HDFC Credit Risk Debt Fund - Growth Option
₹25.3341
₹0.02 (+0.07%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹25.3341
₹0.02 (+0.07%)
29 May 2026
AMFI: 128053
Direct · Growth
₹₹27.5132
₹0.02 (+0.08%)
29 May 2026
AMFI: 128051
Regular · IDCW
₹₹23.3284
₹0.02 (+0.07%)
29 May 2026
AMFI: 133148
Direct · IDCW
₹₹24.1182
₹0.02 (+0.08%)
29 May 2026
AMFI: 133147
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹100/month became
Real NAV backtest from day one
₹14,600
Invested
₹23,150
Value today
7.3%
XIRR (p.a.)
₹100/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹100 lumpsum at launch — value today
Invested on the fund's first NAV date
₹100
Invested
₹253
Value today
7.9%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹7,30,000
Withdrawn
₹13,75,920
Corpus left
+₹11,05,920 net gain — withdrew ₹7,30,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,55,750
Value today
1.6×
Multiple
Staying invested through that crash turned ₹1L into ₹1,55,750 — a 1.6× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹90,347
Regular plan
₹87,362
Direct earns ₹2,985 more on a ₹60K investment — 0.50% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised0.49
Sharpe Ratio
—
Alpha
—
Beta
0.49
Sortino
1.04%
Std Dev
-0.42%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Apr 2026
| Security | % NAV |
|---|---|
GMR Airports Limited^ INE776C08083 | 4.84% |
GMR Airports Limited^ INE776C08083 | 4.07% |
Tata Projects Ltd.^ INE725H08170 | 3.71% |
The Tata Power Company Ltd.^ INE295J08022 | 3.35% |
Tata Projects Ltd.^ INE725H08170 | 3.33% |
Jubilant Beverages Limited^ INE1D4O08012 | 3.07% |
The Tata Power Company Ltd.^ INE295J08022 | 3.00% |
Bamboo Hotel and Global Centre (Delhi) Private Limited^ INE755L07015 | 2.98% |
SK FINANCE LIMITED^ INE124N07754 | 2.96% |
Kalpataru Projects International Ltd^ INE220B08134 | 2.96% |
Canara Bank^ INE476A16I42 | 2.87% |
Jubilant Bevco Limited^ INE1D4P08019 | 2.86% |
Jubilant Beverages Limited^ INE1D4O08012 | 2.76% |
Bamboo Hotel and Global Centre (Delhi) Private Limited^ INE755L07015 | 2.67% |
Kalpataru Projects International Ltd^ INE220B08134 | 2.66% |
SK FINANCE LIMITED^ INE124N07754 | 2.65% |
Nirma Ltd.^ INE091A07208 | 2.60% |
JSW Energy Ltd.^ INE121E08039 | 2.59% |
Union Bank of India INE692A16LT1 | 2.59% |
Jubilant Bevco Limited^ INE1D4P08019 | 2.57% |
Siddhivinayak Securitisation Trust PTC ISD 150925 MAT 280930^ INE2I7F15012 | 2.55% |
ADITYA BIRLA RENEWABLES LIMITED^ INE01QP08016 | 2.38% |
Nirma Ltd.^ INE091A07208 | 2.33% |
JSW Energy Ltd.^ INE121E08039 | 2.32% |
JTPM Metal Traders Limited^ INE02PE08036 | 2.31% |
Evonith Value Steel Limited^ INE292A07046 | 2.31% |
Siddhivinayak Securitisation Trust (Originator - Sikka Ports & Terminals Limited)^ INE2I7F15012 | 2.30% |
Kalpataru Projects International Ltd^ INE220B08126 | 2.22% |
Kalpataru Projects International Ltd^ INE220B08100 | 2.22% |
Kogta Financial India Limited^ INE192U07368 | 2.19% |
Kosamattam Finance Limited^ INE403Q07GO9 | 2.17% |
ADITYA BIRLA RENEWABLES LIMITED^ INE01QP08016 | 2.13% |
Indus Infra Trust INE0NHL23019 | 2.09% |
JTPM Metal Traders Limited^ INE02PE08036 | 2.09% |
Kalpataru Projects International Ltd^ INE220B08100 | 2.00% |
Kalpataru Projects International Ltd^ INE220B08126 | 1.99% |
Kogta Financial India Limited^ INE192U07368 | 1.97% |
Indus Infra Trust INE0NHL23019 | 1.96% |
Kosamattam Finance Limited^ INE403Q07GO9 | 1.95% |
TVS Credit Services Ltd^ INE729N08063 | 1.57% |
Mahindra Rural Housing Finance Ltd^ INE950O07453 | 1.49% |
Godrej Industries Ltd.^ INE233A08089 | 1.48% |
Infopark Properties Limited^ INE0KZX07023 | 1.48% |
Punjab National Bank^ INE160A16UT0 | 1.44% |
TVS Credit Services Ltd^ INE729N08063 | 1.40% |
Mahindra Rural Housing Finance Ltd^ INE950O07453 | 1.34% |
RAAJMARG INFRA INVESTMENT TRUST INE2PB023011 | 1.33% |
Godrej Industries Ltd.^ INE233A08089 | 1.33% |
Infopark Properties Limited^ INE0KZX07023 | 1.33% |
RAAJMARG INFRA INVESTMENT TRUST INE2PB023011 | 1.20% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Investment Objective
HDFC Credit Risk Debt Fund - Growth Option 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 - Growth Option is a Credit Risk mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 24 years. It manages assets worth ₹6,875 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