Should I invest in HDFC Credit Risk Debt Fund?

We don't give personal investment advice. HDFC Credit Risk Debt Fund - IDCW 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: 6.56%.

HDFC

HDFC Credit Risk Debt Fund - IDCW Option

Latest NAV

₹23.7773

As of

17 Jul 2026

2,820 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	+0.04%	-0.02%	+0.06	3 / 9	Q2
1W	0.00%	+0.04%	-0.04	6 / 9	Q3
2W	+0.00%	+0.10%	-0.10	4 / 9	Q2
1M	+0.90%	+0.40%	+0.50	3 / 9	Q2
3M	+2.03%	+1.51%	+0.52	4 / 9	Q2
6M	+3.90%	+1.66%	+2.24	4 / 9	Q2
YTD	+3.82%	+1.66%	+2.16	3 / 9	Q2
1Y	+6.66%	+3.18%	+3.48	4 / 9	Q2
2Y	+7.79%	+3.70%	+4.09	4 / 9	Q2
3Y	+7.57%	+3.94%	+3.62	4 / 9	Q2
4Y	+7.37%	+3.37%	+4.00	3 / 9	Q2
5Y	+6.56%	+2.96%	+3.60	3 / 9	Q2
7Y	+7.40%	+2.20%	+5.20	1 / 8	Q1
10Y	+7.39%	+2.30%	+5.08	1 / 7	Q1
Inception	+7.71%	+3.05%	+4.66	2 / 9	Q1

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	+3.82%	+2.03%	+1.80	2 / 5
2025	+7.92%	+4.18%	+3.74	2 / 5
2024	+8.10%	+3.64%	+4.47	2 / 5
2023	+6.66%	+3.56%	+3.10	2 / 6
2022	+3.71%	+1.32%	+2.39	3 / 8
2021	+6.93%	+4.91%	+2.02	4 / 8
2020	+10.83%	+0.51%	+10.32	1 / 9
2019	+8.67%	+1.65%	+7.01	2 / 9
2018	+5.28%	+1.81%	+3.48	3 / 9
2017	+6.32%	+1.49%	+4.84	3 / 9
2016	+10.90%	+4.19%	+6.71	1 / 9

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

+7.65%

130 windows

min 3.1% · max 12.8%

100% positive

3-Year rolling

+7.36%

106 windows

min 5.7% · max 9.4%

100% positive

5-Year rolling

+7.47%

82 windows

min 6.4% · max 8.5%

100% positive

7-Year rolling

+7.43%

57 windows

min 6.7% · max 8.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

1.11%

3-year · annualised

Sharpe ratio

0.75

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
HDFC Credit Risk Debt Fund - Quarterly IDCW Option	HDFC	₹10.4797	17 Jul 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
ICICI Prudential Credit Risk Fund - Quarterly IDCW	ICICI Prudential	₹11.3276	17 Jul 2026
Franklin India Credit Risk Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	17 Jul 2026
Baroda BNP Paribas Credit Risk fund -Defunct -Monthly IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Defunct-Monthly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹23.7773
16 Jul 2026	₹23.7689
15 Jul 2026	₹23.7400
14 Jul 2026	₹23.7300
13 Jul 2026	₹23.7703
10 Jul 2026	₹23.7782
9 Jul 2026	₹23.7475
8 Jul 2026	₹23.7378
7 Jul 2026	₹23.7853
6 Jul 2026	₹23.7903

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 17 Jul 2026, the NAV of HDFC Credit Risk Debt Fund - IDCW Option is ₹23.7773. It's a Credit Risk Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Credit Risk Debt Fund - IDCW Option has NAV history starting from 20 Nov 2014, a track record of about 11 years 7 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 - IDCW 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 - IDCW Option has delivered a absolute return of 6.66% — +3.48 pp ahead of the Credit Risk Fund category average of 3.18%. The fund ranks #4 of 9 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HDFC Credit Risk Debt Fund - IDCW Option has delivered a CAGR of 7.57% — +3.62 pp ahead of the Credit Risk Fund category average of 3.94%. The fund ranks #4 of 9 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC Credit Risk Debt Fund - IDCW Option has delivered a CAGR of 6.56% — +3.6 pp ahead of the Credit Risk Fund category average of 2.96%. The fund ranks #3 of 9 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Credit Risk Debt Fund - IDCW Option exactly 10 years ago would be worth approximately ₹203,970 today — a multiplier of 2.04×, based on the 10-year CAGR of 7.39%. The category average over the same window would have grown ₹1 lakh to ₹125,589.

A ₹10,000 monthly SIP in HDFC Credit Risk Debt Fund - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹720,577 today. That's an XIRR (money-weighted annualised return) of 7.26%.

A ₹10,000 monthly SIP for 10 years in HDFC Credit Risk Debt Fund - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,744,504 (multiplier 1.45×). XIRR: 7.27%. 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 - IDCW Option ranks #3 out of 9 funds in the Credit Risk Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.96%; this fund delivered 6.56%.

The worst peak-to-trough decline HDFC Credit Risk Debt Fund - IDCW Option has experienced over the last 5-year window is 1.58% — 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 - IDCW Option averaged 7.47% (best 8.52%, worst 6.38%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.09 — negative risk-adjusted performance.

In calendar year 2025, HDFC Credit Risk Debt Fund - IDCW Option returned 7.92% — beating the Credit Risk Fund category average of 4.18% by 3.74 pp. It ranked #2 of 5 in its category that year.

HDFC Credit Risk Debt Fund - IDCW 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 - IDCW 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: 6.56%.

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

HDFC Credit Risk Debt Fund - IDCW 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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