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Home Mf Research Hdfc Credit Risk Debt Fund Regular Plan Growth
HDFC Mutual Fund

HDFC Credit Risk Debt Fund - Regular Plan - Growth

Debt Debt Credit Risk
Fund House : HDFC Mutual Fund
Overview
Returns
Portfolio
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI
NAV (as on 2025-06-12)
24.02 -0.07%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
1.57%
Expense Ratio (Direct)
0.96%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-05 ₹1,000.00 ₹999.23
-0.08 %
Two Week 2025-05-28 ₹1,000.00 ₹1,000.32
0.03 %
One Month 2025-05-13 ₹1,000.00 ₹1,007.18
0.72 %
Three Months 2025-03-17 ₹3,000.00 ₹3,046.38
1.55 %
Six Months 2024-12-16 ₹6,000.00 ₹6,166.89
2.78 %
One Year 2024-06-12 ₹12,000.00 ₹12,590.32
4.92 %
Three Year 2022-06-13 ₹36,000.00 ₹40,748.45
13.19 %
Five Year 2020-06-15 ₹60,000.00 ₹72,221.11
20.37 %
Ten Year 2015-06-15 ₹120,000.00 ₹176,737.44
47.28 %
Since Inception 2014-03-06 ₹138,000.00 ₹214,157.85
55.19 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
7.09% GOI MAT 050854 - Debt 1.53
7.3% GOI MAT 190653 - Debt 1.27
7.34% GOI MAT 220464 - Debt 1.20
7.1% GOI MAT 080434 - Debt 1.15
6.67% GOI MAT 151235 - Debt 1.12
Floating Rate GOI 2034 - Debt 1.08
7.23% GOI MAT 150439 - Debt 0.91
7.18% GOI MAT 240737 - Debt 0.75
7.25% GOI MAT 120663 - Debt 0.59
6.33% GOI MAT 050535 - Debt 0.57
6.92% GOI MAT 181139 - Debt 0.37
Floating Rate GOI 2033 - Debt 0.15
6.64% GOI MAT 160635 - Debt 0.14
7.64% Andhra Pradesh SDL ISD 170124 MAT 170131 - Debt 0.02
SANDUR MANGANESE AND IRON ORES LIMITED - Debt 4.16
Tata Projects Ltd. IND - AA Debt 1.06
The Tata Power Company Ltd. - Debt 3.30
Kalpataru Projects International Ltd - Debt 2.14
Tata Motors Ltd. - Debt 2.71
Bamboo Hotel and Global Centre (Delhi) Private Limited - Debt 2.84
SK FINANCE LIMITED - Debt 2.79
Nirma Ltd. - Debt 1.20
TVS Credit Services Ltd - Debt 2.43
ADITYA BIRLA RENEWABLES LIMITED - Debt 2.15
DLF Home Developers Ltd - Debt 2.12
JSW Energy Ltd. - Debt 2.12
Vastu Finserve India Pvt. Ltd. - Debt 2.11
Kogta Financial India Limited - Debt 0.88
Power Finance Corporation Ltd. - Debt 0.29
Godrej Industries Ltd. - Debt 0.36
Mahindra Rural Housing Finance Ltd IND - AA+ Debt 0.60
Infopark Properties Limited - Debt 1.42
Resco Global Wind Services Pvt. Ltd. - Debt 1.42
Ramco Industries Ltd. - Debt 1.41
Muthoot Capital Services Ltd - Debt 1.32
JM FINANCIAL HOME LOANS LIMITED - Debt 1.07
REC Limited. - Debt 0.15
Nuvoco Vistas Corporation Ltd. - Debt 1.06
IIFL Finance Limited - Debt 1.05
Indian Railways Finance Corp. Ltd. - Debt 0.36
National Bank for Agri & Rural Dev. - Debt 0.73
ONGC Petro Additions Limited (Letter Of Comfort By ONGC Limited) - Debt 0.36
India Grid Trust - Debt 0.28
IKF FINANCE LIMITED - Debt 0.46
LIC Housing Finance Ltd. - Debt 0.55
TATA Capital Housing Finance Ltd. - Debt 0.70
TMF Holdings Ltd. (Perpetual) - Debt 0.42
Motilal Oswal Home Fin Ltd. (Erst Aspire Home Fin) - Debt 0.36
NTPC Limited - Debt 0.14
GERA Development Pvt. Ltd. - Debt 0.35
JM Financial Asset Reconstruction Co. Limited - Debt 0.28
Vajra 009 (PTC backed by loan receivables originated by Veritas Finance Private Limited) - Debt 0.85
Vajra 004 (PTC backed by loan receivables originated by Veritas Finance Private Limited) - Debt 0.73
Indigo 041 (PTC backed by loan receivables originated by Muthoot Capital Services Limited) - Debt 0.40
Vajra 006 (PTC backed by loan receivables originated by Veritas Finance Private Limited) - Debt 0.21
Indus Infra Trust Transport Infrastructure Real Estate 2.00
Capital Infra Trust Construction Real Estate 0.64
POWERGRID Infrastructure Investment Trust Power Real Estate 0.25
Embassy Office Parks REIT Realty Real Estate 1.02
TREPS - Tri-party Repo - Debt 0.60
Corporate Debt Market Development Fund - - 0.33
Net Current Assets - - 2.93
SIP Calculator
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
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
  • Fund manager(s) : Shobhit Mehrotra (Over 31 years),
  • Expense ration regular : 1.57
  • Expense ration direct : 0.96
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹100.00
  • Type : debt
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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