HSBC Credit Risk Fund - Regular (IDCW-M)

Credit Risk Fund

Invest Now

NAV
11.27(-0.03%)
Fund Size (CR)
₹511.38
Expense Ratio
1.64
Scheme Type
Active Fund
Value Research
-

Min. investment
₹5,000
Minimum Additional Investment
₹0
Minimum SIP Investment
₹500
Minimum Withdrawal
₹500
Exit Load
0%
Return Since Launch
7.21%

Absolute Return: -0.74%

Annualized Return: 0%

Basic Details

Scheme Manager

Shriram Ramanathan

Bench Mark

NIFTY Credit Risk Bond Index B-II

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	23 February 2026	9951.45	-0.49%	-	0.11%	91/92
1 Month	2 February 2026	10011.01	0.11%	-	1.26%	79/92
3 Month	2 December 2025	10054.41	0.54%	-	2.01%	79/92
6 Month	2 September 2025	10225.35	2.25%	-	4.10%	79/92
1 Year	28 February 2025	11938.18	19.38%	19.38%	10.73%	8/92
3 Year	2 March 2023	13645.19	36.45%	10.91%	9.54%	22/91
5 Year	2 March 2021	14976.98	49.77%	8.41%	8.88%	46/92
Since Inception	8 October 2009	31359.10	213.59%	7.21%	7.10%	53/92

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	2 April 2025	1,20,000	333829.12	178.19%	178.19%
3 Year	3 April 2023	3,60,000	1069941.05	197.21%	43.78%
5 Year	5 April 2021	6,00,000	1810244.22	201.71%	24.71%
10 Year	4 April 2016	12,00,000	3576324.24	198.03%	11.54%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.98%

Standard Deviation

0.13%

Beta

0.75%

Sharpe Ratio

0.44%

Treynor's Ratio

4.34%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
There's no data available of Stock Holdings

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Aditya Birla SL Credit Risk Fund - Dir (IDCW)	1138.04	55.62%	61.65%	66.47%	75.90%	30.44%
HSBC Credit Risk Fund - Direct (IDCW-A)	511.38	0.78%	1.34%	3.24%	21.00%	9.95%
HSBC Credit Risk Fund - Direct (G)	511.38	0.78%	1.34%	3.24%	21.00%	12.01%
HSBC Credit Risk Fund - Direct (IDCW-M)	511.38	0.18%	0.73%	2.61%	20.27%	11.78%
DSP Credit Risk Fund - Direct (IDCW-D)	216.84	-0.20%	0.96%	2.75%	15.85%	15.57%

