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HDFC Credit Risk Debt Fund - Growth Option - Direct Plan is a debt scheme managed by HDFC Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 7.17%, with the bottom and top quartiles at 6.69% and 8.13% respectively. It has ranked in the top half of its category for 0 of the last 2 reported years. The total expense ratio is 1.01% on assets of ₹7,522Cr. The fund is currently managed by Mr. Praveen Jain, appointed within the last year.
Lower is better.
| Holding | Sector | Weight |
|---|
| Window | Min | P25 | Median |
|---|
Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
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| Sector | Holdings | Weight |
|---|---|---|
| CRISIL - AA | 7 | 14.86% |
| Sovereign | 15 | 9.54% |
| CRISIL - A+ | 2 | 5.38% |
| ICRA - AA- | 2 | 3.58% |
| CRISIL - AAA | 9 | 3.40% |
| IND - AA | 1 | 3.33% |
| Transport Infrastructure | 2 | 3.16% |
| CARE - AA- | 4 | 3.04% |
| CARE - AA+ | 1 | 3.00% |
| ICRA - A+(CE) | 1 | 2.67% |
| CRISIL - AAA(SO) | 2 | 2.63% |
| IND - A1+ | 1 | 2.59% |
| CRISIL - AA+ | 4 | 2.45% |
| CRISIL - AA- | 1 | 2.31% |
| CARE - A+ | 2 | 2.23% |
| IND - A | 1 | 1.95% |
| ICRA - AA+ | 2 | 1.00% |
| ICRA - AA | 2 | 0.99% |
| Realty | 1 | 0.96% |
| CRISIL - A1+ | 2 | 0.95% |
| ICRA - AA+(SO) | 1 | 0.78% |
| CRISIL - AA(SO) | 3 | 0.76% |
| Power | 1 | 0.44% |
| Construction | 1 | 0.25% |
| ICRA - AAA(SO) | 1 | 0.10% |
Active bets vs the average Debt fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | 3.55% | 6.95% | 7.81% | 8.68% | 13.42% | 100.0% |
| 3Y | 6.31% | 6.69% | 7.17% | 8.13% | 8.43% | 100.0% |
| 5Y | 6.91% | 7.31% | 7.44% | 7.79% | 8.42% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 7.3% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Debt.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
What an investor SIPping into this fund actually got during named market shocks.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.