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Value Research Rating
Analyst’s Choice
Riskometer
Moderately High
₹29.3859 0.08%
As on 14-Oct-2024
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
Rating |
VR Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|
|---|---|---|---|---|---|---|
|
HSBC Credit Risk Fund - Direct Plan
|
|
|
Moderately High
|
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0.86 |
|
 |
|
High
|
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0.69 |
||
 |
|
Moderately High
|
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0.97 |
||
|
|
High
|
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0.77 |
||
|
|
High
|
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0.89 |
₹578 Cr
3.00 (365)
5,000
500
500
6
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.
Suitability
"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
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
1 min read•By News Desk
HSBC Credit Risk Fund - Direct Plan 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 - Direct Plan 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 - Direct Plan is ₹29.3859 as of 15-Oct-2024.
The AUM of HSBC Credit Risk Fund - Direct Plan Fund is ₹578 Cr as of 30-Sep-2024
The riskometer level of HSBC Credit Risk Fund - Direct Plan is Moderately High. See More
| Company | Percentage of Portfolio |
|---|---|
|
GOI Sec 7.18 14/08/2033 |
10.77
|
|
GOI Sec 7.32 13/11/2030 |
8.25
|
|
Godrej Housing Finance Ltd SR B Debenture 7.75 03/10/2024 |
5.59
|
|
Godrej Industries Ltd NCD 7.17 14/05/2025 |
4.86
|
|
Nirma Ltd SR VII TR C Debenture 8.50 07/04/2027 |
4.58
|
As of 30-Sep-2024, HSBC Credit Risk Fund - Direct Plan had invested 99.52% in Debt and 0.48% in Cash & Cash Eq. See More
HSBC Credit Risk Fund - Direct Plan is 11 years 9 months old. It has delivered 7.25% returns since inception. See More
|
1Y
|
3Y
|
5Y
|
7Y
|
10Y
|
Since Inception
|
|---|---|---|---|---|---|
|
8.07%
|
6.25%
|
6.47%
|
5.75%
|
7.06%
|
7.25%
|
No, There is no lock in period in HSBC Credit Risk Fund - Direct Plan.
The expense ratio of HSBC Credit Risk Fund - Direct Plan is 0.86.
