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Invesco India Credit Risk Fund - Direct Plan - Growth is a debt scheme managed by Invesco Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 8.14%, with the bottom and top quartiles at 7.28% and 10.47% respectively. It has ranked in the top half of its category for 2 of the last 2 reported years. The total expense ratio is 0.28% on assets of ₹159Cr. The fund is currently managed by Vikas Garg, appointed within the last year.
Lower is better.
| Holding | Sector | Weight |
|---|
| Window | Min | P25 | Median |
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Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
| Scheme | AMC | AUM | TER | 3Y |
|---|
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| NCD AADHAR HOUSING FINANCE LIMITED | Others | 8.19% |
| 9.1% Manappuram Finance Limited | Others | 7.54% |
| SINTEX INDUSTRIES LIMITED | Others | 0.06% |
| Sector | Holdings | Weight |
|---|---|---|
| Textiles | — | 0.06% |
Active bets vs the average Debt fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
| P75 |
|---|
| Max |
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| Positive % |
|---|
| 1Y | 2.23% | 4.41% | 8.83% | 10.65% | 13.73% | 100.0% |
| 3Y | 5.97% | 7.28% | 8.14% | 10.47% | 10.79% | 100.0% |
| 5Y | 7.72% | 7.81% | 7.86% | 8.10% | 8.33% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 15.8% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Debt.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
What an investor SIPping into this fund actually got during named market shocks.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
Does the fund get worse as it gets bigger? Each dot is one historical manager-tenure: AUM at tenure-end vs alpha delivered during that tenure.
Correlation is too weak to confirm or rule out capacity-driven alpha decay. Re-evaluate as more manager-tenure data accumulates.
Each dot is one manager-tenure: X = AUM at tenure end, Y = alpha during that tenure. Connecting line in chronological order. Pearson r measures the linear relationship between AUM and alpha across the historical record. n = 2 data points.
| 5Y |
|---|
| Star |
|---|
| DSP Credit Risk Fund - Direct Plan - Growth | DSP Mutual Fund | ₹242 Cr | 0.41% | +16.57% | +12.99% | 5★ |
| Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth | Aditya Birla Sun Life Mutual Fund | ₹1,353 Cr | 0.84% | +12.63% | +10.61% | 5★ |
| BANK OF INDIA Credit Risk Fund - Direct Plan | Bank of India Mutual Fund | ₹105 Cr | 1.17% | +9.89% | +27.73% | 3★ |
| Axis Credit Risk Fund - Direct Plan - Growth | Axis Mutual Fund | ₹355 Cr | 0.80% | +8.34% | +7.44% | 5★ |
| SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH | SBI Mutual Fund | ₹2,134 Cr | 0.89% | +8.01% | +7.45% | 4★ |
| UTI Credit Risk Fund - Direct Plan - Growth Option | UTI Mutual Fund | ₹253 Cr | 1.04% | +7.52% | +10.02% | 4★ |