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HDFC Credit Risk Debt Fund Regular Growth
DebtCredit RiskHigh Risk
Regular
NAV (14-Oct-26)
₹26.05-0.08%1D
Returns (Since Inception)
7.91%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹7,631 Cr
Expense Ratio
1.51%
ISIN
INF179KA1GC0
Minimum SIP
₹100
Exit Load
1.00%
Inception Date
25 Mar 2014
About this fund
HDFC Credit Risk Debt Fund Regular Growth is a Credit Risk mutual fund schemes offered by HDFC Mutual Fund. This fund has been in existence for 12 years, 6 months and 20 days, having been launched on 25-Mar-14.
As of 14-Oct-26, it has a Net Asset Value (NAV) of ₹26.05, Assets Under Management (AUM) of 7630.51 Crores, and an expense ratio of 1.51%.
As of 14-Oct-26, it has a Net Asset Value (NAV) of ₹26.05, Assets Under Management (AUM) of 7630.51 Crores, and an expense ratio of 1.51%.
- HDFC Credit Risk Debt Fund Regular Growth has given a CAGR return of 7.91% since inception.
- The fund's asset allocation comprises around 6.32% in equities, 88.63% in debts, and 3.43% in cash & cash equivalents.
- You can start investing in HDFC Credit Risk Debt Fund Regular 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
+5.94%
+7.58% (Cat Avg.)
3 Years
+7.49%
+9.18% (Cat Avg.)
5 Years
+6.41%
+9.21% (Cat Avg.)
10 Years
+7.10%
+6.00% (Cat Avg.)
Since Inception
+7.91%
— (Cat Avg.)
Portfolio Summaryas of 30th September 2026
| Equity | ₹482.01 Cr | 6.32% |
| Debt | ₹6,762.93 Cr | 88.63% |
| Others | ₹385.58 Cr | 5.05% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| GMR Airports Limited | Bond - Corporate Bond | ₹371.77 Cr | 4.87% |
| Nirma Limited | Bond - Corporate Bond | ₹300.53 Cr | 3.94% |
| Indus Infra Trust Unit | Equity | ₹246.28 Cr | 3.23% |
| Triumph Composites Private Limited | Bond - Corporate Bond | ₹238.18 Cr | 3.12% |
| Jubilant Beverages Limited | Bond - Corporate Bond | ₹214.94 Cr | 2.82% |
| Aditya Birla Renewables Limited | Bond - Corporate Bond | ₹210.02 Cr | 2.75% |
| Bamboo Hotel And Global Centre (Delhi) Private Limited | Bond - Corporate Bond | ₹200.65 Cr | 2.63% |
| Kalpataru Projects International Limited | Bond - Corporate Bond | ₹199.69 Cr | 2.62% |
| Jubilant Bevco Limited | Bond - Corporate Bond | ₹199.65 Cr | 2.62% |
| 8.28% Tamilnadu SDL 2028 | Bond - Gov't/Treasury | ₹178.08 Cr | 2.33% |
| JSW Energy Limited | Bond - Corporate Bond | ₹175.39 Cr | 2.30% |
| Evonith Value Steel Limited | Bond - Corporate Bond | ₹173.75 Cr | 2.28% |
| SIDDHIVINAYAK SECURITISATION TRUST | Bond - Asset Backed | ₹167.31 Cr | 2.19% |
| Jtpm Metal TRaders Limited | Bond - Corporate Bond | ₹161.87 Cr | 2.12% |
| 6.94% Govt Stock 2036 | Bond - Gov't/Treasury | ₹152.46 Cr | 2.00% |
| Kalpataru Projects International Limited | Bond - Corporate Bond | ₹149.96 Cr | 1.97% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹149.17 Cr | 1.95% |
| Kogta Financial (India) Limited | Bond - Corporate Bond | ₹148.34 Cr | 1.94% |
| Veritas Finance Limited^ | Bond - Corporate Bond | ₹148.19 Cr | 1.94% |
