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 Mutual Fund

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

Full rating methodology →

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

+17.4 (+159.07%)

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

Non Convertible Debenture 40.00%
Debenture 22.22%
Bonds 10.14%
GOI Securities 6.76%
Infrastructure Investment Trust 6.71%
Bonds/NCDs 3.55%
Securitised Debt 3.50%
Net Current Assets 2.87%
Repo 1.62%
State Development Loan 1.33%
Real Estate Investment Trusts 0.97%
Alternative Investment Fund 0.33%

Frequently Asked Questions about HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan

* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.

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