Fund Overview of HSBC Credit Risk Fund Direct-idcw Monthly
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₹647.9 CrAUM
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₹12.42NAV
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0.96%Expense Ratio
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DebtFund Category
Returns of HSBC Credit Risk Fund Direct-idcw Monthly
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 1.36% | NA | 1.56% |
| 6 Months | 17.30% | NA | 6.78% |
| 1 Year | 21.39% | 21.39% | 11.50% |
| 2 Years | 30.80% | 14.37% | 10.29% |
| 3 Years | 40.31% | 11.95% | 9.30% |
| 5 Years | 57.25% | 9.48% | 10.13% |
| 7 Years | 70.72% | 7.94% | NA |
| 10 Years | 117.69% | 8.09% | 7.32% |
Dividends are declared by the fund house based on the income generated from the underlying assets. While many mutual funds distribute dividends annually, the payout frequency ultimately depends on the fund house’s decision
Asset Allocation
debt instruments
98.19%other assets or cash equivalents
1.81%HSBC Credit Risk Fund Direct-idcw Monthly is one Debt mutual fund offered by HSBC Mutual Fund. Launched on 01 Jan 2013, the fund aims Generation of regular returns and capital appreciation over medium to long term. Investment in debt instruments(including securitized debt), government and money market securities. It manages assets worth ₹647.9 crore as on Thu Jul 31, 2025. The expense ratio stands at 0.96%. Fund Manager Manager EducationAbout HSBC Credit Risk Fund Direct-idcw Monthly
The portfolio allocation consists of 98.19% in debt instruments, 1.81% in other assets or cash equivalents. Managed by Shriram Ramanathan, it has delivered a return of 21.39% in the last year, a total return since inception of 8.30%.
Key Metrics of HSBC Credit Risk Fund Direct-idcw Monthly
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Standard Deviation6.86%
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Sharpe Ratio0.75%
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Alpha24.59%
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Beta10.51%
Fund Details
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Top Performing Mutual Funds
| Fund Names | AUM (Cr) | 1M | 3M | 1Yr | 3Yr | 5Yr |
|---|---|---|---|---|---|---|
Bank Of India Credit Risk Fund Regular-growth  |
₹106 | 1.00% | 1.71% | 6.48% | 6.05% | 25.98% |
| Baroda Bnp Paribas Credit Risk Fund Direct-growth |
₹192 | 0.94% | 1.92% | 9.31% | 8.79% | 10.50% |
| UTI Credit Risk Fund Direct-flexi Idcw |
₹277 | 0.73% | 1.55% | 8.34% | 8.20% | 10.21% |
| UTI Credit Risk Fund Regular Plan-flexi Idcw |
₹277 | 0.66% | 1.36% | 7.69% | 7.44% | 9.42% |
| Aditya Birla Sun Life Credit Risk Fund Regular-growth |
₹1,023 | 1.13% | 2.27% | 16.31% | 10.73% | 9.36% |
| HSBC Credit Risk Fund-growth |
₹648 | 0.62% | 1.21% | 20.71% | 11.25% | 8.52% |
| Invesco India Credit Risk Fund Direct-discretionary Idcw |
₹152 | 0.67% | 1.43% | 10.78% | 10.71% | 7.86% |
| HDFC Credit Risk Debt Fund Direct-growth |
₹7,015 | 0.90% | 1.80% | 8.68% | 8.33% | 7.82% |
| Axis Credit Risk Fund Direct-growth |
₹367 | 0.97% | 2.11% | 9.64% | 8.74% | 7.78% |
| Invesco India Credit Risk Fund Regular-discretionary Idcw |
₹152 | 0.57% | 1.12% | 9.49% | 9.44% | 6.60% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More funds from HSBC Mutual Fund
| Fund Names | AUM (Cr) | 1M | 3M | 6M | 1Yr | 3Yr |
|---|---|---|---|---|---|---|
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HSBC Credit Risk Fund-growth
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₹648 | 0.62% | 1.21% | 14.73% | 20.71% | 11.25% |
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HSBC Credit Risk Fund Direct-growth
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₹648 | 0.68% | 1.38% | 15.15% | 21.65% | 12.14% |
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HSBC Credit Risk Fund-idcw Monthly
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₹648 | 0.62% | 1.21% | 14.73% | 20.71% | 11.25% |
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HSBC Credit Risk Fund-idcw Yearly
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₹648 | 0.59% | 1.24% | 14.70% | 20.57% | 11.22% |
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HSBC Credit Risk Fund Direct-idcw Yearly
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₹648 | 0.65% | 1.42% | 15.12% | 21.50% | 12.10% |
growth is based on 1-month returns of the fundsMutual Fund Calculator
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Tax Information
If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.
