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HSBC Credit Risk Fund - Direct Growth
★★★★★ monitor_heart Health Score: 67/100 · GoodHSBC Mutual Fund · Debt · Credit Risk Fund
₹37.43
AUM: ₹470 Cr
NAV updated about 1 month ago
Plan
Direct
Option
Growth
Risk
Moderate to High
Expense Ratio
0.96%
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
-0.06
Std Dev (1Y)
0.83%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+1.1%
3m
+1.79%
6m
+3.16%
1y
+6.13%
3y
+11.76%
5y
+9.42%
10y
+7.83%
since inception
+11.1%
rate_review TopFund's Take on HSBC Credit Risk Fund - Direct Growth
HSBC Credit Risk Fund - Direct Growth holds up reasonably well within the Credit Risk Fund 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 67/100.
Cost: At 0.96%, the expense ratio runs 37% above the Credit Risk Fund category average of 0.7%. 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 -0.06 — 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 0.83% is on the lower side, 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.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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tips_and_updates Tools & Guides for This Fund
Frequently Asked Questions about HSBC Credit Risk Fund - Direct Growth
The current NAV (Net Asset Value) of HSBC Credit Risk Fund - Direct Growth is ₹37.43. NAV is updated every business day after market close by AMFI.
1Y: 6.13% · 3Y CAGR: 11.76% · 5Y CAGR: 9.42%
The expense ratio is 0.96% per annum — the annual fee deducted from your investment to cover fund management costs.
HSBC Credit Risk Fund - Direct Growth is managed by Jalpan Shah at HSBC Mutual Fund.
HSBC Credit Risk Fund - Direct Growth is a Moderate to High risk fund. Suitable for investors with a moderate risk appetite.
HSBC Credit Risk Fund - Direct Growth is a Credit Risk Fund fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of HSBC Credit Risk Fund - Direct Growth is ₹471 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.