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

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

Latest NAV

₹11.1541

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%	+0.01	24 / 36	Q3
1W	+0.23%	+23.03%	-22.80	18 / 41	Q2
2W	-0.29%	+40.35%	-40.64	36 / 36	Q4
1M	-0.37%	+40.52%	-40.90	36 / 36	Q4
3M	-1.01%	+41.87%	-42.88	33 / 36	Q4
6M	-1.70%	+43.31%	-45.01	33 / 36	Q4
YTD	-1.40%	+40.80%	-42.21	33 / 36	Q4
1Y	-2.78%	+29.96%	-32.74	34 / 41	Q4
2Y	+4.44%	-4.68%	+9.12	22 / 41	Q3
3Y	+2.76%	+4.58%	-1.82	20 / 31	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+2.82%	-16.47%	+19.29	15 / 46	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	-1.40%	+0.57%	-1.97	27 / 30
2025	+11.81%	+6.54%	+5.27	3 / 30
2024	-1.49%	+3.89%	-5.38	28 / 30
2023	+1.32%	+4.30%	-2.98	19 / 31
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

+4.13%

31 windows

min -2.8% · max 12.5%

58% positive

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

3-Year rolling

+3.34%

7 windows

min 2.8% · max 3.9%

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

-0.54

vs risk-free 6.5%

Sortino ratio

-4.56

Downside-only deviation

Max drawdown

-3.54%

May 2025 → May 2026

% positive months

30.6%

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
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.9589	3 Jun 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,037.8107	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.2544	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹12.9096	3 Jun 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.5239	3 Jun 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1227	3 Jun 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2656	3 Jun 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.2488	3 Jun 2026
Baroda BNP Paribas Credit Risk fund - Regular-Quarterly- IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular-Quarterly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.1541
2 Jun 2026	₹11.1555
1 Jun 2026	₹11.1509
29 May 2026	₹11.1441
27 May 2026	₹11.1368
26 May 2026	₹11.1299
25 May 2026	₹11.1979
22 May 2026	₹11.1812
21 May 2026	₹11.1756
20 May 2026	₹11.1849

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 IDCW is ₹11.1541. It's a Credit Risk Fund from HSBC, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Credit Risk Fund - Regular 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 - Regular 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 - Regular IDCW has delivered a absolute return of -2.78% — -32.74 pp behind the Credit Risk Fund category average of 29.96%. The fund ranks #34 of 41 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Credit Risk Fund - Regular IDCW has delivered a CAGR of 2.76% — -1.82 pp behind the Credit Risk Fund category average of 4.58%. The fund ranks #20 of 31 in its category — the third (Q3) quartile.

HSBC Credit Risk Fund - Regular 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 - Regular IDCW exactly 3 years ago would be worth approximately ₹108,510 today — a multiplier of 1.09×, based on the 3-year CAGR of 2.76%. The category average over the same window would have grown ₹1 lakh to ₹114,381.

A ₹10,000 monthly SIP in HSBC Credit Risk Fund - Regular IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹378,803 today. That's an XIRR (money-weighted annualised return) of 3.33%.

HSBC Credit Risk Fund - Regular IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹378,803 — XIRR 3.33%.

On a 3-year basis, HSBC Credit Risk Fund - Regular IDCW ranks #20 out of 31 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 4.58%; this fund delivered 2.76%.

The worst peak-to-trough decline HSBC Credit Risk Fund - Regular IDCW has experienced over the last 3-year window is 3.54% — its NAV fell from a high on 26 May 2025 to a low on 26 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 IDCW averaged 3.34% (best 3.86%, worst 2.76%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.54 — negative risk-adjusted performance.

In calendar year 2025, HSBC Credit Risk Fund - Regular IDCW returned 11.81% — beating the Credit Risk Fund category average of 6.54% by 5.27 pp. It ranked #3 of 30 in its category that year.

HSBC Credit Risk Fund - Regular 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 - Regular 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.