Sharpe ratio
1.47Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+6.65%1Y Absolute Return
-0.01%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| HDFC Credit Risk Debt Fund - Growth Option - Direct PlanFund 5Y annualised return | ₹8,70,684 | ₹7,32,612 | ₹1,38,072 | +7.14% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age12.6 yrs
Fund information
Scheme code128051
ISININF179KA1FZ3
BenchmarkNIFTY Credit Risk Bond Index B-II
CategoryDebt Scheme - Credit Risk Fund
Expense ratio1.01%
Exit loadExit 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.
Minimum SIP₹100 SIP
Return comparison
22nd / 86 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +9.24% | — | — |
| 3M | +2.80% | — | — |
| 6M | +8.07% | — | — |
| 1Y | +6.65% | — | +4.07% |
| 3Y | +8.14% | — | +5.67% |
| 5Y | +7.14% | — | +5.54% |
| 10Y | +7.77% | — | — |
| Since Launch | +8.65% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
2.60Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
1.29%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
3.35How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt91.70%
Real Estate5.97%
Cash2.33%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 95 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GMR AIRPORTS LIMITED 5 BD 13FB27 FVRS1LAC | Industrials | Bonds | 4.78% |
| NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC | Consumer Staples | Debenture | 3.91% |
| TATA PROJECTS LIMITED SR N 8.50 NCD 18DC26 FVRS1LAC | Industrials | Non Convertible Debenture | 3.26% |
| Bharat Highways InvIT | Industrials | Infrastructure Investment Trust | 3.11% |
| Tata Power Company Ltd SR CGPLAU02 Debenture 9.90 27/08/2028 | Energy & Utilities | Debenture | 2.95% |
| INDUSIND BANK LTD. CD 22SEP26 | Financial | Certificate of Deposit | 2.88% |
| JUBILANT BEVERAGES LIMITED NCD 31MY28 FVRS1LAC | Consumer Staples | Debenture | 2.76% |
| ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC | Energy & Utilities | Bonds/NCDs | 2.74% |
| BAMBOO HOTEL AND GLOBAL CENTRE (DELHI) PRIVATE LIMITED SR I 10.81 NCD 31JN28 FVRS1LAC | Consumer Discretionary | Debenture | 2.61% |
| KALPATARU PROJECTS INTERNATIONAL LIMITED 8.35 NCD 11JU27 FVRS1LAC | Industrials | Non Convertible Debenture | 2.6% |
Fund management
PR
Praveen Jain
Since 2026 · Prior to joining HDFC Mutual Fund, he has worked with Larsen & Toubro Ltd and Tata Motors
Mr. Jain has done CA and CFA
DH
Dhruv Muchhal
Since 2023 · Prior to joining HDFC MF,he has worked with Motilal Oswal Financial Services Ltd., Goldman Sachs, CRISIL Global Research & Analytics and Deloitte Haskins & Sells
Mr. Dhruv has done B.Com, CA and CFA
BH
Bhavyesh Divecha
Since 2026 · Prior to Joining the HDFC AMC, he has worked with L&T Investment Management Limited, ICRA Ltd, FinIQ Consulting Private Ltd and Tata Consultancy Services Ltd.
CFA-L3, PGDM (IIM Ahmedabad), B.E. Computers.
Compare similar funds
No comparable category funds are available yet.
Summary
A high-risk debt scheme - credit risk fund. Losses and swings stayed contained — worst fall -2.6%, volatility 1.3%. Ranks 22 of 86 in its category over 1 year.
Strengths
- Losses and swings stayed contained — worst fall -2.6%, volatility 1.3%.
- Recovered from its worst fall in 3 months.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its high risk level.
Risk drivers
- None