HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl

HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl

Debt

HSBC Mutual Fund

Credit Risk

Get the latest NAV of HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹12.42

NAV as on 12 Sep 2025

5.04%/per year

Since Inception

Absolute Gain%

▲▼

HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl Performance vs. Credit Risk Index

Fund returns vs Benchmark returns vs Category Average returns as on (12-Sep-25)

The fund has outperformed the benchmark (Credit Risk Index) over 1Y, 3Y, but underperformed over 5Y.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
-0.09%
-0.46%
13.74%
17.83%
10.16%
8.47%
Credit Risk Index
0.56%
1.34%
4.96%
9.44%
7.48%
10.84%
Credit Risk Avg
0.49%
1.31%
5.3%
10.52%
8.61%
9.44%
Best in Credit Risk
0.74%
2.23%
17.28%
22.84%
15.51%
26.25%
Worst in Credit Risk
0.4%
1.1%
3.55%
6.45%
6.06%
6.59%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl
-
584Cr
0.96%
17.83%
10.16%
2.94
0.53
0.51
3.31
0.40
Bandhan Credit Risk Fund Periodic Payout of Income Distribution cum Capital Wdrl Opt Direct Growth
-
290Cr
0.69%
7.23%
-
--
--
--
--
--
HDFC Credit Risk Debt Fund Normal Reinvestment Inc Dist cum Cap Wdrl Opt Direct Growth
-
7,286Cr
1%
8.49%
6.93%
0.54
--
--
0.73
1.41
Bandhan Credit Risk Fund Half Yearly Reinvestment of Income Distribution cum Capital Wdrl Opt Direct Growth
-
290Cr
0.69%
4.68%
4.51%
-3.81
--
--
-0.42
-1.56
See all

HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl Returns Calculator

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HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl Asset Allocation

See fund asset allocation details as on (14-Aug-25)

Fund Distribution

as on (14-Aug-25)

AA
75.2%
AAA
24.8%
Cash allocation has gone up from 13.2% to 15%
Cash allocation has gone up from 13.2% to 15%
Debt allocation has gone down from 86.6% to 84.8%
Debt allocation has gone down from 86.6% to 84.8%

HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl Sector Allocation

See fund sector allocation details as on (14-Aug-25)

Sector Allocation

Corporate
66.6%
Government
25.2%
Cash Equivalent
8.1%

Top 2 Sectors in July were Corporate, Government

Jul'25

Corporate

67%

Government

15%

Jun'25

Corporate

69%

Government

15%

HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.96%
Benchmark
Nifty Credit Risk Bond B-II TR INR
AUM₹584 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹1000
Exit Load
3.0%
Lock InNo Lock-in
TurnOver
88.88%
Risk
Risk meter
pointer
Moderately High risk

About HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl

HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Shriram Ramanathan. This fund is suitable to keep your money safe.

Key Parameters

  1. HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl has ₹584 Cr worth of assets under management (AUM) as on Aug 2025 and is more than category average.
  2. The fund has an expense ratio 1.

Returns

HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl has given a CAGR return of 5.04% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 17.83%, 10.16% and 8.47% respectively.

Holdings

HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are Tata Housing Development Company Limited, Aditya Birla Renewables Limited, Nirma Limited, Rec Limited, JSW Steel Limited

Taxation

As it is a credit risk mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl

To generate regular returns and capital appreciation by investing predominantly in AA and below rated corporate bonds, debt, government securities and money market instruments.There is no assurance that the investment objective of the scheme will be realized.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 1000.00. HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl has no lock in period.

Fund Manager

Shriram Ramanathan

Fund Manager of HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl, since 24 November 2012

Learn more about HSBC Mutual Fund
Parameters
Jul'25
Jun'25
May'25
AUM
₹ 647.9 Cr
₹ 651 Cr
₹ 657.5 Cr
  • AUM of the fund stands at 647.9 Cr as of Jul'25
  • AUM decreased by 3.1 Cr between Jul'25 and Jun'25

Frequently Asked Questions for HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl

How do I invest in HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl?

INDmoney makes it simple to invest in the HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl?

The NAV of the fund today is ₹12.42. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl fund has generated a return of 17.83% in 1 year, 10.16% in 3 years, 8.47% in 5 years.

Who is the fund manager of HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl?

The fund managers are Shriram Ramanathan.

What is the exit load of the fund?

The exit load is 3% if redeemed in 0-1 Years, 2% if redeemed in 1-2 Years. Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.96%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹584 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrl?

The top 3 holdings of the fund are Tata Housing Development Company Limited(6.34%), Aditya Birla Renewables Limited(4.69%), Nirma Limited(4.52%)