Markets / Mutual funds / Credit Risk
HDFC Mutual Fund · Debt fund · Direct plan · IDCW
To generate income/capital appreciation by investing predominantly in AA and below rated corporate debt. There is no assurance that the investment objective of the Scheme will be achieved.
Bars: this plan; the thin mark is the Credit Risk average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | -1.4 | |||||||||||
| 2025 | +0.7 | +0.4 | -1.0 | +1.0 | +1.1 | -1.8 | +0.7 | +0.2 | -0.7 | +0.8 | +0.5 | -0.8 |
| 2026 | +0.1 | +1.0 | -1.5 | +0.8 | +0.2 | -0.1 | +0.5 | +0.5 | -1.1 | -0.1 | +0.7 |
Each month's change in NAV (the current month to the latest NAV).
Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.
| Holding | % of fund |
|---|---|
| Corporate Debt Market Development Fund INF0RQ622028 | 0.33% |
| Holding | % of fund |
|---|---|
| GMR Airports Limited^ INE776C08083 | 4.87% |
| Nirma Ltd.^ INE091A07208 | 3.94% |
| Indus Infra Trust INE0NHL23019 | 3.23% |
| Triumph Composites Private Limited^ INE2I4607011 | 3.12% |
| Jubilant Beverages Limited^ INE1D4O08012 | 2.82% |
| ADITYA BIRLA RENEWABLES LIMITED^ INE01QP08016 | 2.75% |
| Bamboo Hotel and Global Centre (Delhi) Private Limited^ INE755L07015 | 2.63% |
| Kalpataru Projects International Ltd^ INE220B08134 | 2.62% |
| Jubilant Bevco Limited INE1D4P08019 | 2.62% |
| 8.28% Tamilnadu SDL MAT 210228^ IN3120170128 | 2.33% |
| JSW Energy Ltd.^ INE121E08039 | 2.30% |
| Evonith Value Steel Limited^ INE292A07046 | 2.28% |
| Siddhivinayak Securitisation Trust (Originator - Sikka Ports & Terminals Limited)^ INE2I7F15012 | 2.19% |
| JTPM Metal Traders Limited^ INE02PE08036 | 2.12% |
| 6.94% GOI MAT 110536 IN0020260025 | 2.00% |
| Kalpataru Projects International Ltd^ INE220B08126 | 1.97% |
| National Bank for Agri & Rural Dev. INE261F08EO7 | 1.95% |
| ADITYA BIRLA DIGITAL FASHION VENTURES LIMITED^ INE0M8D08040 | 1.94% |
| Kogta Financial India Limited^ INE192U07368 | 1.94% |
| Veritas Finance Limited^ INE448U07364 | 1.94% |
| Aadharshila Infratech Private limited^ INE0REQ08025 | 1.93% |
| Kosamattam Finance Limited^ INE403Q07GO9 | 1.93% |
| Net Current Assets | 1.86% |
| SK FINANCE LIMITED^ INE124N07796 | 1.62% |
| Aadhar Housing Finance Limited^ INE883F07413 | 1.51% |
| TVS Credit Services Ltd^ INE729N08063 | 1.38% |
| Cube Highways Trust INE0NR623014 | 1.38% |
| TREPS - Tri-party Repo | 1.37% |
| 360 One Prime Limited^ INE248U07GJ0 | 1.32% |
| Mahindra Rural Housing Finance Ltd^ INE950O07453 | 1.31% |
| Globe Fincap Ltd^ INE013U07010 | 1.30% |
| MAS Financial Services Ltd.^ INE348L07407 | 1.30% |
| RAAJMARG INFRA INVESTMENT TRUST INE2PB023011 | 1.29% |
| 182 Days TBILL MAT 180327^ IN002026Y246 | 1.28% |
| JM FINANCIAL HOME LOANS LIMITED^ INE01A207195 | 0.98% |
| JM FINANCIAL HOME LOANS LIMITED^ INE01A207187 | 0.98% |
| National Bank for Agri & Rural Dev. INE261F08EM1 | 0.98% |
