Dezerv

Fund Overview

Fund Size

Fund Size

₹7,987 Cr

Expense Ratio

Expense Ratio

0.91%

ISIN

ISIN

INF179KA1FZ3

Minimum SIP

Minimum SIP

₹100

Exit Load

Exit Load

1.00%

Inception Date

Inception Date

25 Mar 2014

About this fund

HDFC Credit Risk Debt Fund Direct Growth is a Credit Risk mutual fund schemes offered by HDFC Mutual Fund. This fund has been in existence for 10 years, 1 months and 27 days, having been launched on 25-Mar-14.
As of 21-May-24, it has a Net Asset Value (NAV) of ₹23.55, Assets Under Management (AUM) of 7987.13 Crores, and an expense ratio of 0.91%.
  • HDFC Credit Risk Debt Fund Direct Growth has given a CAGR return of 8.79% since inception.
  • The fund's asset allocation comprises around 1.76% in equities, 90.92% in debts, and 6.25% in cash & cash equivalents.
  • You can start investing in HDFC Credit Risk Debt Fund Direct Growth with a SIP of ₹100 or a Lumpsum investment of ₹100.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+7.36%

+6.31% (Cat Avg.)

3 Years

+6.41%

+8.88% (Cat Avg.)

5 Years

+7.99%

+4.90% (Cat Avg.)

10 Years

+8.71%

+6.04% (Cat Avg.)

Since Inception

+8.79%

(Cat Avg.)

