cr3,500,000
U.P. Power Corporation Limited
Debentures | -
10%₹35 Cr3,500,000
↓ -1,000,000
NIRCHEM Cement Limited
Debentures | -
8%₹30 Cr3,000,000
↓ -1,000,000
Tata Housing Development Company Limited
Debentures | -
7%₹25 Cr2,540,000
Nirma Limited
Debentures | -
7%₹24 Cr2,500,000
Net Receivables / (Payables)
Net Current Assets | -
5%₹18 Cr
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -
5%₹18 Cr1,750,000
↑ 900,000
Yes Bank Limited
Debentures | -
4%₹14 Cr1,740,000
↓ -10,000

3. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

To generate regular income and capital appreciation by investing predominantly in corporate debt.

HDFC Credit Risk Debt Fund is a Debt - Credit Risk fund was launched on 25 Mar 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.8% since its launch.  Ranked 9 in Credit Risk category.  Return for 2019 was 8.6% , 2018 was 5.4% and 2017 was 6.6% .

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund
Growth
Launch Date 25 Mar 14
NAV (28 Jan 20) ₹16.3808 ↑ 0.00   (0.03 %)
Net Assets (Cr) ₹14,475 on 31 Dec 19
Category Debt - Credit Risk
AMC HDFC Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.64
Sharpe Ratio 2.95
Information Ratio -0.63
Alpha Ratio -0.92
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL)
Yield to Maturity 9%
Effective Maturity 2 Years 6 Months 3 Days
Modified Duration 1 Year 10 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,901
31 Dec 16₹12,095
31 Dec 17₹12,890
31 Dec 18₹13,581
31 Dec 19₹14,755

HDFC Credit Risk Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for HDFC Credit Risk Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 20

DurationReturns
1 Month 1%
3 Month 2.5%
6 Month 4.7%
1 Year 9.2%
3 Year 6.8%
5 Year 8%
10 Year
15 Year
Since launch 8.8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 8.6%
2017 5.4%
2016 6.6%
2015 11%
2014 9%
2013
2012
2011
2010
2009
Fund Manager information for HDFC Credit Risk Debt Fund
NameSinceTenure
Shobhit Mehrotra25 Mar 145.77 Yr.
Chirag Dagli31 Jul 190.42 Yr.

Data below for HDFC Credit Risk Debt Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash7.56%
Debt92.44%
Debt Sector Allocation
SectorValue
Corporate78.93%
Government14.29%
Cash Equivalent6.02%
Securitized0.76%
Credit Quality
RatingValue
A18.88%
AA50.39%
AAA30.05%
BB0.07%
Below B0.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Tata International Limited
Debentures | -
5%₹696 Cr6,950
Net Current Assets
Net Current Assets | -
4%₹564 Cr
Power Finance Corporation Ltd.
Debentures | -
3%₹397 Cr3,760
↑ 500
Reliance Ports And Terminals Limited
Debentures | -
3%₹387 Cr3,820
Muthoot Finance Limited
Debentures | -
3%₹375 Cr3,800,000
Tata Steel Limited
Debentures | -
2%₹356 Cr2,242
Tata Sky Limited
Debentures | -
2%₹313 Cr2,000
HDFC Bank Limited
Debentures | -
2%₹308 Cr3,040
Punjab National Bank
Debentures | -
2%₹295 Cr3,000
Treps - Tri-Party Repo
CBLO/Reverse Repo | -
2%₹291 Cr

4. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

The investment objective will be to actively manage a portfolio of good quality corporate debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders. However there is no guarantee or assurance that the investment objective of the scheme will be achieved.

SBI Credit Risk Fund is a Debt - Credit Risk fund was launched on 19 Jul 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch.  Ranked 3 in Credit Risk category.  Return for 2019 was 6.5% , 2018 was 6.2% and 2017 was 6.9% .

