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
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI
NAV (as on 2025-06-05)
32.29 0.04%
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 2025-05-29 ₹1,000.00 ₹1,000.75
0.07 %
Two Week 2025-05-21 ₹1,000.00 ₹1,002.09
0.21 %
1 Month 2025-05-06 ₹1,000.00 ₹1,008.23
0.82 %
Three Months 2025-03-07 ₹3,000.00 ₹3,293.82
9.79 %
Six Months 2024-12-09 ₹6,000.00 ₹6,796.98
13.28 %
One Year 2024-06-05 ₹12,000.00 ₹14,000.80
16.67 %
Three Year 2022-06-06 ₹36,000.00 ₹45,419.08
26.16 %
Five Year 2020-06-08 ₹60,000.00 ₹79,974.22
33.29 %
Ten Year 2015-06-08 ₹120,000.00 ₹182,696.47
52.25 %
Since Inception 2009-10-08 ₹191,000.00 ₹367,564.52
92.44 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
Godrej Industries Limited Corporate Bonds Bond 6.66
Godrej Housing Finance Limited Corporate Bonds Bond 5.59
Tata Projects Limited Corporate Bonds Bond 4.69
Nuvoco Vistas Corp Limited Corporate Bonds Bond 4.67
Nirma Limited Corporate Bonds Bond 4.56
Small Industries Development Bank of India Corporate Bonds Bond 4.54
JSW Steel Limited Corporate Bonds Bond 4.51
Jm Financial Services Limited Corporate Bonds Bond 3.72
Hinduja Leyland Finance Limited Corporate Bonds Bond 3.65
Phoenix ARC Limited Corporate Bonds Bond 3.04
Aadhar Housing Finance Limited Corporate Bonds Bond 4.64
TVS Credit Services Limited Corporate Bonds Bond 2.81
TMF Holdings Limited Corporate Bonds Bond 2.70
Oriental Nagpur Betul Highway Limited Corporate Bonds Bond 2.43
ONGC Petro Additions Limited Corporate Bonds Bond 3.55
IndoStar Capital Finance Limited Corporate Bonds Bond 1.76
Tata Power Company Limited Corporate Bonds Bond 1.01
Tata Motors Limited Corporate Bonds Bond 0.96
7.18% GOI 14AUG2033 Government Securities G-SEC 11.92
7.32% GOI BOND 13NOV2030 Government Securities G-SEC 8.17
7.10% GOI 18APR29 Government Securities G-SEC 4.51
7.04% GOI 03JUN29 Government Securities G-SEC 2.68
7.26% GOI 06FEB33 Government Securities G-SEC 0.92
Andhra Pradesh Expressway Limited Alternative Investment Funds AIF 3.12
CDMDF CLASS A2 Alternative Investment Funds AIF 0.26
TREPS Cash Equivalent Cash 3.05
SIP Calculator
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?