Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 2/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 56/100 · Average
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)8.16%
- Expense ratio (20%)1.01%
- AUM (15%)₹7,666 Cr
Not investment advice — an analytical read of public fund data. Methodology →
HDFC Mutual Fund · Debt · Credit Risk
₹28.34
AUM: ₹7,665 Cr
NAV updated 3 days ago
Plan
Direct
Option
Idcw
Risk
Moderate to High
Expense Ratio
1.01%
Exit Load
Exit load for units in excess of 15% of the investment, 1% will be charged for redemption within 12 months and 0.50% if redeemed after 12 months but within 18 months.
Fund Manager
Shobhit Mehrotra
Inception
Mar 2014
Benchmark
NIFTY Credit Risk Bond Index B-II
Sharpe Ratio
-1.38
Std Dev (1Y)
2.93%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.12%
3m
+1.53%
6m
+4.05%
1y
+7.22%
3y
+8.16%
5y
+7.1%
10y
+7.87%
since inception
+0.71%
TopFund's Take on HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan
HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan sits in the middle of the pack for Credit Risk funds, currently carrying a 2-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 56/100.
Cost: At 1.01%, the expense ratio runs 49% above the Credit Risk category average of 0.68%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -1.38 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 2.93% is on the lower side for a Credit Risk fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Debt fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan
The current NAV (Net Asset Value) of HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan is ₹28.34. NAV is updated every business day after market close by AMFI.
1Y: 7.22% · 3Y CAGR: 8.16% · 5Y CAGR: 7.1%
The expense ratio of HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan is 1.01% per annum. This is the annual fee charged by the fund to manage your investment.
HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan is managed by Shobhit Mehrotra at HDFC Mutual Fund.
HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan is classified as a Moderate to High risk fund. It is suitable for investors with a moderate risk appetite.
HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan is a Credit Risk fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan is ₹7,666 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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