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HDFC Credit Risk Debt Fund Direct Growth
DebtCredit RiskModerately High risk
Direct
NAV (21-Nov-24)
₹24.64-0.03%1D
Returns (Since Inception)
8.82%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹7,427 Cr
Expense Ratio
0.99%
ISIN
INF179KA1FZ3
Minimum SIP
₹100
Exit Load
1.00%
Inception Date
25 Mar 2014
About this fund
HDFC Credit Risk Debt Fund Direct Growth is a Credit Risk mutual fund schemes offered by HDFC Mutual Fund. This fund has been in existence for 10 years, 7 months and 28 days, having been launched on 25-Mar-14.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹24.64, Assets Under Management (AUM) of 7427.02 Crores, and an expense ratio of 0.99%.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹24.64, Assets Under Management (AUM) of 7427.02 Crores, and an expense ratio of 0.99%.
- HDFC Credit Risk Debt Fund Direct Growth has given a CAGR return of 8.82% since inception.
- The fund's asset allocation comprises around 2.20% in equities, 89.46% in debts, and 8.05% in cash & cash equivalents.
- You can start investing in HDFC Credit Risk Debt Fund Direct Growth with a SIP of ₹100 or a Lumpsum investment of ₹100.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+9.00%
+7.85% (Cat Avg.)
3 Years
+6.77%
+9.04% (Cat Avg.)
5 Years
+7.84%
+6.55% (Cat Avg.)
10 Years
+8.49%
+6.10% (Cat Avg.)
Since Inception
+8.82%
— (Cat Avg.)
Portfolio Summaryas of 31st October 2024
| Equity | ₹163.35 Cr | 2.20% |
| Debt | ₹6,644.06 Cr | 89.46% |
| Others | ₹619.62 Cr | 8.34% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Sandur Manganese And Iron Ores Limited (The) | Bond - Corporate Bond | ₹296.93 Cr | 3.98% |
| Net Current Assets | Cash | ₹270.88 Cr | 3.63% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹258.88 Cr | 3.47% |
| Tata Projects Limited | Bond - Corporate Bond | ₹251.48 Cr | 3.37% |
| The Tata Power Company Limited | Bond - Corporate Bond | ₹231.39 Cr | 3.10% |
| TATA Motors Limited | Bond - Corporate Bond | ₹201.02 Cr | 2.69% |
| Kalpataru Power Transmission Limited | Bond - Corporate Bond | ₹199.69 Cr | 2.68% |
| Embassy Office Parks Reit | Bond - Asset Backed | ₹197.96 Cr | 2.65% |
| TATA Motors Limited | Bond - Corporate Bond | ₹190.7 Cr | 2.56% |
| TVS Credit Services Limited | Bond - Corporate Bond | ₹180.48 Cr | 2.42% |
| Kalpataru Power Transmission Limited | Bond - Corporate Bond | ₹178.61 Cr | 2.39% |
| Resco Global Wind Services Private Limited | Bond - Corporate Bond | ₹150.47 Cr | 2.02% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹150.37 Cr | 2.02% |
| Vastu Finserv India Private Limited | Bond - Corporate Bond | ₹150.15 Cr | 2.01% |
| Dlf Home Developers Limited | Bond - Corporate Bond | ₹150.1 Cr | 2.01% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹149.98 Cr | 2.01% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹149.95 Cr | 2.01% |
| Hero Housing Finance Limited | Bond - Corporate Bond | ₹149.68 Cr | 2.01% |
| Kalpataru Projects International Ltd. | Bond - Corporate Bond | ₹149.68 Cr | 2.01% |
| Bharat Highways InvIT Unit | Equity | ₹144.81 Cr | 1.94% |
| 7.1% Govt Stock 2029 | Bond - Gov't/Treasury | ₹126.52 Cr | 1.70% |
| Nirma Limited | Bond - Corporate Bond | ₹125.98 Cr | 1.69% |
| Kogta Financial (India) Limited | Bond - Corporate Bond | ₹124.75 Cr | 1.67% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹124.28 Cr | 1.67% |
| 6.54% Govt Stock 2032 | Bond - Gov't/Treasury | ₹118.08 Cr | 1.58% |
| 7.53% Govt Stock 2034 | Bond - Gov't/Treasury | ₹101.1 Cr | 1.36% |
| Mahindra Rural Housing Finance Limited | Bond - Corporate Bond | ₹100.64 Cr | 1.35% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹100.63 Cr | 1.35% |
| Infopark Properties Ltd. | Bond - Corporate Bond | ₹100.35 Cr | 1.34% |
| Aditya Birla Renewables Limited | Bond - Corporate Bond | ₹100.2 Cr | 1.34% |
