HDFC Credit Risk Debt Fund Direct Plan Growth Option

Moderately High risk
Fixed Income
Credit Risk

NAV as on Apr 28, 2025

Price per unit of the scheme.

₹ 25.65520.03%1 Day Change

1.12%

Minimum Investment₹100

Expense Ratio0.95%

FUND RATING

A holistic measure of the rank of a fund relative to its peers. Top funds receive a score of 5.

Scheme Rating

*Morningstar Rating Methodology i

RISK-O-METER

Level of risk associated with a mutual fund to help investors make informed investment decisions

FUND PERFORMANCE

As On Jan 01, 2023

Compare fund’s performance against category average across different time periods

No Data Found.

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

For calculating Category Return & Scheme Ranking, only Growth & Direct schemes are considered.

FUND COMPARISON

1M 3M 6M 1Y 3Y 5Y

This Fund

HDFC Credit Risk Debt Fund Direct Plan Growth Option

Fixed Income: Credit Risk Average NAV

Topper in Fixed Income: Credit Risk

All Fund

No Data Found.

*For the other fund, rescaled NAVs are used

RETURN CALCULATOR

Check the return on your investment in the fund

HDFC Credit Risk Debt Fund Direct Plan Growth Option

Investment Type

Monthly Investment

Time Period (yrs)

Annual Return in %

Invested Amount
₹0
Return
₹0

Current Value
₹0

FUND SUMMARY

Benchmark

IISL NIFTY Credit Risk Bond Index TR INR

Expense Ratio

0.95%

Category Avg Expense Ratio

0.89%

Minimum Investment (Lumpsum/SIP)

₹ 100 /₹ 100

Lock In (Years)

No Lock-in

Fund Size

₹ 7,229.73 Cr(As on Mar, 2025)

Inception Date

Mar 25, 2014

Turnover

- %

Exit Load

In respect of each purchase/switch in of Units, 15% of the units (the limit) may be redeemed without any exit Load from the date of allotment. However, please note that the Units will be redeemed on First In First Out (FIFO) basis. Any redemption in excess of the above limit shall be subject to the following exit load. In respect of each purchase/switch in of Units, an Exit Load of 1% is payable if Units are redeemed/switched out within 12 months from the date of allotment. In respect of each purchase/switch in of Units, an Exit Load of 0.50% is payable if Units are redeemed/switched out after 12 months but within 18 months from the date of allotment. No Exit Load is payable if Units are redeemed/ switched out after 18 months from the date of allotment.

ABOUT THE FUND

Objective: To generate income/capital appreciation by investing predominantly in AA and below rated corporate debt. There is no assurance that the investment objective of the Scheme will be realized.

HDFC Credit Risk Debt Fund Direct Plan Growth Option is an Fixed Income - Credit Risk fund. The fund was launched inMar 25, 2014. Its risk level is . The NAV of the fund as onApr 28, 2025 is ₹25.66. Its expense ratio is 0.95 %. The fund has an AUM of ₹7,229.73 Cr.The fund is managed byShobhit Mehrotra,Priya Ranjan,Dhruv Muchhal.
The minimum initial investment is ₹100 in Lumpsum mode.

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FUND MANAGER

Shobhit Mehrotra

Lead Fund Manager.

Mar 25, 2014 - Present

Fund Manager Rank7Out of 14
i
Rank measured on the basis of consistent alpha the fund manager delivered in the same category over a period of three years (factors only Direct plan, Growth option)
Schemes managed10
Total AUM₹ 43,287.02 Cr
Highest Return In 1 Yr13.28 %

Other Funds

table
card

Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size

HDFC Retirement Savings Fund - Equity Plan - Direct Plan

₹ 55.09

3.58%

Very High Risk

₹5,983.38Cr

HDFC Income Fund -Direct Plan - Growth Option

₹ 64.35

1.78%

2.06%

Moderate Risk

₹884.76Cr

HDFC Medium Term Debt Fund Direct Plan Growth Option

₹ 60.56

1.49%

0.94%

Moderately High risk

₹3,860.84Cr

HDFC Retirement Savings Fund - Equity Plan - Direct Plan

Very High Risk--

NAV₹ 55.09
Fund Size₹5,983.38Cr

Fund Return3.58%

Category Return--

HDFC Income Fund -Direct Plan - Growth Option

Moderate Risk

NAV₹ 64.35
Fund Size₹884.76Cr

Fund Return1.78%

Category Return2.06%

HDFC Medium Term Debt Fund Direct Plan Growth Option

Moderately High risk

NAV₹ 60.56
Fund Size₹3,860.84Cr

Fund Return1.49%

Category Return0.94%

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

Priya Ranjan

Lead Fund Manager.

