Should I invest in HDFC Credit Risk Debt Fund?

We don't give personal investment advice. HDFC Credit Risk Debt Fund - Growth Option - Direct Plan 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: 1.5%. 5-year CAGR: 7.03%.

HDFC

HDFC Credit Risk Debt Fund - Growth Option - Direct Plan

Latest NAV

₹27.5375

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%	+18.47%	-18.44	14 / 16	Q4
1W	+0.26%	+15.49%	-15.23	9 / 19	Q2
2W	+0.41%	+29.32%	-28.91	10 / 17	Q3
1M	+0.25%	+29.50%	-29.25	13 / 17	Q4
3M	+0.93%	+31.41%	-30.48	13 / 17	Q4
6M	+2.54%	+34.09%	-31.54	12 / 17	Q3
YTD	+2.20%	+31.67%	-29.48	12 / 17	Q3
1Y	+6.13%	+32.15%	-26.03	13 / 18	Q3
2Y	+7.90%	+9.01%	-1.10	13 / 17	Q4
3Y	+7.79%	+9.42%	-1.63	12 / 14	Q4
4Y	+7.74%	+8.71%	-0.97	9 / 13	Q3
5Y	+7.03%	+8.37%	-1.34	10 / 13	Q4
7Y	+7.92%	+7.50%	+0.42	6 / 13	Q2
10Y	+8.05%	+7.61%	+0.43	5 / 12	Q2
Inception	+8.65%	+2.17%	+6.48	8 / 18	Q2

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	+2.20%	+2.95%	-0.75	9 / 13
2025	+8.55%	+11.47%	-2.92	11 / 13
2024	+8.76%	+8.95%	-0.18	6 / 13
2023	+7.31%	+1.35%	+5.95	12 / 15
2022	+4.37%	+43.89%	-39.51	11 / 15
2021	+7.53%	-0.51%	+8.04	5 / 16
2020	+11.34%	+2.43%	+8.90	1 / 14
2019	+9.14%	+4.87%	+4.28	4 / 13
2018	+6.10%	+6.20%	-0.10	11 / 13
2017	+7.31%	+8.01%	-0.70	11 / 12
2016	+11.96%	+11.27%	+0.69	2 / 12

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

+8.62%

137 windows

min 3.9% · max 13.5%

100% positive

3-Year rolling

+8.33%

113 windows

min 6.4% · max 11.5%

100% positive

5-Year rolling

+8.27%

88 windows

min 7.0% · max 9.7%

100% positive

7-Year rolling

+8.30%

64 windows

min 7.5% · max 9.7%

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

0.94

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.40%

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 - Direct Plan - Growth Plan	Nippon India	₹41.2014	3 Jun 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹52.3817	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹37.5622	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,293.2545	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.6046	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.2820	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.2782	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹59.3955	3 Jun 2026
HSBC Credit Risk Fund - Direct Growth	HSBC	₹36.8522	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹27.5375
2 Jun 2026	₹27.5437
1 Jun 2026	₹27.5341
29 May 2026	₹27.5132
27 May 2026	₹27.4920
26 May 2026	₹27.4726
25 May 2026	₹27.4656
22 May 2026	₹27.4245
21 May 2026	₹27.4080
20 May 2026	₹27.4344

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 - Direct Plan is ₹27.5375. It's a Credit Risk Fund from HDFC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Credit Risk Debt Fund - Growth Option - Direct Plan 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 - Direct Plan 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 - Direct Plan has delivered a absolute return of 6.13% — -26.03 pp behind the Credit Risk Fund category average of 32.15%. The fund ranks #13 of 18 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Credit Risk Debt Fund - Growth Option - Direct Plan has delivered a CAGR of 7.79% — -1.63 pp behind the Credit Risk Fund category average of 9.42%. The fund ranks #12 of 14 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Credit Risk Debt Fund - Growth Option - Direct Plan has delivered a CAGR of 7.03% — -1.34 pp behind the Credit Risk Fund category average of 8.37%. The fund ranks #10 of 13 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Credit Risk Debt Fund - Growth Option - Direct Plan exactly 10 years ago would be worth approximately ₹216,864 today — a multiplier of 2.17×, based on the 10-year CAGR of 8.05%. The category average over the same window would have grown ₹1 lakh to ₹208,307.

A ₹10,000 monthly SIP in HDFC Credit Risk Debt Fund - Growth Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹724,487 today. That's an XIRR (money-weighted annualised return) of 7.47%.

A ₹10,000 monthly SIP for 10 years in HDFC Credit Risk Debt Fund - Growth Option - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,786,964 (multiplier 1.49×). XIRR: 7.72%. 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 - Direct Plan ranks #10 out of 13 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 8.37%; this fund delivered 7.03%.

The worst peak-to-trough decline HDFC Credit Risk Debt Fund - Growth Option - Direct Plan has experienced over the last 5-year window is 1.54% — 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 - Direct Plan averaged 8.27% (best 9.66%, worst 7.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.26 — weak risk-adjusted performance.

In calendar year 2025, HDFC Credit Risk Debt Fund - Growth Option - Direct Plan returned 8.55% — lagging the Credit Risk Fund category average of 11.47% by 2.92 pp. It ranked #11 of 13 in its category that year.

HDFC Credit Risk Debt Fund - Growth Option - Direct Plan 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 - Direct Plan 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: 1.5%. 5-year CAGR: 7.03%.

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 - Direct Plan

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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