HDFC Credit Risk Debt Fund Growth Option - Latest NAV ₹17.5542, Returns, Performance & Portfolio

HDFC Credit Risk Debt Fund Growth Option

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Start your investment

Min amount: ₹300

Calculate Returns

Rs. 1,000 invested monthly becomes Rs. 6.1 Lakhs in a period of 20 years

Fund Summarystar

PeriodReturns(per year)
10 Years--
5 Years8.23%
3 Years7.46%
1 Year10.18%
6 Months6.35%
Fund Details
RiskModerate Risk
Fund TypeCredit Risk
Exit Load1% for 365 Days

More about this fundstar

Top HoldingsWeightage
Pipeline Infrastructure Private Limited7.26%
Indinfravit Trust5.71%
Power Finance Corporation Limited5.01%
Shriram - City Union Finance Limited4.34%
Punjab National Bank4.32%
DLF Limited4.05%
Vedanta Limited3.62%
Tata Motors Limited3.17%
Tata Motors Limited3.02%
DLF Limited2.4%

About HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund is an open-ended debt fund investing in AA and below rated corporate bonds. The scheme may even invest in securitised debts, money market instruments, REITs and InvlTs, but will not invest in AA+ rated bonds. The fund strives to generate income and provide capital appreciation over short to medium term.

Pros & Cons of HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund offers the following benefits:

  • The fund empowers investors to earn returns by investing in AA Bonds and leveraging the higher interest rates compared to sovereign or AAA bonds.
  • The fund also maintains a well-diversified portfolio across individual credit issuers and business groups.
  • Long-term (3-year) fund returns are higher than the average category return.

Fund Information and Statistics of HDFC Credit Risk Debt Fund

Inception / Launch date

The HDFC Credit Risk Debt Fund was offered on March 25, 2014, by HDFC Mutual Fund.

Risk level

Your investments in this fund will be at moderate risk.


The units can be redeemed on any business day at the NAV prices. Under normal circumstances, your fund house will dispatch the redemption proceeds within 10 business days.

Fund Manager

The fund is managed by Mr Shobhit Mehrotra since March 25, 2014. He is an MBA from Clemson University, USA. Prior to joining HDFC AMC, he has worked with Templeton AMC and ICRA.

Entry / Exit load

The fund house does not charge any entry load or exit load if up to 15% units are redeemed in the first year. A 1% exit load is charged if the remaining units are sold before 12 months, and 0.5% exit load is charged if sold between 12 months to 18 months. No exit load is charged if redeemed after 18 months from the date of allotment.

Tax benefits of investing in HDFC Credit Risk Debt Fund

  • The Short-term capital gain tax is applicable as per the income tax slab if sold before 36 months.
  • If the investments are redeemed after 36 months, a long-term capital gain tax of 20% with indexation is levied.

About HDFC Mutual Fund

HDFC Mutual Fund is a renowned player in the space due to its high levels of ethical and professional conduct and a commitment towards enhancing investor interests. The fund house aims to constantly review changing market trends and share that knowledge with their investors in the form of new product offerings.

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Frequently Asked Questions

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Start your investment

Min amount: ₹300

Calculate Returns

Rs. 1,000 invested monthly becomes Rs. 6.1 Lakhs in a period of 20 years
Moderate Risk

All investments come with risk. Risk is the volatility or fluctuation in the price (and returns) of the investment. Usually,

  • High Risk = High possible returns
  • Low Risk = Stable, relatively lower returns