Portfolio Summaryas of 30th April 2024

Equity140.48 Cr1.76%
Debt7,261.83 Cr90.92%
Others520.79 Cr6.52%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
Power Finance Corporation LimitedBond - Corporate Bond293.8 Cr3.68%
Tata Projects LimitedBond - Corporate Bond250.41 Cr3.14%
The Tata Power Company LimitedBond - Corporate Bond230.7 Cr2.89%
Net Current AssetsCash216.03 Cr2.70%
Embassy Office Parks ReitBond - Asset Backed207.8 Cr2.60%
Resco Global Wind Services Private LimitedBond - Corporate Bond200.41 Cr2.51%
TATA Motors LimitedBond - Corporate Bond200.33 Cr2.51%
Ongc Petro Additions LimitedBond - Corporate Bond200.21 Cr2.51%
TVS Credit Services LimitedBond - Corporate Bond198.8 Cr2.49%
TATA Motors LimitedBond - Corporate Bond190.14 Cr2.38%
Kalpataru Power Transmission LimitedBond - Corporate Bond177.99 Cr2.23%
Treps - Tri-Party RepoCash - Repurchase Agreement176 Cr2.20%
Ongc Petro Additions LimitedBond - Corporate Bond170.27 Cr2.13%
Jamnagar Utilities & Power Private LimitedBond - Corporate Bond169.31 Cr2.12%
7.1% Govt Stock 2029Bond - Gov't/Treasury160.04 Cr2.00%
Hero Housing Finance LimitedBond - Corporate Bond149.98 Cr1.88%
Dlf Home Developers LimitedBond - Corporate Bond149.78 Cr1.88%
Vastu Finserv India Private LimitedBond - Corporate Bond149.41 Cr1.87%
Godrej Industries LimitedBond - Corporate Bond149.31 Cr1.87%
Indostar Capital Finance LimitedBond - Corporate Bond149.12 Cr1.87%
Kalpataru Projects International Ltd.Bond - Corporate Bond148.88 Cr1.86%
Indostar Capital Finance LimitedBond - Corporate Bond148.81 Cr1.86%
Bharat Highways InvIT UnitEquity130.01 Cr1.63%
Nirma LimitedBond - Corporate Bond125.33 Cr1.57%
Kogta Financial (India) LimitedBond - Corporate Bond124.21 Cr1.56%
JM Financial Products LimitedBond - Corporate Bond123.68 Cr1.55%
Godrej Industries LimitedBond - Corporate Bond123.68 Cr1.55%
6.54% Govt Stock 2032Bond - Gov't/Treasury115.97 Cr1.45%
Mahindra Rural Housing Finance LimitedBond - Corporate Bond100.13 Cr1.25%
Fullerton India Home Finance Company LimitedBond - Corporate Bond100.1 Cr1.25%
8% Govt Stock 2034Bond - Gov't/Treasury99.97 Cr1.25%
Godrej Industries LimitedBond - Corporate Bond99.86 Cr1.25%
Ess KAy Auto Finance Private LimitedBond - Corporate Bond99.75 Cr1.25%
Smfg India Home Finance Company LimitedBond - Corporate Bond99.7 Cr1.25%
7.3% Govt Stock 2053Bond - Gov't/Treasury81.28 Cr1.02%
AShoka Concessions LimitedBond - Corporate Bond79.87 Cr1.00%
Avanse Financial Services LimitedBond - Corporate Bond75.05 Cr0.94%
Tata Projects LimitedBond - Corporate Bond74.63 Cr0.93%
Nuvoco Vistas Corporation LimitedBond - Corporate Bond74.35 Cr0.93%
Sikka Ports & Terminals LimitedBond - Corporate Bond73.55 Cr0.92%
Mahindra Rural Housing Finance LimitedBond - Corporate Bond69.71 Cr0.87%
Nirma LimitedBond - Corporate Bond65.12 Cr0.82%
Ongc Petro Additions LimitedBond - Convertible64.96 Cr0.81%
7.26% Govt Stock 2033Bond - Gov't/Treasury55.51 Cr0.70%
Steel Authority Of India LimitedBond - Corporate Bond55.15 Cr0.69%
7.1% Govt Stock 2034Bond - Gov't/Treasury52.54 Cr0.66%
VAJRA 004 TRUSTBond - Asset Backed51.8 Cr0.65%
7.18% Govt Stock 2037Bond - Gov't/Treasury50.24 Cr0.63%
LIC Housing Finance LimitedBond - Corporate Bond50.13 Cr0.63%
Power Finance Corporation Ltd.Bond - Corporate Bond50.12 Cr0.63%
Power Finance Corp Ltd.Bond - Corporate Bond50.05 Cr0.63%
Indian Railway Finance Corporation LimitedBond - Corporate Bond49.97 Cr0.63%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond49.85 Cr0.62%
