HSBC Credit Risk Fund

Invest Online download factsheet

Value Research Rating

2 star

Analyst’s Choice




Moderately High

₹26.4037 0.00%

As on 17-May-2024


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Calculate SIP Returns of HSBC Credit Risk Fund

Upfront Investment

Monthly SIP Amount

Investment Duration


Risk info

This fund has Moderately High risk.

Low to Moderate
Moderately High
Very High

As per SEBI's Riskometer.

Portfolio of HSBC Credit Risk Fund

Asset Allocation

Split between different types of investments

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Credit Rating Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of HSBC Credit Risk Fund

Assets info

₹572 Cr

Exit Load (Days) info

3.00 (365)

Min. Investment (₹)


Min. Withdrawal (₹)


Min. SIP Investment (₹)


Min. No of Cheques


Investment Strategy

The scheme seeks to generate regular returns and capital appreciation by investing predominantly in AA and below rated corporate bonds, debt, government securities and money market instruments.


"Credit risk funds invest mainly in bonds which are rated AA or below by credit rating agencies. The lower rating indicates a higher possibility of these bonds defaulting on repayment of investors' money. Therefore, these funds are the riskiest among debt fund categories. But they compensate for this additional risk with a higher return potential as these bonds offer better rates of interest than the highest rated bonds.

However, retail investors can avoid these funds altogether. There are far too many kinds of debt funds with a highly nuanced classification based on the type or duration of bonds they can invest in. We believe that so many fund categories add to complexity which is easily avoidable. Retail investors can simply invest in Liquid funds for an investment horizon of up to one year and Short Duration funds for the fixed income allocation (which should be 100 per cent for an investment horizon of up to three years) in their longer-term portfolios."

Capital Gains Taxation

  • If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • If investment is made before 1 April 2023:
    • Sold within 3 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
    • Sold after 3 years from the date of investment: Gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • No tax is to be paid as long as you continue to hold the units.

Dividend Taxation

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

FAQ for HSBC Credit Risk Fund

HSBC Credit Risk Fund is mandated to invest at least 65 per cent of its assets in corporate bonds rated AA and below.

Mutual funds can be bought directly from the website of the fund house. For instance, HSBC Credit Risk Fund fund can be purchased from the website of HSBC Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.

The NAV of HSBC Credit Risk Fund is ₹26.4037 as of 21-May-2024.

The AUM of HSBC Credit Risk Fund Fund is ₹572 Cr as of 30-Apr-2024

The riskometer level of HSBC Credit Risk Fund is Moderately High. See More

Company Percentage of Portfolio

GOI Sec 7.18 14/08/2033


NUVOCO Vistas Corp Ltd Bonds/NCD 7.75 28/08/2025


DLF Cyber City Developers Ltd Debenture 6.70 30/09/2024


Small Industries Devp. Bank of India Ltd SR IX Debenture 7.59 10/02/2026


Nirma Ltd SR VII TR C Debenture 8.50 07/04/2027

See More

As of 30-Apr-2024, HSBC Credit Risk Fund had invested 98.99% in Debt and 1.01% in Cash & Cash Eq. See More

HSBC Credit Risk Fund is 14 years 7 months old. It has delivered 6.87% returns since inception. See More

Since Inception

No, There is no lock in period in HSBC Credit Risk Fund.

The expense ratio of HSBC Credit Risk Fund is 1.68.

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