| ADITYA BIRLA DIGITAL FASHION VENTURES LIMITED^ INE0M8D08032 | 0.97% |
| Embassy Office Parks REIT INE041025011 | 0.97% |
| The Tata Power Company Ltd.^ INE295J08022 | 0.93% |
| 7.23% GOI MAT 150439 IN0020240027 | 0.78% |
| Vastu Finserve India Pvt. Ltd.^ INE08Z607133 | 0.78% |
| MAS Financial Services Ltd.^ INE348L07324 | 0.72% |
| 8.03% Karnataka SDL Mat 310128^ IN1920170165 | 0.66% |
| Aadhar Housing Finance Limited^ INE883F07363 | 0.66% |
| Cholamandalam Investment & Finance Co. Ltd.^ INE121A08PP7 | 0.66% |
| IKF Finance Limited^ INE859C07220 | 0.66% |
| ONGC Petro Additions Limited (Letter Of Comfort By ONGC Limited)^ INE163N08313 | 0.66% |
| Globe Capital Market Ltd^ INE081J07036 | 0.65% |
| Power Finance Corporation Ltd.^ INE134E08MX3 | 0.65% |
| Small Industries Development Bank^ INE556F08KS8 | 0.65% |
| Vastu Finserve India Pvt. Ltd.^ INE08Z607125 | 0.65% |
| Vastu Finserve India Pvt. Ltd.^ INE08Z607141 | 0.65% |
| LIC Housing Finance Ltd.^ INE115A08369 | 0.63% |
| National Bank for Agri & Rural Dev.^ INE261F08EN9 | 0.63% |
| 7.34% GOI MAT 220464 IN0020240035 | 0.62% |
| 7.09% GOI MAT 050854 IN0020240118 | 0.61% |
| Mahindra Rural Housing Finance Ltd^ INE950O07388 | 0.54% |
| 7.25% GOI MAT 120663 IN0020230044 | 0.49% |
| LIC Housing Finance Ltd.^ INE115A08377 | 0.49% |
| VAJRA 009 TRUST (Originator - Veritas Finance limited)^ INE0YD015024 | 0.49% |
| POWERGRID Infrastructure Investment Trust INE0GGX23010 | 0.47% |
| TMF Holdings Ltd. (Perpetual)^ INE909H08386 | 0.39% |
| 7.73% Tamil Nadu Mat 060536^ IN3120260028 | 0.33% |
| Godrej Industries Ltd.^ INE233A08113 | 0.33% |
| Indian Railways Finance Corp. Ltd.^ INE053F08387 | 0.33% |
| Motilal Oswal Home Fin Ltd. (Erst Aspire Home Fin)^ INE658R07448 | 0.33% |
| REC Limited. INE020B08GD4 | 0.33% |
| TATA Capital Housing Finance Ltd.^ INE033L07IE2 | 0.33% |
| 7.59% Tamil Nadu SDL Mat 150741^ IN3120260085 | 0.32% |
| DLF Cyber City Developers Ltd.^ INE186K07122 | 0.32% |
| JSW Energy Ltd.^ INE121E08070 | 0.32% |
| National Bank for Agri & Rural Dev.^ INE261F08ET6 | 0.32% |
| REC Limited.^ INE020B08FW6 | 0.32% |
| Small Industries Development Bank^ INE556F08KW0 | 0.32% |
| Shivshakti Securitisation Trust (Originator - Sikka Ports & Terminals Limited)^ INE2I7G15010 | 0.31% |
| REC Limited.^ INE020B08BH6 | 0.27% |
| Capital Infra Trust INE0Z8Z23013 | 0.27% |
| Power Finance Corporation Ltd.^ INE134E08ME3 | 0.26% |
| Power Finance Corporation Ltd.^ INE134E08MD5 | 0.26% |
| Power Finance Corporation Ltd.^ INE134E08MF0 | 0.26% |
| Power Finance Corporation Ltd.^ INE134E08MG8 | 0.26% |
| Power Finance Corporation Ltd.^ INE134E08NH4 | 0.26% |
| Indigo 049 (Originator - Muthoot Capital Services Limited)^ INE2S0K15023 | 0.24% |
| IKF Finance Limited^ INE859C07196 | 0.22% |
| REC Limited.^ INE020B08GB8 | 0.19% |
| Muthoot Capital Services Ltd^ INE296G07226 | 0.18% |
