HDFC Credit Risk Debt Fund Direct Growth

HDFC Credit Risk Debt Fund Direct Growth

Debt

HDFC Mutual Fund

Credit Risk

Get the latest NAV of HDFC Credit Risk Debt Fund Direct Growth. 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.

₹25.91

NAV as on 23 May 2025

8.89%/per year

Since Inception

Absolute Gain%

▲▼

123 people have invested ₹ 26.9L in HDFC Credit Risk Debt Fund Direct Growth in the last three months

Fund Performance

as on (23-May-25)

Period
This Fund
Credit Risk Index
1 Month
1.01%
1.68%
3 Months
3.28%
4.83%
6 Months
5.15%
7.05%
1 Year
10.04%
11.65%
3 Years
8.27%
8.84%
5 Years
8.38%
9.78%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
HDFC Credit Risk Debt Fund
6/7
7,135Cr
1.02%
10.04%
8.27%
8.89%
Nippon India Credit Risk Fund Direct Growth
1/7
1,000Cr
0.7%
10.53%
8.9%
7.57%
ICICI Prudential Credit Risk Fund Direct Growth
2/7
6,159Cr
0.76%
10.59%
8.74%
8.99%
Axis Credit Risk Fund Direct Growth
3/8
363Cr
0.8%
10.19%
8.54%
8.33%
See all

HDFC Credit Risk Debt Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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HDFC Credit Risk Debt Fund Asset Allocation

See fund asset allocation details as on (13-May-25)

Fund Distribution

as on (13-May-25)

Equity 3.9%

Debt & Cash 95.8%

Cash allocation has gone down from 6% to 5.2%
Cash allocation has gone down from 6% to 5.2%
Debt allocation has gone down from 90.9% to 90.5%
Debt allocation has gone down from 90.9% to 90.5%

HDFC Credit Risk Debt Fund Sector Allocation

See fund sector allocation details as on (13-May-25)

Sector Allocation

Equity 3.9%

Debt & Cash 95.8%

Financial Services
100%

Top 3 Sectors in April were Financial Services, Corporate & Government

Apr'25

Corporate

79%

Financial Services

64%

Real Estate

30%

Mar'25

Financial Services

100%

Corporate

79%

Government

14%

HDFC Credit Risk Debt Fund Direct Growth Overview

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

Expense ratio1.02%
Benchmark
NIFTY Credit Risk Bond TR INR
AUM₹7135 Cr
Inception Date25 March, 2014
Min Lumpsum/SIP₹100/₹100
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
28.47%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderately High risk

About HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund Direct Growth is a debt fund. This fund was started on 25 March, 2014. The fund is managed by Shobhit Mehrotra. This fund is suitable to keep your money safe.

Key Parameters

  1. HDFC Credit Risk Debt Fund Direct Growth has ₹7135 Cr worth of assets under management (AUM) as on Apr 2025 and is more than category average.
  2. The fund has an expense ratio 1.

Returns

HDFC Credit Risk Debt Fund Direct Growth has given a CAGR return of 8.89% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 10.04%, 8.27% and 8.38% respectively.

Holdings

HDFC Credit Risk Debt Fund Direct Growth has allocated its funds majorly in Corporate, Financial Services, Real Estate, Government, Utilities, Cash Equivalent. Its top holdings are Sandur Manganese And Iron Ores Limited (The), Tata Projects Limited, The Tata Power Company Limited, TATA Motors Limited, Kalpataru Power Transmission 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 HDFC Credit Risk Debt Fund Direct Growth

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 and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. HDFC Credit Risk Debt Fund Direct Growth has no lock in period.

Fund Manager

Shobhit Mehrotra

Fund Manager of HDFC Credit Risk Debt Fund Direct Growth, since 25 March 2014

Learn more about HDFC Mutual Fund
Parameters
Apr'25
Mar'25
Feb'25
AUM
₹ 8.1K Cr
₹ 7.2K Cr
₹ 7.3K Cr
  • AUM of the fund stands at 8.1K Cr as of Apr'25
  • AUM increased by 892.4 Cr between Apr'25 and Mar'25

Frequently Asked Questions for HDFC Credit Risk Debt Fund Direct Growth

What is the current NAV of HDFC Credit Risk Debt Fund Direct Growth?

The current NAV of HDFC Credit Risk Debt Fund Direct Growth is ₹25.91 as on 23-May-2025.

What are the average returns of HDFC Credit Risk Debt Fund Direct Growth?

Existing (Absolute + CAGR) as on 23-May-2025.
HDFC Credit Risk Debt Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
1.01%
1.01%
6 Month Returns
5.15%
5.15%
1 Year Returns
10.04%
10.04%
3 Years Returns
26.93%
8.27%

How do I invest in HDFC Credit Risk Debt Fund Direct Growth?

With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.

What is the expense ratio of HDFC Credit Risk Debt Fund Direct Growth?

1.02% as on April 2025

What is net assets under management (AUM) of HDFC Credit Risk Debt Fund Direct Growth?

₹7135 Cr as on April 2025

What are the top 5 holdings of HDFC Credit Risk Debt Fund Direct Growth?

Sandur Manganese And Iron Ores Limited (The)(4.13%), Tata Projects Limited(3.56%), The Tata Power Company Limited(3.28%), TATA Motors Limited(2.84%), Kalpataru Power Transmission Limited(2.84%) as on April 2025

What are the top 3 sectors that this HDFC Credit Risk Debt Fund Direct Growth has invested in?

Corporate(78.29%), Government(13.95%), Cash Equivalent(3.86%) as on April 2025

What is the yield to maturity ratio of HDFC Credit Risk Debt Fund Direct Growth?

Yield to Maturity is 8.06 as on April 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.

What is the modified duration of HDFC Credit Risk Debt Fund Direct Growth?

Modified Duration is 2.65 as on April 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.

What is the credit rating breakup of HDFC Credit Risk Debt Fund Direct Growth?

AA
61.45
AAA
30.07
A
8.48

Who is the manager of HDFC Credit Risk Debt Fund Direct Growth?

Shobhit Mehrotra is the fund manager of HDFC Credit Risk Debt Fund Direct Growth

What is the exit load of HDFC Credit Risk Debt Fund Direct Growth?

The Exit load of HDFC Credit Risk Debt Fund Direct Growth is 1%