List of Schemes under HSBC Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
HSBC Dynamic Bond Fund	Debt	Moderate	6.21%	3	₹132.16
HSBC Money Market Fund	Debt	Moderately Low	7.25%	3	₹5,379.29
HSBC Gilt Fund	Debt	Moderate	4.69%	3	₹213.75
HSBC Balanced Advantage Fund	Hybrid	Moderately High	9.47%	3	₹1,542.11
HSBC Aggressive Hybrid Fund	Hybrid	Very High	20.36%	2	₹5,429.61
HSBC Value Fund	Equity	Very High	24.45%	4	₹14,552.40
HSBC Infrastructure Fund	Equity	Very High	21.79%	3	₹2,198.29
HSBC Banking and PSU Debt Fund	Debt	Moderate	7.66%	3	₹4,431.12
HSBC Midcap Fund	Equity	Very High	28.89%	3	₹12,175.46
HSBC Low Duration Fund	Debt	Moderately Low	8.88%	4	₹1,008.68
HSBC Short Duration Fund	Debt	Moderately Low	7.79%	2	₹4,308.25
HSBC ELSS Tax Saver Fund	Equity	Very High	17.54%	3	₹3,961.50
HSBC Corporate Bond Fund	Debt	Moderate	8.05%	1	₹6,202.81
HSBC Credit Risk Fund	Debt	Moderately High	21%	3	₹481.31
HSBC Equity Saving Fund	Hybrid	Moderate	14.95%	3	₹751.77
HSBC Global Emerging Markets Fund	Other	Very High	55.92%	0	₹373.57
HSBC Brazil Fund	Other	Very High	66.63%	0	₹384.83
HSBC Liquid Fund	Debt	Moderately Low	6.39%	4	₹17,734.66
HSBC Large Cap Fund	Equity	Very High	17.37%	3	₹1,885.26
HSBC Flexi Cap Fund	Equity	Very High	18.02%	4	₹5,317.76
HSBC Medium to Long Duration Fund	Debt	Moderate	6.03%	3	₹47.74
HSBC Conservative Hybrid Fund	Hybrid	Moderately High	9.51%	3	₹138.61
HSBC Asia Pacific (Ex Japan) DYF	Other	Very High	52.63%	0	₹66.67
HSBC Aggressive Hybrid Active FOF	Hybrid	Very High	15.14%	3	₹43.96
HSBC Multi Asset Active FOF	Other	Very High	29.66%	2	₹86.28
HSBC Income Plus Arbitrage Active FOF	Other	Moderately Low	7.14%	0	₹548.79
HSBC Small Cap Fund	Equity	Very High	11.78%	3	₹15,028.86
HSBC Arbitrage Fund	Hybrid	Low	6.9%	3	₹2,419.29
HSBC Business Cycles Fund	Equity	Very High	16.07%	0	₹1,089.59
HSBC Medium Duration Fund	Debt	Moderate	8.22%	4	₹746.15
HSBC Large and Mid Cap Fund	Equity	Very High	24.2%	3	₹4,602.66
HSBC Overnight Fund	Debt	Low	5.58%	4	₹4,360.54
HSBC Ultra Short Duration Fund	Debt	Moderately Low	6.98%	3	₹2,873.63
HSBC Nifty 50 Index Fund	Other	Very High	13.37%	3	₹388.37
HSBC Nifty Next 50 Index Fund	Other	Very High	20.64%	1	₹140.92
HSBC Focused Fund	Equity	Very High	21.79%	2	₹1,667.47
HSBC Global Equity Climate Change FoF	Other	Very High	22.95%	0	₹53.35
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund	Other	Moderate	7.93%	0	₹1,977.58
HSBC Multi Cap Fund	Equity	Very High	19.84%	0	₹5,176.73
HSBC CRISIL IBX Gilt June 2027 Index Fund	Other	Moderate	7.69%	0	₹189.31
HSBC Consumption Fund	Equity	Very High	11.66%	0	₹1,676.57
HSBC Multi Asset Allocation Fund	Hybrid	Very High	37.05%	0	₹2,693.31
HSBC India Export Opportunities Fund	Equity	Very High	15.43%	0	₹1,297.02
HSBC Financial Services Fund	Equity	Very High	22.79%	0	₹839.63

News

HSBC Mutual Fund announces Income Distribution cum capital withdrawal (IDCW)
HSBC Mutual Fund has announced 25 February 2026 as the record date for declaration of IDCW Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The quantum of dividend (Rs per unit) on the face value of Rs 10 per unit will be:
HSBC Aggressive Hybrid Fund ' Regular Plan ' IDCW Option: 0.190
HSBC Aggressive Hybrid Fund ' Direct Plan ' IDCW Option: 0.215
HSBC Balanced Advantage Fund ' Regular Plan ' IDCW Option: 0.122
HSBC Balanced Advantage Fund ' Direct Plan ' IDCW Option: 0.143
HSBC Multi Asset Allocation Fund ' Regular Plan ' IDCW Option: 1.200
HSBC Multi Asset Allocation Fund ' Direct Plan ' IDCW Option: 0.440
HSBC Aggressive Hybrid Fund ' Regular Plan ' Annual IDCW Option: 1.500
HSBC Aggressive Hybrid Fund ' Direct Plan ' Annual IDCW Option: 1.700
HSBC Flexi Cap Fund ' Regular Plan ' IDCW Option: 4.000
HSBC Flexi Cap Fund ' Direct Plan ' IDCW Option: 4.150
HSBC Asia Pacific (Ex Japan) DYF ' Regular Plan ' IDCW Option: 2.150
HSBC Asia Pacific (Ex Japan) DYF ' Direct Plan ' IDCW Option: 2.150
Powered by Capital Market - Live News

