What is the current price / NAV of HSBC Credit Risk Fund(M-IDCW Payout)?
The current NAV of HSBC Credit Risk Fund(M-IDCW Payout) is ₹12.23, as of 22nd October 2026.What are the returns of HSBC Credit Risk Fund(M-IDCW Payout)?
The HSBC Credit Risk Fund(M-IDCW Payout) was launched on 1st January 2013. This mutual fund's past returns are as follows:- 1 Year Returns: -1.74%
- 3 Year Returns: 3.24%
- 5 Year Returns: 2.27%
What are the top 5 sectoral holdings of HSBC Credit Risk Fund(M-IDCW Payout)?
The top sectors HSBC Credit Risk Fund(M-IDCW Payout) has invested in are as follows:- Others | 25.03%
- Power Generation | 11.39%
- G-Sec | 11.30%
- Specialized Finance | 8.16%
- Construction & Engineering | 7.88%
What are the top 5 holdings of HSBC Credit Risk Fund(M-IDCW Payout)?
The top 5 holdings for HSBC Credit Risk Fund(M-IDCW Payout) are as follows:- Nuvoco Vistas Corporation Limited** | 7.88%
- 6.01% GOI 21Jul2030 | 6.69%
- JTPM Metal Traders Limited** | 6.12%
- Nirma Limited** | 5.97%
- Power Finance Corporation Limited** | 5.84%
What is the asset allocation of HSBC Credit Risk Fund(M-IDCW Payout)?
The asset allocation for HSBC Credit Risk Fund(M-IDCW Payout) is as follows:- Corporate Debt | 76.76%
- Government Securities | 11.30%
- REITs & InvIT | 6.36%
- Secured Debt | 4.49%
- Cash & Equivalents | 0.65%
What is the AUM of HSBC Credit Risk Fund(M-IDCW Payout)?
The AUM (i.e. assets under management) of HSBC Credit Risk Fund(M-IDCW Payout) is ₹441.18 Cr as of 22nd October 2026.What is the base expense ratio of HSBC Credit Risk Fund(M-IDCW Payout)?
The base expense ratio of HSBC Credit Risk Fund(M-IDCW Payout) Plan is 0.70 as of 22nd October 2026.What is the alpha ratio of HSBC Credit Risk Fund(M-IDCW Payout)?
The alpha ratio for the HSBC Credit Risk Fund(M-IDCW Payout) is 0.85
Alpha is the excess return of a fund compared to its expected return, based on its beta and the risk-free rate. Positive alpha indicates that the fund has outperformed its expected return, while negative alpha suggests underperformance.
What is the volatility or standard deviation of HSBC Credit Risk Fund(M-IDCW Payout)?
The volatility or standard deviation for the HSBC Credit Risk Fund(M-IDCW Payout) is 0.92
Standard deviation measures the volatility or risk associated with the returns of a mutual fund. A higher standard deviation indicates higher volatility, suggesting that the returns of the mutual fund are more spread out from the average. On the other hand, a lower standard deviation implies lower volatility and a more stable performance.
What is the sharpe ratio of HSBC Credit Risk Fund(M-IDCW Payout)?
The Sharpe ratio for the HSBC Credit Risk Fund(M-IDCW Payout) is 1.38
The Sharpe ratio is a measure of risk-adjusted return that evaluates the performance of a mutual fund, by adjusting for its risk. Higher Sharpe ratio indicates a better risk-adjusted performance. A positive Sharpe ratio indicates that the MF has provided a return in excess of the risk-free rate for the amount of risk taken. Conversely, a negative Sharpe ratio suggests that the MF did not adequately compensate for the risk.
What is the Sortino ratio of HSBC Credit Risk Fund(M-IDCW Payout)?
The Sortino Ratio for the HSBC Credit Risk Fund(M-IDCW Payout) is 0.18
The Sortino ratio of a mutual fund is a measure of its risk-adjusted return, considering only downside volatility. It helps investors evaluate how well a fund is performing relative to its downside risk. A higher Sortino ratio (value >1) means the fund generates better returns for the downside risk taken.
