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Two Credit risk funds side by side: returns, costs, size, risk and how much their portfolios overlap.
Aditya Birla Sun Life Credit Risk Fund vs HSBC Credit Risk Fund, as of 9 Nov 2026: Aditya Birla Sun Life Credit Risk Fund NAV ₹28.36, 3Y CAGR 13.0%, expense ratio 0.80%; HSBC Credit Risk Fund NAV ₹38.03, 3Y CAGR 11.6%, expense ratio 0.84%; about 9% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| Aditya Birla Sun Life Credit Risk Fund Direct Growth | HSBC Credit Risk Fund Direct Growth | |
|---|---|---|
| Category | Credit risk | Credit risk |
| Fund house | Aditya Birla Sun Life Mutual Fund | HSBC Mutual Fund |
| Plan | Direct Plan · GROWTH | Direct Plan · Growth |
| NAV | ₹28.36 (9 Nov 2026) | ₹38.03 (9 Nov 2026) |
| 1Y return | 11.6% | 6.1% |
| 3Y CAGR | 13.0% | 11.6% |
| 5Y CAGR | 10.9% | — |
| Since launch (CAGR) | 9.4% | 10.6% |
| Expense ratio | 0.80% | 0.84% |
| AUM | ₹1,735 cr | ₹439 cr |
| Risk-o-meter | High | Moderately High |
| Benchmark | CRISIL Credit Risk Debt B-II Index | NIFTY Credit Risk Bond Index B-II |
| Exit load | For redemption / switch-out of units within 365 days from the date of allotment: 3. 00% of applicable NAV. For redemption / switch-out of units after 365 days but within 730 days from the date of allotment: 2. 00% of applicable NAV. For redemption / switch-out of units after 730 days but within 1095 days from the… | 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 | 51 | 30 |
| Top 10 holdings weight | 40.2% | 58.5% |
| Portfolio overlap | About 9% 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 →Aditya Birla Sun Life Credit Risk Fund has the higher 3-year CAGR (as of 9 Nov 2026): Aditya Birla Sun Life Credit Risk Fund 13.0% a year vs HSBC Credit Risk Fund 11.6% a year. Past performance is not indicative of future results.
Aditya Birla Sun Life Credit Risk Fund costs less: Aditya Birla Sun Life Credit Risk Fund charges 0.80% a year and HSBC Credit Risk Fund 0.84% a year.
Aditya Birla Sun Life Credit Risk Fund is larger: Aditya Birla Sun Life Credit Risk Fund manages ₹1,735 cr and HSBC Credit Risk Fund ₹439 cr (as of 9 Nov 2026).
About 9% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Aditya Birla Sun Life 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