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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 HSBC Credit Risk Fund, as of 9 Nov 2026: Nippon India Credit Risk Fund NAV ₹42.74, 3Y CAGR 8.8%, expense ratio 1.02%; HSBC Credit Risk Fund NAV ₹38.03, 3Y CAGR 11.6%, expense ratio 0.84%; about 7% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| Nippon India Credit Risk Fund Direct Growth | HSBC Credit Risk Fund Direct Growth | |
|---|---|---|
| Category | Credit risk | Credit risk |
| Fund house | Nippon India Mutual Fund | HSBC Mutual Fund |
| Plan | Direct Plan · Growth Option | Direct Plan · Growth |
| NAV | ₹42.74 (9 Nov 2026) | ₹38.03 (9 Nov 2026) |
| 1Y return | 7.4% | 6.1% |
| 3Y CAGR | 8.8% | 11.6% |
| 5Y CAGR | 7.9% | — |
| Since launch (CAGR) | 7.6% | 10.6% |
| Expense ratio | 1.02% | 0.84% |
| AUM | ₹1,714 cr | ₹439 cr |
| Risk-o-meter | Moderately High | Moderately 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… | Units redeemed or switched out are upto 10% of the units purchased or switched in (“the limit”) within 2 years from the date of allotment – Nil Units redeemed or switched out are over and above the limit within 1 year from the date of allotment – 3%. Units redeemed or switched on or after 1 year upto 2 years from the… |
| Minimum SIP | ₹100 | ₹500 |
| Holdings | 61 | 30 |
| Top 10 holdings weight | 33.3% | 58.5% |
| Portfolio overlap | About 7% 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 →HSBC Credit Risk Fund has the higher 3-year CAGR (as of 9 Nov 2026): Nippon India Credit Risk Fund 8.8% a year vs HSBC Credit Risk Fund 11.6% a year. Past performance is not indicative of future results.
HSBC Credit Risk Fund costs less: Nippon India Credit Risk Fund charges 1.02% a year and HSBC Credit Risk Fund 0.84% a year.
Nippon India Credit Risk Fund is larger: Nippon India Credit Risk Fund manages ₹1,714 cr and HSBC Credit Risk Fund ₹439 cr (as of 9 Nov 2026).
About 7% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "Moderately 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