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HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)

IDCW
DebtCredit Risk Fund
Large-size FundAssets Under Mgmt: ₹ 7,859 Cr
Moderately High RiskPrinciple investment will be at moderately high risk
10.590.05% (+0.01)

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Returns
0.00%
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SIP
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Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Other Funds in the same category are generating better returns

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

DebtCredit Risk Fund
Large-size FundAssets Under Mgmt: ₹ 7,859 Cr
Moderately High RiskPrinciple investment will be at moderately high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.968.605.32
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.138.304.33

About Credit Risk Fund

Credit risk funds are the debt funds which majorly lend money to low rated companies. The companies have to pay higher interest for their low rating which makes the fund more riskier as compared to other debt funds.

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs1.00%
Nil for 15% of Units For excess of limits 1% on or before 12M and 0.50% after 12M but on or before 18M Nil after 18M
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Not allowedNot allowed
BenchmarkBenchmark
NIFTY Credit Risk Bond Index

Tax Implications

Investment period < 3 years

Gains are added to taxable income and taxed according to the individual's income tax slab

Investment period > 3 years (Investments before 1st April 2023)

Gains are taxed at 20% with indexation benefit

Investment period > 3 years (Investments after 1st April 2023)

With changes introduced in budget 2023, gains are added to taxable income and taxed according to the individual's income tax slab

Let’s calculate your returns after tax

Investment frequency

Monthly

One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
Annual Income
As per the tax implications, in some cases, tax on MF returns depends on your annual income slab
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After indexation
Indexation is used to adjust the purchase price of an investment to reflect the effect of inflation on it
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Invested

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Returns (0%)

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Fund Manager

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Exp: 20yrs

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#Funds: 43

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AMC profile

HDFC Asset Management Company, investment manager to HDFC Mutual Fund, is one of the leading AMCs in the country. The company operates as a joint venture between Housing Development Finance Corporation (HDFC) and Standard Life Investments (SLI).

  • No.of Schemes

    80

  • Total AUM

    ₹ 6,77,524.89 Cr.