| Aditya Birla Digital Fashion Ventures Limited | Bond - Corporate Bond | ₹147.81 Cr | 1.94% |
| Aadharshila Infratech Private Limited | Bond - Corporate Bond | ₹147.39 Cr | 1.93% |
| Kosamattam Finance Limited | Bond - Corporate Bond | ₹147.08 Cr | 1.93% |
| Net Current Assets | Cash | ₹143.84 Cr | 1.89% |
| SK Finance Limited | Bond - Corporate Bond | ₹123.35 Cr | 1.62% |
| Aadhar Housing Finance Limited | Bond - Corporate Bond | ₹115.15 Cr | 1.51% |
| TVS Credit Services Limited | Bond - Corporate Bond | ₹105.36 Cr | 1.38% |
| Cube Highways Trust | Equity | ₹105.31 Cr | 1.38% |
| Treps - Tri-Party Repo | Cash - Repurchase Agreement | ₹104.16 Cr | 1.37% |
| 360 One Prime Limited | Bond - Corporate Bond | ₹100.48 Cr | 1.32% |
| Mahindra Rural Housing Finance Limited | Bond - Corporate Bond | ₹100.28 Cr | 1.31% |
| Globe Fincap Limited | Bond - Corporate Bond | ₹99.25 Cr | 1.30% |
| Mas Financial Services Limited | Bond - Corporate Bond | ₹98.99 Cr | 1.30% |
| Raajmarg Infra Investment Trust | Mutual Fund - Unspecified | ₹98.58 Cr | 1.29% |
| 182 Days Tbill Mat 180327^ | Bond - Gov't/Treasury | ₹97.4 Cr | 1.28% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹74.72 Cr | 0.98% |
| JM Financial Home Loans Limited | Bond - Corporate Bond | ₹74.63 Cr | 0.98% |
| JM Financial Home Loans Limited | Bond - Corporate Bond | ₹74.51 Cr | 0.98% |
| Aditya Birla Digital Fashion Ventures Limited | Bond - Corporate Bond | ₹74.19 Cr | 0.97% |
| Embassy Office Parks REIT | Equity - REIT | ₹73.85 Cr | 0.97% |
| The Tata Power Company Limited | Bond - Corporate Bond | ₹70.98 Cr | 0.93% |
| 7.23% Govt Stock 2039 | Bond - Gov't/Treasury | ₹59.83 Cr | 0.78% |
| Vastu Finserve India Private Limited | Bond - Corporate Bond | ₹59.53 Cr | 0.78% |
| Mas Financial Services Limited | Bond - Corporate Bond | ₹55.18 Cr | 0.72% |
| 8.03% Karnataka Sdl 2028 | Bond - Gov't/Treasury | ₹50.69 Cr | 0.66% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹50.18 Cr | 0.66% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹50.16 Cr | 0.66% |
| IKF Finance Limited | Bond - Corporate Bond | ₹50.1 Cr | 0.66% |
| Aadhar Housing Finance Limited | Bond - Corporate Bond | ₹50.09 Cr | 0.66% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹49.8 Cr | 0.65% |
| Globe Capital Market Limited | Bond - Corporate Bond | ₹49.58 Cr | 0.65% |
| Vastu Finserve India Private Limited | Bond - Corporate Bond | ₹49.47 Cr | 0.65% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹49.45 Cr | 0.65% |
| Vastu Finserve India Private Limited | Bond - Corporate Bond | ₹49.28 Cr | 0.65% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹48.31 Cr | 0.63% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹48.14 Cr | 0.63% |
| 7.34% Govt Stock 2064 | Bond - Gov't/Treasury | ₹47.55 Cr | 0.62% |
| 7.09% Govt Stock 2054 | Bond - Gov't/Treasury | ₹46.73 Cr | 0.61% |
| Mahindra Rural Housing Finance Limited | Bond - Corporate Bond | ₹41.35 Cr | 0.54% |