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund
Growth
Launch Date 19 Jul 04
NAV (28 Jan 20) ₹31.3171 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹5,076 on 31 Dec 19
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.63
Sharpe Ratio 1.31
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity 8.69%
Effective Maturity 2 Years 5 Months 26 Days
Modified Duration 1 Year 11 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,971
31 Dec 16₹12,121
31 Dec 17₹12,956
31 Dec 18₹13,758
31 Dec 19₹14,652

SBI Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for SBI Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 20

DurationReturns
1 Month 1%
3 Month 1.8%
6 Month 4.2%
1 Year 6.7%
3 Year 6.5%
5 Year 7.8%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.5%
2017 6.2%
2016 6.9%
2015 10.5%
2014 9.7%
2013 10.6%
2012 10.1%
2011 9.8%
2010 9.4%
2009 5.6%
Fund Manager information for SBI Credit Risk Fund
NameSinceTenure
Lokesh Mallya1 Feb 172.75 Yr.
Mansi Sajeja1 Feb 172.75 Yr.

Data below for SBI Credit Risk Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash12.82%
Debt87.18%
Debt Sector Allocation
SectorValue
Corporate76.96%
Government12.88%
Cash Equivalent10.17%
Credit Quality
RatingValue
A20.36%
AA53.7%
AAA25.94%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
4%₹212 Cr
Bharat Aluminium Company Limited
Debentures | -
4%₹198 Cr2,000
SADBHAV ENGINEERING LIMITED
Debentures | -
4%₹191 Cr1,900
EMBASSY OFFICE PARKS REIT
Debentures | -
4%₹187 Cr1,750
TATA REALTY AND INFRASTRUCTURE LIMITED
Debentures | -
4%₹185 Cr1,750
Nirma Limited
Debentures | -
3%₹165 Cr1,650
STERLITE POWER GRID VENTURES LIMITED
Debentures | -
3%₹150 Cr1,500
Tata Realty And Infrastructure Limited
Debentures | -
3%₹145 Cr1,250
L & T Vadodara Bharuch Tollway Limited
Debentures | -
3%₹129 Cr130,000
TMF HOLDINGS LIMITED
Debentures | -
3%₹128 Cr1,250

5. DSP BlackRock Credit Risk Fund

(Erstwhile DSP BlackRock Income Opportunities Fund)

An open ended fund seeking to generate income commensurate with prudent risk from a portfolio substantially constituted of floating rate debt securities and fixed rate securities swapped for floating rate returns.

DSP BlackRock Credit Risk Fund is a Debt - Credit Risk fund was launched on 13 May 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.5% since its launch.  Ranked 8 in Credit Risk category.  Return for 2019 was 4.4% , 2018 was -2.6% and 2017 was 6.4% .

Below is the key information for DSP BlackRock Credit Risk Fund

DSP BlackRock Credit Risk Fund
Growth
Launch Date 13 May 03
NAV (28 Jan 20) ₹28.8102 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹1,396 on 31 Dec 19
Category Debt - Credit Risk
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderate
Expense Ratio 1.59
Sharpe Ratio 0.43
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 8.46%
Effective Maturity 1 Year 5 Months 5 Days
Modified Duration 1 Year 2 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,964
31 Dec 16₹12,126
31 Dec 17₹12,906
31 Dec 18₹12,567
31 Dec 19₹13,119

DSP BlackRock Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for DSP BlackRock Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 20

DurationReturns
1 Month 0.8%
3 Month 1.9%
6 Month 2.2%
1 Year 4.5%
3 Year 2.6%
5 Year 5.5%
10 Year
15 Year
Since launch 6.5%
Historical performance (Yearly) on absolute basis
YearReturns
2018 4.4%
2017 -2.6%
2016 6.4%
2015 10.6%
2014 9.6%
2013 10.8%
2012 8.1%
2011 8.8%
2010 8.5%
2009 5.2%
Fund Manager information for DSP BlackRock Credit Risk Fund
NameSinceTenure
Laukik Bagwe17 Jul 163.46 Yr.
Saurabh Bhatia1 Mar 190.84 Yr.