Indostar Capital Finance LimitedBond - Corporate Bond49.68 Cr0.62%
India Grid TRustBond - Corporate Bond49.58 Cr0.62%
L&T Metro Rail (Hyderabad) LimitedBond - Corporate Bond49.27 Cr0.62%
India Grid TRustBond - Corporate Bond48.65 Cr0.61%
Tata Capital Housing Finance LimitedBond - Corporate Bond48.53 Cr0.61%
LIC Housing Finance LtdBond - Corporate Bond47.87 Cr0.60%
Mahindra Rural Housing Finance LimitedBond - Corporate Bond41.13 Cr0.51%
7.25% Govt Stock 2063Bond - Gov't/Treasury40.34 Cr0.51%
LIC Housing Finance LtdBond - Corporate Bond37.59 Cr0.47%
Andhra Pradesh (Government of) 7.64%Bond - Sub-sovereign Government Debt37.56 Cr0.47%
TVS Credit Services LimitedBond - Corporate Bond35.27 Cr0.44%
Tata Projects LimitedBond - Corporate Bond30 Cr0.38%
Tmf Holdings LimitedBond - Corporate Bond28.49 Cr0.36%
8.34% Govt Stock 2033Bond - Gov't/Treasury25.46 Cr0.32%
Chhattisgarh (Government of) 7.67%Bond - Sub-sovereign Government Debt25.36 Cr0.32%
Ntpc LimitedBond - Corporate Bond25.23 Cr0.32%
7.26% Govt Stock 2032Bond - Gov't/Treasury25.22 Cr0.32%
Ntpc LimitedBond - Corporate Bond25.21 Cr0.32%
JM Financial Products LimitedBond - Corporate Bond25.03 Cr0.31%
Ongc Petro Additions LimitedBond - Corporate Bond25.03 Cr0.31%
Arka Fincap LimitedBond - Corporate Bond25.01 Cr0.31%
Gera Developments Private LimitedBond - Corporate Bond24.98 Cr0.31%
JM Financial Asset Reconstruction Company LimitedBond - Corporate Bond24.97 Cr0.31%
Indian Railway Finance Corp Ltd.Bond - Gov't Agency Debt24.96 Cr0.31%
Gera Developments Private LimitedBond - Corporate Bond24.91 Cr0.31%
Rural Electrification Corporation LimitedBond - Corporate Bond24.9 Cr0.31%
Gera Developments Private LimitedBond - Corporate Bond24.89 Cr0.31%
Gera Developments Private LimitedBond - Corporate Bond24.82 Cr0.31%
Gera Developments Private LimitedBond - Corporate Bond24.75 Cr0.31%
Gera Developments Private LimitedBond - Corporate Bond24.69 Cr0.31%
JM Financial Asset Reconstruction Company LimitedBond - Corporate Bond24.65 Cr0.31%
Gera Developments Private LimitedBond - Corporate Bond24.63 Cr0.31%
Gera Developments Private LimitedBond - Corporate Bond24.59 Cr0.31%
Gera Developments Private LimitedBond - Corporate Bond24.58 Cr0.31%
Gera Developments Private LimitedBond - Corporate Bond24.53 Cr0.31%
06.18 GJ Sdl 2026Bond - Gov't/Treasury24.52 Cr0.31%
Corporate Debt Market Development FundMutual Fund - Open End21.76 Cr0.27%
POWERGRID Infrastructure Investment Trust UnitsEquity20.88 Cr0.26%
Power Finance Corporation Ltd.Bond - Corporate Bond20.34 Cr0.25%
Power Finance Corporation Ltd.Bond - Corporate Bond20.29 Cr0.25%
Power Finance Corporation Ltd.Bond - Corporate Bond20.26 Cr0.25%
Power Finance Corporation Ltd.Bond - Corporate Bond20.19 Cr0.25%
JM Financial Asset Reconstruction Company LimitedBond - Corporate Bond19.58 Cr0.25%
India Grid TRustBond - Corporate Bond19.5 Cr0.24%
VAJRA 006 TRUSTBond - Asset Backed15.01 Cr0.19%
JM Financial Asset Reconstruction Company LimitedBond - Corporate Bond14.85 Cr0.19%
Rajasthan (Government of ) 7.66%Bond - Sub-sovereign Government Debt14.08 Cr0.18%
Rec LimitedBond - Corporate Bond10.5 Cr0.13%
Rec LimitedBond - Corporate Bond10.14 Cr0.13%
7.23% Govt Stock 2039Bond - Gov't/Treasury10.1 Cr0.13%
Ntpc LimitedBond - Corporate Bond10.1 Cr0.13%
07.02 GJ Sdl 2026Bond - Gov't/Treasury9.94 Cr0.12%
Tamil Nadu (Government of) 7.6%Bond - Sub-sovereign Government Debt5.05 Cr0.06%
7.17% Govt Stock 2030Bond - Gov't/Treasury3.28 Cr0.04%
Reliance Industries LimitedBond - Corporate Bond0.6 Cr0.01%

