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HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)

IDCW
10.740.10% (+0.01)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Other Funds in the same category are generating better returns

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)

IDCW
DebtCredit Risk Fund
Large-size FundAssets Under Mgmt: ₹ 7,743 Cr
Moderately High RiskPrinciple investment will be at moderately high risk
10.740.10% (+0.01)

Price Chart

High
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Low
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Returns
0.00%
1M
6M
1Y
3Y
5Y
Max
SIP
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1M
6M
1Y
3Y
5Y
Max
SIP
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Other Funds in the same category are generating better returns

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

DebtCredit Risk Fund
Large-size FundAssets Under Mgmt: ₹ 7,743 Cr
Moderately High RiskPrinciple investment will be at moderately high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.968.506.07
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.138.234.85

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs1.00%
Nil for 15% of Units For excess of limits 1% on or before 12M and 0.50% after 12M but on or before 18M Nil after 18M
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Not allowedNot allowed
BenchmarkBenchmark
NIFTY Credit Risk Bond Index

About Credit Risk Fund

Credit risk funds are the debt funds which majorly lend money to low rated companies. The companies have to pay higher interest for their low rating which makes the fund more riskier as compared to other debt funds.

Peers & Comparison

Comparing 3 mutual funds from 
DebtCredit Risk Fund

Returns

Scheme

Ratios

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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)1.18%-0.22%0.69%
ICICI Pru Credit Risk Fund(Q-IDCW Payout)1.24%0.72%1.20%
SBI Credit Risk Fund(IDCW-Payout)8.47%7.12%5.06%
Nippon India Credit Risk Fund(IDCW)8.64%7.13%6.84%

Price Comparison

Compare HDFC Credit Risk Debt Fund-(Q-IDCW Reinv) with any MF, ETF, stock or index
Compare HDFC Credit Risk Debt Fund-(Q-IDCW Reinv) with any MF, ETF, stock or index
HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)
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Asset Allocation

Actual

Target

Dec 2023

Mar 2024

Jun 2024

Jul 2024

ACTUAL
+2 moreSecured DebtCash & EquivalentsREITs & InvITGovernment SecuritiesCorporate Debt0.60%1.61%4.61%4.85%9.94%78.38%

Dec 2023

Mar 2024

Jun 2024

Jul 2024

Tickertape Separator

Sector Distribution

+12 moreDiversified ChemicalsHome FinancingG-SecConstruction & EngineeringSpecialized Finance45.16 %9.22 %9.63 %9.94 %12.34 %13.70 %

Dec 2023

Mar 2024

Jun 2024

Jul 2024

Tickertape Separator

Sector Weightage

Jun 23Sep 23Dec 23Mar 24Jun 24Jul 2412.13%13.03%14.66%14.86%13.48%13.70%
Specialized Finance as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • Power Finance Corporation Ltd**
    CRISIL - AAA
    3M change : 0.18 %|CRISIL - AAA

    Holdings

    3.80 %

    0.18 %
  • 8.5% Tata Projects Ltd.^
    IND - AA
    3M change : 0.15 %|IND - AA

    Holdings

    3.24 %

    0.15 %
  • Coastal Gujarat Power Ltd. (Corporate Guarantee of Tata Power)**
    CARE - AA(SO)
    3M change : 0.14 %|CARE - AA(SO)

    Holdings

    2.99 %

    0.14 %

AMC Profile

HDFC Asset Management Company, investment manager to HDFC Mutual Fund, is one of the leading AMCs in the country. The company operates as a joint venture between Housing Development Finance Corporation (HDFC) and Standard Life Investments (SLI).

  • No.of Schemes

    81

  • Total AUM

    ₹ 7,09,290.56 Cr.

Fund Manager Profile

Shobhit Mehrotra

AUM:  ₹41,146.10 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 20yrs

Qualification

B. Text.,M.S. MBA(Clemson University, SC,USA)

Past Experience

Mr. Shobhit Mehrotra has collective experience of over 20 years in Fixed Income markets, Fixed Income dealing and credit rating etc. He is with HDFC AMC since Feb 2004. Prior to this he has worked with Templeton Asset Management (India) Pvt Ltd. And ICRA Ltd.