Top Mutual Funds
| Fund Names | AUM (Cr) | NAV | 3Yr | 5Yr | 10Yr |
|---|---|---|---|---|---|
| HDFC Credit Risk Debt Fund Direct-growth |
₹7,015 | ₹26.57 | 8.33% | 7.82% | 8.35% |
| Aditya Birla Sun Life Credit Risk Fund Regular-growth |
₹1,023 | ₹22.94 | 10.73% | 9.36% | 8.18% |
| HSBC Credit Risk Fund-growth |
₹648 | ₹32.80 | 11.25% | 8.52% | 7.23% |
| Axis Credit Risk Fund Direct-growth |
₹367 | ₹24.55 | 8.74% | 7.78% | 7.91% |
| UTI Credit Risk Fund Regular Plan-flexi Idcw |
₹277 | ₹11.29 | 7.44% | 9.42% | 2.94% |
| UTI Credit Risk Fund Direct-flexi Idcw |
₹277 | ₹12.49 | 8.20% | 10.21% | 3.86% |
| Baroda Bnp Paribas Credit Risk Fund Direct-growth |
₹192 | ₹25.00 | 8.79% | 10.50% | 8.69% |
| Invesco India Credit Risk Fund Regular-discretionary Idcw |
₹152 | ₹1,959.66 | 9.44% | 6.60% | 5.80% |
| Invesco India Credit Risk Fund Direct-discretionary Idcw |
₹152 | ₹2,204.96 | 10.71% | 7.86% | 6.89% |
| Bank Of India Credit Risk Fund Regular-growth |
₹106 | ₹12.42 | 6.05% | 25.98% | 1.65% |
Detailed Portfolio
| Stocks | Sector | % of Holding | Value |
|---|---|---|---|
| Nuvoco Vistas Corporation Limited 7.75 Ncd 28ag25 Fvrs10lac | Materials | 8.27% | ₹53.61 Cr |
| Tata Housing Development Company Limited Sr Iii 8.05 Rr Ncd 28ot27 Fvrs1lac | Industrials | 5.68% | ₹36.82 Cr |
| Aditya Birla Renewables Limited 8.6 Ncd 24sp27 Fvrs1lac | Energy & Utilities | 4.22% | ₹27.32 Cr |
| Nirma Limited Sr Vii Tr C 8.50 Ncd 07ap27 Fvrs1lac | Consumer Staples | 4.06% | ₹26.31 Cr |
| Rec Limited Sr 230-a 7.71 Bd 26fb27 Fvrs1lac | Financial | 4.05% | ₹26.24 Cr |
| National Bank For Agriculture And Rural Development Sr 25g 7.48 Bd 15sp28 Fvrs1lac | Financial | 4.05% | ₹26.22 Cr |
| Jsw Steel Limited 8.50 Ncd 12ot27 Fvrs10lac | Materials | 3.97% | ₹25.73 Cr |
| Ongc Petro Additions Limited Sr Xi 8.37 Ncd 16ju26 Fvrs1lac | Energy & Utilities | 3.94% | ₹25.53 Cr |
| Tata Projects Limited Sr M 8.43 Ncd 06fb26 Fvrs1lac | Industrials | 3.37% | ₹21.80 Cr |
| Godrej Housing Finance Limited Sr C2 8.40 Ncd 05jn28 Fvrs1lac | Financial | 3.30% | ₹21.37 Cr |
| Piramal Housing Finance Limited 9.30 Ncd 07jn27 Fvrs1lac | Financial | 2.77% | ₹17.95 Cr |
| Dhruva Xxiv Series A Ptc 29oct24 | Unspecified | 2.76% | ₹17.91 Cr |
| Aadhar Housing Finance Limited 8.5 Ncd 17ag26 Fvrs1lac | Financial | 2.53% | ₹16.37 Cr |
| Aditya Birla Digital Fashion Ventures Limited 8.80 Ncd 26ag27 Fvrs1lac | Consumer Discretionary | 2.51% | ₹16.26 Cr |
| Tvs Credit Services Limited 8.30 Loa 14sp25 Fvrs10lac | Financial | 2.49% | ₹16.12 Cr |
