NRI from all over the world (excluding U.S.A. & Canada) can invest in this fund

INVEST VIA NRE/NRO

HDFC Credit Risk Debt Fund -Growth for NRI [24.97]

Min Investment

₹100

Fund Size

₹6,876.49 Cr

Expense Ratio

1.6%

Exit Load

1%

SBNRI is a certified Mutual Fund distributor registered with Association of Mutual Funds in India (AMFI) with Reg. No. 246671

₹24.97

0.06%

NAV as on 09 Feb 26, 12:00 AM

high risk

credit risk

debt

NAV as on 09 Feb 26, 12:00 AM

high risk

credit risk

debt

7.44%p.a.

Last 1Y

7.52%p.a.

Last 3Y

6.72%p.a.

Last 5Y

8.00%p.a.

Since Inception

About HDFC Credit Risk Debt Fund -Growth for NRIs

NRIs can achieve long-term capital appreciation by investing in the HDFC Credit Risk Debt Fund -Growth scheme from HDFC Asset Management Company Limited. It is a Credit Risk mutual fund scheme that predominantly invests in Credit Risk stocks of companies. Launched on Mar 2014, HDFC Credit Risk Debt Fund -Growth is Credit Risk fund of its category with 6,876.49 Cr fund under management as on Feb 2026. The expense ratio of this fund is less than that of most other Fund category Credit Risk funds.

  • HDFC Credit Risk Debt Fund -Growth delivered 7.4% annual returns during the last year. It has delivered 8.0% average annual returns since the fund was launched.
  • HDFC Credit Risk Debt Fund -Growth scheme tends to consistently deliver higher returns than most schemes in the same category.
  • The scheme has predominantly invested in debt

Fund Objective

To generate income/capital appreciation by investing predominantly in AA and below rated corporate debt. There is no assurance that the investment objective of the Scheme will be realized.

Top 10 Holdings

Repo

0.61%

Net Current Assets

2.80%

NTPC Ltd SR-57 Bonds 8.19 15/12/2025

0.36%

NTPC Ltd Bonds 8.05 05/05/2026

0.36%

NTPC Ltd SR-61 STRPP B Bonds 8.10 27/05/2026

0.15%

Embassy Office Parks REIT

1.07%

REC LIMITED SERIES 175 8.97 BD 28MR29 FVRS10LAC

0.15%

POWER FINANCE CORPORATION LTD. SERIES 184 B 9.10 BD 23MR29 FVRS10LAC

1.53%

TATA MOTORS LIMITED SR E28-B TRANCHE I 8.50 LOA 30DC26 FVRS10LAC

1.44%

TATA MOTORS LIMITED SR E28-B TRANCHE II 8.50 LOA 29JN27 FVRS10LAC

2.89%

Fund Managers

  1. Shobhit Mehrotra (Mar 2014 - Present)
  2. Dhruv Muchhal (Jun 2023 - Present)

Key Information

View Scheme Document

HDFC Credit Risk Debt Fund -Growth SIP Calculator

If invested

₹5,000

per month

For a period of

Investment of ₹0 could have been

₹0(+0.0%)

₹0 (+0.0%)

This Fund

₹0 (+0.0%)

Fixed Deposit

NRI Mutual Fund Tax on HDFC Credit Risk Debt Fund -Growth

Just like for resident investors, capital gains from mutual fund investments are subject to income tax for NRI investors.

Fund TypeShort-term Capital Gains (STCG) TaxLong-term Capital Gains (LTCG) Tax
Equity mutual funds15%10% (above Rs. 1 lakh LTCG) without indexation*
Debt & other types of fundsAt tax slab rate20% with indexation benefits

How can NRIs invest in HDFC Credit Risk Debt Fund -Growth?

NRIs and OCIs can download the SBNRI app to invest in mutual funds from the country of their residence. Here are a few simple steps you need to take:

  • Complete your NRI KYC: Type in your personal details and attach supporting documents, like:
  • PAN Number
  • Overseas address proof: Any of – Water/electricity bill, postpaid mobile/internet bill, rent agreement, driving license, etc.
  • Passport – front and back
  • Passport size photograph
  • signature

If all details are correct, your KYC will be approved within 7 to 8 business days.

  • Onboarding: After KYC, you need to share the following details to complete onboarding process and start investing in HDFC Credit Risk Debt Fund -Growth
  • Onboarding: After KYC, you need to share the following details to complete onboarding process and start investing:
  • City and country of birth
  • NRE/NRO bank account statement/ canceled cheque for the latest 3 months
  • Nominee details

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