Loading…
Two Credit risk funds side by side: returns, costs, size, risk and how much their portfolios overlap.
ICICI Prudential Credit Risk Fund vs HDFC Credit Risk Fund, as of 9 Nov 2026: ICICI Prudential Credit Risk Fund NAV ₹39.00, 3Y CAGR 8.9%, expense ratio 0.80%; HDFC Credit Risk Fund NAV ₹28.57, 3Y CAGR 8.2%, expense ratio 1.01%; about 16% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| ICICI Prudential Credit Risk Fund Direct Growth | HDFC Credit Risk Fund Direct Growth | |
|---|---|---|
| Category | Credit risk | Credit risk |
| Fund house | ICICI Prudential Mutual Fund | HDFC Mutual Fund |
| Plan | Direct Plan · Growth | Direct Plan · Growth Option |
| NAV | ₹39.00 (9 Nov 2026) | ₹28.57 (9 Nov 2026) |
| 1Y return | 7.4% | 6.8% |
| 3Y CAGR | 8.9% | 8.2% |
| 5Y CAGR | 8.0% | 7.2% |
| Since launch (CAGR) | 8.9% | 8.7% |
| Expense ratio | 0.80% | 1.01% |
| AUM | ₹6,326 cr | ₹7,617 cr |
| Risk-o-meter | High | High |
| Benchmark | CRISIL Credit Risk Debt B-II Index | NIFTY Credit Risk Bond Index B-II |
| Exit load | In terms of SEBI circular no. SEBI/IMD/CIR No. 4/ 168230/09 dated June 30, 2009 it is notified that w.e.f. August 01, 2009 there will be no entry load charged to the schemes of the Mutual Fund and the upfront commission to distributors will be paid by the investor directly to the distributor, based on his assessment… | 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 |
| Holdings | 99 | 93 |
| Top 10 holdings weight | 31.2% | 31.1% |
| Portfolio overlap | About 16% 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 →ICICI Prudential Credit Risk Fund has the higher 5-year CAGR (as of 9 Nov 2026): ICICI Prudential Credit Risk Fund 8.0% a year vs HDFC Credit Risk Fund 7.2% a year. Past performance is not indicative of future results.
ICICI Prudential Credit Risk Fund costs less: ICICI Prudential Credit Risk Fund charges 0.80% a year and HDFC Credit Risk Fund 1.01% a year.
HDFC Credit Risk Fund is larger: ICICI Prudential Credit Risk Fund manages ₹6,326 cr and HDFC Credit Risk Fund ₹7,617 cr (as of 9 Nov 2026).
About 16% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "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