Allocation By Credit Quality (Debt)

AAA

AA

A

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services130.01 Cr1.63%

Risk & Performance Ratios

Standard Deviation

This fund

1.19%

Cat. avg.

8.06%

Lower the better

Sharpe Ratio

This fund

0.84

Cat. avg.

0.24

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

7.23

Higher the better

Fund Managers

Shobhit Mehrotra

Shobhit Mehrotra

Since March 2014

DM

Dhruv Muchhal

Since June 2023

Additional Scheme Detailsas of 30th April 2024

ISININF179KA1FZ3Expense Ratio0.91%Exit Load1.00%Fund Size₹7,987 CrAge25 Mar 2014Lumpsum Minimum₹100Fund StatusOpen Ended Investment CompanyBenchmarkNIFTY Credit Risk Bond TR INR

Investment ObjectiveInvestment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Withdrawal within 1 year

Flat 15% tax on realised gains (STCG - short term capital gains)

Withdrawal after 1 year

10% tax on realised gains above Rs. 1 lakh per financial year (LTCG - long term capital gains)

Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Credit Risk Funds

Fund nameExpense RatioExit LoadFund size
1Y
Bandhan Credit Risk Fund Regular Growth

Moderately High risk

1.7%1.0%₹350.99 Cr6.1%
Bandhan Credit Risk Fund Direct Growth

Moderately High risk

0.7%1.0%₹350.99 Cr7.1%
Aditya BSL Credit Risk Fund Regular Growth

Moderately High risk

1.6%3.0%₹928.77 Cr6.8%
Aditya BSL Credit Risk Fund Direct Growth

Moderately High risk

0.7%3.0%₹928.77 Cr7.8%
Baroda BNP Paribas Credit Risk Fund Regular Growth

Moderately High risk

1.6%1.0%₹151.80 Cr7.3%
Baroda BNP Paribas Credit Risk Fund Direct Growth

Moderately High risk

0.8%1.0%₹151.80 Cr8.2%
UTI Credit Risk Fund Regular Growth

Moderately High risk

1.6%1.0%₹391.03 Cr6.5%
Nippon India Credit Risk Fund Regular Growth

High Risk

1.4%1.0%₹1028.05 Cr7.6%
SBI Credit Risk Fund Regular Growth

High Risk

1.6%3.0%₹2477.06 Cr6.8%
DSP Credit Risk Fund Regular Growth

Moderately High risk

1.2%1.0%₹193.80 Cr15.3%

About the AMC

Total AUM

₹5,87,828 Cr

Address

“HUL House”, 2nd Floor, Mumbai, 400 020

Other Funds by HDFC Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
HDFC Pharma and Healthcare Fund Direct Growth

Very High Risk

1.1%1.0%₹830.67 Cr-
HDFC Technology Fund Direct Growth

Very High Risk

1.0%1.0%₹968.74 Cr-
HDFC Fixed Maturity Plan 1162 Days March 2022 Series 46 Direct Growth

Low to Moderate Risk

-0.0%₹30.97 Cr7.1%
HDFC FMP 1204D December 2022 (47) Direct Growth

Low to Moderate Risk

---6.6%
HDFC Fixed Maturity Plans 1269 Days March 2023 Series 47 Direct Growth

Low to Moderate Risk

-0.0%-6.7%
HDFC Fixed Maturity Plans 1359 Days September 2022 Series 46 Direct Growth

Low to Moderate Risk

-0.0%-6.8%
HDFC Fixed Maturity Plan 1406 Days August 2022 Series 46 Direct Growth

Moderate Risk

-0.0%-7.0%
HDFC Fixed Maturity Plans 1113 Days March 2019 Series 44 Plan 1 Direct Growth

Moderate Risk

-0.0%--
HDFC Fixed Maturity Plan 1876 Days Series 46 Direct Growth

Low to Moderate Risk

-0.0%₹30.14 Cr6.9%
HDFC Fixed Maturity Plans Series 46 1158D July 2022 Direct Growth

Low to Moderate Risk

-0.0%-7.1%
HDFC Fixed Maturity Plan 1861 Days Series 46 Direct Growth

Low to Moderate Risk

-0.0%₹430.39 Cr6.9%
HDFC FMP 2638D February 2023 (47) Direct Growth

Moderate Risk

-0.0%-6.9%
HDFC Fixed Maturity Plans 1127 Days April 2019 Series 44 Plan 1 Direct Growth

Moderate Risk

----
HDFC Balanced Advantage Fund Direct Growth

Very High Risk

0.7%1.0%₹83548.61 Cr42.5%
HDFC Hybrid Equity Fund Direct Growth

Very High Risk

1.0%1.0%₹23113.38 Cr21.4%
HDFC Dynamic PE Ratio Fund of Funds Plan A Direct Growth

High Risk

-1.0%₹44.57 Cr25.7%
HDFC Small Cap Fund Direct Growth

Very High Risk

0.6%1.0%₹29685.32 Cr45.6%
HDFC Housing Opportunities Fund Direct Growth

Very High Risk

1.2%1.0%₹1430.61 Cr60.3%
HDFC Large and Mid Cap Fund Direct Growth

Very High Risk

0.8%1.0%₹18691.62 Cr50.5%
HDFC Nifty G-Sec July 2031 Index Fund Direct Growth

Moderate Risk

0.2%0.0%₹620.48 Cr6.6%
HDFC Nifty G-sec Dec 2026 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹1205.47 Cr6.7%
HDFC Business Cycle Fund Direct Growth

