Invesco India Credit Risk Fund

Q: What are the returns of this mutual fund scheme?

The Invesco India Credit Risk Fund is a 11 yrs 2 m old fund and has delivered average annual returns of 6.23% since inception. Invesco India Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 9.36% 9.41% 6.5% 5.75% 6.23%

Q: How much does this mutual fund charge as expense ratio?

The Invesco India Credit Risk Fund has an expense ratio of 1.45% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹1963.989+0.04% 1 day change	6.23% p.a.	App exclusive #NA View Ranked Funds	₹153 Cr

Historical NAV & returns

NAV: ₹1963.989 as on Oct 20, 2025

This fund Category average

Invesco India Credit Risk Fund overview

AUM (Fund size)	₹153 Cr
Exit load	4.0% Exit load of 4%, if redeemed within 1 year.!
Lock-in Period	Nil
Age	11 yrs 2 m since Aug 14, 2014
Benchmark	NIFTY Credit Risk Bond Index B-II
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.45% as on Sep 30, 2025
Plan type	Regular
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Invesco India Credit Risk Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	0.44%	0.71%
3 Months	1.03%	1.62%
6 Months	2.56%	4.52%
1 Year	9.36%	9.61%
2 Years	8.43%	8.92%
3 Years	9.41%	8.31%
4 Years	7.37%	8.92%
5 Years	6.5%	8.99%
7 Years	5.26%	5.89%
10 Years	5.75%	6.31%

Asset allocationas on Sep 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0.05%

Top holdings

Sintex Industries Ltd.0.05%

Top sectors

Textiles 0.05%

AA 54.56%

SOV 30.06%

Cash & Call Money 13.91%

Others 0.28%

Top Debt Holdings

GOI 30.06%

ONGC Petro Additions Ltd. 7.94%

Aditya Birla Real Estate Ltd. 7.86%

JSW Steel Ltd. 7.84%

Allocation by Instruments

Debenture 46.69%

GOI Securities 30.060000000000002%

Repo 10.8%

Non Convertible Debenture 7.869999999999999%

Other Holdings

Roadstar Infra Investment Trust 1.14%

Others 0.28%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Invesco India Credit Risk Fund	0.44%	2.56%	9.36%	9.41%	6.5%	5.75%
Bank of India Credit Risk Fund	0.94%	3.06%	6.38%	6.08%	25.92%	1.6%
Baroda BNP Paribas Credit Risk Fund	0.61%	3.75%	8.25%	7.98%	9.55%	7.68%
SBI Credit Risk Fund	0.57%	3.46%	8.37%	8.21%	6.81%	7.3%
Aditya Birla Sun Life Credit Risk Fund	0.92%	4.9%	13.46%	10.8%	9.34%	8.16%
ICICI Prudential Credit Risk Fund	0.87%	4.61%	9.18%	8.42%	7.32%	7.81%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Invesco India Credit Risk Fund	2.76	4.06	0.97	3.77
Bank of India Credit Risk Fund	0.77	0.63	-0.55	-1.74
Baroda BNP Paribas Credit Risk Fund	0.72	1.63	1.79	3.78
SBI Credit Risk Fund	1.21	1.85	1.27	3.74
Aditya Birla Sun Life Credit Risk Fund	2.48	1.92	1.57	6.48
ICICI Prudential Credit Risk Fund	0.95	2.11	1.78	4.48

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Invesco India Credit Risk Fund	N.A.	153 Cr	11 yrs 2 m	1.45%
Bank of India Credit Risk Fund	N.A.	106 Cr	10 yrs 8 m	1.52%
Baroda BNP Paribas Credit Risk Fund	N.A.	196 Cr	10 yrs 9 m	1.61%
SBI Credit Risk Fund	N.A.	2,210 Cr	21 yrs 3 m	1.5%
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,053 Cr	10 yrs 6 m	1.54%
ICICI Prudential Credit Risk Fund	N.A.	5,994 Cr	14 yrs 11 m	1.4%