| Government Of India 33618 Goi 13nv30 7.32 Fv Rs 100 | Entities | 2.48% | ₹16.04 Cr |
| Central Government Loan 23277 Goi 22sp33 Flt Fv Rs 100 | Entities | 2.47% | ₹16.01 Cr |
| Vedanta Limited Sr 2 9.50 Ncd 20ag27 Fvrs1lac | Materials | 2.44% | ₹15.80 Cr |
| Delhi International Airport Limited Rr Ncd 22ag30 Fvrs1lac | Industrials | 2.40% | ₹15.55 Cr |
| Aadhar Housing Finance Limited 8.50 Ncd 26my26 Fvrs1lac | Financial | 2.37% | ₹15.38 Cr |
| Indostar Capital Finance Limited Sr Xii 9.95 Ncd 07ag25 Fvrs1lac | Financial | 2.37% | ₹15.35 Cr |
| Tata Projects Limited Sr K 8.20 Ncd 27ap26 Fvrs1lac | Industrials | 2.37% | ₹15.34 Cr |
| Century Textiles And Industries Limited Sr Xxi 8.10 Loa 25ap26 Fvrs1lac | Materials | 2.36% | ₹15.29 Cr |
| Vedanta Limited Sr I 9.31 Ncd 03dc27 Fvrs1lac | Materials | 2.36% | ₹15.29 Cr |
| Government Of India 35943 Goi 05my35 6.33 Fv Rs 100 | Entities | 2.34% | ₹15.18 Cr |
| Mas Financial Services Limited 9.75 Ncd 15ju27 Fvrs100000 | Financial | 2.31% | ₹14.98 Cr |
| Vajra 011 Trust Series A1 Ptc 09aug24 | Unspecified | 2.06% | ₹13.33 Cr |
| Repo | Unspecified | 2.05% | ₹13.26 Cr |
| Iifl Finance Limited Sr D27 9.80 Ncd 03dc26 Fvrs1lac | Financial | 1.89% | ₹12.25 Cr |
| Century Textiles And Industries Limited 8.35 Ncd 30ag27 Fvrs1lac | Materials | 1.69% | ₹10.94 Cr |
| Government Of India 34208 Goi 08ap34 7.1 Fv Rs 100 | Entities | 1.64% | ₹10.65 Cr |
| Government Of India 35031 Goi 07ot34 6.79 Fv Rs 100 | Entities | 1.62% | ₹10.47 Cr |
| Hinduja Leyland Finance Limited Sr Ii 8.40 Ncd 06my27 Fvrs1lac | Financial | 1.59% | ₹10.28 Cr |
| Indostar Capital Finance Limited Sr Xxvi Tr I 9.40 Ncd 18ju27 Fvrs1lac | Financial | 1.56% | ₹10.11 Cr |
| Goi Sec 7.18 24/07/2037 | Entities | 0.81% | ₹5.23 Cr |
| Nirma Limited Sr Vii Tr B 8.40 Ncd 07ap26 Fvrs1lac | Consumer Staples | 0.81% | ₹5.22 Cr |
| Others Class A2 Aif | Unspecified | 0.28% | ₹1.80 Cr |
| Net Payables | Unspecified | -0.24% | ₹-1.40 Cr |
Top Debt Funds
| Fund Names | NAV | 3Yr | 5Yr | 52 weeks high |
|---|---|---|---|---|
| Bank Of India Credit Risk Fund Regular-growth |
₹12.42 | 6.05% | 25.98% | - |
| Baroda Bnp Paribas Credit Risk Fund Direct-growth |
₹25.00 | 8.79% | 10.50% | - |
| UTI Credit Risk Fund Direct-flexi Idcw |
₹12.49 | 8.20% | 10.21% | - |
| UTI Credit Risk Fund Regular Plan-flexi Idcw |
₹11.29 | 7.44% | 9.42% | - |
| Aditya Birla Sun Life Credit Risk Fund Regular-growth |
₹22.94 | 10.73% | 9.36% | - |
| HSBC Credit Risk Fund-growth |
