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HDFC Credit Risk Debt Fund - Growth Option is a debt scheme managed by HDFC Mutual Fund. Three-year compounded annual return is 7.14%, placing it in the 80th percentile of Debt peers. It has ranked in the top half of its category for 5 of the last 11 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 1.51% 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 |
|---|
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.
| Scheme | AMC | AUM | TER | 3Y |
|---|
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.
| GMR Airports Limited | Industrials | 4.84% |
| Tata Projects Ltd. | IND - AA | 3.33% |
| The Tata Power Company Ltd. | CARE - AA+ | 3.00% |
| Jubilant Beverages Limited | CRISIL - AA | 2.76% |
| Bamboo Hotel and Global Centre (Delhi) Private Limited | ICRA - A+(CE) | 2.67% |
| SK FINANCE LIMITED | ICRA - AA- | 2.65% |
| Union Bank of India | Financial Services | 2.59% |
| Jubilant Bevco Limited | CRISIL - AA | 2.57% |
| Nirma Ltd. | CRISIL - AA | 2.33% |
| Evonith Value Steel Limited | CRISIL - AA- | 2.31% |
| Siddhivinayak Securitisation Trust (Originator - Sikka Ports & Terminals Limited) | CRISIL - AAA(SO) | 2.30% |
| ADITYA BIRLA RENEWABLES LIMITED | CRISIL - AA | 2.13% |
| JTPM Metal Traders Limited | CRISIL - AA | 2.09% |
| Kalpataru Projects International Ltd | Industrials | 1.99% |
| Kogta Financial India Limited | CARE - A+ | 1.97% |
| Indus Infra Trust | Transport Infrastructure | 1.96% |
| Kosamattam Finance Limited | IND - A | 1.95% |
| TVS Credit Services Ltd | CRISIL - AA+ | 1.40% |
| Infopark Properties Limited | CARE - AA- | 1.33% |
| RAAJMARG INFRA INVESTMENT TRUST | Transport Infrastructure | 1.20% |
| 6.48% GOI MAT 061035 | Sovereign | 1.02% |
| 7.34% GOI MAT 220464 | Sovereign | 1.02% |
| JM FINANCIAL HOME LOANS LIMITED | CRISIL - AA | 0.99% |
| 7.1% GOI MAT 080434 | Sovereign | 0.97% |
| Embassy Office Parks REIT | Realty | 0.96% |
| 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.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
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 29.1% 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.
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.
Does the fund get worse as it gets bigger? Each dot is one historical manager-tenure: AUM at tenure-end vs alpha delivered during that tenure.
Correlation is too weak to confirm or rule out capacity-driven alpha decay. Re-evaluate as more manager-tenure data accumulates.
Each dot is one manager-tenure: X = AUM at tenure end, Y = alpha during that tenure. Connecting line in chronological order. Pearson r measures the linear relationship between AUM and alpha across the historical record. n = 2 data points.
| 5Y |
|---|
| Star |
|---|
| DSP Credit Risk Fund - Direct Plan - Growth | DSP Mutual Fund | ₹242 Cr | 0.41% | +16.57% | +12.99% | 5★ |
| DSP Credit Risk Fund - Regular Plan -Growth | DSP Mutual Fund | ₹242 Cr | 1.18% | +15.68% | +12.08% | 4★ |
| Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth | Aditya Birla Sun Life Mutual Fund | ₹1,353 Cr | 0.84% | +12.63% | +10.61% | 5★ |
| Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth | Aditya Birla Sun Life Mutual Fund | ₹1,353 Cr | 1.64% | +11.65% | +9.65% | 3★ |
| HSBC Credit Risk Fund - Regular Growth | HSBC Mutual Fund | ₹475 Cr | 1.64% | +10.68% | — | 2★ |
| BANK OF INDIA Credit Risk Fund - Direct Plan | Bank of India Mutual Fund | ₹105 Cr | 1.17% | +9.89% | +27.73% | 3★ |
| BANK OF INDIA Credit Risk Fund - Regular Plan | Bank of India Mutual Fund | ₹105 Cr | 1.64% | +9.49% | +27.32% | 2★ |
| Invesco India Credit Risk Fund - Direct Plan - Growth | Invesco Mutual Fund | ₹159 Cr | 0.28% | +9.28% | +8.20% | 5★ |
| Axis Credit Risk Fund - Direct Plan - Growth | Axis Mutual Fund | ₹355 Cr | 0.80% | +8.34% | +7.44% | 5★ |
| ICICI Prudential Credit Risk Fund - Growth | ICICI Prudential Mutual Fund | ₹5,990 Cr | 1.40% | +8.06% | +7.13% | 3★ |