HDFC Credit Risk Fund

Credit RiskDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

HDFC Credit Risk Fund is a Credit Risk fund run by HDFC Mutual Fund. On 30-09-2026, it managed ₹7,631 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 8.0% a year and its Regular plan returned 7.4% a year. Its benchmark, NIFTY Credit Risk Bond Index B-II, returned 6.5% a year over the same 3 years.

NAV (Direct plan): ₹28.34; ▲ 0.12%30-10-2026
NAV (Regular plan): ₹26.04; ▲ 0.12%30-10-2026
Expense ratio: 1.01%Direct1.51%Regular; 1.01%; A year
Riskometer: High; Set by the fund house
3 year return: 8.0%Direct7.4%Regular; 8.0%; A year

HDFC Credit Risk Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹28.34 (up 0.12% that day); Regular Plan Growth ₹26.04 (up 0.12% that day).

This fund (Direct plan)

₹28.3445

HDFC Credit Risk Fund Returns vs NIFTY Credit Risk Bond Index B-II

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	−0.06%	+0.83%	+3.29%	+6.18%	+8.02%	+7.04%	+7.76%
This fund (Regular)	−0.10%	+0.70%	+3.04%	+5.62%	+7.40%	+6.41%	+7.09%
NIFTY Credit Risk Bond Index B-II	+0.07%	+0.12%	+1.91%	+3.85%	+6.52%	+6.74%	--
Credit Risk average	−0.04%	+0.78%	+3.31%	+7.84%	+9.41%	+9.83%	+6.82%
Best in Credit Risk	+0.23%	+1.32%	+3.89%	+16.97%	+13.69%	+27.83%	+9.17%
Worst in Credit Risk	−0.17%	+0.35%	+2.76%	+5.00%	+7.09%	+6.26%	+2.38%
Rank in Credit Risk	8/13	6/13	7/13	9/13	11/13	9/12	4/11

Category rows compare the Direct plans of 13 Credit Risk funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.

HDFC Credit Risk Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+5.19%	+4.74%
2025	+8.61%	+7.98%
2024	+8.86%	+8.19%
2023	+7.27%	+6.62%
2022	+4.37%	+3.71%
2021	+7.58%	+6.98%

HDFC Credit Risk Fund Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,323 periods, one for each trading day from 27-03-2017 to 30-10-2026.

0%2%4%6%8%10%12%

Jan 2015
to
Jan 2018Aug 2016
to
Aug 2019Apr 2018
to
Apr 2021Nov 2019
to
Nov 2022Jul 2021
to
Jul 2024Jan 2023
to
Jan 2026

HDFC Credit Risk Fund (Direct)Category average, 13 Credit Risk funds

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	2,806	8.6%	3.6%	13.8%	0%	8.7%	47%
2 years	2,564	8.3%	5.5%	12.4%	0%	7.7%	51%
3 years	2,323	8.2%	6.3%	11.6%	0%	7.7%	60%
5 years	1,841	8.0%	7.0%	9.7%	0%	6.4%	78%
7 years	1,354	8.2%	7.4%	9.7%	0%	6.8%	99%
10 years	628	8.4%	7.7%	8.8%	0%	7.5%	100%

Every SIP holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	140	8.7%	2.3%	15.4%	0%	8.6%	45%
2 years	128	8.3%	5.1%	13.1%	0%	8.1%	47%
3 years	116	8.0%	6.2%	11.2%	0%	7.4%	49%
5 years	92	7.8%	7.2%	9.3%	0%	6.4%	66%
7 years	68	7.8%	7.4%	9.3%	0%	6.5%	74%
10 years	32	8.0%	7.7%	8.1%	0%	7.6%	81%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 13 Credit Risk funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.

HDFC Credit Risk Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	HDFC Credit Risk Fund (Direct)This fund	Category average
Return (CAGR)	+6.18%	+7.84%
Standard deviation	1.23%	1.21%
Sharpe ratio	0.76	2.14
Sortino ratio	1.07	3.69
Maximum drawdown	−0.53% (23-10-2026)	−0.36% (23-10-2026)

From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	HDFC Credit Risk Fund (Direct)This fund	Category average
Return (CAGR)	+8.02%	+9.43%
Standard deviation	0.99%	1.13%
Sharpe ratio	2.01	3.03
Sortino ratio	3.00	6.53
Maximum drawdown	−0.53% (23-10-2026)	−0.36% (23-10-2026)