Very High Risk

0.7%1.0%₹2970.53 Cr31.4%
HDFC NIFTY Smallcap 250 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹164.59 Cr63.4%
HDFC Credit Risk Debt Fund Direct Growth

Moderately High risk

0.9%1.0%₹7987.13 Cr7.4%
HDFC Nifty SDL Oct 2026 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹188.28 Cr6.9%
HDFC Banking and PSU Debt Fund Direct Growth

Moderate Risk

0.4%0.0%₹6326.72 Cr7.2%
HDFC Banking & Financial Services Fund Direct Growth

Very High Risk

0.6%1.0%₹3369.81 Cr23.3%
HDFC Non-Cyclical Consumer Fund Direct Growth

Very High Risk

1.2%1.0%₹662.33 Cr-
HDFC Asset Allocator Fund of Funds Direct Growth

High Risk

0.1%1.0%₹3034.42 Cr27.1%
HDFC Gold Fund Direct Growth

High Risk

0.2%1.0%₹2006.90 Cr21.8%
HDFC Gilt Fund Direct Growth

Moderate Risk

0.5%0.0%₹2402.04 Cr7.2%
HDFC Dynamic Debt Fund Direct Growth

Moderate Risk

0.7%0.0%₹679.02 Cr7.6%
HDFC Medium Term Debt Fund Direct Growth

Moderate Risk

0.6%0.0%₹4175.59 Cr7.2%
HDFC Income Fund Direct Growth

Moderate Risk

0.8%0.0%₹779.90 Cr6.7%
HDFC Infrastructure Fund Direct Growth

Very High Risk

1.3%1.0%₹1893.54 Cr83.4%
HDFC Liquid Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹59481.43 Cr7.3%
HDFC Corporate Bond Fund Direct Growth

Moderate Risk

0.3%0.0%₹28645.12 Cr7.6%
HDFC Mid-Cap Opportunities Fund Direct Growth

Very High Risk

0.8%1.0%₹63413.49 Cr59.1%
HDFC Hybrid Debt Fund Direct Growth

Moderately High risk

1.2%1.0%₹3146.17 Cr16.4%
HDFC TaxSaver Direct Growth

Very High Risk

1.1%0.0%₹14474.85 Cr48.0%
HDFC Multi - Asset Fund Direct Growth

High Risk

0.8%1.0%₹2799.47 Cr24.6%
HDFC Equity Savings Fund Direct Growth

Moderately High risk

1.0%1.0%₹4180.30 Cr18.8%
HDFC Short Term Debt Fund Direct Growth

Moderate Risk

0.4%0.0%₹12947.96 Cr7.5%
HDFC Top 100 Fund Direct Growth

Very High Risk

0.3%1.0%₹33170.08 Cr36.3%
HDFC S&P BSE 500 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹68.86 Cr37.2%
HDFC Nifty Midcap 150 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹129.90 Cr58.8%
HDFC Dividend Yield Fund Direct Growth

Very High Risk

0.5%1.0%₹4958.90 Cr47.8%
HDFC Low Duration Fund Direct Growth

Low to Moderate Risk

0.5%0.0%₹16900.79 Cr7.8%
HDFC Arbitrage Fund Direct Growth

Low Risk

0.4%0.0%₹11804.46 Cr8.1%
HDFC Capital Builder Value Fund Direct Growth

Very High Risk

1.0%1.0%₹6762.91 Cr44.6%

Risk Level

Your principal amount will be at Moderately High risk

Moderately High risk
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The NAV of HDFC Credit Risk Debt Fund Direct Growth, as of 21-May-2024, is ₹23.55.
The fund has generated 7.36% over the last 1 year and 6.41% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 1.76% in equities, 90.92% in bonds, and 6.25% in cash and cash equivalents.
The fund managers responsible for HDFC Credit Risk Debt Fund Direct Growth are:-
  1. Shobhit Mehrotra
  2. Dhruv Muchhal