Funds Managed (43)

HDFC Income Fund(IDCW-Reinv)

IDCW
8.58%
4.81%
1.39%

HDFC Floating Rate Debt Fund(M-IDCW Reinv)

IDCW
0.04%
-0.19%
0.49%

HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)

IDCW
1.17%
-0.45%
1.57%

HDFC Credit Risk Debt Fund-(IDCW-Reinv)

IDCW
7.89%
5.93%
1.57%

HDFC Medium Term Debt Fund(FN-IDCW Reinv)

IDCW
-0.06%
-0.01%
1.28%

HDFC Medium Term Debt Fund(IDCW-Reinv)

IDCW
0.68%
1.50%
1.28%

HDFC Income Fund(Q-IDCW Reinv)

IDCW
3.83%
0.18%
1.39%

HDFC Income Fund(IDCW-Reinv)

IDCW
8.96%
5.96%
0.80%

HDFC Income Fund(Q-IDCW Reinv)

IDCW
3.45%
1.33%
0.80%

HDFC Medium Term Debt Fund(FN-IDCW Reinv)

IDCW
-0.06%
-0.01%
0.60%

HDFC Medium Term Debt Fund(IDCW-Reinv)

IDCW
1.49%
2.33%
0.60%

HDFC Floating Rate Debt Fund(M-IDCW Reinv)

IDCW
0.04%
-0.20%
0.26%

HDFC Credit Risk Debt Fund-(IDCW-Reinv)

IDCW
8.56%
6.58%
0.96%

HDFC Income Fund(IDCW)

IDCW
8.96%
5.96%
0.80%

HDFC Income Fund(IDCW)

IDCW
8.58%
4.81%
1.39%

HDFC Credit Risk Debt Fund-(IDCW)

IDCW
8.56%
6.58%
0.96%

HDFC Credit Risk Debt Fund-(IDCW)

IDCW
7.89%
5.93%
1.57%

HDFC Medium Term Debt Fund(IDCW)

IDCW
1.49%
2.33%
0.60%

HDFC Medium Term Debt Fund(IDCW)

IDCW
0.68%
1.50%
1.28%

HDFC Credit Risk Debt Fund-(Q-IDCW)

IDCW
1.17%
-0.45%
1.57%

HDFC Credit Risk Debt Fund-(Q-IDCW)

IDCW
1.18%
-0.22%
0.96%

HDFC Floating Rate Debt Fund(M-IDCW)

IDCW
0.04%
-0.20%
0.26%

HDFC Income Fund(Q-IDCW)

IDCW
3.45%
1.33%
0.80%

HDFC Medium Term Debt Fund(FN-IDCW)

IDCW
-0.06%
-0.01%
0.60%

HDFC Floating Rate Debt Fund(M-IDCW)

IDCW
0.04%
-0.19%
0.49%

HDFC Floating Rate Debt Fund(W-IDCW)

IDCW
0.04%
-0.01%
0.49%

HDFC Floating Rate Debt Fund(DD-IDCW)

IDCW
0.00%
0.00%
0.49%

HDFC Income Fund(Q-IDCW)

IDCW
3.83%
0.18%
1.39%

HDFC Medium Term Debt Fund(FN-IDCW)

IDCW
-0.06%
-0.01%
1.28%

HDFC Long Duration Debt Fund(IDCW Reinvest)

IDCW
4.19%
—
0.25%

HDFC Long Duration Debt Fund-Reg(IDCW)

IDCW
3.89%
—
0.60%

HDFC Long Duration Debt Fund(IDCW)

IDCW
4.19%
—
0.25%

HDFC Long Duration Debt Fund-Reg(IDCW Reinvest)

IDCW
3.89%
—
0.60%

HDFC Floating Rate Debt Fund(W-IDCW)

IDCW
0.04%
-0.01%
0.49%

HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)

IDCW
1.18%
-0.22%
0.96%

Manager Performance (0)

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Tax Implications

Investment period < 3 years

Gains are added to taxable income and taxed according to the individual's income tax slab

Investment period > 3 years (Investments before 1st April 2023)

Gains are taxed at 20% with indexation benefit

Investment period > 3 years (Investments after 1st April 2023)

With changes introduced in budget 2023, gains are added to taxable income and taxed according to the individual's income tax slab

Let’s calculate your returns after tax

Investment frequency

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One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
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