| 7.25% Govt Stock 2063 | Bond - Gov't/Treasury | ₹37.68 Cr | 0.49% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹37.41 Cr | 0.49% |
| VAJRA 009 TRUST | Bond - Asset Backed | ₹37.2 Cr | 0.49% |
| POWERGRID Infrastructure Investment Trust Units | Equity | ₹36.23 Cr | 0.47% |
| Tmf Holdings Limited | Bond - Corporate Bond | ₹29.62 Cr | 0.39% |
| Corporate Debt Market Development Fund | Mutual Fund - Unspecified | ₹25.54 Cr | 0.33% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹25.03 Cr | 0.33% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹25.02 Cr | 0.33% |
| Motilal Oswal Home Finance Limited | Bond - Corporate Bond | ₹24.93 Cr | 0.33% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹24.87 Cr | 0.33% |
| Tamil Nadu (Government of) 7.73% | Bond - Sub-sovereign Government Debt | ₹24.81 Cr | 0.33% |
| Rec Limited | Bond - Corporate Bond | ₹24.81 Cr | 0.33% |
| JSW Energy Limited | Bond - Corporate Bond | ₹24.76 Cr | 0.32% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹24.75 Cr | 0.32% |
| Rec Limited | Bond - Corporate Bond | ₹24.64 Cr | 0.32% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹24.58 Cr | 0.32% |
| Dlf Cyber City Developers Ltd | Bond - Corporate Bond | ₹24.56 Cr | 0.32% |
| Tamil Nadu (Government of) 7.59% | Bond - Sub-sovereign Government Debt | ₹24.34 Cr | 0.32% |
| SHIVSHAKTI SECURITISATION TRUST | Bond - Asset Backed | ₹23.88 Cr | 0.31% |
| Capital Infra Trust InvITs | Equity | ₹20.35 Cr | 0.27% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹20.31 Cr | 0.27% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹19.96 Cr | 0.26% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹19.93 Cr | 0.26% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹19.93 Cr | 0.26% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹19.92 Cr | 0.26% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹19.73 Cr | 0.26% |
| INDIGO 049 | Bond - Asset Backed | ₹17.94 Cr | 0.24% |
| IKF Finance Limited | Bond - Corporate Bond | ₹16.52 Cr | 0.22% |
| Rec Limited | Bond - Corporate Bond | ₹14.86 Cr | 0.19% |
| Muthoot Capital Services Limited | Bond - Corporate Bond | ₹13.47 Cr | 0.18% |
| Rec Limited | Bond - Corporate Bond | ₹10.23 Cr | 0.13% |
| Rec Limited | Bond - Corporate Bond | ₹10.02 Cr | 0.13% |
| INDIGO 041 | Bond - Asset Backed | ₹5.97 Cr | 0.08% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹2.77 Cr | 0.04% |
| 6.67% Govt Stock 2035 | Bond - Gov't/Treasury | ₹2.42 Cr | 0.03% |
| VAJRA 006 TRUST | Bond - Asset Backed | ₹1.44 Cr | 0.02% |
| 7.64% Andhra Sgs 2031 | Bond - Gov't/Treasury | ₹1.17 Cr | 0.02% |
Allocation By Market Cap (Equity)
Large Cap Stocks
--
Mid Cap Stocks
0.97%
Small Cap Stocks
--
Allocation By Credit Quality (Debt)
AAA
AA
A
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹246.28 Cr | 3.23% |
| Industrials | ₹125.66 Cr | 1.65% |
| Utilities | ₹36.23 Cr | 0.47% |
Risk & Performance Ratios
Standard Deviation
This fund
1.25%
Cat. avg.
2.97%
Lower the better
Sharpe Ratio
This fund
0.92
Cat. avg.
