Hdfc Credit Risk Debt Fund Overview
Category Credit Risk Fund
BMSMONEY Rank 9
Rating
Growth Option 18-07-2025
NAV ₹24.23(R) +0.08% ₹26.18(D) +0.08%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 8.97% 7.63% 7.16% 7.62% 7.73%
Direct 9.61% 8.28% 7.79% 8.23% 8.46%
Benchmark
SIP (XIRR) Regular -7.51% 2.55% 5.45% 6.62% 6.67%
Direct -6.99% 3.19% 6.11% 7.26% 7.33%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.95 1.38 0.76 3.34% 0.04
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.92% 0.0% 0.0% 0.42 0.64%
Fund AUM As on: 30/06/2025 7147 Cr

NAV Date: 18-07-2025

Scheme Name NAV Rupee Change Percent Change
HDFC Credit Risk Debt Fund - Quarterly IDCW Option 10.39
0.0100
0.0800%
HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan 10.72
0.0100
0.0800%
HDFC Credit Risk Debt Fund - IDCW Option 22.31
0.0200
0.0800%
HDFC Credit Risk Debt Fund - IDCW Option - Direct Plan 22.95
0.0200
0.0800%
HDFC Credit Risk Debt Fund - Growth Option 24.23
0.0200
0.0800%
HDFC Credit Risk Debt Fund - Growth Option - Direct Plan 26.18
0.0200
0.0800%

Review Date: 18-07-2025

Beginning of Analysis

Hdfc Credit Risk Debt Fund is the 9th ranked fund in the Credit Risk Fund category. The category has total 13 funds. The Hdfc Credit Risk Debt Fund has shown a poor past performence in Credit Risk Fund. The fund has a Jensen Alpha of 3.34% which is lower than the category average of 5.45%, showing poor performance. The fund has a Sharpe Ratio of 1.95 which is higher than the category average of 1.8.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Credit Risk Mutual Funds are designed for investors seeking higher returns by taking on higher credit risk. While they offer the potential for attractive yields, they come with significant risks, including the possibility of default and higher volatility. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, it is crucial to choose funds managed by experienced fund managers with a proven track record in managing credit risk.

Hdfc Credit Risk Debt Fund Return Analysis

  • The fund has given a return of 0.8%, 2.24 and 5.08 in last one, three and six months respectively. In the same period the category average return was 0.72%, 3.02% and 7.48% respectively.
  • Hdfc Credit Risk Debt Fund has given a return of 9.61% in last one year. In the same period the Credit Risk Fund category average return was 12.13%.
  • The fund has given a return of 8.28% in last three years and ranked 9.0th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 9.27%.
  • The fund has given a return of 7.79% in last five years and ranked 9th out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 10.24%.
  • The fund has given a return of 8.46% in last ten years and ranked 5th out of 12 funds in the category. In the same period the category average return was 7.34%.
  • The fund has given a SIP return of -6.99% in last one year whereas category average SIP return is -4.02%. The fund one year return rank in the category is 11th in 14 funds
  • The fund has SIP return of 3.19% in last three years and ranks 10th in 13 funds. Dsp Credit Risk Fund has given the highest SIP return (13.48%) in the category in last three years.
  • The fund has SIP return of 6.11% in last five years whereas category average SIP return is 8.63%.

Hdfc Credit Risk Debt Fund Risk Analysis

  • The fund has a standard deviation of 0.92 and semi deviation of 0.64. The category average standard deviation is 1.65 and semi deviation is 0.77.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.02 and the maximum drawdown is -0.04. The fund has a beta of 0.44 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Credit Risk Fund Category
  • Good Performance in Credit Risk Fund Category
  • Poor Performance in Credit Risk Fund Category
  • Very Poor Performance in Credit Risk Fund Category

  • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.75
    0.66
    0.46 | 1.03 4 | 14 Very Good
    3M Return % 2.10
    2.83
    1.30 | 12.84 7 | 14 Good
    6M Return % 4.79
    7.08
    3.49 | 18.46 10 | 14 Average
    1Y Return % 8.97
    11.28
    6.08 | 22.94 9 | 14 Average
    3Y Return % 7.63
    8.43
    5.79 | 14.76 9 | 13 Average
    5Y Return % 7.16
    9.40
    5.57 | 26.71 8 | 13 Good
    7Y Return % 7.62
    5.78
    -1.52 | 8.13 4 | 13 Very Good
    10Y Return % 7.73
    6.48
    1.75 | 8.24 5 | 12 Good
    1Y SIP Return % -7.51
    -4.73
    -9.71 | 9.70 11 | 14 Average
    3Y SIP Return % 2.55
    3.67
    0.48 | 12.59 9 | 13 Average
    5Y SIP Return % 5.45
    7.78
    4.34 | 21.30 11 | 13 Average
    7Y SIP Return % 6.62
    7.32
    4.57 | 13.72 6 | 13 Good
    10Y SIP Return % 6.67
    6.37
    2.94 | 8.88 6 | 12 Good
    Standard Deviation 0.92
    1.65
    0.69 | 6.77 7 | 13 Good
    Semi Deviation 0.64
    0.77
    0.39 | 2.09 8 | 13 Good
    Max Drawdown % 0.00
    -0.04
    -0.36 | 0.00 10 | 13 Average
    VaR 1 Y % 0.00
    -0.02
    -0.24 | 0.00 12 | 13 Average
    Average Drawdown % 0.00
    -0.03
    -0.15 | 0.00 10 | 13 Average
    Sharpe Ratio 1.95
    1.80
    0.13 | 3.22 5 | 13 Good
    Sterling Ratio 0.76
    0.84
    0.58 | 1.46 9 | 13 Average
    Sortino Ratio 1.38
    2.68
    0.08 | 6.53 10 | 13 Average
    Jensen Alpha % 3.34
    5.45
    1.46 | 17.52 12 | 13 Average
    Treynor Ratio 0.04
    0.04
    -0.24 | 0.14 9 | 13 Average
    Modigliani Square Measure % 9.35
    8.34
    2.88 | 12.88 6 | 13 Good
    Alpha % -1.88
    -1.33
    -3.77 | 3.28 8 | 13 Good
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2025
    KPIs: Key Performance Indicators

    Rotate the phone! Best viewed in landscape mode on mobile.
    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.80 0.72 0.51 | 1.10 4 | 14
    3M Return % 2.24 3.02 1.49 | 13.04 7 | 14
    6M Return % 5.08 7.48 3.69 | 18.90 11 | 14
    1Y Return % 9.61 12.13 6.48 | 23.89 10 | 14
    3Y Return % 8.28 9.27 6.12 | 15.67 9 | 13
    5Y Return % 7.79 10.24 6.60 | 27.09 9 | 13
    7Y Return % 8.23 6.61 -1.24 | 9.00 4 | 13
    10Y Return % 8.46 7.34 1.99 | 9.22 5 | 12
    1Y SIP Return % -6.99 -4.02 -9.37 | 10.53 11 | 14
    3Y SIP Return % 3.19 4.50 0.84 | 13.48 10 | 13
    5Y SIP Return % 6.11 8.63 5.40 | 21.72 11 | 13
    7Y SIP Return % 7.26 8.15 5.32 | 14.05 8 | 13
    10Y SIP Return % 7.33 7.19 3.73 | 9.70 5 | 12
    Standard Deviation 0.92 1.65 0.69 | 6.77 7 | 13
    Semi Deviation 0.64 0.77 0.39 | 2.09 8 | 13
    Max Drawdown % 0.00 -0.04 -0.36 | 0.00 10 | 13
    VaR 1 Y % 0.00 -0.02 -0.24 | 0.00 12 | 13
    Average Drawdown % 0.00 -0.03 -0.15 | 0.00 10 | 13
    Sharpe Ratio 1.95 1.80 0.13 | 3.22 5 | 13
    Sterling Ratio 0.76 0.84 0.58 | 1.46 9 | 13
    Sortino Ratio 1.38 2.68 0.08 | 6.53 10 | 13
    Jensen Alpha % 3.34 5.45 1.46 | 17.52 12 | 13
    Treynor Ratio 0.04 0.04 -0.24 | 0.14 9 | 13
    Modigliani Square Measure % 9.35 8.34 2.88 | 12.88 6 | 13
    Alpha % -1.88 -1.33 -3.77 | 3.28 8 | 13
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Hdfc Credit Risk Debt Fund NAV Regular Growth Hdfc Credit Risk Debt Fund NAV Direct Growth
    18-07-2025 24.2278 26.1838
    17-07-2025 24.2087 26.1628
    16-07-2025 24.1958 26.1484
    15-07-2025 24.1968 26.1491
    14-07-2025 24.1898 26.1411
    11-07-2025 24.1706 26.1191
    10-07-2025 24.1574 26.1044
    09-07-2025 24.1734 26.1213
    08-07-2025 24.1719 26.1192
    07-07-2025 24.1723 26.1192
    04-07-2025 24.1609 26.1056
    03-07-2025 24.1434 26.0864
    02-07-2025 24.1255 26.0665
    01-07-2025 24.1107 26.0501
    30-06-2025 24.0838 26.0206
    27-06-2025 24.072 26.0066
    26-06-2025 24.0804 26.0153
    25-06-2025 24.0743 26.0083
    24-06-2025 24.0809 26.015
    23-06-2025 24.0659 25.9983
    20-06-2025 24.0391 25.9682
    19-06-2025 24.0401 25.9688
    18-06-2025 24.0479 25.9768

    Fund Launch Date: 06/Mar/2014
    Fund Category: Credit Risk Fund
    Investment Objective: To generate income/capital appreciation by investing predominantly in AA and below rated corporate debt. There is no assurance that the investment objective of the Scheme will be realized.
    Fund Description: An open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds)
    Fund Benchmark: Crisil Short Term Bond Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.