Sign up TODAY and try all premium features FREE for a Month!
Sign Up
Home Mf Research Hsbc Credit Risk Fund Regular Plan Growth
HSBC Mutual Fund

HSBC Credit Risk Fund - Regular Plan - Growth

Debt Debt Credit Risk
Fund House : HSBC Mutual Fund
Overview
Returns
Portfolio
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI
NAV (as on 2025-06-20)
32.29 -0.02%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
1.68%
Expense Ratio (Direct)
0.86%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-13 ₹1,000.00 ₹1,001.06
0.11 %
Two Week 2025-06-05 ₹1,000.00 ₹1,000.03
0.00 %
One Month 2025-05-21 ₹1,000.00 ₹1,002.12
0.21 %
Three Months 2025-03-24 ₹3,000.00 ₹3,261.09
8.70 %
Six Months 2024-12-23 ₹6,000.00 ₹6,757.43
12.62 %
One Year 2024-06-20 ₹12,000.00 ₹13,955.87
16.30 %
Three Year 2022-06-21 ₹36,000.00 ₹45,180.91
25.50 %
Five Year 2020-06-22 ₹60,000.00 ₹79,692.04
32.82 %
Ten Year 2015-06-23 ₹120,000.00 ₹182,201.85
51.83 %
Since Inception 2009-10-08 ₹192,000.00 ₹368,575.23
91.97 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
Nuvoco Vistas Corp Limited - Debt 8.06
Tata Housing Development Company Limited - Debt 5.53
ONGC Petro Additions Limited - Debt 4.15
Aditya Birla Renewables Limited - Debt 4.10
Small Industries Development Bank of India^ - Debt 3.98
Nirma Limited - Debt 0.78
National Bank for Agriculture & Rural Development - Debt 3.94
JSW Steel Limited - Debt 3.86
Tata Projects Limited - Debt 2.30
Godrej Housing Finance Limited - Debt 3.21
Aadhar Housing Finance Limited - Debt 2.31
TVS Credit Services Limited - Debt 2.42
Delhi International Airport Limited - Debt 2.41
Vedanta Limited - Debt 2.36
IndoStar Capital Finance Limited - Debt 2.30
Aditya Birla Real Estate Limited - Debt 1.65
IIFL Finance Limited^ - Debt 1.87
Hinduja Leyland Finance Limited - Debt 1.54
Tata power Company Limited - Debt 0.87
Dhruva XXIV - Debt 2.90
Vajra 011 Trust - Debt 2.25
7.32% GOI BOND 13NOV2030 - Debt 4.87
6.92% INDIA GOVT BOND 18NOV2039 GSEC - Debt 4.79
6.33% INDIA GOVT BOND 05MAY2035 GSEC - Debt 2.31
7.10% GOVT 08-Apr-2034 - Debt 1.62
6.79% INDIA GOV BOND 07OCT2034 GSEC - Debt 1.59
7.18% GOI 24-Jul-2037 - Debt 0.83
Bank of Baroda - Debt 3.62
CDMDF CLASS A2 AIF - 0.25
Treps - Debt 5.33
Net Current Assets (including cash & bank balances) - Cash 0.01
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
-
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) : Shriram Ramanathan (22 years), Kapil Punjabi (17 years),
  • Expense ration regular : 1.68
  • Expense ration direct : 0.86
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹1,000.00
  • Type : debt
Exit load
{"up_to_10%":"Nil within 2 years","over_limit_1_year":"3%","over_limit_1_to_2_years":"2%","after_2_years":"Nil"}

FAQs

Is a Mutual Fund with a Lower NAV Better?
What Are the Charges in Mutual Fund Investments?
What Are the Tax Benefits of Mutual Funds?
Is It a Good Time to Invest in Mutual Funds?
What Is the Difference Between Dividend and Growth Plans?
Should I Invest in Infrastructure Funds?
What Are Sector-Specific Funds/Schemes?
What Happens If I Miss an SIP Payment?
How Can I Compare Different Mutual Funds?