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

We don't give personal investment advice. HDFC Credit Risk Debt Fund - Quarterly 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: 4.6%. 5-year CAGR: -0.23%.

HDFC

HDFC Credit Risk Debt Fund - Quarterly IDCW Option

Latest NAV

₹10.4777

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%	+53.59%	-53.55	6 / 11	Q3
1W	+0.25%	+30.19%	-29.94	6 / 13	Q2
2W	+0.39%	+41.30%	-40.91	8 / 12	Q3
1M	+0.21%	+41.75%	-41.54	8 / 12	Q3
3M	-0.45%	+43.25%	-43.70	10 / 12	Q4
6M	-0.15%	+45.00%	-45.16	7 / 12	Q3
YTD	+0.71%	+42.20%	-41.49	9 / 12	Q3
1Y	-0.39%	+50.25%	-50.64	8 / 12	Q3
2Y	+0.60%	+18.45%	-17.85	8 / 11	Q3
3Y	+0.31%	+3.72%	-3.42	6 / 9	Q3
4Y	+0.65%	+3.39%	-2.74	7 / 9	Q4
5Y	-0.23%	+3.15%	-3.38	7 / 9	Q4
7Y	+0.07%	+2.11%	-2.04	6 / 8	Q3
10Y	-0.19%	+2.30%	-2.49	7 / 7	Q4
Inception	+0.38%	+18.69%	-18.31	11 / 11	Q4

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	+0.71%	+1.30%	-0.59	4 / 5
2025	+1.15%	+4.18%	-3.03	4 / 5
2024	+0.75%	+3.64%	-2.89	4 / 5
2023	+0.15%	-11.24%	+11.38	6 / 7
2022	-1.65%	+60.56%	-62.21	9 / 10
2021	-1.19%	+0.71%	-1.91	7 / 10
2020	+2.02%	+0.51%	+1.51	4 / 9
2019	+0.07%	+1.65%	-1.58	7 / 9
2018	-2.73%	+1.81%	-4.54	9 / 9
2017	-1.90%	+1.49%	-3.39	8 / 9
2016	+2.15%	+4.19%	-2.04	5 / 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

+0.12%

137 windows

min -5.1% · max 5.5%

55% positive

3-Year rolling

-0.14%

113 windows

min -1.9% · max 2.7%

40% positive

5-Year rolling

-0.20%

88 windows

min -1.0% · max 0.5%

22% positive

7-Year rolling

-0.18%

64 windows

min -1.0% · max 0.7%

38% 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

3.06%

3-year · annualised

Sharpe ratio

-2.01

vs risk-free 6.5%

Sortino ratio

-2.55

Downside-only deviation

Max drawdown

-2.17%

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	HDFC	₹23.3474	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
ICICI Prudential Credit Risk Fund - Quarterly IDCW	ICICI Prudential	₹11.2642	3 Jun 2026
Franklin India Credit Risk Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	3 Jun 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	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.4777
2 Jun 2026	₹10.4803
1 Jun 2026	₹10.4767
29 May 2026	₹10.4692
27 May 2026	₹10.4614
26 May 2026	₹10.4542
25 May 2026	₹10.4517
22 May 2026	₹10.4365
21 May 2026	₹10.4303
20 May 2026	₹10.4405

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 Option is ₹10.4777. 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 - Quarterly IDCW 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 - Quarterly 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 - Quarterly IDCW Option has delivered a absolute return of -0.39% — -50.64 pp behind the Credit Risk Fund category average of 50.25%. The fund ranks #8 of 12 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Credit Risk Debt Fund - Quarterly IDCW Option has delivered a CAGR of 0.31% — -3.42 pp behind the Credit Risk Fund category average of 3.72%. The fund ranks #6 of 9 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Credit Risk Debt Fund - Quarterly IDCW Option has delivered a CAGR of -0.23% — -3.38 pp behind the Credit Risk Fund category average of 3.15%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Credit Risk Debt Fund - Quarterly IDCW Option exactly 10 years ago would be worth approximately ₹98,132 today — a multiplier of 0.98×, based on the 10-year CAGR of -0.19%. The category average over the same window would have grown ₹1 lakh to ₹125,517.

A ₹10,000 monthly SIP in HDFC Credit Risk Debt Fund - Quarterly IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹607,616 today. That's an XIRR (money-weighted annualised return) of 0.50%.

A ₹10,000 monthly SIP for 10 years in HDFC Credit Risk Debt Fund - Quarterly IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,206,863 (multiplier 1.01×). XIRR: 0.11%. 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 Option ranks #7 out of 9 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 3.15%; this fund delivered -0.23%.

The worst peak-to-trough decline HDFC Credit Risk Debt Fund - Quarterly IDCW Option has experienced over the last 5-year window is 4.57% — its NAV fell from a high on 15 Jun 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 Option averaged -0.20% (best 0.48%, worst -0.96%). 22% of rolling windows ended positive. The 5-year Sharpe ratio is -2.11 — negative risk-adjusted performance.

In calendar year 2025, HDFC Credit Risk Debt Fund - Quarterly IDCW Option returned 1.15% — lagging the Credit Risk Fund category average of 4.18% by 3.03 pp. It ranked #4 of 5 in its category that year.

HDFC Credit Risk Debt Fund - Quarterly 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 - Quarterly 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: 4.6%. 5-year CAGR: -0.23%.

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