Sharpe ratio
0.71Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.98%1Y Absolute Return
+0.00%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 |
|---|---|---|---|---|
| HSBC Credit Risk Fund - Direct GrowthFund 3Y annualised return · 5Y history unavailable | ₹9,75,751 | ₹7,32,612 | ₹2,43,139 | +11.65% |
| 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₹1.11
₹1 Lakh since launch₹1.11 Lakh
Fund age4.0 yrs
Fund information
Scheme code151045
ISININF917K01UH8
BenchmarkNIFTY Credit Risk Bond Index B-II
CategoryDebt Scheme - Credit Risk Fund
Expense ratio0.97%
Exit loadExit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 Year.
Minimum SIP₹1,000 SIP
Return comparison
32nd / 86 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.83% | — | — |
| 3M | +3.70% | — | — |
| 6M | +7.13% | — | — |
| 1Y | +5.98% | — | +4.07% |
| 3Y | +11.65% | — | +5.67% |
| Since Launch | +10.55% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
12.64Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
0.96%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
27.42How 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%
Debt95.07%
Real Estate2.50%
Cash2.43%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 30 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| NUVOCO VISTAS CORPORATION LIMITED 7.7 NCD 18SP28 FVRS1LAC | Materials | Debenture | 7.85% |
| GOVERNMENT OF INDIA 36232 GOI 21JL30 6.01 FV RS 100 | Entities | GOI Securities | 6.48% |
| JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC | Materials | Debenture | 5.7% |
| ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC | Energy & Utilities | Bonds/NCDs | 5.68% |
| Power Grid Corpn. Of India Ltd. 7.2 09/08/2027 | Energy & Utilities | Debenture | 5.67% |
| GODREJ SEEDS & GENETICS LIMITED SR 2 STRPP 7.68 NCD 28AP28 FVRS1LAC | Consumer Staples | Non Convertible Debenture | 5.67% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26A 6.66 BD 12OT28 FVRS1LAC | Financial | Debenture | 5.51% |
| NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC | Consumer Staples | Debenture | 5.5% |
| POWER FINANCE CORPORATION LIMITED SR 259A 6.96 BD 02MR28 FVRS1LAC | Financial | Debenture | 5.42% |
| JSW Kalinga Steel Ltd. | Materials | Debenture | 4.37% |
Fund management
SH
Shriram Ramanathan
Since 2012 · Prior to joining HSBC Mutual Fund, he has worked with L&T MF, FIL Fund Management Pvt. Ltd., ING Investment Management, Zurich Asset Management Co., ICICI Ltd., and L&T Ltd.
Shriram is a B.E. (Electrical), PGDBM from XLRI Jamshedpur and CFA.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk debt scheme - credit risk fund. Losses and swings stayed contained — worst fall -0.4%, volatility 1.0%. Ranks 32 of 86 in its category over 1 year.
Strengths
- Losses and swings stayed contained — worst fall -0.4%, volatility 1.0%.
- Recovered from its worst fall in 0 months.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderately high risk level.
Risk drivers
- None