Data below for DSP BlackRock Credit Risk Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash30.88%
Debt69.12%
Debt Sector Allocation
SectorValue
Corporate73.66%
Cash Equivalent18.8%
Government7.53%
Credit Quality
RatingValue
AA67.33%
AAA30.51%
Below B2.16%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Essar Oil Limited
Debentures | -
14%₹213 Cr205
Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -
10%₹152 Cr
Green Infra Wind Energy Limited
Debentures | -
10%₹150 Cr1,500
HDFC Bank Limited
Certificate of Deposit | -
7%₹99 Cr10,000
KKR India Financial Services Private Limited
Debentures | -
6%₹96 Cr75
U.P. Power Corporation Limited
Debentures | -
6%₹91 Cr904
Bank Of Baroda
Certificate of Deposit | -
5%₹74 Cr7,500
Export-Import Bank Of India
Debentures | -
4%₹60 Cr535
Bank Of Baroda
Debentures | -
4%₹55 Cr500
ECL Finance Limited
Debentures | -
3%₹39 Cr420,000

6. Invesco India Credit Risk Fund

(Erstwhile Invesco India Corporate Bond Opportunities Fund)

To generate returns and capital appreciation by predominantly investing in corporate debt securities of varying maturities across the credit spectrum.

Invesco India Credit Risk Fund is a Debt - Credit Risk fund was launched on 4 Sep 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 5.6% since its launch.  Ranked 4 in Credit Risk category.  Return for 2019 was -4.5% , 2018 was 4.1% and 2017 was 7.1% .

Below is the key information for Invesco India Credit Risk Fund

Invesco India Credit Risk Fund
Growth
Launch Date 4 Sep 14
NAV (28 Jan 20) ₹1,345.09 ↑ 0.52   (0.04 %)
Net Assets (Cr) ₹186 on 31 Dec 19
Category Debt - Credit Risk
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderate
Expense Ratio 1.39
Sharpe Ratio -0.93
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity 6.75%
Effective Maturity 1 Year 4 Months 20 Days
Modified Duration 1 Year 2 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,909
31 Dec 16₹12,101
31 Dec 17₹12,958
31 Dec 18₹13,488
31 Dec 19₹12,877

Invesco India Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Invesco India Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 20

DurationReturns
1 Month 0.7%
3 Month 1.6%
6 Month 3.7%
1 Year 2.7%
3 Year 1.9%
5 Year 5.1%
10 Year
15 Year
Since launch 5.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -4.5%
2017 4.1%
2016 7.1%
2015 10.9%
2014 9.1%
2013
2012
2011
2010
2009
Fund Manager information for Invesco India Credit Risk Fund
NameSinceTenure
Sujoy Das4 Jan 200 Yr.

Data below for Invesco India Credit Risk Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash46.66%
Debt53.34%
Debt Sector Allocation
SectorValue
Cash Equivalent46.66%
Corporate33.71%
Government19.63%
Credit Quality
RatingValue
AA43.53%
AAA56.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Triparty Repo
CBLO/Reverse Repo | -
23%₹45 Cr
Raymond Limited
Debentures | -
13%₹25 Cr2,500,000
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Debentures | -
10%₹20 Cr1,950,000
Housing And Urban Development Corporation Ltd.
Debentures | -
10%₹19 Cr1,850,000
National Bank For Agriculture And Rural Development
Debentures | -
9%₹18 Cr1,750,000
Export-Import Bank Of India
Debentures | -
8%₹15 Cr1,500,000
↑ 1,500,000
Net Receivables / (Payables)
Net Current Assets | -
6%₹11 Cr
Inox Air Products Limited
Debentures | -
5%₹10 Cr1,000,000
GE Capital Services India
Debentures | -
5%₹10 Cr1,000,000
ECL Finance Limited
Debentures | -
5%₹10 Cr1,000,000

Things to Keep in Mind While Investing

a. Risk

Since these funds are risky, you need to have a high-risk appetite. You should be able to tolerate the risk in this fund.

b. Role of Fund Manager

Always go for an experienced and reputed fund manager. Check the past performance of the schemes managed by that fund manager.

c. Asset Under Management (AUM)

Check the AUM of the fund before investing. Ideally, when you invest in this type of fund, the size of the fund should be big. This is because their greater corpus helps in spreading out the risk and the scope of diversification is better.

How to Invest in Credit Risk Funds Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

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