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Two Credit risk funds side by side: returns, costs, size, risk and how much their portfolios overlap.
Nippon India Credit Risk Fund vs HDFC Credit Risk Fund, as of 9 Nov 2026: Nippon India Credit Risk Fund NAV ₹42.74, 3Y CAGR 8.8%, expense ratio 1.02%; HDFC Credit Risk Fund NAV ₹28.57, 3Y CAGR 8.2%, expense ratio 1.01%; about 8% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| Nippon India Credit Risk Fund Direct Growth | HDFC Credit Risk Fund Direct Growth | |
|---|---|---|
| Category | Credit risk | Credit risk |
| Fund house | Nippon India Mutual Fund | HDFC Mutual Fund |
| Plan | Direct Plan · Growth Option | Direct Plan · Growth Option |
| NAV | ₹42.74 (9 Nov 2026) | ₹28.57 (9 Nov 2026) |
| 1Y return | 7.4% | 6.8% |
| 3Y CAGR | 8.8% | 8.2% |
| 5Y CAGR | 7.9% | 7.2% |
| Since launch (CAGR) | 7.6% | 8.7% |
| Expense ratio | 1.02% | 1.01% |
| AUM | ₹1,714 cr | ₹7,617 cr |
| Risk-o-meter | Moderately High | High |
| Benchmark | CRISIL Credit Risk Debt B-II Index | NIFTY Credit Risk Bond Index B-II |
| Exit load | , Exit Load-10% of the units allotted shall be redeemed without any exit load, on or before completion of 12 months from the date of allotment of units. Any redemption in excess of such limit in the fi rst 12 months from the date of allotment shall be subject to the following exit load. Redemption of units would be… | In respect of each purchase/switch-in of units, an Exit loadof 2% is payable if units are redeemed/switched-out within12 months from the date of allotment. In respect of each purchase/switch-in of units, an Exit loadof 1% is payable if units are redeemed/switched-out after12 months but within 18 months from the date… |
| Minimum SIP | ₹100 | ₹100 |
| Holdings | 61 | 93 |
| Top 10 holdings weight | 33.3% | 31.1% |
| Portfolio overlap | About 8% by weight, from the latest disclosed holdings | |
Returns are point-to-point for each plan, after its expense ratio; periods over one year are CAGR. Past performance is not indicative of future results.
Open in the compare tool: growth charts, SIP outcomes and shared holdings →Nippon India Credit Risk Fund has the higher 5-year CAGR (as of 9 Nov 2026): Nippon India Credit Risk Fund 7.9% a year vs HDFC Credit Risk Fund 7.2% a year. Past performance is not indicative of future results.
HDFC Credit Risk Fund costs less: Nippon India Credit Risk Fund charges 1.02% a year and HDFC Credit Risk Fund 1.01% a year.
HDFC Credit Risk Fund is larger: Nippon India Credit Risk Fund manages ₹1,714 cr and HDFC Credit Risk Fund ₹7,617 cr (as of 9 Nov 2026).
About 8% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Nippon India Credit Risk Fund is rated "Moderately High" and HDFC Credit Risk Fund "High" on SEBI's risk-o-meter.
We don't give recommendations. Jivani Markets is not a SEBI-registered investment adviser or research analyst. Whether a fund suits you depends on your goals, horizon and risk appetite; speak to a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results.
Returns are for Direct plans, after expenses (TER is already in the NAV). Research, not advice: we do not say a fund suits you. Disclaimer