May 1, 2022 - Present

Schemes managed39
Total AUM₹ 6,27,306.95 Cr
Highest Return In 1 Yr17.79 %

Other Funds

table
card

Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size

HDFC Retirement Savings Fund - Equity Plan - Direct Plan

₹ 55.09

3.58%

Very High Risk

₹5,983.38Cr

HDFC Income Fund -Direct Plan - Growth Option

₹ 64.35

1.78%

2.06%

Moderate Risk

₹884.76Cr

HDFC Dynamic Debt Plan - Direct Plan - Growth Option

₹ 99.00

1.71%

2.10%

Moderate Risk

₹778.49Cr

HDFC Retirement Savings Fund - Equity Plan - Direct Plan

Very High Risk--

NAV₹ 55.09
Fund Size₹5,983.38Cr

Fund Return3.58%

Category Return--

HDFC Income Fund -Direct Plan - Growth Option

Moderate Risk

NAV₹ 64.35
Fund Size₹884.76Cr

Fund Return1.78%

Category Return2.06%

HDFC Dynamic Debt Plan - Direct Plan - Growth Option

Moderate Risk

NAV₹ 99.00
Fund Size₹778.49Cr

Fund Return1.71%

Category Return2.10%

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

Dhruv Muchhal

Lead Fund Manager.

Jun 22, 2023 - Present

Schemes managed41
Total AUM₹ 6,80,586.81 Cr
Highest Return In 1 Yr17.79 %

Other Funds

table
card

Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size

HDFC Defence Fund Direct Growth

₹ 21.29

5.57%

Very High Risk

₹3,880.46Cr

HDFC Balanced Advantage Fund Direct Plan Growth Option

₹ 542.81

2.62%

0.88%

Very High Risk

₹94,824.34Cr

HDFC Credit Risk Debt Fund Direct Plan Growth Option

₹ 25.66

1.12%

0.87%

Moderately High risk

₹7,229.73Cr

HDFC Defence Fund Direct Growth

Very High Risk--

NAV₹ 21.29
Fund Size₹3,880.46Cr

Fund Return5.57%

Category Return--

HDFC Balanced Advantage Fund Direct Plan Growth Option

Very High Risk

NAV₹ 542.81
Fund Size₹94,824.34Cr

Fund Return2.62%

Category Return0.88%

HDFC Credit Risk Debt Fund Direct Plan Growth Option

Moderately High risk

NAV₹ 25.66
Fund Size₹7,229.73Cr

Fund Return1.12%

Category Return0.87%

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

DETAILED PORTFOLIO

As on Apr, 2025

EQUITY (1.75%)

DEBT (68.63%)

CASH (29.35%)

Allocation by Market Cap

Other Cap(0.27%)

Industry Holdings

Asset Management100.00%

Stock Holdings

Indus Infra Trust Unit1.50%
POWERGRID Infrastructure Investment Trust Units0.26%
Capital Infra Trust InvITs-%

PERFORMANCE MEASURES

Fund evaluation across critical parameters for better decision making. Study period is 3 years.

Consistency
i
It represents the consistency of a fund in beating its benchmark.
Downside Risk
i
Measured by Maximum Drawdown which shows the maximum loss from a peak to a nadir over a specified time period
Risk Adjusted Return
i
Risk adjusted return represents the return generated after factoring the risk taken to achieve it.
Volatility
i
Volatility represents the standard deviation of fund returns that is, how much the fund returns have deviated from the average.
Upside Capture Ratio
i
Fund performance relative to the index when the market is up. An upside capture ratio of >100 indicates better fund performance.
Downside Capture Ratio
i
Fund performance relative to the index when the market is down. A downside capture ratio of <100 indicates better fund performance.

HISTORICAL RISK MEASURES

Statistical measures to evaluate mutual fund risk. All ratios are calculated for a three-year time duration.

