Mutual Funds Investment India - Save Taxes & Grow Wealth Online - ClearTax Invest

HDFC Credit Risk Debt Fund Direct Plan Growth Option

3 yr CAGR




Fund overview


Net Asset Value


AUM (Fund size)

8,830.04 Crore

Lock-in period

No Lock-in

Exit Load

0.5% in 545 days

Expense ratio



Moderately High

Top holdings

Treps - Tri-Party Repo5.68%
Bharti Hexacom Limited4.08%
Indinfravit Trust4.04%
Pipeline Infrastructure Private Limited3.87%
Power Finance Corporation Limited3.54%
Shriram - City Union Finance Limited3.19%
Net Current Assets3.08%
Punjab National Bank2.81%
Coastal Gujarat Power Limited2.63%
Green Infra Wind Energy Limited2.51%

Calculate returns

Monthly (SIP)
₹4,000 invested monthly becomes 0 in a period of 20 years

About HDFC Asset Management Company Limited

HDFC Asset Management Company (AMC) is one of the largest mutual fund companies or AMC in the country.It was incorporated in 1999. It was approved to act as AMC for HDFC Mutual Fund in 2000.


Shobhit Mehrotra, Sankalp Baid


HDFC Bank Ltd


HDFC Asset Management Company Limited “HUL House”, 2nd Floor,

Fax Nos.

+91 22 22821144

Telephone Nos.

+91 22 66316333


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About HDFC Credit Risk Debt Fund - Direct Plan - Growth

The main intention of the HDFC Credit Risk Debt Fund is to create income in the form of capital appreciation in the long run by mostly investing in securities that are rated AA and below, and issued by the corporates

Pros and Cons of HDFC Credit Risk Debt Fund - Direct Plan - Growth

The most significant advantage of investing in HDFC Credit Risk Debt Fund - Direct Plan - Growth is that you get exposure to a diversified portfolio consisting of various debt instruments issued by the corporates. On the flip side, since the instruments in which the fund invests are rated AA and below, there is a slight risk involved.

Fund Information and Statistics

i) Inception/Launch Date

HDFC Credit Risk Debt Fund - Direct Plan - Growth was launched on 14 March 2014.

ii) Risk Level

HDFC Mutual Fund has categorised ‘HDFC Credit Risk Fund’ under the ‘moderately risky’ class of mutual funds.

iii) Redemption

Since HDFC Credit Risk Debt Fund is an open-ended mutual fund scheme, you can redeem your investments at any time.

iv) Fund Manager

Mr Shobit Mehrotra is the current fund manager of HDFC Credit Risk Debt Fund - Direct Plan - Growth.

v) Entry/Exit Load

There is no entry load in order to comply with the Indian market regulator. This fund comes with the exit load as follows: Redemptions made within 12 months from the date of allotment: 1% on units in excess of 15%. Redemptions made after 12 months but within 18 months from the date of allotment: 0.50% on units in excess of 15% No exit load applies on redemptions made after 18 months

About HDFC Mutual Fund

HDFC Mutual Fund is a leading asset management company (AMC) in the country. It started offering mutual funds back in December 1999 when it registered itself with the Indian securities market regulator with Housing Development Finance Corporation Limited and Standard Life Investment Limited as its sponsors. HDFC Trustee Company Limited is its trustee. The assets under management (AUM) of the HDFC fund house stood at a massive Rs 3.56 lakh crore as of June 2020.

Start your investment
Monthly (SIP)
Estimated value after 3 years

(as per historical returns)

2.09 Lakhs
Min investmentment of ₹500 required

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Frequently Asked Questions

What are debt-funds?

Debt funds is an investment vehicle that mainly invest in fixed income securities like corporate bonds, treasury bills, government securities and other money market instruments.

Who should invest in a debt fund?

Debt funds are ideal for investors who want regular income, but are risk-averse. Debt funds are less volatile and, hence, are less risky than equity funds.

What are liquid funds?

Liquid funds is a type of mutual funds which have a very short maturity period, not more than 91 days. The shorter maturity period, makes it almost a risk-free investment.You can get your money out of liquid funds any time without any penalty or cost.

What is a lock-in period?

It is the period for which your money will remain locked in the mutual fund. Most mutuals do not have any lock-in period. ELSS, Tax-Savers, come with a lock-in of 3 years which is the lowest compared to other 80C investment options. Lock-in period is calculated from the date of investment. Meaning SIPs will have different lock-in dates

Is KYC necessary for BLACK?

KYC is necessary for all fund houses. If you are investing through BLACK, you need to do your KYC just once. The same KYC will be used for all further investments.

What is a Mandate (Auto-SIP)?

A Mandate is a one-time registration through which you instruct your bank account to deduct a specified amount of money from your account daily towards investing into a SIP portfolio. Once you register for Mandate, you don’t have to follow the payment process every time you invest in the SIP.