Should I invest in HSBC Credit Risk Fund - Direct Annual IDCW?

We don't give personal investment advice. HSBC Credit Risk Fund - Direct Annual IDCW 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.

HSBC

HSBC Credit Risk Fund - Direct Annual IDCW

Latest NAV

₹13.3661

As of

3 Jun 2026

850 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%	-13.40	26 / 44	Q3
1W	+0.24%	+26.93%	-26.69	25 / 51	Q2
2W	+0.36%	+44.08%	-43.72	26 / 45	Q3
1M	+0.31%	+44.33%	-44.02	25 / 45	Q3
3M	-7.05%	+45.80%	-52.85	44 / 45	Q4
6M	-5.80%	+47.80%	-53.60	44 / 45	Q4
YTD	-6.15%	+45.06%	-51.22	44 / 45	Q4
1Y	-3.01%	+37.65%	-40.66	44 / 50	Q4
2Y	+4.24%	+0.08%	+4.15	26 / 49	Q3
3Y	+2.39%	+4.19%	-1.81	22 / 37	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.52%	-10.07%	+11.59	27 / 54	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	-6.15%	+1.31%	-7.46	32 / 32
2025	+10.71%	+5.69%	+5.02	3 / 32
2024	-0.65%	+4.08%	-4.72	31 / 32
2023	+1.55%	+1.03%	+0.52	20 / 33
2022	—	—	—	—

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

+3.94%

31 windows

min -3.0% · max 12.3%

55% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+3.18%

7 windows

min 2.4% · max 3.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

10.24%

3-year · annualised

Sharpe ratio

-0.35

vs risk-free 6.5%

Sortino ratio

-0.50

Downside-only deviation

Max drawdown

-8.60%

Mar 2025 → Mar 2025

% positive months

91.7%

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	₹13.3661
2 Jun 2026	₹13.3676
1 Jun 2026	₹13.3617
29 May 2026	₹13.3528
27 May 2026	₹13.3437
26 May 2026	₹13.3351
25 May 2026	₹13.3325
22 May 2026	₹13.3119
21 May 2026	₹13.3049
20 May 2026	₹13.3157

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 HSBC Credit Risk Fund - Direct Annual IDCW is ₹13.3661. It's a Credit Risk Fund from HSBC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Credit Risk Fund - Direct Annual IDCW has NAV history starting from 28 Nov 2022, a track record of about 3 years 6 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

HSBC Credit Risk Fund - Direct Annual IDCW is managed by HSBC. 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, HSBC Credit Risk Fund - Direct Annual IDCW has delivered a absolute return of -3.01% — -40.66 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #44 of 50 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Credit Risk Fund - Direct Annual IDCW has delivered a CAGR of 2.39% — -1.81 pp behind the Credit Risk Fund category average of 4.19%. The fund ranks #22 of 37 in its category — the third (Q3) quartile.

HSBC Credit Risk Fund - Direct Annual IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in HSBC Credit Risk Fund - Direct Annual IDCW exactly 3 years ago would be worth approximately ₹107,331 today — a multiplier of 1.07×, based on the 3-year CAGR of 2.39%. The category average over the same window would have grown ₹1 lakh to ₹113,113.

A ₹10,000 monthly SIP in HSBC Credit Risk Fund - Direct Annual IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹368,157 today. That's an XIRR (money-weighted annualised return) of 1.46%.

HSBC Credit Risk Fund - Direct Annual IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹368,157 — XIRR 1.46%.

On a 3-year basis, HSBC Credit Risk Fund - Direct Annual IDCW ranks #22 out of 37 funds in the Credit Risk Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.19%; this fund delivered 2.39%.

The worst peak-to-trough decline HSBC Credit Risk Fund - Direct Annual IDCW has experienced over the last 3-year window is 8.60% — its NAV fell from a high on 25 Mar 2025 to a low on 26 Mar 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, HSBC Credit Risk Fund - Direct Annual IDCW averaged 3.18% (best 3.78%, worst 2.39%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.35 — negative risk-adjusted performance.

In calendar year 2025, HSBC Credit Risk Fund - Direct Annual IDCW returned 10.71% — beating the Credit Risk Fund category average of 5.69% by 5.02 pp. It ranked #3 of 32 in its category that year.

HSBC Credit Risk Fund - Direct Annual IDCW 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. HSBC Credit Risk Fund - Direct Annual IDCW 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.

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