HSBC Credit Risk Fund · Regular · Growth
NAV
₹34.3526
as of 31 Jul 2026
Expense Ratio
1.64%
AUM
₹471 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.67%
- 3Y
- +10.96%
- 5Y
- +8.64%
- Since Inception
- +7.62%
SIP returns (XIRR)
- 1Y
- +6.18%
- 3Y
- +11.52%
- 5Y
- +10.09%
- Since Inception
- +7.62%
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 ₹8,84,746 today — ₹5,95,000 invested, 7.8% XIRR.
₹5,95,000
Invested
₹8,84,746
Value today
7.8%
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 ₹1,95,525 today (6.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,70,506.
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 ₹1,61,982 today (1.62×).
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, annualised0.96
Sharpe Ratio
—
Alpha
—
Beta
11.58
Sortino
9.23%
Std Dev
-0.41%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with HSBC Credit Risk Fund - Direct IDCW
- 1Nuvoco Vistas Corporation Limited**7.85%
- 26.01% Goi 21jul20306.48%
- 3Jtpm Metal Traders**5.70%
- 4Aditya Birla Renewables Limited**5.68%
- 5Godrej Seeds & Genetics Limited**5.67%
- 6Power Grid Corporation Of India Limited**5.67%
- 7Nabard**5.51%
- 8Nirma Limited**5.50%
- 9Power Finance Corporation Limited**5.42%
- 10Jsw Kalinga Steel Ltd**4.37%
Investment Objective
HSBC Credit Risk Fund · Regular · Growth by HSBC 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
HSBC Credit Risk Fund · Regular · Growth is a Credit Risk mutual fund offered by HSBC Mutual Fund. The fund has been operational for over 16 years. It manages assets worth ₹471 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Credit Risk Bond Index. The current expense ratio is 1.64%.
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