HDFC Credit Risk Debt Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 81 (Category Avg - 35.71) | Modified Duration 2.48 Years (Category Avg - 2.13)| Yield to Maturity 8.11% (Category Avg - 7.59%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	10.76%	14.65%
CD	0.00%	1.34%
NCD & Bonds	77.04%	70.76%
PTC	2.81%	1.47%

Category - Credit Risk Fund

Security Type	% Weight	Category Average
Government Backed	10.76%	14.65%
Low Risk	64.66%	65.39%
Moderate Risk	15.19%	7.73%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Credit Risk Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Sandur Manganese & Iron Ores Ltd.	NCD & Bonds	Ferro & silica manganese	LA+	ICRA	2887.48	4.17%	30.00 k
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	2531.28	3.66%	25.00 k
Bond - GMR Airports Ltd.	NCD & Bonds	Airport & airport services	A+	CRISIL	2314.83	3.35%	23.00 k
Bond - Coastal Gujarat Power Ltd.	NCD & Bonds	Integrated power utilities	CARE AA+	CARE	2311.70	3.34%	2.19 k
Bond - Bamboo Hotel And Global Centre (Delhi) Private Ltd.	NCD & Bonds	Hotels & resorts	LA+	ICRA	2032.42	2.94%	20.00 k
Bond - Kalpataru Projects International Ltd.	NCD & Bonds	Civil construction	AA	FITCH	2018.97	2.92%	20.00 k
Bond - SK Finance Ltd.	NCD & Bonds	Financial services	LAA-	ICRA	2005.75	2.90%	20.00 k
Bond - Jubilant Beverages Ltd.	NCD & Bonds	Other beverages	AA	CRISIL	2006.54	2.90%	19.19 k
Bond - Jubilant Bevco Ltd.	NCD & Bonds	Restaurants	AA	CRISIL	1861.09	2.69%	17.75 k
Bond - Kalpataru Projects International Ltd.	NCD & Bonds	Civil construction	AA	CRISIL	1805.40	2.61%	18.00 k
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	1770.41	2.56%	17.50 k
Bond - J S W Energy Ltd.	NCD & Bonds	Power generation	LAA	ICRA	1761.95	2.55%	17.50 k
Bond - Aditya Birla Renewables Ltd.	NCD & Bonds	Power generation	AA	CRISIL	1522.79	2.20%	15.00 k
Bond - Kalpataru Projects International Ltd.	NCD & Bonds	Civil construction	AA	CRISIL	1510.63	2.18%	15.00 k
Bond - Vastu Finserve India Pvt Ltd.	NCD & Bonds	Non banking financial company (nbfc)	CARE AA-	CARE	1501.42	2.17%	15.00 k
Bond - Jtpm Metal Traders Pvt Ltd.	NCD & Bonds	Trading - metals	AA	CRISIL	1502.40	2.17%	15.00 k
Bond - Kogta Financial India Ltd.	NCD & Bonds	Non banking financial company (nbfc)	CARE A+	CARE	1491.97	2.16%	15.00 k
Bond - Govt of India	GOI	Other			1281.71	1.85%	1.30 Cr
Bond - TVS Credit Services Ltd	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	1069.55	1.55%	105.00
Bond - Govt of India	GOI	Other			1034.82	1.50%	1.05 Cr
Bond - Mahindra Rural Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1018.29	1.47%	10.00 k
Bond - Godrej Industries Ltd	NCD & Bonds	Animal feed	AA+	CRISIL	1012.21	1.46%	10.00 k
Bond - Infopark Properties Ltd.	NCD & Bonds	Real estate investment trusts (reits)	CARE AA-	CARE	1007.37	1.46%	10.00 k
Bond - Ramco Industries Ltd.	NCD & Bonds	Cement & cement products	LAA-	ICRA	1001.60	1.45%	10.00 k
Bond - Govt of India	GOI	Other			859.35	1.24%	85.00 L
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	853.87	1.23%	8.50 k
Bond - Govt of India	GOI	Other			806.13	1.17%	80.00 L
Bond - Govt of India	GOI	Other			795.84	1.15%	77.32 L
Bond - Govt of India	GOI	Other			773.96	1.12%	77.50 L
Bond - IIFL Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	752.66	1.09%	7.50 k
Bond - JM Financial Home Loans Ltd.	NCD & Bonds	Housing finance company	AA	CRISIL	756.25	1.09%	7.50 k
Bond - JM Financial Home Loans Ltd.	NCD & Bonds	Housing finance company	AA	CRISIL	756.71	1.09%	7.50 k
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	750.10	1.08%	750.00
Bond - Muthoot Capital Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	A+	CRISIL	672.77	0.97%	10.74 k
Bond - Govt of India	GOI	Other			618.72	0.89%	60.00 L
Bond - VAJRA 009 Trust	PTC	Ptc	LAA+	ICRA	605.33	0.88%	60.00
Bond - Mas Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	CARE AA-	CARE	550.21	0.80%	5.50 k
Bond - ONGC Petro-Additions Ltd.	NCD & Bonds	Petrochemicals	LAA	ICRA	508.81	0.74%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	510.93	0.74%	5.00 k
Bond - Govt of India	GOI	Other			514.35	0.74%	50.00 L
Bond - IndiGrid Infrastructure Trust	NCD & Bonds	Power - transmission	LAAA	ICRA	503.44	0.73%	500.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	504.80	0.73%	5.00 k
Bond - Resco Global Wind Services Pvt. Ltd.	NCD & Bonds	Other utilities	AA+	CRISIL	502.90	0.73%	20.00 k
