HDFC Credit Risk Debt Fund Direct Growth

Debt
Credit Risk
High Risk
0123456789.01234567890123456789%
3Y annualised
-0.05% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 25 Apr 2025₹25.65
Min. SIP amount₹100
Rating2
Fund size₹7,229.73Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
1 year
3 years
5 years
Total investment of ₹59,992
Would have become ₹62,127 (+3.55%)

Holdings (83)

NameSectorInstrumentAssets
Sandur Manganese & Iron Ores Ltd.
Metals & MiningNCD4.04%
Tata Projects Ltd.
ConstructionNCD3.49%
Tata Power Company Ltd.
EnergyDebenture3.21%
Power Finance Corporation Ltd.
FinancialBonds2.82%
AutomobileNCD2.79%
Kalpataru Projects International Ltd.
Capital GoodsNCD2.78%
Bamboo Hotel And Global Centre (Delhi) Pvt Ltd. Class A
ServicesDebenture2.77%
AutomobileNCD2.65%
Capital GoodsNCD2.48%
Nirma Ltd.
Consumer StaplesDebenture2.44%
TVS Credit Services Ltd.
FinancialNCD2.38%
Aditya Birla Renewables Ltd.
EnergyBonds/NCD2.09%
Vastu Finserve India Private Ltd.
FinancialNCD2.08%
DLF Home Developers Ltd
ServicesDebenture2.08%
FinancialNCD2.08%
Kalpataru Projects International Ltd.
Capital GoodsNCD2.08%
ConstructionInvITs1.89%
FinancialNCD1.75%
ConstructionREITs1.64%
SovereignGOI Sec1.52%
Mahindra Rural Housing Finance Ltd.
FinancialNCD1.40%
GOI
SovereignGOI Sec1.40%
EnergyNCD1.39%
Infopark Properties Ltd.
ConstructionDebenture1.39%
Godrej Industries Ltd.
Consumer StaplesNCD1.39%
Ramco Industries Ltd.
ConstructionNCD1.38%
SK Finance Ltd.
FinancialNCD1.37%
GOI
SovereignGOI Sec1.34%
Muthoot Capital Services Ltd.
FinancialNCD1.29%
Nirma Ltd.
Consumer StaplesDebenture1.18%
SovereignGOI Sec1.16%
GOI
SovereignGOI Sec1.10%
JM Financial Home Loans Ltd.
FinancialNCD1.04%
Nuvoco Vistas Corporation Ltd.
ConstructionBonds/NCD1.04%
Tata Projects Ltd.
ConstructionNCD1.04%
REC Ltd.
FinancialNCD1.04%
JM Financial Home Loans Ltd.
FinancialNCD1.03%
IIFL Finance Ltd.
FinancialNCD1.03%
FinancialDebenture0.97%
SovereignGOI Sec0.87%
FinancialNCD0.86%
Vajra Trust
OthersSec. Debt0.84%
Vajra Trust
OthersSec. Debt0.72%
SovereignGOI Sec0.72%
ONGC Petro Additions Ltd.
EnergyNCD0.70%
FinancialDebenture0.70%
National Bank For Agriculture & Rural Development
FinancialBonds0.70%
Power Finance Corporation Ltd.
FinancialNCD0.70%
IKF Finance Ltd.
FinancialNCD0.69%
FinancialDebenture0.69%
Tata Capital Housing Finance Ltd.
FinancialDebenture0.68%
Capital GoodsNCD0.68%
LIC Housing Finance Ltd.
FinancialDebenture0.68%
GOI
SovereignGOI Sec0.66%
ConstructionInvITs0.62%
SovereignGOI Sec0.58%
FinancialNCD0.58%
LIC Housing Finance Ltd.
FinancialBonds/NCD0.53%
IKF Finance Ltd.
FinancialNCD0.50%
TMF Holdings Ltd.
FinancialNCD0.41%
Indigo Paints Ltd.
ChemicalsSec. Debt0.40%
SovereignGOI FRB0.36%
FinancialNCD0.35%
Motilal Oswal Home Finance Ltd.
FinancialDebenture0.35%
ConstructionNCD0.35%
EnergyNCD0.35%
Godrej Industries Ltd.
Consumer StaplesNCD0.35%
EnergyBonds0.35%
Indian Railway Finance Corporation Ltd.
FinancialNCD0.35%
SovereignGOI Sec0.35%
ConstructionNCD0.34%
FinancialDebenture0.29%
FinancialNCD0.28%
FinancialDebenture0.28%
IndiGrid Infrastructure Trust
Capital GoodsNCD0.27%
ServicesInvITs0.22%
TVS Credit Services Ltd.
FinancialNCD0.21%
Vajra Trust
OthersSec. Debt0.21%
FinancialNCD0.15%
EnergyBonds0.14%
FinancialNCD0.14%
SovereignGOI Sec0.05%
Andhra Pradesh State
FinancialSDL0.02%
See All

Minimum investment amounts

Min. for 1st investment₹100
Min. for 2nd investment onwards₹100
Min. for SIP₹100

Returns and rankings

Category: Debt Credit Risk
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns9.4%7.6%8.2%8.9%
Category average10.3%7.8%9.1%NA
Rank with in category12108NA
Understand terms

Peer Comparison

Expense ratio, exit load and tax

Expense ratio: 1.02%

Inclusive of GST

Exit load

Exit load for units in excess of 15% of the investment, 1% will be charged for redemption within 12 months and 0.50% if redeemed after 12 months but within 18 months.

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Fund management

Shobhit Mehrotra
Mar 2014 - Present
View details

Education
He is an MBA from Clemson University, USA.
Experience
Prior to joining HDFC AMC he has worked with Franklin Templeton AMC, and ICRA.
Also manages these schemes

Dhruv Muchhal
Jun 2023 - Present
View details

Education
Mr. Dhruv has done B.Com, CA and CFA
Experience
Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, BackbayReclamation, Churchgate Mumbai 400020
Phone
022 – 66316333
Launch Date
10 Dec 1999
HDFC Mutual Fund
Asset Management Company
Custodian
NA
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,

Pros and cons

Category: Debt Credit Risk

Pros

10Y annualised returns higher than category average by 1.99%

Cons

Consistently lower annualised returns than category average for the past 1Y, 3Y and 5Y
Higher expense ratio: 1.02%
Low rating: 2

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