View all Credit Risk funds

Key risk & return ratios Compared to other funds in the category

Alpha	9.97 vs. 4.98 Higher outperformance against benchmark
Sharpe	0.97 vs. 5.4 Poor risk-adjusted returns
Beta	4.06 vs. 2.66 More sensitive to market's ups & downs
Standard deviation	2.76 vs. 1.99 More volatile performance

Compare Invesco India Credit Risk Fund in detail with

About this fund

About Invesco India Credit Risk Fund

Invesco India Credit Risk Fund is a Credit Risk mutual fund scheme from Invesco Mutual Fund. This fund has been in existence for 11 yrs 2 m, having been launched on 14/08/2014. Invesco India Credit Risk Fund has ₹153 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Invesco India Credit Risk Fund as of 20/10/2025 is ₹1963.99. The fund has an expense ratio of 1.45%, which is higher than what most other Credit Risk funds charge.

Invesco India Credit Risk Fund returns of last 1-year are 9.39%. Since launch, it has delivered 6.25% average annual returns.
Invesco India Credit Risk Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is low indicating it has lent to borrowers whose quality is not too great. Most funds in this category lend to similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in GOI, ONGC Petro Additions Ltd., Aditya Birla Real Estate Ltd., JSW Steel Ltd., Aadhar Housing Finance Ltd.

...

Fund AUM	153 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Vikas Garg

Mr. Garg is CFA MBA Finance, B-Tech and M- Tech 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.

Krishna Venkat Cheemalapati

Mr. Cheemalapati is a B.E., PGDBA and CFA from ICFAI Hyderabad. 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.

Investment objective

The scheme seeks to generate accrual income and capital appreciation by investing in debt securities of varying maturities across the credit spectrum.

Invesco Mutual Fund details

No. of schemes	40 view all schemes
Total AUM	1,28,693 Cr as on Sep 30, 2025
Address	2101 - A-A Wing - 21st Floor, Marathon Futurex, N.M. Joshi Marg, Lower Parel, Mumbai, 400013
Phone	022-67310000 / 1800-209-0007

More funds from Invesco Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Invesco India Corporate Bond Fund	N.A.	7,250 Cr	8.09%	7.69%
Invesco India Banking and PSU Fund	N.A.	182 Cr	7.53%	7.53%
Invesco India Nifty G-sec Sep 2032 Index Fund	N.A.	46 Cr	8.61%	N.A.
Invesco India Short Duration Fund	N.A.	925 Cr	7.96%	7.37%
Invesco India Low Duration Fund	N.A.	1,555 Cr	7.43%	7.28%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Invesco India Credit Risk Fund?

The current Net Asset Value (NAV) of the Invesco India Credit Risk Fund plan is approximately ₹1963.989 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Invesco India Credit Risk Fund is a 11 yrs 2 m old fund and has delivered average annual returns of 6.23% since inception.

Invesco India Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
9.36%	9.41%	6.5%	5.75%	6.23%

How much does this mutual fund charge as expense ratio?

The Invesco India Credit Risk Fund has an expense ratio of 1.45%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Invesco India Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately 153 Cr as on Sep 30, 2025.

What are the top stock holdings of Invesco India Credit Risk Fund?

Company	Percentage of Portfolio
Sintex Industries Ltd.	0.05%

What are the top sectors Invesco India Credit Risk Fund has invested in?

Sector	Percentage of Portfolio
Textiles	0.05%

To whom does Invesco India Credit Risk Fund lend to?

The top 3 debt holdings of Invesco India Credit Risk Fund are as follows

Holding Name	Percentage of Portfolio
GOI	30.06%
ONGC Petro Additions Ltd.	7.94%
Aditya Birla Real Estate Ltd.	7.86%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Invesco India Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	54.56%
SOV	30.06%
Cash & Call Money	13.91%

What is risk level of Invesco India Credit Risk Fund?

This is a Credit Risk fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in Invesco India Credit Risk Fund?

Redeeming your investments in the Invesco India Credit Risk Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Credit Risk

#NA

Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 5 Years.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 4%, if redeemed within 1 year.