HSBC Global Equity Climate Change Fund of Fund Merger into HSBC Global Emerging Markets Fund
HSBC Mutual Fund has approved the merger of HSBC Global Equity Climate Change Fund of Fund Merger into HSBC Global Emerging Markets Fund, with effect from 25 March 2026.
Powered by Capital Market - Live News

HSBC Mutual Fund announces change in Exit Load Structure

HSBC Mutual Fund has announced change in exit load structure under following schemes stands revised with effect from January 30, 2026

Change in Exit Load:

Name of the Scheme	Existing Exit Load	Revised Exit Load
HSBC Consumption Fund, HSBC Financial Services Fund, HSBC Infrastructure Fund	i. If the units redeemed or switched out are upto 10% of the units purchased or switched in ('the limit') within 1 year from the date of allotment ' Nil ii. If units redeemed or switched out are over and above the limit within 1 year from the date of allotment ' 1% iii. If units are redeemed or switched out on or after 1 year from the date of allotment ' Nil. ' Withdrawal under SWP may also attract an Exit Load like any Redemption. ' No Exit load will be chargeable in case of switches made between different plans and options within the Scheme. ' No Exit load will be chargeable in case of Units allotted on account of IDCW reinvestments, if any. ' Exit load is not applicable for Segregated Portfolio.	i. If the units redeemed or switched out are upto 10% of the units purchased or switched in ('the limit') within 90 days from the date of allotment ' Nil ii. If units redeemed or switched out are over and above the limit within 90 days from the date of allotment ' 1% iii. If units are redeemed or switched out on or after 90 days from the date of allotment ' Nil. ' Withdrawal under SWP may also attract an Exit Load like any Redemption. ' No Exit load will be chargeable in case of switches made between different plans and options within the Scheme. ' No Exit load will be chargeable in case of Units allotted on account of IDCW reinvestments, if any. ' Exit load is not applicable for Segregated Portfolio.

Name of the Scheme

Existing Exit Load

Revised Exit Load

HSBC Consumption Fund, HSBC Financial Services Fund, HSBC Infrastructure Fund

i. If the units redeemed or switched out are upto 10% of the units purchased or switched in ('the limit') within 1 year from the date of allotment ' Nil

ii. If units redeemed or switched out are over and above the limit within 1 year from the date of allotment ' 1%

iii. If units are redeemed or switched out on or after 1 year from the date of allotment ' Nil.

' Withdrawal under SWP may also attract an Exit Load like any Redemption.

' No Exit load will be chargeable in case of switches made between different plans and options within the Scheme.

' No Exit load will be chargeable in case of Units allotted on account of IDCW reinvestments, if any.

' Exit load is not applicable for Segregated Portfolio.

i. If the units redeemed or switched out are upto 10% of the units purchased or switched in ('the limit') within 90 days from the date of allotment ' Nil

ii. If units redeemed or switched out are over and above the limit within 90 days from the date of allotment ' 1%

iii. If units are redeemed or switched out on or after 90 days from the date of allotment ' Nil.

' Withdrawal under SWP may also attract an Exit Load like any Redemption.

' No Exit load will be chargeable in case of switches made between different plans and options within the Scheme.

' No Exit load will be chargeable in case of Units allotted on account of IDCW reinvestments, if any.

' Exit load is not applicable for Segregated Portfolio.

Powered by Capital Market - Live News

Fund House Details & Investment Objective

Date of Incorporation

29 September 2009

Total AUM (Cr)

₹481.31

HSBC Credit Risk Fund - Regular (IDCW-M) is an Credit Risk Fund-oriented fund from the renowned AMC, HSBC Mutual Fund. Launched in 29 September 2009, this fund is managed by Shriram Ramanathan. With assets under management (AUM) worth ₹481.31 (Cr), as of 4 March 2026, HSBC Credit Risk Fund - Regular (IDCW-M) is categorized as a Credit Risk Fund within its segment. The fund has generated a return of 7.21% since its launch.
The current NAV of HSBC Credit Risk Fund - Regular (IDCW-M) is ₹11.27, as on 4 March 2026. The fund's benchmark index is NIFTY Credit Risk Bond Index B-II. You can invest in HSBC Credit Risk Fund - Regular (IDCW-M) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 10.91% and 8.41% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 99.38% in Debt and 0.62% in cash and cash equivalents.