1.14
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
4.63
Higher the better
Fund Managers
Additional Scheme Detailsas of 30th September 2026
ISIN INF179KA1GC0 | Expense Ratio 1.51% | Exit Load 1.00% | Fund Size ₹7,631 Cr | Age 12 years 6 months | Lumpsum Minimum ₹100 | Fund Status Open Ended Investment Company | Benchmark NIFTY Credit Risk Bond TR INR |
Investment 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
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only 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 name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| HSBC Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹455.14 Cr | 6.1% |
| ICICI Prudential Credit Risk Fund Direct Growth Very High Risk | 0.8% | 1.0% | ₹6332.20 Cr | 7.2% |
| Nippon India Credit Risk Fund Direct Growth Moderately High risk | 0.6% | 1.0% | ₹1707.58 Cr | 7.2% |
| Kotak Credit Risk Fund Direct Growth Moderate Risk | 0.8% | 1.0% | ₹769.05 Cr | 6.4% |
| HDFC Credit Risk Debt Fund Direct Growth High Risk | 1.0% | 1.0% | ₹7630.51 Cr | 6.5% |
| HDFC Credit Risk Debt Fund Regular Growth High Risk | 1.5% | 1.0% | ₹7630.51 Cr | 5.9% |
| HSBC Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹455.14 Cr | 5.3% |
| ICICI Prudential Credit Risk Fund Regular Growth Very High Risk | 1.4% | 1.0% | ₹6332.20 Cr | 6.5% |
| Invesco India Credit Risk Fund Regular Growth Moderately High risk | 1.5% | 1.0% | ₹167.37 Cr | 5.9% |
| Invesco India Credit Risk Fund Direct Growth Moderately High risk | 0.3% | 1.0% | ₹167.37 Cr | 7.2% |
| UTI Credit Risk Fund Direct Growth Moderately High risk | 1.0% | 1.0% | ₹241.47 Cr | 5.9% |
| SBI Credit Risk Fund Direct Growth High Risk | 0.9% | 3.0% | ₹2182.18 Cr | 7.4% |
| Bank of India Credit Risk Fund Direct Growth Moderately High risk | 0.6% | 1.0% | ₹74.33 Cr | 17.2% |
| Bank of India Credit Risk Fund Regular Growth Moderately High risk | 1.4% | 1.0% | ₹74.33 Cr | 16.7% |
| DSP Credit Risk Fund Direct Growth Moderate Risk | 0.4% | 3.0% | ₹316.27 Cr | 10.5% |
| Axis Credit Risk Fund Direct Growth High Risk | 0.8% | 1.0% | ₹378.33 Cr | 7.5% |
| Axis Credit Risk Fund Regular Growth High Risk | 1.6% | 1.0% | ₹378.33 Cr | 6.7% |
| Kotak Credit Risk Fund Regular Growth Moderate Risk | 1.7% | 1.0% | ₹769.05 Cr | 5.4% |
| DSP Credit Risk Fund Regular Growth Moderate Risk | 1.2% | 3.0% | ₹316.27 Cr | 9.6% |
| SBI Credit Risk Fund Regular Growth High Risk | 1.6% | 3.0% | ₹2182.18 Cr | 6.7% |
| Nippon India Credit Risk Fund Regular Growth Moderately High risk | 0.6% | 1.0% | ₹1707.58 Cr | 6.4% |
| UTI Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹241.47 Cr | 5.2% |
| Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 1.0% | ₹177.69 Cr | 7.0% |
| Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk | 1.4% | 1.0% | ₹177.69 Cr | 6.2% |
| Aditya BSL Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹1657.06 Cr | 11.6% |
| Aditya BSL Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹1657.06 Cr | 10.7% |
| Bandhan Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 1.0% | ₹224.01 Cr | 5.2% |
| Bandhan Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹224.01 Cr | 4.1% |
About the AMC
HDFC Mutual Fund
Total AUM
₹9,56,438 Cr
Address
“HUL House”, 2nd Floor, Mumbai, 400 020
Other Funds by HDFC Mutual Fund
Risk Level
Your principal amount will be at High Risk
Take control of your wealth
Related Articles
Still got questions?
We're here to help.
What is the current NAV of HDFC Credit Risk Debt Fund Regular Growth?
The NAV of HDFC Credit Risk Debt Fund Regular Growth, as of 14-Oct-2026, is ₹26.05.
What are the returns of HDFC Credit Risk Debt Fund Regular Growth?
The fund has generated 5.94% over the last 1 year and 7.49% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of HDFC Credit Risk Debt Fund Regular Growth?
The fund's allocation of assets is distributed as 6.32% in equities, 88.63% in bonds, and 3.43% in cash and cash equivalents.
Who manages the HDFC Credit Risk Debt Fund Regular Growth?
The fund managers responsible for HDFC Credit Risk Debt Fund Regular Growth are:-
- Praveen Jain
- Dhruv Muchhal
- Bhavyesh Divecha
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Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Pvt. Ltd. is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
