Should I invest in HDFC Credit Risk Debt Fund?

We don't give personal investment advice. HDFC Credit Risk Debt Fund - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.6%. 5-year CAGR: 6.39%.

HDFC

HDFC Credit Risk Debt Fund - Growth Option

Latest NAV

₹25.3547

As of

3 Jun 2026

2,941 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.03%	+49.22%	-49.18	5 / 6	Q4
1W	+0.25%	+12.13%	-11.88	4 / 8	Q2
2W	+0.39%	+28.34%	-27.94	4 / 7	Q3
1M	+0.21%	+28.59%	-28.38	5 / 7	Q3
3M	+0.80%	+30.18%	-29.38	5 / 7	Q3
6M	+2.27%	+32.90%	-30.63	5 / 7	Q3
YTD	+1.97%	+30.11%	-28.14	5 / 7	Q3
1Y	+5.53%	+38.87%	-33.35	6 / 7	Q4
2Y	+7.28%	+20.86%	-13.58	5 / 6	Q4
3Y	+7.15%	+8.27%	-1.11	5 / 5	Q4
4Y	+7.10%	+7.20%	-0.10	3 / 5	Q3
5Y	+6.39%	+6.88%	-0.49	4 / 5	Q4
7Y	+7.32%	+6.81%	+0.50	3 / 5	Q3
10Y	+7.37%	+7.08%	+0.28	3 / 5	Q3
Inception	+7.92%	+21.29%	-13.37	4 / 6	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+1.97%	+2.01%	-0.04	3 / 4
2025	+7.92%	+8.83%	-0.91	4 / 4
2024	+8.10%	+7.92%	+0.18	3 / 4
2023	+6.66%	-11.13%	+17.78	3 / 6
2022	+3.71%	+52.98%	-49.27	5 / 6
2021	+6.93%	+4.91%	+2.02	3 / 6
2020	+10.83%	+4.18%	+6.65	1 / 5
2019	+8.67%	+6.59%	+2.07	3 / 5
2018	+5.28%	+6.45%	-1.17	5 / 5
2017	+6.32%	+6.89%	-0.57	5 / 5
2016	+10.90%	+9.88%	+1.03	1 / 5

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.87%

137 windows

min 3.2% · max 12.8%

100% positive

3-Year rolling

+7.60%

113 windows

min 5.7% · max 10.5%

100% positive

5-Year rolling

+7.58%

88 windows

min 6.4% · max 8.7%

100% positive

7-Year rolling

+7.61%

64 windows

min 6.8% · max 8.9%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.09%

3-year · annualised

Sharpe ratio

0.40

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.42%

May 2026 → May 2026

% positive months

97.2%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Credit Risk Fund

Scheme	Fund house	NAV	As of
Nippon India Credit Risk Fund - Growth Plan	Nippon India	₹37.1779	3 Jun 2026
ICICI Prudential Credit Risk Fund - Growth	ICICI Prudential	₹33.8855	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Growth	Kotak	₹31.0974	3 Jun 2026
Baroda BNP Paribas Credit risk fund -Defunct -Growth option -Seg-Portfolio 2 (erstwhile BBNPP Medium Duration Fund-Defunct Growth Option Seg.Portfolio1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹25.3547
2 Jun 2026	₹25.3608
1 Jun 2026	₹25.3522
29 May 2026	₹25.3341
27 May 2026	₹25.3152
26 May 2026	₹25.2977
25 May 2026	₹25.2916
22 May 2026	₹25.2548
21 May 2026	₹25.2400
20 May 2026	₹25.2646

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of HDFC Credit Risk Debt Fund - Growth Option is ₹25.3547. It's a Credit Risk Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Credit Risk Debt Fund - Growth Option has NAV history starting from 25 Mar 2014, a track record of about 12 years 2 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

HDFC Credit Risk Debt Fund - Growth Option is managed by HDFC. It's classified by AMFI under the 'Credit Risk Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HDFC Credit Risk Debt Fund - Growth Option has delivered a absolute return of 5.53% — -33.35 pp behind the Credit Risk Fund category average of 38.87%. The fund ranks #6 of 7 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Credit Risk Debt Fund - Growth Option has delivered a CAGR of 7.15% — -1.11 pp behind the Credit Risk Fund category average of 8.27%. The fund ranks #5 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Credit Risk Debt Fund - Growth Option has delivered a CAGR of 6.39% — -0.49 pp behind the Credit Risk Fund category average of 6.88%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Credit Risk Debt Fund - Growth Option exactly 10 years ago would be worth approximately ₹203,533 today — a multiplier of 2.04×, based on the 10-year CAGR of 7.37%. The category average over the same window would have grown ₹1 lakh to ₹198,270.

A ₹10,000 monthly SIP in HDFC Credit Risk Debt Fund - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹713,081 today. That's an XIRR (money-weighted annualised return) of 6.84%.

A ₹10,000 monthly SIP for 10 years in HDFC Credit Risk Debt Fund - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,728,472 (multiplier 1.44×). XIRR: 7.09%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Credit Risk Debt Fund - Growth Option ranks #4 out of 5 funds in the Credit Risk Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.88%; this fund delivered 6.39%.

The worst peak-to-trough decline HDFC Credit Risk Debt Fund - Growth Option has experienced over the last 5-year window is 1.59% — its NAV fell from a high on 05 Apr 2022 to a low on 06 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, HDFC Credit Risk Debt Fund - Growth Option averaged 7.58% (best 8.73%, worst 6.39%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.22 — negative risk-adjusted performance.

In calendar year 2025, HDFC Credit Risk Debt Fund - Growth Option returned 7.92% — lagging the Credit Risk Fund category average of 8.83% by 0.91 pp. It ranked #4 of 4 in its category that year.

HDFC Credit Risk Debt Fund - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. HDFC Credit Risk Debt Fund - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.6%. 5-year CAGR: 6.39%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

HDFC Credit Risk Debt Fund - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Credit Risk Fund

Recent NAVs

Frequently asked questions

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