HSBC Credit Risk Fund Direct Growth
DebtCredit RiskModerately High risk
Direct
NAV (05-Jun-26)
Returns (Since Inception)
Fund Overview
Fund Size
₹475 Cr
Expense Ratio
0.95%
ISIN
INF917K01UH8
Minimum SIP
₹1,000
Exit Load
1.00%
Inception Date
01 Jan 2013
About this fund
As of 05-Jun-26, it has a Net Asset Value (NAV) of ₹36.97, Assets Under Management (AUM) of 475.04 Crores, and an expense ratio of 0.95%.
- HSBC Credit Risk Fund Direct Growth has given a CAGR return of 9.78% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 94.61% in debts, and 5.39% in cash & cash equivalents.
- You can start investing in HSBC Credit Risk Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
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
+5.66%
+7.01% (Cat Avg.)
3 Years
+11.66%
+8.79% (Cat Avg.)
5 Years
+9.34%
+9.34% (Cat Avg.)
10 Years
+7.82%
+6.24% (Cat Avg.)
Since Inception
+9.78%
— (Cat Avg.)
Portfolio Summaryas of 15th May 2026
| Debt | ₹449.44 Cr | 94.61% |
| Others | ₹25.6 Cr | 5.39% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 6.01% Govt Stock 2030 | Bond - Gov't/Treasury | ₹29.87 Cr | 6.30% |
| Aditya Birla Renewables Limited | Bond - Corporate Bond | ₹26.38 Cr | 5.56% |
| Power Grid Corporation Of India Limited | Bond - Corporate Bond | ₹26.3 Cr | 5.54% |
| Jtpm Metal TRaders Limited | Bond - Corporate Bond | ₹26.22 Cr | 5.53% |
| Godrej Seeds & Genetics Limited | Bond - Corporate Bond | ₹26.18 Cr | 5.52% |
| Nuvoco Vistas Corporation Limited | Bond - Corporate Bond | ₹26 Cr | 5.48% |
| Nirma Limited | Bond - Corporate Bond | ₹25.49 Cr | 5.37% |
| Rec Limited | Bond - Corporate Bond | ₹25.41 Cr | 5.35% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹25.37 Cr | 5.35% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹25.09 Cr | 5.29% |
| Jsw Kalinga Steel Limited | Bond - Corporate Bond | ₹19.92 Cr | 4.20% |
| Vedanta Limited | Bond - Corporate Bond | ₹16.38 Cr | 3.45% |
| Aadhar Housing Finance Limited | Bond - Corporate Bond | ₹16.25 Cr | 3.43% |
| Mas Financial Services Limited | Bond - Corporate Bond | ₹16.17 Cr | 3.41% |
| Aadhar Housing Finance Limited | Bond - Corporate Bond | ₹15.94 Cr | 3.36% |
| Aditya Birla Digital Fashion Ventures Limited | Bond - Corporate Bond | ₹15.84 Cr | 3.34% |
| Vedanta Limited | Bond - Corporate Bond | ₹15.41 Cr | 3.25% |
| Delhi International Airport Limited | Bond - Corporate Bond | ₹15.3 Cr | 3.22% |
| DHRUVA XXIV | Bond - Asset Backed | ₹11.67 Cr | 2.46% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹10.83 Cr | 2.28% |
| Aditya Birla Real Estate Limited | Bond - Corporate Bond | ₹10.57 Cr | 2.23% |
| 6.75% Govt Stock 2033 | Bond - Gov't/Treasury | ₹10.5 Cr | 2.21% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹10.02 Cr | 2.11% |
| Treps | Cash - Repurchase Agreement | ₹9.94 Cr | 2.09% |
| VAJRA 011 TRUST | Bond - Asset Backed | ₹6.5 Cr | 1.37% |
| 6.48% Govt Stock 2035 | Bond - Gov't/Treasury | ₹4.84 Cr | 1.02% |
| 6.68% Govt Stock 2040 | Bond - Gov't/Treasury | ₹4.82 Cr | 1.02% |
| SBI Funds Management Private Ltd | Bond - Corporate Bond | ₹1.88 Cr | 0.40% |
| Net Current Assets (Including Cash & Bank Balances) | Cash | ₹-0.62 Cr | 0.13% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹396.96 Cr | 83.66% |
| Bond - Gov't/Treasury | ₹50.04 Cr | 10.55% |
| Bond - Asset Backed | ₹18.17 Cr | 3.83% |
| Cash - Repurchase Agreement | ₹9.94 Cr | 2.09% |
| Cash | ₹-0.62 Cr | 0.13% |
Risk & Performance Ratios
Standard Deviation
This fund
6.88%
Cat. avg.