Bond - IKF Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	CARE A+	CARE	500.65	0.72%	5.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	496.41	0.72%	500.00
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	499.17	0.72%	500.00
Bond - Mahindra Rural Housing Finance Ltd.	NCD & Bonds	Housing finance company	AA+	FITCH	420.96	0.61%	420.00
Bond - Govt of India	GOI	Other			398.00	0.58%	40.00 L
Bond - VAJRA 004 TRUST	PTC	Ptc	AA	CRISIL	401.03	0.58%	5.17 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	386.23	0.56%	380.00
Bond - Kogta Financial India Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LA+	ICRA	313.04	0.45%	12.50 k
Bond - IKF Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	CARE A+	CARE	295.08	0.43%	3.97 k
Bond - TMF Holdings Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	296.74	0.43%	300.00
Bond - INDIGO 041	PTC	Ptc	AA	CRISIL	286.55	0.41%	284.00
Bond - Godrej Industries Ltd	NCD & Bonds	Animal feed	AA+	CRISIL	254.69	0.37%	2.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	255.01	0.37%	2.50 k
Bond - Motilal Oswal Home Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	252.86	0.37%	2.50 k
Bond - ONGC Petro-Additions Ltd.	NCD & Bonds	Petrochemicals	LAA	ICRA	253.05	0.37%	2.50 k
Bond - Gera Development Pvt Ltd.	NCD & Bonds	Residential, commercial projects	CARE AA-	CARE	250.08	0.36%	2.50 k
Bond - Gera Development Pvt Ltd.	NCD & Bonds	Residential, commercial projects	CARE AA-	CARE	250.39	0.36%	2.50 k
Bond - Gera Development Pvt Ltd.	NCD & Bonds	Residential, commercial projects	CARE AA-	CARE	250.35	0.36%	2.50 k
Bond - Gera Development Pvt Ltd.	NCD & Bonds	Residential, commercial projects	CARE AA-	CARE	250.42	0.36%	2.50 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	250.98	0.36%	250.00
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	252.08	0.36%	250.00
Bond - ONGC Petro-Additions Ltd.	NCD & Bonds	Petrochemicals	LAA	ICRA	252.03	0.36%	2.50 k
Bond - Shivshakti Securitisation Trust	PTC	Ptc	AAA	CRISIL	250.73	0.36%	25.00
Bond - Siddhivinayak Securitisation Trust	PTC	Ptc	AAA	CRISIL	250.16	0.36%	25.00
Bond - Govt of India	GOI	Other			250.91	0.36%	25.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	207.79	0.30%	2.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	207.23	0.30%	2.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	206.07	0.30%	2.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	206.91	0.30%	2.00 k
Bond - IndiGrid Infrastructure Trust	NCD & Bonds	Power - transmission	AAA	CRISIL	199.87	0.29%	200.00
Bond - JM Financial Asset Reconstruction Co.	NCD & Bonds	Financial institution	LAA-	ICRA	200.12	0.29%	200.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	202.92	0.29%	2.00 k
Bond - VAJRA 006 Trust	PTC	Ptc	LAA+	ICRA	151.26	0.22%	1.50 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	100.96	0.15%	100.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	105.36	0.15%	100.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	102.65	0.15%	100.00
Bond - Govt of India	GOI	Other			99.69	0.14%	10.00 L
Bond - Govt of India	GOI	Other			11.93	0.02%	1.16 L

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	3.04%
TREPS	TREPS	2.40%
Indus Infra Trust	InvITs	2.07%
Embassy Office Parks Reit	InvITs	1.04%
Capital Infra Trust	InvITs	0.55%
Powergrid Infrastructure Investment Trust	InvITs	0.29%

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NITINPIMPALE
MF Investment Help
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8 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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20 days ago

View more

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The Fixed Income
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5 hrs ago

Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

Posted by : The Fixed Income
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  Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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70 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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83 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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120 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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