From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	HDFC Credit Risk Fund (Direct)This fund	Category average
Return (CAGR)	+7.04%	+8.38%
Standard deviation	1.04%	1.12%
Sharpe ratio	1.20	2.30
Sortino ratio	1.58	4.39
Maximum drawdown	−1.5% (06-05-2022)	−1.1% (06-05-2022)

From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	HDFC Credit Risk Fund (Direct)This fund	Category average
Return (CAGR)	+7.76%	+7.15%
Standard deviation	1.53%	1.58%
Sharpe ratio	1.54	1.11
Sortino ratio	2.36	1.54
Maximum drawdown	−2.6% (26-03-2020)	−3.7% (24-03-2020)

From daily NAVs, 28-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Measure	HDFC Credit Risk Fund (Direct)This fund	Category average
Return (CAGR)	+8.61%	+7.98%
Standard deviation	1.44%	1.46%
Sharpe ratio	1.93	1.47
Sortino ratio	2.99	2.08
Maximum drawdown	−2.6% (26-03-2020)	−3.7% (24-03-2020)

From daily NAVs, 25-03-2014 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.

Drawdowns

How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.

−4%−3%−2%−1%0%

201520172019202120232025

HDFC Credit Risk Fund (Direct)Category average, 13 Credit Risk funds

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
HDFC Credit Risk Fund (Direct)	−2.6%	06-03-2020	26-03-2020	17-06-2020	3 months	−0.19%
Category average	−3.7%	14-02-2020	24-03-2020	30-07-2020	4 months	−0.13%

From the Direct plan's daily NAV since 25-03-2014, adjusted for unit splits, and the average of the 13 Credit Risk funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

HDFC Credit Risk Fund vs Other Credit Risk Funds

The five Credit Risk funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
DSP Credit Risk Fund	1/13	326	0.42%	+10.33%	+13.69%	--	--	1.25	7.29	Compare
Aditya Birla Sun Life Credit Risk Fund	2/13	1,657	0.80%	+11.12%	+12.89%	--	--	2.03	10.06	Compare
HSBC Credit Risk Fund	3/13	441	0.84%	+5.68%	+11.54%	--	--	0.86	11.11	Compare
Bank of India Credit Risk Fund	4/13	74	0.61%	+16.97%	+10.00%	--	--	0.93	11.45	Compare
ICICI Prudential Credit Risk Fund	5/13	6,320	0.80%	+6.83%	+8.82%	--	--	2.37	3.61	Compare
HDFC Credit Risk Fund	11/13	7,631	1.01%	+6.18%	+8.02%	--	--	2.01	3.00

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

HDFC Credit Risk Fund Expense Ratio and Costs

What each plan charges a year, in force from 01-09-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Credit Risk median	Cost rank (1 = cheapest)
Direct	0.86%	0.00%	0.00%	0.15%	1.01%	0.80%	13/13
Regular	1.29%	0.00%	0.00%	0.22%	1.51%	1.51%	7/13

The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Credit Risk funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	5.62%	6.18%	0.56%	₹1,05,620	₹1,06,180
3 years	7.40%	8.02%	0.62% a year	₹1,23,883	₹1,26,041
5 years	6.41%	7.04%	0.63% a year	₹1,36,431	₹1,40,518
10 years	7.09%	7.76%	0.67% a year	₹1,98,376	₹2,11,143

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

HDFC Credit Risk Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 25-03-2014 to 30-10-2026: 152 instalments, ₹15,20,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planHDFC Credit Risk Fund (Direct)	₹15,20,000	₹25,70,959	₹10,50,959	7.9%
Regular planHDFC Credit Risk Fund (Regular)	₹15,20,000	₹24,56,358	₹9,36,358	7.3%
Category averageCategory average, 13 Credit Risk funds	₹15,20,000	₹25,33,508	₹10,13,508	7.7%

₹0₹10.0 L₹20.0 L₹30.0 L

201520172019202120232025

Direct planHDFC Credit Risk Fund (Direct)Regular planHDFC Credit Risk Fund (Regular)Category averageCategory average, 13 Credit Risk fundsAmount invested

From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.

HDFC Credit Risk Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

88.8%Debt

Asset	Fund	Category
Debt	88.8%	79.5%
Cash and others	11.2%	20.5%

Credit rating

Bonds and money market papers by credit rating, % of the fund. Category: the average of 13 Credit Risk funds.