HSBC Credit Risk Fund(M-IDCW Payout) Direct IDCW
Scorecard
Performance
LowHasn’t fared well - amongst the low performers in sub-category
Risk
LowStay at ease, amongst the lower risk funds
Cost
HighHigher costs on pocket vs others
Composition
AvgAverage allocation strategy, nothing exciting
Red flags
LowWe got you covered, no major red flags identified
How to use scorecard? Learn more
HSBC Credit Risk Fund(M-IDCW Payout) Direct IDCW
IDCW
₹12.230.13% (-0.02)
High
—
—
Low
—
—
Returns
—
—
1M
6M
1Y
3Y
5Y
Max
SIP
Scorecard
Performance
LowHasn’t fared well - amongst the low performers in sub-category
Risk
LowStay at ease, amongst the lower risk funds
Cost
HighHigher costs on pocket vs others
Composition
AvgAverage allocation strategy, nothing exciting
Red flags
LowWe got you covered, no major red flags identified
How to use scorecard? Learn more
HSBC Credit Risk Fund(M-IDCW Payout) Performance & Key Metrics
HSBC Credit Risk Fund(M-IDCW Payout) Performance & Key Metrics
| No LabelNo Label | Base Expense RatioBase Exp. Ratio | No LabelNo Label |
|---|---|---|
| 0.84 | 0.70 | 1.38 |
| No LabelNo Label | No LabelNo Label | No LabelNo Label |
|---|---|---|
| 1.10 | 1.08 | 8.39 |
HSBC Credit Risk Fund(M-IDCW Payout) Scheme InfoHSBC Credit Risk Fund(M-IDCW Payout) Scheme Info
| PlanPlan | Lock inLock in Lock in Period Period before which your investment can't be withdrawn from the MF scheme | Exit LoadExit Load Exit Load The fee that the AMC charges investors at the time of exiting or redeeming their fund units. |
|---|---|---|
| IDCW | 0 yrs | 1.00% |
| SIP Inv.SIP Inv. Sip Investment If SIP investments are allowed in the fund or not | Min. LumpsumMin. Lumpsum Minimum Lumpsum Inv Amount Minimum investment the AMC allows in the given scheme via lumpsum route |
|---|---|
| Allowed | ₹ 5,000 |
| BenchmarkBenchmark Benchmark Index Benchmark index wrt which performance of the fund is tracked |
|---|
| NIFTY Credit Risk Bond Index |
About Credit Risk Fund
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.
HSBC Credit Risk Fund(M-IDCW Payout) Peers
HSBC Credit Risk Fund(M-IDCW Payout) Peers & Comparison
Comparing 3 mutual funds from
DebtCredit Risk Fund
DebtCredit Risk Fund
Returns
Scheme
Ratios
| Mutual Fund | 1Y Returns1Y Returns | 3Y CAGR3Y CAGR | Life CAGRLife CAGR |
|---|---|---|---|
| HSBC Credit Risk Fund(M-IDCW Payout) | -1.74% | 3.24% | 1.06% |
| HDFC Credit Risk Fund(Q-IDCW Reinv) | -0.15% | 0.76% | 0.58% |
| ICICI Pru Credit Risk Fund(Q-IDCW Payout) | -1.05% | 0.80% | 1.05% |
| SBI Credit Risk Fund(IDCW Payout) | 6.98% | 8.30% | 5.52% |
HSBC Credit Risk Fund(M-IDCW Payout) Returns Comparison
Compare HSBC Credit Risk Fund(M-IDCW Payout) with any MF, ETF, stock or indexCompare HSBC Credit Risk Fund(M-IDCW Payout) with any MF, ETF, stock or index
HSBC Credit Risk Fund(M-IDCW Payout)
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HSBC Credit Risk Fund(M-IDCW Payout) Asset Allocation
HSBC Credit Risk Fund(M-IDCW Payout) Asset Allocation
Actual
Target
Dec 2025
Mar 2026
Jun 2026
Sep 2026
Dec 2025
Mar 2026
Jun 2026
Sep 2026
HSBC Credit Risk Fund(M-IDCW Payout) Sector Distribution
HSBC Credit Risk Fund(M-IDCW Payout) Sector Distribution
Dec 2025
Mar 2026
Jun 2026
Sep 2026
HSBC Credit Risk Fund(M-IDCW Payout) Sector Weightage
HSBC Credit Risk Fund(M-IDCW Payout) Sector Weightage
Others
Others as a % of total holdings for last six quarters
HSBC Credit Risk Fund(M-IDCW Payout) Current Holdings
HSBC Credit Risk Fund(M-IDCW Payout) Current Holdings
Debt
Others
- ConstituentHolding Weight3M Change
Holdings
7.88 %
0.02 %Holdings
6.69 %
0.21 %Holdings
6.12 %
0.41 %
AMC Profile of HSBC Credit Risk Fund(M-IDCW Payout)
AMC Profile of HSBC Credit Risk Fund(M-IDCW Payout)
HSBC Global Asset Management (India) Private Limited is one of the leading AMCs in the investment market of the country. It serves more than 1 million customers through its 1000 plus offices spread all over India. It operates with a total corpus of Rs. 11553.0387 Crore as of 2019
HSBC Global Asset Management (India) Private Limited is one of the leading AMCs in the investment market of the country. It serves more than 1 million customers through its 1000 plus offices spread all over India. It operates with a total corpus of Rs. 11553.0387 Crore as of 2019
No.of Schemes
44
Total AUM
₹ 1,57,375.13 Cr.
HSBC Credit Risk Fund(M-IDCW Payout) Manager Details
HSBC Credit Risk Fund(M-IDCW Payout) Manager Details
HSBC Credit Risk Fund(M-IDCW Payout) Manager Profile
HSBC Credit Risk Fund(M-IDCW Payout) Manager Profile
Qualification
B.E (Electrical), PGDBM - XLRI, CFA
Past Experience
Mr. Shriram Ramanathan has 14 years of experience. His previous assignments includes ING Investment Management Asia Pacific -Hong Kong,ING Investment Management (India) Pvt. Ltd., Zurich (India) Asset Management Company.
