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DEBT•CREDIT RISK FUND

HDFC Credit Risk Debt Fund

3 Year return

8.19%
NAV on December 26, 2025
26.8859
1D Returns
+0.03%
Launched on March 2014(11 years)

Investment Details

₹100
Minimum SIP Amount
₹100
Minimum one time investment
Fund has no lock-in period

Calculate Returns

Based on past performance of this fund

₹
Your Investment₹3,600
Gain
13.69%₹493
Total Value ₹4,093

Risk Involved

scale
Your principal will be at
Very High Risk

Scheme Information

Asset Under Management
₹7,012.56 Cr.
Expense Ratio
1.02% (inclusive of GST)
Exit Load
In respect of each purchase/switch-in of Units, 15% of the units (the limit) may be redeemed witout any exit load from the date of allotment. 1.00% - If redeemed/switched out within 12 months from the date of allotment. 0.50% - If redeemed/switched out after 12 months but within 18 months from the date of allotment. Nil - If redeemed/switched out after 18 months from the date of allotment.

Ratings

ARQ Rating
5

Ratings by other agencies

Value Research
4
Crisil
3
Morning Star
5

Tax Implications

Tax on gains as per your income tax bracket

HDFC Mutual Fund Manager

DM

Dhruv Muchhal

Fund Manager since Jun 2023

SM

Shobhit Mehrotra

Fund Manager since Sep 2007

Fund House Details

HDFC Mutual Fund

HDFC Mutual Fund

Asset management company

AUM
₹8,93,027.76 Cr.
No. of Schemes
182
Setup Date
July 2000

Peer Comparison

Comparison with other similar funds

Funds3 Y ReturnsARQ Rating
Baroda BNP Paribas Credit Risk Fund8.6646%
3.5
UTI Credit Risk Fund7.9736%
3
Aditya Birla Sun Life Credit Risk Fund11.6541%
5

Schemes by HDFC Mutual Fund

List of mutual fund schemes by AMC

About HDFC Credit Risk Debt Fund Growth Direct Plan

HDFC Credit Risk Debt Fund Growth Direct Plan is a Debt Mutual Fund Scheme managed by HDFC Mutual Fund. This scheme offers investors the opportunity to invest in a diverse portfolio of debt securities with varying maturities. The fund focuses on investing in corporate debt rated AA and below to generate income over time. It is designed to cater to investors looking for exposure to corporate debt instruments while understanding the associated credit risks.

Investment Objective of the Scheme

The investment objective of the HDFC Credit Risk Debt Fund Growth Direct Plan is to generate income and capital appreciation. The fund aims to achieve this by predominantly investing in corporate debt instruments rated AA and below. By carefully selecting and managing its debt holdings, the scheme endeavours to strike a balance between generating attractive yields and managing credit risks. It is essential to note that investments in lower-rated debt securities come with an inherent risk, and the fund's performance is subject to fluctuations in credit quality and interest rate changes.

Key Features of The Fund

5-year return
7.3206%
Expense Ratio
1.02%
Fund Manager
Dhruv Muchhal
Fund Size
₹7012.56 Cr.
Risk Profile
Moderately High

Is This Scheme Right for Me?

The suitability of HDFC Credit Risk Debt Fund Growth Direct Plan depends on an investor's individual financial goals, risk tolerance, and investment horizon. As the scheme's portfolio contains varying maturities, it is sensitive to changes in interest rates. Investors with a lower risk appetite might consider funds with lower maturity and duration within the category.

AMC Contact Details

NameHDFC Mutual Fund
Launch DateJuly 2000
Address"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai - 400020
Contact1800 3010 67671800 419 7676
Emailhello@hdfcfund.com
Websitehttps://www.hdfcfund.com/
Disclaimer: Mutual funds are subject to market risk. Read all scheme-related documents carefully to make informed-decision.

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FAQs

NAV, or Net Asset Value, is the price of a single unit of a mutual fund. It is calculated by dividing the current value of holdings held by the mutual fund scheme at the end of the day by the total number of units issued. The NAV changes every day. The NAV of HDFC Credit Risk Debt Fund on December 26, 2025, is ₹26.8859
Short for Asset Under Management, AUM means the total assets held by a mutual fund scheme. The AUM of the fund changes every day based on the fluctuation in the price of the underlying assets. Fund houses don't update AUM on a daily basis. They only update it at the end of the month and release it within a few days of the following month. The AUM of HDFC Credit Risk Debt Fund, is ₹7012.56 crore.
The expense ratio is the annual charges you pay to the mutual fund house for managing your investments. It is a percentage of Assets Under Management. It is deducted from the fund's returns. The expense ratio of HDFC Credit Risk Debt Fund is 1.02%
The HDFC Credit Risk Debt Fund was launched on March 06, 2014. The fund has delivered a CAGR of undefined since inception.
A Systematic Investment Plan (SIP) in mutual funds allows you to invest small amounts periodically instead of a one-time investment. The frequency of investment can be monthly, quarterly, half-yearly or annually, as per your convenience. The minimum SIP for HDFC Credit Risk Debt Fund is ₹100.
  1. Make sure you are logged in to Angel One.
  2. Select the type of investment: SIP or one-time.
  3. In case of an SIP, select the amount and date and click ‘Start SIP’. In case of a one-time investment, enter just the amount.
  4. Proceed by clicking the pay button and choosing your mode of payment.
  5. Your portfolio will be updated with this investment in 3-5 working days.
  1. Click on the ‘Invest’ button.
  2. Enter your desired SIP amount and the SIP date.
  3. You can uncheck the ‘Make first payment now’ box if you don’t want to make the payment right away.
  4. Choose your payment method between UPI and Net Banking.
  5. Make your payment.
  6. Your SIP is created.
  1. Once you create an SIP, click on ‘Set up autopay’
  2. Select your desired verification method - debit card, net banking or Aadhar method credentials - and click on submit.
  3. Once you verify the OTP, your mandate request will be created.
  1. Go to the ‘Investments’ section and click on the mutual fund scheme you want to withdraw.
  2. Enter the amount you want to withdraw and tap the ‘Withdraw’ button.
  3. Verify the details on the ‘Confirm withdraw’ screen.
  4. Select the bank account in which you want to receive the funds.
  5. You will receive your funds within three working days of placing the order.
  6. You can track your order in the ‘Orders’ section.

ENTER AMOUNT

₹
₹4,093 in 3Y at 8.189% returns
SIP Date1st of every month

Your next SIP Payment will be on 29 January 2026

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