Rating	Fund	Category
Sovereign	9.5%	9.3%
AAA and A1+	15.2%	8.9%
AA	59.6%	56.7%
A and below	4.6%	4.6%

HDFC Credit Risk Fund Portfolio Holdings

As on 30-09-2026 · 93 holdings · from the fund house's monthly portfolio

Holdings	Sector / Rating	Weight%
GMR Airports Limited · Bond	CRISIL - AA-	4.87%
Nirma Ltd. · Bond	CRISIL - AA	3.94%
Indus Infra Trust	Transport Infrastructure	3.23%
Triumph Composites Private Limited · Bond	IND - AA-	3.12%
Jubilant Beverages Limited · Bond	CRISIL - AA	2.82%
ADITYA BIRLA RENEWABLES LIMITED · Bond	CRISIL - AA	2.75%
Bamboo Hotel and Global Centre (Delhi) Private Limited · Bond	ICRA - A+(CE)	2.63%
Jubilant Bevco Limited · Bond	CRISIL - AA	2.62%
Kalpataru Projects International Ltd · Bond	IND - AA+	2.62%
8.28% Tamilnadu SDL MAT 210228 · State government security	Sovereign	2.33%
JSW Energy Ltd. · Bond	ICRA - AA	2.30%
Evonith Value Steel Limited · Bond	CRISIL - AA-	2.28%
Siddhivinayak Securitisation Trust (Originator - Sikka Ports & Terminals Limited)	CRISIL - AAA(SO)	2.19%
JTPM Metal Traders Limited · Bond	CRISIL - AA	2.12%
6.94% GOI MAT 110536 · Government security	Sovereign	2.00%
Kalpataru Projects International Ltd · Bond	CRISIL - AA	1.97%
National Bank for Agri & Rural Dev. · Bond	CRISIL - AAA	1.95%
Veritas Finance Limited · Bond	CARE - AA-	1.94%
ADITYA BIRLA DIGITAL FASHION VENTURES LIMITED · Bond	CRISIL - AA-	1.94%
Kogta Financial India Limited · Bond	CARE - AA-	1.94%
Kosamattam Finance Limited · Bond	IND - A	1.93%
Aadharshila Infratech Private limited · Bond	CARE - AA+	1.93%
SK FINANCE LIMITED · Bond	IND - AA-	1.62%
Aadhar Housing Finance Limited · Bond	ICRA - AA+	1.51%
TVS Credit Services Ltd · Bond	CRISIL - AA+	1.38%
Cube Highways Trust	Transport Infrastructure	1.38%
360 One Prime Limited · Bond	ICRA - AA	1.32%
Mahindra Rural Housing Finance Ltd · Bond	CRISIL - AAA	1.31%
MAS Financial Services Ltd. · Bond	CARE - AA-	1.30%
Globe Fincap Ltd · Bond	ICRA - AA-	1.30%
RAAJMARG INFRA INVESTMENT TRUST	Transport Infrastructure	1.29%
182 Days TBILL MAT 180327 · Treasury bill	Sovereign	1.28%
National Bank for Agri & Rural Dev. · Bond	ICRA - AAA	0.98%
JM FINANCIAL HOME LOANS LIMITED · Bond	CRISIL - AA	0.98%
JM FINANCIAL HOME LOANS LIMITED · Bond	CRISIL - AA	0.98%
ADITYA BIRLA DIGITAL FASHION VENTURES LIMITED · Bond	CRISIL - AA-	0.97%
Embassy Office Parks REIT	Realty	0.97%
The Tata Power Company Ltd. · Bond	CARE - AA+	0.93%
Vastu Finserve India Pvt. Ltd. · Bond	CARE - AA	0.78%
7.23% GOI MAT 150439 · Government security	Sovereign	0.78%
MAS Financial Services Ltd. · Bond	CARE - AA-	0.72%
ONGC Petro Additions Limited (Letter Of Comfort By ONGC Limited) · Bond	CRISIL - AA+	0.66%
8.03% Karnataka SDL Mat 310128 · State government security	Sovereign	0.66%
Cholamandalam Investment & Finance Co. Ltd. · Bond	ICRA - AA+	0.66%
