Should I invest in HDFC Credit Risk Debt Fund - Quarterly IDCW?

We don't give personal investment advice. HDFC Credit Risk Debt Fund - Quarterly IDCW - 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: 3.8%. 5-year CAGR: 0.05%.

HDFC

HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan

Latest NAV

₹10.8364

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	+0.04%	+13.44%	-13.41	31 / 44	Q3
1W	+0.26%	+26.93%	-26.67	23 / 51	Q2
2W	+0.41%	+44.08%	-43.67	23 / 45	Q3
1M	+0.25%	+44.33%	-44.08	29 / 45	Q3
3M	-0.46%	+45.80%	-46.26	37 / 45	Q4
6M	-0.08%	+47.80%	-47.88	31 / 45	Q3
YTD	+0.79%	+45.06%	-44.28	27 / 45	Q3
1Y	-0.23%	+37.65%	-37.88	30 / 50	Q3
2Y	+0.72%	+0.08%	+0.63	33 / 49	Q3
3Y	+0.39%	+4.19%	-3.80	28 / 37	Q4
4Y	+0.73%	+4.28%	-3.55	26 / 33	Q4
5Y	+0.05%	+4.97%	-4.92	29 / 33	Q4
7Y	+0.38%	+3.15%	-2.77	30 / 33	Q4
10Y	+0.08%	+2.93%	-2.86	25 / 26	Q4
Inception	+0.65%	-10.07%	+10.72	39 / 54	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	+0.79%	+1.31%	-0.52	18 / 32
2025	+1.35%	+5.69%	-4.34	24 / 32
2024	+0.81%	+4.08%	-3.27	20 / 32
2023	+0.14%	+1.03%	-0.88	28 / 33
2022	-1.42%	+58.89%	-60.32	38 / 39
2021	+0.15%	-8.73%	+8.88	24 / 44
2020	+2.33%	-3.99%	+6.32	11 / 39
2019	+0.05%	-0.88%	+0.93	19 / 35
2018	-4.55%	+0.62%	-5.16	30 / 34
2017	+0.88%	+1.91%	-1.03	13 / 29
2016	+2.11%	+4.63%	-2.52	17 / 28

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

+0.41%

137 windows

min -4.4% · max 6.0%

64% positive

3-Year rolling

+0.17%

113 windows

min -1.8% · max 2.9%

57% positive

5-Year rolling

+0.12%

88 windows

min -0.7% · max 0.7%

72% positive

7-Year rolling

+0.14%

64 windows

min -0.7% · max 1.1%

61% 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

3.27%

3-year · annualised

Sharpe ratio

-1.85

vs risk-free 6.5%

Sortino ratio

-2.36

Downside-only deviation

Max drawdown

-2.31%

Jun 2023 → Jun 2023

% positive months

66.7%

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 - IDCW Option - Direct Plan	HDFC	₹24.1395	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.6214	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.9696	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,310.3743	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.3422	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.2712	3 Jun 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.4973	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2097	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.8364
2 Jun 2026	₹10.8388
1 Jun 2026	₹10.8350
29 May 2026	₹10.8268
27 May 2026	₹10.8185
26 May 2026	₹10.8109
25 May 2026	₹10.8081
22 May 2026	₹10.7919
21 May 2026	₹10.7854
20 May 2026	₹10.7958

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 - Quarterly IDCW - Direct Plan is ₹10.8364. It's a Credit Risk Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Credit Risk Debt Fund - Quarterly IDCW - 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 - Quarterly IDCW - 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 - Quarterly IDCW - Direct Plan has delivered a absolute return of -0.23% — -37.88 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #30 of 50 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan has delivered a CAGR of 0.39% — -3.8 pp behind the Credit Risk Fund category average of 4.19%. The fund ranks #28 of 37 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan has delivered a CAGR of 0.05% — -4.92 pp behind the Credit Risk Fund category average of 4.97%. The fund ranks #29 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan exactly 10 years ago would be worth approximately ₹100,767 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.08%. The category average over the same window would have grown ₹1 lakh to ₹133,503.

A ₹10,000 monthly SIP in HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹609,619 today. That's an XIRR (money-weighted annualised return) of 0.63%.

A ₹10,000 monthly SIP for 10 years in HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,221,895 (multiplier 1.02×). XIRR: 0.36%. 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 - Quarterly IDCW - Direct Plan ranks #29 out of 33 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 4.97%; this fund delivered 0.05%.

The worst peak-to-trough decline HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan has experienced over the last 5-year window is 3.79% — its NAV fell from a high on 27 Sep 2021 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 - Quarterly IDCW - Direct Plan averaged 0.12% (best 0.73%, worst -0.67%). 72% of rolling windows ended positive. The 5-year Sharpe ratio is -1.95 — negative risk-adjusted performance.

In calendar year 2025, HDFC Credit Risk Debt Fund - Quarterly IDCW - Direct Plan returned 1.35% — lagging the Credit Risk Fund category average of 5.69% by 4.34 pp. It ranked #24 of 32 in its category that year.

HDFC Credit Risk Debt Fund - Quarterly IDCW - 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 - Quarterly IDCW - 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: 3.8%. 5-year CAGR: 0.05%.

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