Alpha: Excess return of the fund over benchmark
i
Any Alpha above zero is considered good. However, for comparison, a fund with a higher Alpha is considered better. Alpha is normally used in conjunction with Beta. If the Beta is high, it implies that the fund manager took a high risk to generate Alpha.
0.47
This Fund
VS
0.83
Category Avg
R-Squared: How well the fund tracks benchmark
i
R-Squared measures the correlation of fund returns and its benchmark returns. It varies between 0 and 1. The metric, Beta makes no sense if R-Squared is equal to zero. Thus, both Beta and R-Squared should be used in conjunction. A fund with a high R-Squared and low Beta is considered a less risky fund.
85.26
This Fund
VS
46.17
Category Avg

Beta: Risk of the fund in relation to benchmark
i
Beta >1 indicates that the fund is more volatile than its benchmark while Beta < 1 indicates that the fund is less volatile than its benchmark. The Beta of the benchmark is equal to 1.
0.96
This Fund
VS
0.91
Category Avg
Sharpe Ratio: Risk adjusted return of the fund
i
Sharpe Ratio is a measure of return per unit of risk. A higher Sharpe ratio indicates better risk adjusted return given by the fund.
0.48
This Fund
VS
0.20
Category Avg

Sortino Ratio: Return per unit of bad risk
i
A variation of Sharpe ratio, Sortino considers only the downside risk. Unlike Sharpe ratio which considers both good risk and bad risk, Sortino factors only the bad risk. A high Sortino ratio indicates better return for each unit of downside risk.
0.68
This Fund
VS
1.14
Category Avg
Standard Devation: Volatility of the fund
i
Standard deviation is a measure of dispersion of fund returns from its average return. A fund with a higher Standard deviation is more volatile than a fund with a low standard deviation.
1.19
This Fund
VS
2.23
Category Avg

Benchmark used in calculation : S&P BSE 500 India TR INR

PEER ANALYSIS

card
table

Fund NameMorningstar RatingNAV Fund Return Category ReturnRisk Fund Size

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

TOP FUNDS FROM THIS AMC

card
table

Fund NameMorningstar RatingNAV Fund Return Category Return Risk Fund Size (Cr)

Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

ABOUT THE AMC

HDFC Asset Management Co Ltd

HDFC Asset Management Co Ltd manages assets worth ₹ 7,71,687.84 crores. It’s current offering of mutual fund schemes includes 39 equity, 33 debt and 11 hybrid schemes.

Phone

+91 22 66316333

cliser@hdfcfund.com

AUM

₹ 7,71,687.84 Cr (

As on Mar 31, 2025

)

Address

“HUL House”, 2nd Floor, Mumbai,400 020

FAQ's

What is the category of HDFC Credit Risk Debt Fund Direct Plan Growth Option ?

The category of HDFC Credit Risk Debt Fund Direct Plan Growth Option is Fixed Income - Credit Risk

What is the current NAV of HDFC Credit Risk Debt Fund Direct Plan Growth Option ?

The current NAV of HDFC Credit Risk Debt Fund Direct Plan Growth Option as on Apr 28, 2025 is ₹25.66

How safe is HDFC Credit Risk Debt Fund Direct Plan Growth Option ?

The risk level of HDFC Credit Risk Debt Fund Direct Plan Growth Option is Moderately High.

What are short term returns given by HDFC Credit Risk Debt Fund Direct Plan Growth Option ?

The return given by HDFC Credit Risk Debt Fund Direct Plan Growth Option in 1 month is 1.12%, 3 months is 2.74%, 6 months is 4.48%, and 1 year is 9.50%

What are the long term returns given by HDFC Credit Risk Debt Fund Direct Plan Growth Option ?

The return given by HDFC Credit Risk Debt Fund Direct Plan Growth Option in 3 years is 7.62% and 5 years is 8.50%.

What is the expense ratio of HDFC Credit Risk Debt Fund Direct Plan Growth Option ?

The expense ratio of HDFC Credit Risk Debt Fund Direct Plan Growth Option is 0.95%

What is the AUM of HDFC Credit Risk Debt Fund Direct Plan Growth Option ?

The assets under Management (AUM) of HDFC Credit Risk Debt Fund Direct Plan Growth Option is Rs 7,229.73 crores.

What is the minimum investment in HDFC Credit Risk Debt Fund Direct Plan Growth Option ?

The minimum Lumpsum investment in HDFC Credit Risk Debt Fund Direct Plan Growth Option is ₹100.00 and the minimum SIP investment in HDFC Credit Risk Debt Fund Direct Plan Growth Option is ₹100.00

What is the asset allocation of HDFC Credit Risk Debt Fund Direct Plan Growth Option?

HDFC Credit Risk Debt Fund Direct Plan Growth Option has an exposure of 1.75% in Equity, 68.63% in Debt and 29.35% in Cash & Money Market Securities