| Ess KAy Auto Finance Private Limited | Bond - Corporate Bond | ₹99.9 Cr | 1.34% |
| Smfg India Home Finance Company Limited | Bond - Corporate Bond | ₹99.31 Cr | 1.33% |
| 7.3% Govt Stock 2053 | Bond - Gov't/Treasury | ₹83.21 Cr | 1.12% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹78.7 Cr | 1.05% |
| Avanse Financial Services Limited | Bond - Corporate Bond | ₹75.09 Cr | 1.01% |
| Tata Projects Limited | Bond - Corporate Bond | ₹74.81 Cr | 1.00% |
| Nuvoco Vistas Corporation Limited | Bond - Corporate Bond | ₹74.79 Cr | 1.00% |
| JM Financial Home Loans Limited | Bond - Corporate Bond | ₹74.68 Cr | 1.00% |
| JM Financial Home Loans Limited | Bond - Corporate Bond | ₹74.62 Cr | 1.00% |
| Mahindra Rural Housing Finance Limited | Bond - Corporate Bond | ₹69.98 Cr | 0.94% |
| Ongc Petro Additions Ltd. (Opal) (Put On Ongc Ltd.)^ | Bond - Option (Put) | ₹65.41 Cr | 0.88% |
| Treps - Tri-Party Repo | Cash - Repurchase Agreement | ₹65.17 Cr | 0.87% |
| Nirma Limited | Bond - Corporate Bond | ₹65.08 Cr | 0.87% |
| 7.23% Govt Stock 2039 | Bond - Gov't/Treasury | ₹61.95 Cr | 0.83% |
| VAJRA 009 TRUST | Bond - Asset Backed | ₹60.19 Cr | 0.81% |
| VAJRA 004 TRUST | Bond - Asset Backed | ₹52.12 Cr | 0.70% |
| 7.18% Govt Stock 2037 | Bond - Gov't/Treasury | ₹51.23 Cr | 0.69% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹50.55 Cr | 0.68% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹50.5 Cr | 0.68% |
| Power Finance Corp Ltd. | Bond - Corporate Bond | ₹50.49 Cr | 0.68% |
| Indostar Capital Finance Limited | Bond - Corporate Bond | ₹49.98 Cr | 0.67% |
| India Grid TRust | Bond - Corporate Bond | ₹49.44 Cr | 0.66% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹49.09 Cr | 0.66% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹48.59 Cr | 0.65% |
| 7.26% Govt Stock 2033 | Bond - Gov't/Treasury | ₹46.1 Cr | 0.62% |
| Mahindra Rural Housing Finance Limited | Bond - Corporate Bond | ₹41.59 Cr | 0.56% |
| 7.25% Govt Stock 2063 | Bond - Gov't/Treasury | ₹41.3 Cr | 0.55% |
| Andhra Pradesh (Government of) 7.64% | Bond - Sub-sovereign Government Debt | ₹38.27 Cr | 0.51% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹38.07 Cr | 0.51% |
| Tata Projects Limited | Bond - Corporate Bond | ₹30 Cr | 0.40% |
| Tmf Holdings Limited | Bond - Corporate Bond | ₹29.13 Cr | 0.39% |
| Chhattisgarh (Government of) 7.67% | Bond - Sub-sovereign Government Debt | ₹25.84 Cr | 0.35% |
| 7.93% Govt Stock 2033 | Bond - Gov't/Treasury | ₹25.73 Cr | 0.34% |
| TVS Credit Services Limited | Bond - Corporate Bond | ₹25.25 Cr | 0.34% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹25.24 Cr | 0.34% |
| Ntpc Limited | Bond - Corporate Bond | ₹25.24 Cr | 0.34% |
| Ntpc Limited | Bond - Corporate Bond | ₹25.21 Cr | 0.34% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹25.12 Cr | 0.34% |
| JM Financial Products Limited | Bond - Corporate Bond | ₹25.03 Cr | 0.34% |
| JM Financial Asset Reconstruction Company Limited | Bond - Corporate Bond | ₹24.99 Cr | 0.33% |
| Gera Developments Private Limited | Bond - Corporate Bond | ₹24.99 Cr | 0.33% |
| Gera Developments Private Limited | Bond - Corporate Bond | ₹24.94 Cr | 0.33% |
| Gera Developments Private Limited | Bond - Corporate Bond | ₹24.88 Cr | 0.33% |
| Gera Developments Private Limited | Bond - Corporate Bond | ₹24.83 Cr | 0.33% |
| Gera Developments Private Limited | Bond - Corporate Bond | ₹24.79 Cr | 0.33% |
| Gera Developments Private Limited | Bond - Corporate Bond | ₹24.76 Cr | 0.33% |
| Gera Developments Private Limited | Bond - Corporate Bond | ₹24.76 Cr | 0.33% |
| Gera Developments Private Limited | Bond - Corporate Bond | ₹24.72 Cr | 0.33% |
| Corporate Debt Market Development Fund | Mutual Fund - Open End | ₹22.19 Cr | 0.30% |
| Power Finance Corporation Ltd. | Bond - Corporate Bond | ₹20.68 Cr | 0.28% |
