Home Mf Research Hdfc Credit Risk Debt Fund Regular Plan Growth

HDFC Credit Risk Debt Fund - Regular Plan - Growth

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Fund info
NAV (as on 2025-07-17)
24.21 0.05%
AUM (Fund Size)
N/A
Expense Ratio
1.57%
Exit load
1.00% if redeemed within 12 months; 0.50% if redeemed after 12 months but within 18 months; No exit load after 18 months.
Risk
N/A
AMC
HDFC Mutual Fund
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-10 ₹1,000.00 ₹1,002.12
0.21 %
Two Week 2025-07-02 ₹1,000.00 ₹1,003.45
0.34 %
One Month 2025-06-17 ₹1,000.00 ₹1,006.83
0.68 %
Three Months 2025-04-21 ₹3,000.00 ₹3,036.14
1.20 %
Six Months 2025-01-20 ₹6,000.00 ₹6,158.67
2.64 %
One Year 2024-07-18 ₹12,000.00 ₹12,580.38
4.84 %
Three Year 2022-07-18 ₹36,000.00 ₹40,765.43
13.24 %
Five Year 2020-07-20 ₹60,000.00 ₹72,256.56
20.43 %
Ten Year 2015-07-20 ₹120,000.00 ₹176,815.61
47.35 %
Since Inception 2014-03-06 ₹139,000.00 ₹216,811.22
55.98 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity N/A
Debt 40%
Others 2%

Sectors Holding in HDFC Credit Risk Debt Fund - Regular Plan - Growth

Other
41%
IND - AA
1%
IND - AA+
0%
Transport Infrastructure
2%
Construction
0%
Power
0%
Realty
1%

Companies Holding in HDFC Credit Risk Debt Fund - Regular Plan - Growth

7.09% GOI MAT 050854
1.53%
7.3% GOI MAT 190653
1.27%
7.34% GOI MAT 220464
1.20%
7.1% GOI MAT 080434
1.15%
6.67% GOI MAT 151235
1.12%
Floating Rate GOI 2034
1.08%
7.23% GOI MAT 150439
0.91%
7.18% GOI MAT 240737
0.75%
7.25% GOI MAT 120663
0.59%
6.33% GOI MAT 050535
0.57%
6.92% GOI MAT 181139
0.37%
Floating Rate GOI 2033
0.15%
6.64% GOI MAT 160635
0.14%
7.64% Andhra Pradesh SDL ISD 170124 MAT 170131
0.02%
SANDUR MANGANESE AND IRON ORES LIMITED
4.16%
Tata Projects Ltd.
1.06%
The Tata Power Company Ltd.
3.30%
Kalpataru Projects International Ltd
2.14%
Tata Motors Ltd.
2.71%
Bamboo Hotel And Global Centre (Delhi) Private Limited
2.84%
SK FINANCE LIMITED
2.79%
Nirma Ltd.
1.20%
TVS Credit Services Ltd
2.43%
ADITYA BIRLA RENEWABLES LIMITED
2.15%
DLF Home Developers Ltd
2.12%
JSW Energy Ltd.
2.12%
Vastu Finserve India Pvt. Ltd.
2.11%
Kogta Financial India Limited
0.88%
Power Finance Corporation Ltd.
0.29%
Godrej Industries Ltd.
0.36%
Mahindra Rural Housing Finance Ltd
0.60%
Infopark Properties Limited
1.42%
Resco Global Wind Services Pvt. Ltd.
1.42%
Ramco Industries Ltd.
1.41%
Muthoot Capital Services Ltd
1.32%
JM FINANCIAL HOME LOANS LIMITED
1.07%
REC Limited.
0.15%
Nuvoco Vistas Corporation Ltd.
1.06%
IIFL Finance Limited
1.05%
Indian Railways Finance Corp. Ltd.
0.36%
National Bank For Agri & Rural Dev.
0.73%
ONGC Petro Additions Limited (Letter Of Comfort By ONGC Limited)
0.36%
India Grid Trust
0.28%
IKF FINANCE LIMITED
0.46%
LIC Housing Finance Ltd.
0.55%
TATA Capital Housing Finance Ltd.
0.70%
TMF Holdings Ltd. (Perpetual)
0.42%
Motilal Oswal Home Fin Ltd. (Erst Aspire Home Fin)
0.36%
NTPC Limited
0.14%
GERA Development Pvt. Ltd.
0.35%
JM Financial Asset Reconstruction Co. Limited
0.28%
Vajra 009 (PTC Backed By Loan Receivables Originated By Veritas Finance Private Limited)
0.85%
Vajra 004 (PTC Backed By Loan Receivables Originated By Veritas Finance Private Limited)
0.73%
Indigo 041 (PTC Backed By Loan Receivables Originated By Muthoot Capital Services Limited)
0.40%
Vajra 006 (PTC Backed By Loan Receivables Originated By Veritas Finance Private Limited)
0.21%
Indus Infra Trust
2.00%
Capital Infra Trust
0.64%
POWERGRID Infrastructure Investment Trust
0.25%
Embassy Office Parks REIT
1.02%
TREPS - Tri-party Repo
0.60%
Corporate Debt Market Development Fund
0.33%
Net Current Assets
2.93%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity 3.14

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
1.57
Expense Ratio Direct
0.96
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Shobhit Mehrotra
Over 31 years Experience

Exit load

1.00% if redeemed within 12 months; 0.50% if redeemed after 12 months but within 18 months; No exit load after 18 months.

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