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Two Credit risk funds side by side: returns, costs, size, risk and how much their portfolios overlap.
HDFC Credit Risk Fund vs HSBC Credit Risk Fund, as of 9 Nov 2026: HDFC Credit Risk Fund NAV ₹28.57, 3Y CAGR 8.2%, expense ratio 1.01%; HSBC Credit Risk Fund NAV ₹38.03, 3Y CAGR 11.6%, expense ratio 0.84%; about 16% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| HDFC Credit Risk Fund Direct Growth | HSBC Credit Risk Fund Direct Growth | |
|---|---|---|
| Category | Credit risk | Credit risk |
| Fund house | HDFC Mutual Fund | HSBC Mutual Fund |
| Plan | Direct Plan · Growth Option | Direct Plan · Growth |
| NAV | ₹28.57 (9 Nov 2026) | ₹38.03 (9 Nov 2026) |
| 1Y return | 6.8% | 6.1% |
| 3Y CAGR | 8.2% | 11.6% |
| 5Y CAGR | 7.2% | — |
| Since launch (CAGR) | 8.7% | 10.6% |
| Expense ratio | 1.01% | 0.84% |
| AUM | ₹7,617 cr | ₹439 cr |
| Risk-o-meter | High | Moderately High |
| Benchmark | NIFTY Credit Risk Bond Index B-II | NIFTY Credit Risk Bond Index B-II |
| Exit load | 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… | 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 | 93 | 30 |
| Top 10 holdings weight | 31.1% | 58.5% |
| 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 →HSBC Credit Risk Fund has the higher 3-year CAGR (as of 9 Nov 2026): HDFC Credit Risk Fund 8.2% 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: HDFC Credit Risk Fund charges 1.01% a year and HSBC Credit Risk Fund 0.84% a year.
HDFC Credit Risk Fund is larger: HDFC Credit Risk Fund manages ₹7,617 cr and HSBC Credit Risk Fund ₹439 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.
HDFC Credit Risk Fund is rated "High" and HSBC Credit Risk Fund "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