IKF Finance Limited · Bond	CARE - AA-	0.66%
Aadhar Housing Finance Limited · Bond	ICRA - AA+	0.66%
Vastu Finserve India Pvt. Ltd. · Bond	CARE - AA	0.65%
Power Finance Corporation Ltd. · Bond	CRISIL - AAA	0.65%
Small Industries Development Bank · Bond	CRISIL - AAA	0.65%
Globe Capital Market Ltd · Bond	ICRA - AA-	0.65%
Vastu Finserve India Pvt. Ltd. · Bond	CARE - AA	0.65%
National Bank for Agri & Rural Dev. · Bond	CRISIL - AAA	0.63%
LIC Housing Finance Ltd. · Bond	CRISIL - AAA	0.63%
7.34% GOI MAT 220464 · Government security	Sovereign	0.62%
7.09% GOI MAT 050854 · Government security	Sovereign	0.61%
Mahindra Rural Housing Finance Ltd · Bond	CRISIL - AAA	0.54%
7.25% GOI MAT 120663 · Government security	Sovereign	0.49%
LIC Housing Finance Ltd. · Bond	CRISIL - AAA	0.49%
VAJRA 009 TRUST (Originator - Veritas Finance limited)	ICRA - AAA(SO)	0.49%
POWERGRID Infrastructure Investment Trust	Power	0.47%
TMF Holdings Ltd. (Perpetual) · Bond	CRISIL - AA+	0.39%
Motilal Oswal Home Fin Ltd. (Erst Aspire Home Fin) · Bond	CRISIL - AA+	0.33%
Corporate Debt Market Development Fund		0.33%
7.73% Tamil Nadu Mat 060536 · State government security	Sovereign	0.33%
REC Limited. · Bond	CRISIL - AAA	0.33%
TATA Capital Housing Finance Ltd. · Bond	CRISIL - AAA	0.33%
Indian Railways Finance Corp. Ltd. · Bond	CRISIL - AAA	0.33%
Godrej Industries Ltd. · Bond	CRISIL - AA+	0.33%
National Bank for Agri & Rural Dev. · Bond	CRISIL - AAA	0.32%
DLF Cyber City Developers Ltd. · Bond	CRISIL - AAA	0.32%
7.59% Tamil Nadu SDL Mat 150741 · State government security	Sovereign	0.32%
REC Limited. · Bond	CARE - AAA	0.32%
Small Industries Development Bank · Bond	CRISIL - AAA	0.32%
JSW Energy Ltd. · Bond	ICRA - AA	0.32%
Shivshakti Securitisation Trust (Originator - Sikka Ports & Terminals Limited)	CRISIL - AAA(SO)	0.31%
Capital Infra Trust	Construction	0.27%
REC Limited. · Bond	CRISIL - AAA	0.27%
Power Finance Corporation Ltd. · Bond	CRISIL - AAA	0.26%
Power Finance Corporation Ltd. · Bond	CRISIL - AAA	0.26%
Power Finance Corporation Ltd. · Bond	CRISIL - AAA	0.26%
Power Finance Corporation Ltd. · Bond	CRISIL - AAA	0.26%
Power Finance Corporation Ltd. · Bond	CRISIL - AAA	0.26%
Indigo 049 (Originator - Muthoot Capital Services Limited)	CRISIL - AA(SO)	0.24%
IKF Finance Limited · Bond	CARE - AA-	0.22%
REC Limited. · Bond	CRISIL - AAA	0.19%
Muthoot Capital Services Ltd · Bond	CRISIL - AA-	0.18%
REC Limited. · Bond	CRISIL - AAA	0.13%
REC Limited. · Bond	CRISIL - AAA	0.13%
Indigo 041 (Originator - Muthoot Capital Services Limited)	CRISIL - AA(SO)	0.08%
Bajaj Housing Finance Ltd. · Bond	CRISIL - AAA	0.04%
6.67% GOI MAT 151235 · Government security	Sovereign	0.03%
7.64% Andhra Pradesh SDL ISD 170124 MAT 170131 · State government security	Sovereign	0.02%
Vajra 006 Trust (Originator - Veritas Finance limited)	ICRA - AAA(SO)	0.02%

