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.
HSBC Credit Risk Fund - Direct Annual IDCW
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, 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: 68/100 · Good
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)11.67%
- Expense ratio (20%)0.84%
- AUM (15%)₹457 Cr
Not investment advice — an analytical read of public fund data. Methodology →
HSBC Mutual Fund · Debt · Credit Risk
₹37.79
AUM: ₹456 Cr
NAV updated 2 days ago
Plan
Direct
Option
Idcw
Risk
Moderate to High
Expense Ratio
0.84%
Exit Load
Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 Year.
Fund Manager
Jalpan Shah
Inception
Jan 2013
Benchmark
NIFTY Credit Risk Bond Index B-II
Sharpe Ratio
-1.06
Std Dev (1Y)
8.29%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.2%
3m
+1.34%
6m
+3.59%
1y
+6.4%
3y
+11.67%
5y
+9.43%
10y
+7.64%
since inception
+2.06%
TopFund's Take on HSBC Credit Risk Fund - Direct Annual IDCW
HSBC Credit Risk Fund - Direct Annual IDCW holds up reasonably well within the Credit Risk category, currently carrying a 3-star rating. It has delivered steady, if unspectacular, returns over a full market cycle. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 68/100.
Cost: At 0.84%, the expense ratio runs 24% 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 -1.06 — 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 8.29% 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 HSBC Credit Risk Fund - Direct Annual IDCW
The current NAV (Net Asset Value) of HSBC Credit Risk Fund - Direct Annual IDCW is ₹37.79. NAV is updated every business day after market close by AMFI.
1Y: 6.4% · 3Y CAGR: 11.67% · 5Y CAGR: 9.43%
The expense ratio of HSBC Credit Risk Fund - Direct Annual IDCW is 0.84% per annum. This is the annual fee charged by the fund to manage your investment.
HSBC Credit Risk Fund - Direct Annual IDCW is managed by Jalpan Shah at HSBC Mutual Fund.
HSBC Credit Risk Fund - Direct Annual IDCW is classified as a Moderate to High risk fund. It is suitable for investors with a moderate risk appetite.
HSBC Credit Risk Fund - Direct Annual IDCW is a Credit Risk fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in HSBC Credit Risk Fund - Direct Annual IDCW 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 HSBC Credit Risk Fund - Direct Annual IDCW is ₹457 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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