₹32.80 | 11.25% | 8.52% | - |
| Invesco India Credit Risk Fund Direct-discretionary Idcw |
₹2,204.96 | 10.71% | 7.86% | - |
| HDFC Credit Risk Debt Fund Direct-growth |
₹26.57 | 8.33% | 7.82% | - |
| Axis Credit Risk Fund Direct-growth |
₹24.55 | 8.74% | 7.78% | - |
| Invesco India Credit Risk Fund Regular-discretionary Idcw |
₹1,959.66 | 9.44% | 6.60% | - |
growth is based on 5Y returns of the funds
HSBC Credit Risk Fund Direct-idcw Monthly
What is the current AUM of HSBC Credit Risk Fund Direct-idcw Monthly?
As of Thu Jul 31, 2025, HSBC Credit Risk Fund Direct-idcw Monthly manages assets worth ₹647.9 crore
How has HSBC Credit Risk Fund Direct-idcw Monthly performed recently?
- 3 Months: 1.36%
- 6 Months: 17.30%
What is the long-term performance of HSBC Credit Risk Fund Direct-idcw Monthly?
- 3 Years CAGR: 11.95%
- 5 Years CAGR: 9.48%
- Since Inception: 8.30%
What is the portfolio composition of HSBC Credit Risk Fund Direct-idcw Monthly?
Debt: 98.19%, Others: 1.81%.
Who manages HSBC Credit Risk Fund Direct-idcw Monthly?
HSBC Credit Risk Fund Direct-idcw Monthly is managed by Shriram Ramanathan from HSBC Mutual Fund.
When was the last dividend declared by HSBC Credit Risk Fund Direct-idcw Monthly?
Latest dividend was declared on 26 Sep 2025 at 0.75% of face value.
Which are the top companies HSBC Credit Risk Fund Direct-idcw Monthly has invested in?
- NUVOCO VISTAS CORPORATION LIMITED 7.75 NCD 28AG25 FVRS10LAC – 8.27% of the fund's portfolio
- TATA HOUSING DEVELOPMENT COMPANY LIMITED SR III 8.05 RR NCD 28OT27 FVRS1LAC – 5.68% of the fund's portfolio
- ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC – 4.22% of the fund's portfolio
- NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC – 4.06% of the fund's portfolio
- REC LIMITED SR 230-A 7.71 BD 26FB27 FVRS1LAC – 4.05% of the fund's portfolio
Which are the major sectors HSBC Credit Risk Fund Direct-idcw Monthly focuses on?
- Financial – 31.28% of the fund's portfolio
- Materials – 21.09% of the fund's portfolio
- Industrials – 13.82% of the fund's portfolio
- Entities – 11.36% of the fund's portfolio
- Energy & Utilities – 8.16% of the fund's portfolio
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^Returns as on 10th Jan’25. Tata AIA Life Top 200 ULIP Fund has delivered 18% returns over the last 10 years. Past performance is not necessarily indicative of future results. This disclaimer is specifically regarding a ULIP fund and is not related to mutual funds. Source: Morningstar.