HDFC Credit Risk Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
HDFC Medium Term FundMedium Duration · HDFC	45.5%	40	Compare
Axis Credit Risk FundCredit Risk · Axis	23.0%	16	Compare
Axis Medium Term FundMedium Duration · Axis	20.0%	19	Compare
ICICI Prudential Credit Risk FundCredit Risk · ICICI Prudential	17.5%	16	Compare
Kotak Credit Risk FundCredit Risk · Kotak Mahindra	16.5%	11	Compare
Axis Floating Interest Rates FundFloater · Axis	16.5%	12	Compare
Aditya Birla Sun Life Credit Risk FundCredit Risk · Aditya Birla Sun Life	16.5%	12	Compare
Kotak Medium Term FundMedium Duration · Kotak Mahindra	16.3%	13	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

HDFC Credit Risk Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 1.01%
Expense ratio (Regular): 1.51%
Category: Credit Risk
Risk: High
Benchmark: NIFTY Credit Risk Bond Index B-II
Launch date: 25-03-2014
Minimum investment: ₹100
Minimum additional investment: ₹100
AUM: ₹7,630.51 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 128051
ISIN (Direct): INF179KA1FZ3
Scheme code (Regular): 128053
ISIN (Regular): INF179KA1GC0
NAV history: From 25-03-2014, 12.6 years

Exit load: Exit load for units in excess of 15% of the investment, 1% will be charged for redemption within 12 months and 0.50% if redeemed after 12 months but within 18 months.

Tax on HDFC Credit Risk Fund returns

HDFC Credit Risk Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹28.3445	30-10-2026
direct	IDCW	₹24.8469	30-10-2026
direct	Quarterly IDCW	₹10.7807	30-10-2026
regular	Growth	₹26.0446	30-10-2026
regular	IDCW	₹23.9827	30-10-2026
regular	Quarterly IDCW	₹10.4303	30-10-2026

About HDFC Credit Risk Fund

HDFC Credit Risk Fund is a mutual fund from HDFC Mutual Fund. Its category is Credit Risk. It was launched on 25-03-2014. Its benchmark is NIFTY Credit Risk Bond Index B-II. At the end of September 2026 it held 93 securities.

Fund Manager

Praveen Jain
Fund manager of HDFC Credit Risk Fund, since 07-03-2026
Bhavyesh Divecha
Fund manager of HDFC Credit Risk Fund, since 07-03-2026
Gopal Agrawal
Fund manager of HDFC Credit Risk Fund, since 01-09-2026

See all funds of HDFC Mutual Fund

AUM change

September 2026: ₹7,630.51 Cr; −0.46% from August 2026
August 2026: ₹7,665.78 Cr; +0.00% from July 2026
July 2026: ₹7,665.67 Cr; −0.36% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare HDFC Credit Risk Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

HDFC Credit Risk vs DSP Credit RiskCredit Risk
HDFC Credit Risk vs Aditya Birla Sun Life Credit Risk16.5% overlap
HDFC Credit Risk vs HSBC Credit RiskCredit Risk
HDFC Credit Risk vs Bank of India Credit RiskCredit Risk
HDFC Credit Risk vs ICICI Prudential Credit Risk17.5% overlap
HDFC Credit Risk vs HDFC Medium Term45.5% overlap
HDFC Credit Risk vs Axis Credit Risk23.0% overlap
HDFC Credit Risk vs Axis Medium Term20.0% overlap

Compare with any other fund

Frequently Asked Questions for HDFC Credit Risk Fund

What is the current NAV of HDFC Credit Risk Fund?

The Direct plan NAV is ₹28.3445. The Regular plan NAV is ₹26.0446, as on 30-10-2026.

What are the returns of HDFC Credit Risk Fund?

The Direct plan returned +6.18% in 1 year, +8.02% a year over 3 years, +7.04% a year over 5 years. The Regular plan returned +5.62% in 1 year, +7.40% a year over 3 years, +6.41% a year over 5 years. These figures are as on 30-10-2026.

What is the expense ratio of HDFC Credit Risk Fund?

The Direct plan charges 1.01% a year. The Regular plan charges 1.51% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.

What is the AUM of HDFC Credit Risk Fund?

HDFC Credit Risk Fund managed ₹7,630.51 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of HDFC Credit Risk Fund?

At the end of September 2026 the largest holdings were GMR Airports Limited (4.87%), Nirma Ltd. (3.94%), INDUSINVIT (3.23%), Triumph Composites Private Limited (3.12%), Jubilant Beverages Limited (2.82%). The fund held 93 securities in all.

How do I invest in HDFC Credit Risk Fund?

Through HDFC Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹100. You can invest once or through a monthly SIP.

Who is the fund manager of HDFC Credit Risk Fund?

Praveen Jain (since 07-03-2026), Bhavyesh Divecha (since 07-03-2026), Gopal Agrawal (since 01-09-2026).

What is the exit load of HDFC Credit Risk Fund?

Exit load for units in excess of 15% of the investment, 1% will be charged for redemption within 12 months and 0.50% if redeemed after 12 months but within 18 months.

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.