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

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

Latest NAV

₹33.7773

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%	+0.04%	+0.00	6 / 8	Q3
1W	+0.23%	+20.96%	-20.73	5 / 9	Q3
2W	+0.33%	+36.31%	-35.98	5 / 8	Q3
1M	+0.26%	+36.44%	-36.18	6 / 8	Q3
3M	+0.86%	+38.01%	-37.15	6 / 8	Q3
6M	+2.04%	+40.85%	-38.82	6 / 8	Q3
YTD	+1.71%	+38.38%	-36.67	6 / 8	Q3
1Y	+4.70%	+30.24%	-25.53	7 / 9	Q4
2Y	+12.87%	-0.66%	+13.52	3 / 9	Q2
3Y	+10.70%	+8.30%	+2.40	2 / 7	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+10.12%	-11.82%	+21.94	2 / 10	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	+1.71%	+2.47%	-0.75	5 / 7
2025	+20.33%	+10.49%	+9.83	1 / 7
2024	+7.10%	+8.22%	-1.12	7 / 7
2023	+6.48%	+7.37%	-0.89	6 / 7
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

+12.03%

31 windows

min 4.7% · max 22.0%

100% positive

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

3-Year rolling

+10.95%

7 windows

min 10.7% · max 11.1%

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

0.59

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.41%

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
Invesco India Credit Risk Fund - Regular Plan - Growth	Invesco	₹2,038.4448	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Growth	Bandhan	₹16.9818	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹24.7007	3 Jun 2026
Baroda BNP Paribas Credit Risk fund -Regular-Growth -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular Growth Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Growth Option	UTI	₹0.0000	3 Jun 2026
Axis Credit Risk Fund - Regular Plan - Growth	Axis	₹22.7579	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹33.7773
2 Jun 2026	₹33.7817
1 Jun 2026	₹33.7676
29 May 2026	₹33.7469
27 May 2026	₹33.7250
26 May 2026	₹33.7041
25 May 2026	₹33.6982
22 May 2026	₹33.6478
21 May 2026	₹33.6308
20 May 2026	₹33.6588

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 - Regular Growth is ₹33.7773. It's a Credit Risk Fund from HSBC, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

HSBC Credit Risk Fund - Regular 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 - Regular 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 - Regular Growth has delivered a absolute return of 4.70% — -25.53 pp behind the Credit Risk Fund category average of 30.24%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Credit Risk Fund - Regular Growth has delivered a CAGR of 10.70% — +2.4 pp ahead of the Credit Risk Fund category average of 8.30%. The fund ranks #2 of 7 in its category — the second (Q2) quartile.

HSBC Credit Risk Fund - Regular 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 - Regular Growth exactly 3 years ago would be worth approximately ₹135,640 today — a multiplier of 1.36×, based on the 3-year CAGR of 10.70%. The category average over the same window would have grown ₹1 lakh to ₹127,020.

A ₹10,000 monthly SIP in HSBC Credit Risk Fund - Regular Growth over the last 3 years — total invested ₹360,000 — would be worth ₹427,938 today. That's an XIRR (money-weighted annualised return) of 11.54%.

HSBC Credit Risk Fund - Regular Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹427,938 — XIRR 11.54%.

On a 3-year basis, HSBC Credit Risk Fund - Regular Growth ranks #2 out of 7 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 8.30%; this fund delivered 10.70%.

The worst peak-to-trough decline HSBC Credit Risk Fund - Regular Growth has experienced over the last 3-year window is 0.41% — 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 - Regular Growth averaged 10.95% (best 11.14%, worst 10.70%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.59 — reasonable risk-adjusted performance.

In calendar year 2025, HSBC Credit Risk Fund - Regular Growth returned 20.33% — beating the Credit Risk Fund category average of 10.49% by 9.83 pp. It ranked #1 of 7 in its category that year.

HSBC Credit Risk Fund - Regular 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 - Regular 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.