HDFC Credit Risk Debt Fund Direct Option Normal Reinvestment Inc Dist cum Cap Wdrl Opt

HDFC Credit Risk Debt Fund Direct Option Normal Reinvestment Inc Dist cum Cap Wdrl Opt is a debt fund. This fund was started on 20 November, 2014. The fund is managed by Shobhit Mehrotra. This fund is suitable to keep your money safe.

1. HDFC Credit Risk Debt Fund Direct Option Normal Reinvestment Inc Dist cum Cap Wdrl Opt has ₹8122 Cr worth of assets under management (AUM) as on Mar 2025 and is more than category average.
2. The fund has an expense ratio 1.
   

HDFC Credit Risk Debt Fund Direct Option Normal Reinvestment Inc Dist cum Cap Wdrl Opt has given a CAGR return of 8.43% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.36%, 8.10% and 8.38% respectively.

HDFC Credit Risk Debt Fund Direct Option Normal Reinvestment Inc Dist cum Cap Wdrl Opt has allocated its funds majorly in Financial Services, Corporate, Cash Equivalent, Government, Securitize. Its top holdings are Power Finance Corporation Limited, Tata Projects Limited, The Tata Power Company Limited, Embassy Office Parks Reit, 7.1% Govt Stock 2029

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.

To generate income/capital appreciation by investing predominantly in AA and below rated corporate debt. There is no assurance that the investment objective of the Scheme will be realized.

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 0.00. HDFC Credit Risk Debt Fund Direct Option Normal Reinvestment Inc Dist cum Cap Wdrl Opt has no lock in period.