HDFC Credit Risk Debt Fund · Regular · Growth
NAV
₹25.8903
as of 31 Jul 2026
Expense Ratio
1.62%
AUM
₹7,327 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.73%
- 3Y
- +7.59%
- 5Y
- +6.58%
- Since Inception
- +7.97%
SIP returns (XIRR)
- 1Y
- +7.35%
- 3Y
- +7.61%
- 5Y
- +7.24%
- Since Inception
- +7.45%
Returns calculated from 06 March 2014 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,60,282 today — ₹5,95,000 invested, 7.3% XIRR.
₹5,95,000
Invested
₹8,60,282
Value today
7.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,02,937 today (7.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹11,69,088.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,59,169 today (1.59×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised1.25
Sharpe Ratio
—
Alpha
—
Beta
1.29
Sortino
1.12%
Std Dev
-0.42%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Gmr Airports Limited^4.78%
- 2Nirma Ltd.^3.91%
- 3Tata Projects Ltd.^3.26%
- 4Indus Infra Trust3.11%
- 5The Tata Power Company Ltd.^2.95%
- 6Indusind Bank Ltd.^2.88%
- 7Jubilant Beverages Limited^2.76%
- 8Aditya Birla Renewables Limited^2.74%
- 9Bamboo Hotel And Global Centre (Delhi) Private Limited^2.61%
- 10Kalpataru Projects International Ltd^2.60%
Investment Objective
HDFC Credit Risk Debt Fund · Regular · Growth by HDFC Mutual Fund is a Credit Risk fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Credit Risk category.
About This Fund
HDFC Credit Risk Debt Fund · Regular · Growth is a Credit Risk mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 24 years. It manages assets worth ₹7,327 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Credit Risk Bond Index B-II. The current expense ratio is 1.62%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations