Popular searches
Get to know your policy better
Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Credit Risk Fund • NIFTY Credit Risk Bond Index
HDFC Credit Risk Debt Fund-(G)-Direct Plan
1 Finance Rank:
03
031 Finance Score:
79100
Yield To Maturity Score
57
Quality & Diversification Score
100
Standard Deviation Score
75
Modified Duration Score
71
AUM Score
100
Historical Performance score
65
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 6,743 Cr(As on 31-Mar-2026)NAV
₹ 27.4638(As on 15-May-2026)Expense Ratio
1.07%(As on 31-Mar-2026)Investment Horizon
3 to 5 years
03
Debt • Credit Risk Fund • NIFTY Credit Risk Bond Index
HDFC Credit Risk Debt Fund-(G)-Direct Plan
This fund ranks 3rd out of 14 funds in its category.
AUM₹ 6,743 Cr(As on 31-Mar-2026)
NAV₹ 27.4638(As on 15-May-2026)
Expense Ratio1.07%(As on 31-Mar-2026)
Investment Horizon3 to 5 years
1 Finance Score: 79/100
Yield To Maturity Score
57
Quality & Diversification Score
100
Standard Deviation Score
75
Modified Duration Score
71
AUM Score
100
Historical Performance score
65
Fundamental Ratios
Modified Duration
8.59 yearsAverage Maturity
3.74 yearsYield To Maturity
8.59%Standard Deviation
0.05%Portfolio summary
Asset Allocation
Debt
Others
91.96%
8.04%
Credit Rating
AA
50.50%
AAA
13.51%
SOV
10.56%
Others
5.23%
Cash Eqv.
2.44%
Debt Sector Allocation
Finance
31.95%
Infrastructure
15.18%
G-Sec
10.56%
Others
16.45%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| Sandur Manganese & Iron Ores Ltd. 11.00% (30-Sep-2031) | 4.05% |
| GMR Airports Ltd. BD 5.00% (13-Feb-2027) | 3.87% |
| Tata Projects Ltd.SR-N 08.50% (18-Dec-2026) | 3.62% |
| Coastal Gujarat Power Ltd. -SR-CGPLAU02 09.90% (27-Aug-2028) | 3.30% |
| Jubilant Beverages Ltd. (31-May-2028) | 2.95% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Ability to significantly outperform benchmark returns.
High AUM often signifies stability and credibility, along with being well diversified.
The fund demonstrates a low level of volatility as the standard deviation is low.
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
There is a possibility of lower returns as the fund maintains a low Yield to Maturity (YTM).
Should you invest?
Invest if you are :
- Those willing to invest in slightly lower quality bonds in exchange for slightly higher returns should consider this fund.
Avoid if you are :
- Investors who are not ready to compromise portfolio quality for higher returns should avoid this fund.
*Most financial mistakes aren't about money — they're about personality. Find yours with MoneySign®
Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- To generate income/capital appreciation by investing predominantly in AA and below rated corporate debt. There is no assurance that the investment objective of the Scheme will be realized.
Exit Load
- Nil for 15% of Units, For excess of limits 1% on or before 12M and 0.50% after 12M but on or before 18M, Nil after 18M
Minimum investment amount
Lumpsum
₹ 100 (open for subscription)
Other details
Founded In2014
Email Addresshello@hdfcfund.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Shobhit Mehrotra | 23.1 | 5 |
About HDFC MF
- HDFC Mutual Fund is among the top mutual fund companies known for its consistent performance. It offers a broad spectrum of schemes to help investors achieve their financial goals.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more
We look where past returns don't
Your data security is our top priority
Through a secure infrastructure, RSA-256 encryption, disaster recovery protocols
Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more