Funds Managed (39)
Debt (33)
1Y Returns
3.93%
3.93%
3Y CAGR
0.91%
0.91%
Base Exp. Ratio
0.28%
0.28%
1Y Returns
5.80%
5.80%
3Y CAGR
1.36%
1.36%
Base Exp. Ratio
0.23%
0.23%
1Y Returns
1.24%
1.24%
3Y CAGR
0.23%
0.23%
Base Exp. Ratio
0.23%
0.23%
1Y Returns
2.72%
2.72%
3Y CAGR
0.98%
0.98%
Base Exp. Ratio
0.33%
0.33%
1Y Returns
0.87%
0.87%
3Y CAGR
0.11%
0.11%
Base Exp. Ratio
0.27%
0.27%
1Y Returns
6.74%
6.74%
3Y CAGR
1.73%
1.73%
Base Exp. Ratio
0.41%
0.41%
1Y Returns
3.91%
3.91%
3Y CAGR
1.12%
1.12%
Base Exp. Ratio
0.27%
0.27%
1Y Returns
3.85%
3.85%
3Y CAGR
0.80%
0.80%
Base Exp. Ratio
0.28%
0.28%
1Y Returns
2.76%
2.76%
3Y CAGR
2.41%
2.41%
Base Exp. Ratio
0.70%
0.70%
1Y Returns
3.47%
3.47%
3Y CAGR
0.79%
0.79%
Base Exp. Ratio
0.27%
0.27%
1Y Returns
3.40%
3.40%
3Y CAGR
0.58%
0.58%
Base Exp. Ratio
0.28%
0.28%
1Y Returns
4.39%
4.39%
3Y CAGR
1.12%
1.12%
Base Exp. Ratio
0.34%
0.34%
1Y Returns
3.25%
3.25%
3Y CAGR
0.30%
0.30%
Base Exp. Ratio
0.34%
0.34%
1Y Returns
3.93%
3.93%
3Y CAGR
0.91%
0.91%
Base Exp. Ratio
0.28%
0.28%
1Y Returns
5.80%
5.80%
3Y CAGR
1.36%
1.36%
Base Exp. Ratio
0.23%
0.23%
1Y Returns
2.72%
2.72%
3Y CAGR
0.98%
0.98%
Base Exp. Ratio
0.33%
0.33%
1Y Returns
4.39%
4.39%
3Y CAGR
1.12%
1.12%
Base Exp. Ratio
0.34%
0.34%
1Y Returns
3.91%
3.91%
3Y CAGR
1.12%
1.12%
Base Exp. Ratio
0.27%
0.27%
1Y Returns
2.76%
2.76%
3Y CAGR
2.41%
2.41%
Base Exp. Ratio
0.70%
0.70%
1Y Returns
3.25%
3.25%
3Y CAGR
0.30%
0.30%
Base Exp. Ratio
0.34%
0.34%
1Y Returns
3.47%
3.47%
3Y CAGR
0.79%
0.79%
Base Exp. Ratio
0.27%
0.27%
1Y Returns
3.81%
3.81%
3Y CAGR
0.47%
0.47%
Base Exp. Ratio
0.51%
0.51%
1Y Returns
3.40%
3.40%
3Y CAGR
0.58%
0.58%
Base Exp. Ratio
0.28%
0.28%
1Y Returns
0.87%
0.87%
3Y CAGR
0.11%
0.11%
Base Exp. Ratio
0.27%
0.27%
1Y Returns
3.85%
3.85%
3Y CAGR
0.80%
0.80%
Base Exp. Ratio
0.28%
0.28%
1Y Returns
1.24%
1.24%
3Y CAGR
0.23%
0.23%
Base Exp. Ratio
0.23%
0.23%
1Y Returns
1.74%
1.74%
3Y CAGR
3.24%
3.24%
Base Exp. Ratio
0.70%
0.70%
1Y Returns
0.39%
0.39%
3Y CAGR
0.09%
0.09%
Base Exp. Ratio
0.33%
0.33%
1Y Returns
6.74%
6.74%
3Y CAGR
1.73%
1.73%
Base Exp. Ratio
0.41%
0.41%
1Y Returns
3.81%
3.81%
3Y CAGR
0.47%
0.47%
Base Exp. Ratio
0.51%
0.51%
1Y Returns
0.39%
0.39%
3Y CAGR
0.09%
0.09%
Base Exp. Ratio
0.33%
0.33%
1Y Returns
—
—
3Y CAGR
—
—
Base Exp. Ratio
0.33%
0.33%
1Y Returns
1.74%
1.74%
3Y CAGR
3.24%
3.24%
Base Exp. Ratio
0.70%
0.70%
HSBC Credit Risk Fund(M-IDCW Payout) Manager Performance (0)
HSBC Credit Risk Fund(M-IDCW Payout) Manager Performance (0)
Debt: Credit Risk Fund
HSBC Credit Risk Fund(M-IDCW Payout) Review & Opinions
HSBC Credit Risk Fund(M-IDCW Payout) Review & Opinions
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