HDFC Credit Risk Debt Fund - Regular Plan - IDCW

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.

Category : Credit Risk Fund

Fund House : HDFC Mutual Fund

Scheme Objective

To generate regular income and capital appreciation by investing predominantly in corporate debt.

Scheme Details

Fund manager(s) – Shobhit Mehrotra
Launch date – 20-Nov-2014
Expense ratio – 1.6% as declared on 31-Aug-2025 (category average is 1.53%)
Benchmark -

Min SIP amount - ₹100
Min investment amount (one time- first time) - ₹100
Min investment amount (addtional purchase) - ₹100
Type : Open Ended Fund. You can invest any time in this fund.

Exit Load

HDFC Credit Risk Debt Fund - Regular Plan - IDCW charges 0.5% of sell value; if fund sold before 540 days. There are no other charges., 1.0% if fund sold before 365 days. There are no other charges.

Asset Monitor

Total AUM for this Scheme (Cr)

Category Total AUM (Cr)

% of Assets in Category

2025

6972.32

0.00

0.00%

Aug - 2025	6972.32	0.00%
Jul - 2025	7014.55	0.00%
Jun - 2025	7085.89	0.00%
May - 2025	7112.01	0.00%
Apr - 2025	7180.10	0.00%
Mar - 2025	7229.73	0.00%
Feb - 2025	7252.42	0.00%
Jan - 2025	7286.31	0.00%

2024

7344.44

0.00

0.00%

Dec - 2024	7344.44	0.00	0.00%
Nov - 2024	7404.25	0.00	0.00%
Oct - 2024	7461.14	0.00	0.00%
Sep - 2024	7526.36	0.00	0.00%
Aug - 2024	7669.18	0.00	0.00%
Jul - 2024	7743.07	0.00	0.00%
Jun - 2024	7859.27	0.00	0.00%
May - 2024	7980.05	22511.35	35.45%
Apr - 2024	8092.20	22874.49	35.38%
Mar - 2024	8167.48	23141.36	35.29%
Feb - 2024	8191.40	23328.91	35.11%
Jan - 2024	8245.44	23521.30	35.06%

2023

8239.38

23610.09

34.90%

Dec - 2023	8239.38	23610.09	34.90%
Nov - 2023	8282.20	23822.12	34.77%
Oct - 2023	8301.98	23894.10	34.74%
Sep - 2023	8355.93	23932.49	34.91%
Aug - 2023	8443.12	24151.16	34.96%
Jul - 2023	8492.00	24305.12	34.94%
Jun - 2023	8513.83	24308.23	35.02%
May - 2023	8559.94	24549.16	34.87%
Apr - 2023	8572.56	24673.47	34.74%
Mar - 2023	8481.83	24507.88	34.61%
Feb - 2023	8437.56	24387.97	34.60%
Jan - 2023	8526.85	24982.29	34.13%

2022

8508.28

25328.82

33.59%

Dec - 2022	8508.28	25328.82	33.59%
Nov - 2022	8552.22	25492.00	33.55%
Oct - 2022	8523.72	25525.44	33.39%
Sep - 2022	8615.55	25792.75	33.40%
Aug - 2022	8700.12	26206.81	33.20%
Jul - 2022	8630.76	26101.66	33.07%
Jun - 2022	8576.32	26077.86	32.89%
May - 2022	8640.09	26505.74	32.60%
Apr - 2022	8925.40	27348.99	32.64%
Mar - 2022	8966.61	27662.02	32.41%
Feb - 2022	8984.03	27863.84	32.24%
Jan - 2022	9037.71	28114.19	32.15%

2021

8979.01

28051.98

32.01%

Dec - 2021	8979.01	28051.98	32.01%
Nov - 2021	8963.11	28043.88	31.96%
Oct - 2021	8756.57	27631.10	31.69%
Sep - 2021	8606.99	27355.63	31.46%
Aug - 2021	8310.80	26732.20	31.09%
Jul - 2021	8081.99	26441.66	30.57%
Jun - 2021	7783.74	25912.34	30.04%
May - 2021	7630.57	25558.89	29.85%
Apr - 2021	7367.64	25079.70	29.38%
Mar - 2021	7253.35	25013.24	29.00%
Feb - 2021	6996.26	24904.08	28.09%
Jan - 2021	6847.74	24813.61	27.60%

2020

6601.25

24362.77

27.10%

Dec - 2020	6601.25	24362.77	27.10%
Nov - 2020	6480.03	24402.30	26.55%
Oct - 2020	6336.01	24153.87	26.23%
Sep - 2020	6189.36	24219.41	25.56%
Aug - 2020	6180.76	24562.12	25.16%
Jul - 2020	6258.01	24999.06	25.03%
Jun - 2020	6308.81	25400.60	24.84%
May - 2020	6538.60	26388.69	24.78%
Apr - 2020	8435.70	32056.37	26.32%
Mar - 2020	13812.13	50127.08	27.55%
Feb - 2020	14697.44	55291.74	26.58%
Jan - 2020	14487.09	55019.81	26.33%

Tax Rate

Any profit will be clubbed with your income and taxed at your effective tax rate.

Contact Details

HDFC Asset Management Company Limited

“HDFC House”, 2nd Floor, H.T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate, Mumbai 400020
Tel no.: 022-6631 6333
Fax no.: 022-2282 1144
Website.: https://www.hdfcfund.com

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hunch
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29 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more

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45 days ago

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

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Secure Long-Term Income with a State-Backed PSU Bond MEGHALAYA ENERGY CORPORATION LIMITED – 2033 Bond ???? Coupon: 10.55% p.a. ???? Rating: Acuite (SMERA) A-(CE) Stable, BRICKWORK (BWR) A-(CE) Stable ???? Tenor: 7y 6m (Maturity: 03/Apr/2033) ???? Secured | PSU Bond | High Return | Listed A robust, long-tenor PSU bond offering stability, consistent returns, and strong credit assurance. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPb1pnPT0=/1055-meghalaya-energy-corporation-limited-2033?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Secure Long-Term Income with a State-Backed PSU Bond MEGHALAYA ENERGY CORPORATION LIMITED – 2033 Bond ???? Coupon: 10.55% p.a. ???? Rating: Acuite (SMERA) A-(CE) Stable, BRICKWORK (BWR) A-(CE) Stable ???? Tenor: 7y 6m (Maturity: 03/Apr/2033) ???? Secured | PSU Bond | High Return | Listed A robust, long-tenor PSU bond offering stability, consistent returns, and strong credit assurance. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPb1pnPT0=/1055-meghalaya-energy-corporation-limited-2033?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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95 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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95 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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101 days ago

Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut View more

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