2.79%
Lower the better
Sharpe Ratio
This fund
0.71
Cat. avg.
0.92
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
3.52
Higher the better
Fund Managers
Shriram Ramanathan
Since November 2012
Additional Scheme Detailsas of 15th May 2026
ISIN INF917K01UH8 | Expense Ratio 0.95% | Exit Load 1.00% | Fund Size ₹475 Cr | Age 13 years 5 months | Lumpsum Minimum ₹5,000 | Fund Status Open Ended Investment Company | Benchmark Nifty Credit Risk Bond B-II 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 | 0.9% | 1.0% | ₹475.04 Cr | 5.7% |
| ICICI Prudential Credit Risk Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹5989.89 Cr | 7.6% |
| Nippon India Credit Risk Fund Direct Growth Moderately High risk | 0.6% | 1.0% | ₹1343.43 Cr | 7.7% |
| Kotak Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹761.17 Cr | 7.0% |
| HDFC Credit Risk Debt Fund Direct Growth Moderately High risk | 1.0% | 1.0% | ₹7522.14 Cr | 6.4% |
| HDFC Credit Risk Debt Fund Regular Growth Moderately High risk | 1.5% | 1.0% | ₹7522.14 Cr | 5.8% |
| HSBC Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹475.04 Cr | 4.9% |
| ICICI Prudential Credit Risk Fund Regular Growth Very High Risk | 1.2% | 1.0% | ₹5989.89 Cr | 7.0% |
| Invesco India Credit Risk Fund Regular Growth Moderately High risk | 1.2% | 1.0% | ₹159.49 Cr | 5.5% |
| Invesco India Credit Risk Fund Direct Growth Moderately High risk | 0.2% | 1.0% | ₹159.49 Cr | 6.8% |
| UTI Credit Risk Fund Direct Growth Moderately High risk | 1.0% | 1.0% | ₹252.52 Cr | 6.0% |
| SBI Credit Risk Fund Direct Growth High Risk | 0.9% | 3.0% | ₹2134.16 Cr | 6.7% |
| Bank of India Credit Risk Fund Direct Growth Moderately High risk | 1.0% | 4.0% | ₹104.69 Cr | 17.2% |
| Bank of India Credit Risk Fund Regular Growth Moderately High risk | 1.4% | 4.0% | ₹104.69 Cr | 16.7% |
| DSP Credit Risk Fund Direct Growth Moderately High risk | 0.3% | 3.0% | ₹242.06 Cr | 10.1% |
| Axis Credit Risk Fund Direct Growth High Risk | 0.8% | 1.0% | ₹355.18 Cr | 7.5% |
| Axis Credit Risk Fund Regular Growth High Risk | 1.6% | 1.0% | ₹355.18 Cr | 6.7% |
| Kotak Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹761.17 Cr | 6.0% |
| DSP Credit Risk Fund Regular Growth Moderately High risk | 1.0% | 3.0% | ₹242.06 Cr | 9.2% |
| SBI Credit Risk Fund Regular Growth High Risk | 1.6% | 3.0% | ₹2134.16 Cr | 6.0% |
| Nippon India Credit Risk Fund Regular Growth Moderately High risk | 1.3% | 1.0% | ₹1343.43 Cr | 6.9% |
| UTI Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹252.52 Cr | 5.2% |
| Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹174.43 Cr | 6.7% |
| Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹174.43 Cr | 5.8% |
| Aditya BSL Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 1.0% | ₹1353.31 Cr | 12.1% |
| Aditya BSL Credit Risk Fund Regular Growth Moderately High risk | 1.4% | 1.0% | ₹1353.31 Cr | 11.2% |
| Bandhan Credit Risk Fund Direct Growth Moderately High risk | 0.6% | 1.0% | ₹230.48 Cr | 4.6% |
| Bandhan Credit Risk Fund Regular Growth Moderately High risk | 1.4% | 1.0% | ₹230.48 Cr | 3.6% |
About the AMC
HSBC Mutual Fund
Total AUM
₹1,41,961 Cr
Address
16, V N Road, Mumbai, 400 001
Other Funds by HSBC Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
Take control of your wealth
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- Shriram Ramanathan
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