| REC Limited.^ INE020B08BP9 | 0.13% |
| REC Limited.^ INE020B08CX1 | 0.13% |
| Indigo 041 (Originator - Muthoot Capital Services Limited)^ INE1PUF15021 | 0.08% |
| Bajaj Housing Finance Ltd.^ INE377Y07607 | 0.04% |
| 6.67% GOI MAT 151235^ IN0020210152 | 0.03% |
| 7.64% Andhra Pradesh SDL ISD 170124 MAT 170131^ IN1020230703 | 0.02% |
| Vajra 006 Trust (Originator - Veritas Finance limited)^ INE0TTV15024 | 0.02% |
From the fund house's monthly portfolio (), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.
Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).
The ranges the fund is allowed to hold, not what it holds today.
| Fund size (average AUM, July - September 2026) | ₹7,666 cr across all plans · this plan ₹15.77 cr |
| Fund house | HDFC Mutual Fund |
| Category | Debt · Credit Risk |
| Plan | Direct |
| Option | IDCW |
| Expense ratio (TER) | Direct 1.01% · Regular 1.51% (4 Nov 2026) |
| Exit load | In respect of each purchase / switch-in of Units, upto 15% of the units (“the limit”) may be redeemed without any exit load from the date of allotment. However, please note that the Units will be redeemed on First In First Out (FIFO) basis. - Any redemption in excess of the above limit shall be subject to the following exit load: - - In respect of each purchase/switch-in of Units, an Exit Load of 1.00% is payable if Units are redeemed/switched-out within 12 months from the date of allotment. - In respect of each purchase/switch-in of Units, an Exit Load of 0.50% is payable if Units are redeemed/switched out after 12 months but within 18 months from the date of allotment. - No Exit Load is payable if Units are redeemed/switched out after 18 months from the date of allotment. |
| Minimum investment | ₹100 · additional ₹100 |
| Scheme code (AMFI) | 128052 |
| ISIN | INF179KA1GD8 |
| NAV date | 6 Nov 2026 |
Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.
| Plan | NAV | 1 year |
|---|---|---|
| Direct · Growth | ₹28.5356 | +6.72% |
| Direct · IDCW | ₹10.8534 | +0.51% |
| Direct · IDCW | ₹25.0145 | +6.72% |
| Regular · Growth | ₹26.2178 | +6.16% |
| Regular · IDCW | ₹24.1422 | +6.16% |
| Fund | 1 year | 3 years (a year) |
|---|---|---|
| DSP Credit Risk Fund | +10.66% | +13.82% |
| Aditya Birla Sun Life Credit Risk Fund | +11.54% | +13.06% |
| HSBC Credit Risk Fund | +5.98% | +11.67% |
| ICICI Prudential Credit Risk Fund | +7.41% | +8.99% |
| Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1) | +7.36% | +8.87% |
| Invesco India Credit Risk Fund | +7.12% | +8.87% |
| SBI CREDIT RISK FUND | +7.54% | +8.52% |
| Kotak Credit Risk Fund | +6.47% | +8.46% |
Information only, not investment advice.
₹10.4997 as of 6 Nov 2026, from AMFI's official NAV data.
1 year: 0.45%, 3 years: 0.88% a year, 5 years: 0.10% a year
Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.