| Power Finance Corporation Ltd. | Bond - Corporate Bond | ₹20.62 Cr | 0.28% |
| Power Finance Corporation Ltd. | Bond - Corporate Bond | ₹20.51 Cr | 0.27% |
| Power Finance Corporation Ltd. | Bond - Corporate Bond | ₹20.42 Cr | 0.27% |
| JM Financial Asset Reconstruction Company Limited | Bond - Corporate Bond | ₹19.93 Cr | 0.27% |
| India Grid TRust | Bond - Corporate Bond | ₹19.67 Cr | 0.26% |
| POWERGRID Infrastructure Investment Trust Units | Equity | ₹19.29 Cr | 0.26% |
| Arka Fincap Limited | Bond - Corporate Bond | ₹17.49 Cr | 0.23% |
| VAJRA 006 TRUST | Bond - Asset Backed | ₹15.12 Cr | 0.20% |
| JM Financial Asset Reconstruction Company Limited | Bond - Corporate Bond | ₹14.99 Cr | 0.20% |
| Rajasthan (Government of ) 7.66% | Bond - Sub-sovereign Government Debt | ₹14.35 Cr | 0.19% |
| Rec Limited | Bond - Corporate Bond | ₹10.58 Cr | 0.14% |
| Rec Limited | Bond - Corporate Bond | ₹10.22 Cr | 0.14% |
| Ntpc Limited | Bond - Corporate Bond | ₹10.11 Cr | 0.14% |
| Tamil Nadu (Government of) 7.6% | Bond - Sub-sovereign Government Debt | ₹5.14 Cr | 0.07% |
| 7.26% Govt Stock 2032 | Bond - Gov't/Treasury | ₹5.13 Cr | 0.07% |
| 7.17% Govt Stock 2030 | Bond - Gov't/Treasury | ₹3.32 Cr | 0.04% |
Allocation By Credit Quality (Debt)
AAA
AA
A
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹144.81 Cr | 1.94% |
Risk & Performance Ratios
Standard Deviation
This fund
1.18%
Cat. avg.
6.91%
Lower the better
Sharpe Ratio
This fund
0.64
Cat. avg.
0.22
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
5.53
Higher the better
Fund Managers
Shobhit Mehrotra
Since March 2014
DM
Dhruv Muchhal
Since June 2023
Additional Scheme Detailsas of 31st October 2024
ISIN INF179KA1FZ3 | Expense Ratio 0.99% | Exit Load 1.00% | Fund Size ₹7,427 Cr | Age 10 years 7 months | Lumpsum Minimum ₹100 | Fund Status Open Ended Investment Company | Benchmark NIFTY Credit Risk Bond TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Credit Risk Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Bandhan Credit Risk Fund Regular Growth Moderately High risk | 1.7% | 1.0% | ₹305.41 Cr | 7.4% |
| Bandhan Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 1.0% | ₹305.41 Cr | 8.5% |
| Aditya BSL Credit Risk Fund Regular Growth Moderately High risk | 1.5% | 3.0% | ₹935.68 Cr | 11.9% |
| Aditya BSL Credit Risk Fund Direct Growth Moderately High risk | 0.7% | 3.0% | ₹935.68 Cr | 12.9% |
| Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹165.00 Cr | 8.3% |
| Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk | 0.8% | 1.0% | ₹165.00 Cr | 9.2% |
| UTI Credit Risk Fund Regular Growth Moderately High risk | 1.6% | 1.0% | ₹324.65 Cr | 8.0% |
| Nippon India Credit Risk Fund Regular Growth High Risk | 1.5% | 1.0% | ₹991.65 Cr | 8.2% |
| SBI Credit Risk Fund Regular Growth High Risk | 1.6% | 3.0% | ₹2303.51 Cr | 8.0% |
| DSP Credit Risk Fund Regular Growth Moderately High risk | 1.1% | 1.0% | ₹188.14 Cr | 7.8% |
About the AMC
HDFC Mutual Fund
Total AUM
₹7,39,434 Cr
Address
“HUL House”, 2nd Floor, Mumbai, 400 020
Other Funds by HDFC Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
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What is the current NAV of HDFC Credit Risk Debt Fund Direct Growth?
The NAV of HDFC Credit Risk Debt Fund Direct Growth, as of 21-Nov-2024, is ₹24.64.
What are the returns of HDFC Credit Risk Debt Fund Direct Growth?
The fund has generated 9.00% over the last 1 year and 6.77% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of HDFC Credit Risk Debt Fund Direct Growth?
The fund's allocation of assets is distributed as 2.20% in equities, 89.46% in bonds, and 8.05% in cash and cash equivalents.
Who manages the HDFC Credit Risk Debt Fund Direct Growth?
The fund managers responsible for HDFC Credit Risk Debt Fund Direct Growth are:-
- Shobhit Mehrotra
- Dhruv Muchhal
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.