HDFC Credit Risk Debt Fund · Regular · Growth
NAV
₹26.0711
as of 30 Sept 2026
Expense Ratio
1.62%
AUM
₹7,327 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.55%
- 3Y
- +7.55%
- 5Y
- +6.45%
- Since Inception
- +7.92%
SIP returns (XIRR)
- 1Y
- +6.63%
- 3Y
- +7.26%
- 5Y
- +7.10%
- Since Inception
- +7.37%
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 (Oct 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,56,296 today — ₹5,95,000 invested, 7.2% XIRR.
₹5,95,000
Invested
₹8,56,296
Value today
7.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,99,514 today (7.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2016 would still hold ₹11,38,844.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Oct 2016 – Sept 2026) (22 Mar 2020) would be ₹1,60,281 today (1.60×).
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, annualised0.80
Sharpe Ratio
—
Alpha
—
Beta
0.80
Sortino
1.16%
Std Dev
-0.42%
Max Drawdown
Performance Comparison
Thinking about HDFC Credit Risk Debt Fund · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
Fund Details
Available transactions
Portfolio holdings
- 1Gmr Airports Limited4.81%
- 2Nirma Ltd.^3.92%
- 3Tata Projects Ltd.^3.27%
- 4Indus Infra Trust3.26%
- 5Jubilant Beverages Limited^2.78%
- 6Aditya Birla Renewables Limited^2.75%
- 7Bamboo Hotel And Global Centre (Delhi) Private Limited^2.62%
- 8Kalpataru Projects International Ltd^2.61%
- 9Sk Finance Limited^2.61%
- 10Jubilant Bevco Limited^2.58%
What this fund does
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%.