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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
HSBC Credit Risk Fund(G)-Direct Plan
1 Finance Rank:
07
071 Finance Score:
70100
Yield To Maturity Score
41
Quality & Diversification Score
92
Standard Deviation Score
100
Modified Duration Score
82
AUM Score
57
Historical Performance score
57
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 476 Cr(As on 31-Mar-2026)NAV
₹ 36.8205(As on 08-May-2026)Expense Ratio
0.96%(As on 31-Mar-2026)Investment Horizon
3 to 5 years
07
Debt • Credit Risk Fund • NIFTY Credit Risk Bond Index
HSBC Credit Risk Fund(G)-Direct Plan
This fund ranks 7th out of 14 funds in its category.
AUM₹ 476 Cr(As on 31-Mar-2026)
NAV₹ 36.8205(As on 08-May-2026)
Expense Ratio0.96%(As on 31-Mar-2026)
Investment Horizon3 to 5 years
1 Finance Score: 70/100
Yield To Maturity Score
41
Quality & Diversification Score
92
Standard Deviation Score
100
Modified Duration Score
82
AUM Score
57
Historical Performance score
57
Fundamental Ratios
Modified Duration
8.24 yearsAverage Maturity
2.05 yearsYield To Maturity
8.24%Standard Deviation
0.4%Portfolio summary
Asset Allocation
Debt
Others
97.97%
2.03%
Credit Rating
AA
60.72%
AAA
20.50%
SOV
11.66%
Cash Eqv.
1.64%
Others
0.00%
Debt Sector Allocation
Finance
22.41%
G-Sec
11.66%
Power
10.99%
Others
14.30%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| Nirma Ltd. SR-VII TR-C 8.50% (07-Apr-2027) | 5.28% |
| REC Ltd. -SR-230-A 07.71% (26-Feb-2027) | 5.25% |
| Power Grid Corpn. of India Ltd. SR-LX 07.2% (09-Aug-2027) | 5.06% |
| Aditya Birla Renewables Ltd. 08.60% (24-Sep-2027) | 5.05% |
| JTPM Metal Traders Ltd. - (30-Apr-2030) | 5.04% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Ability to significantly outperform benchmark returns.
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).
Low AUM may result in limited portfolio diversification.
Historically, the fund has generated low returns.
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.
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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 regular returns and capital appreciation by investing predominantly in AA and below rated corporate bonds, debt, government securities and money market instruments.
Exit Load
- NIL upto 10% of units and 1% for remaining units on or before 1Y, Nil after 1Y
Minimum investment amount
Lumpsum
₹ 5000 (open for subscription)
Other details
Founded In2013
Email Addressinvestor.line@mutualfunds.hsbc.co.in
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Shriram Ramanathan | 15.9 | 11 |
About HSBC MF
- HSBC Mutual Fund is a respected global asset management company (AMC) bringing international fund management expertise to India. It offers various funds tailored to meet diverse investor goals through global research and local insights
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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