HSBC Credit Risk Fund

HSBC Credit Risk Fund

Debt

HSBC Mutual Fund

Credit Risk

Get the latest NAV of HSBC Credit Risk Fund. 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.

₹36.50

NAV as on 17 Mar 2026

9.84%/per year

Since Inception

Absolute Gain%

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191 people have invested ₹ 41.4L in HSBC Credit Risk Fund in the last three months

HSBC Credit Risk Fund Performance vs. Credit Risk Index

Fund returns vs Benchmark returns vs Category Average returns as on (17-Mar-26)

The fund has consistently outperformed the benchmark (Credit Risk Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.3%
1.33%
2.93%
20.74%
11.87%
9.47%
Credit Risk Index
0.12%
1.67%
3.16%
8.37%
7.82%
9.07%
Credit Risk Avg
0.15%
1.68%
3.28%
9.02%
8.96%
9.5%
Best in Credit Risk
1.02%
6.15%
8.14%
20.7%
15.17%
27.55%
Worst in Credit Risk
-0.05%
0.38%
1.79%
6.54%
7.34%
6.51%
Category Rank
6/7
5/7
6/7
7/7
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HSBC Credit Risk Fund Ranking and Peer Comparison

Ranked based on performance, risk management and cost efficiency

6
/7
27% Performance
52% Risk Management
28% Cost

Ranked 6 out of 7 mutual funds in the credit risk category as per INDmoney.

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
6/7
481Cr
0.96%
20.74%
11.87%
-2.01
4.23
0.76
16.04
0.55
Nippon India Credit Risk Fund
1/7
1,059Cr
0.7%
9.57%
9.25%
0.90
0.97
3.20
17.68
2.92
ICICI Prudential Credit Risk Fund
2/7
5,946Cr
0.76%
9.51%
9.08%
1.00
0.86
2.66
10.02
1.22
SBI Credit Risk Fund
3/7
2,166Cr
0.89%
8.38%
8.8%
0.24
1.13
1.75
8.13
0.55
See all

HSBC Credit Risk Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
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HSBC Credit Risk Fund Asset Allocation

See fund asset allocation details as on (14-Mar-26)

Fund Distribution

as on (14-Mar-26)

AA
57.5%
AAA
42.5%
Cash allocation has gone up from 24.1% to 24.8%
Cash allocation has gone up from 24.1% to 24.8%
Debt allocation has gone down from 75.9% to 75.2%
Debt allocation has gone down from 75.9% to 75.2%

HSBC Credit Risk Fund Sector Allocation

See fund sector allocation details as on (14-Mar-26)

Sector Allocation

Corporate
76.5%
Government
18.6%
Cash Equivalent
4.9%

Top 2 Sectors in February were Corporate, Government

Feb'26

Corporate

60%

Government

20%

Jan'26

Corporate

60%

Government

20%

HSBC Credit Risk Fund 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₹481 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5,000/₹1,000
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
88.88%
Risk
Risk meter
pointer
Moderately High risk

About HSBC Credit Risk Fund

HSBC Credit Risk Fund 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 has ₹481 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
  2. The fund has an expense ratio 1.

Returns

HSBC Credit Risk Fund has given a CAGR return of 9.84% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 20.74%, 11.87% and 9.47% respectively.

Holdings

HSBC Credit Risk Fund has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are Power Grid Corporation Of India Limited, Aditya Birla Renewables Limited, Jtpm Metal TRaders Limited, Rec Limited, Nirma 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

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 has no lock in period.

Fund Manager

Shriram Ramanathan

Fund Manager of HSBC Credit Risk Fund, since 24 November 2012

Learn more about HSBC Mutual Fund
Parameters
Feb'26
Jan'26
Dec'25
AUM
₹ 481.3 Cr
₹ 511.4 Cr
₹ 523.5 Cr
  • AUM of the fund stands at 481.3 Cr as of Feb'26
  • AUM decreased by 30.1 Cr between Feb'26 and Jan'26

Frequently Asked Questions for HSBC Credit Risk Fund

How do I invest in HSBC Credit Risk Fund?

INDmoney makes it simple to invest in the HSBC Credit Risk Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘HSBC Credit Risk Fund’.
  • 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?

The NAV of the fund today is ₹36.50. 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 fund has generated a return of 20.74% in 1 year, 11.87% in 3 years, 9.47% in 5 years.

Who is the fund manager of HSBC Credit Risk Fund?

The fund managers are Shriram Ramanathan.

What is the exit load of the fund?

The exit load is 1% if redeemed in 0-1 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 ₹481 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?

The top 3 holdings of the fund are Power Grid Corporation Of India Limited(5.43%), Aditya Birla Renewables Limited(5.42%), Jtpm Metal TRaders Limited(5.41%)