Should I invest in HSBC Credit Risk Fund - Direct Growth?

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

Latest NAV

₹36.8522

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%	+18.47%	-18.43	12 / 16	Q3
1W	+0.24%	+15.49%	-15.25	11 / 19	Q3
2W	+0.36%	+29.32%	-28.96	13 / 17	Q4
1M	+0.31%	+29.50%	-29.19	12 / 17	Q3
3M	+1.03%	+31.41%	-30.37	12 / 17	Q3
6M	+2.39%	+34.09%	-31.70	13 / 17	Q4
YTD	+2.00%	+31.67%	-29.67	13 / 17	Q4
1Y	+5.42%	+32.15%	-26.73	15 / 18	Q4
2Y	+13.71%	+9.01%	+4.71	5 / 17	Q2
3Y	+11.55%	+9.42%	+2.13	3 / 14	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+10.98%	+2.17%	+8.81	3 / 18	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	+2.00%	+2.95%	-0.94	10 / 13
2025	+21.22%	+11.47%	+9.75	2 / 13
2024	+7.96%	+8.95%	-0.99	13 / 13
2023	+7.35%	+1.35%	+6.00	11 / 15
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

+12.91%

31 windows

min 5.4% · max 23.0%

100% positive

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

3-Year rolling

+11.82%

7 windows

min 11.5% · max 12.0%

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

6.65%

3-year · annualised

Sharpe ratio

0.70

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.38%

May 2026 → May 2026

% positive months

100.0%

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 - Growth Option - Direct Plan	HDFC	₹27.5375	3 Jun 2026
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

Recent NAVs

Date	NAV
3 Jun 2026	₹36.8522
2 Jun 2026	₹36.8563
1 Jun 2026	₹36.8402
29 May 2026	₹36.8156
27 May 2026	₹36.7903
26 May 2026	₹36.7668
25 May 2026	₹36.7596
22 May 2026	₹36.7027
21 May 2026	₹36.6834
20 May 2026	₹36.7133

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 Growth is ₹36.8522. It's a Credit Risk Fund from HSBC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HSBC Credit Risk Fund - Direct Growth 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 Growth 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 Growth has delivered a absolute return of 5.42% — -26.73 pp behind the Credit Risk Fund category average of 32.15%. The fund ranks #15 of 18 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Credit Risk Fund - Direct Growth has delivered a CAGR of 11.55% — +2.13 pp ahead of the Credit Risk Fund category average of 9.42%. The fund ranks #3 of 14 in its category — the top (Q1) quartile.

HSBC Credit Risk Fund - Direct Growth 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 Growth exactly 3 years ago would be worth approximately ₹138,800 today — a multiplier of 1.39×, based on the 3-year CAGR of 11.55%. The category average over the same window would have grown ₹1 lakh to ₹131,015.

A ₹10,000 monthly SIP in HSBC Credit Risk Fund - Direct Growth over the last 3 years — total invested ₹360,000 — would be worth ₹433,161 today. That's an XIRR (money-weighted annualised return) of 12.38%.

HSBC Credit Risk Fund - Direct Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹433,161 — XIRR 12.38%.

On a 3-year basis, HSBC Credit Risk Fund - Direct Growth ranks #3 out of 14 funds in the Credit Risk Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 9.42%; this fund delivered 11.55%.

The worst peak-to-trough decline HSBC Credit Risk Fund - Direct Growth has experienced over the last 3-year window is 0.38% — its NAV fell from a high on 07 May 2026 to a low on 21 May 2026. 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 Growth averaged 11.82% (best 12.03%, worst 11.55%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.70 — reasonable risk-adjusted performance.

In calendar year 2025, HSBC Credit Risk Fund - Direct Growth returned 21.22% — beating the Credit Risk Fund category average of 11.47% by 9.75 pp. It ranked #2 of 13 in its category that year.

HSBC Credit Risk Fund - Direct Growth 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 Growth 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.