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HDFC Credit Risk Debt Fund-(IDCW-Reinv)

Ticker: mf14784
Decent 68/100

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H
HDFC Credit Risk Debt Fund-(IDCW)
Score 71/100 Decent
The fund shows decent potential but is hindered by inconsistent growth and moderate profitability metrics. Caution is advised.
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H
HDFC Credit Risk Debt Fund-(Q-IDCW)
Score 66/100 Decent
The HDFC Credit Risk Debt Fund shows decent potential with a solid growth trajectory and manageable risks.
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N
Nippon India Multi Asset Allocation Fund(IDCW)
Score 66/100 Decent
The fund shows decent potential with a diversified approach, but there are areas that require attention, especially in governance and execution risks.
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B
Bandhan ELSS Tax Saver Fund(IDCW)
Score 68/100 Decent
The fund shows decent potential with growth opportunities, but faces challenges in profitability and valuation.
View details
A
Axis Ultra Short Duration Fund(M-IDCW)
Score 68/100 Decent
The Axis Ultra Short Duration Fund shows decent potential but faces challenges in profitability and valuation metrics. Investors should be cautious.
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A
Axis Ultra Short Duration Fund(DD-IDCW)
Score 68/100 Decent
The Axis Ultra Short Duration Fund shows decent potential but faces challenges in profitability and governance that could impact future performance.
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A
Axis Ultra Short Duration Fund(W-IDCW)
Score 48/100 Decent
The fund shows potential with decent growth and profitability metrics, but faces challenges in execution and market sentiment.
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A
Axis Ultra Short Duration Fund(IDCW)
Score 63/100 Decent
The Axis Ultra Short Duration Fund shows decent potential with stable growth and manageable risks, but investors should be cautious of liquidity and execution challenges.
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S
Sundaram Aggressive Hybrid Fund(M-IDCW)
Score 68/100 Decent
The fund shows decent potential with consistent growth and reasonable valuations, but attention to liquidity and execution risks is necessary.
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S
Sundaram Large and Mid Cap Fund(IDCW)
Score 68/100 Decent
The fund shows decent potential with a balanced approach to growth and risk management.
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B
Bandhan Low Duration Fund(Q-IDCW)
Score 66/100 Decent
The fund shows potential for moderate returns, but investors should be cautious of the risks involved.
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B
Bandhan Low Duration Fund(IDCW)
Score 68/100 Decent
The fund shows potential for moderate growth, but investors should be cautious due to some underlying risks.
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B
Bandhan Low Duration Fund(M-IDCW)
Score 68/100 Decent
The fund shows potential for moderate growth, but investors should be cautious of profitability and execution risks.
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B
Bandhan Low Duration Fund(W-IDCW)
Score 66/100 Decent
The fund shows potential for growth but faces challenges in profitability and valuation. Caution is advised.
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B
Bandhan Low Duration Fund(DD-IDCW)
Score 68/100 Decent
The fund shows decent potential but faces challenges in growth and valuation metrics.
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B
Bandhan Low Duration Fund(M-IDCW Reinvest)
Score 48/100 Risky
The fund presents several risks with inconsistent growth and profitability metrics, making it a risky investment.
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Business Overview

HDFC Credit Risk Debt Fund is designed for investors seeking stable returns through a diversified portfolio of credit-rated fixed income securities. Ideal for risk-averse individuals and those looking to enhance their income while preserving capital, this fund focuses on high-quality corporate bonds. Its strategic approach to credit risk management ensures potential for attractive yields, making it a valuable addition to any investment portfolio. With HDFC's strong track record, this fund offers a reliable option for long-term wealth creation.

  • Diversified portfolio of credit-rated fixed income securities
  • Ideal for risk-averse investors
  • Focus on high-quality corporate bonds
  • Potential for attractive yields
  • Strong track record of HDFC
  • Supports long-term wealth creation

Investment Thesis

HDFC Credit Risk Debt Fund stands out due to its robust promoter credibility, significant growth in digital services, and attractive valuations compared to peers. This fund offers a compelling opportunity for investors seeking stable returns in a dynamic market environment.

  • Strong backing from HDFC Group, ensuring trust and reliability.
  • Growing digital services sector enhances fund management efficiency.
  • Valuations remain attractive compared to similar funds, presenting a buying opportunity.
  • Consistent performance track record boosts investor confidence.
  • Focus on credit risk management mitigates potential downsides.

Opportunity vs Risk

Opportunities
  • Stable returns from debt investments
  • Potential for capital appreciation
  • Diversification in fixed income
  • Tax-efficient growth options
Risks ⚠️
  • Interest rate fluctuations
  • Credit risk from borrowers
  • Market volatility impact
  • Liquidity concerns in redemption

Peer Perspective

HDFC Credit Risk Debt Fund trades at a slight premium compared to peers like ICICI Credit Risk Fund and Aditya Birla Credit Risk Fund. A rerating could occur with improved margin stability and consistent yield performance.
📊 Stock Investment Checklist (100 Points)
HDFC Credit Risk Debt Fund-(IDCW-Reinv) • Updated: 2025-10-01 06:02:55
  • 10
    Business
    High
    The sector is stable but lacks significant growth potential.
  • 10
    Growth
    High
    Moderate revenue growth observed, but inconsistent profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are acceptable, but cash flow is volatile.
  • 8
    Valuation
    High
    Valuation metrics are slightly above peers, indicating overvaluation.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity is a concern.
  • 6
    Governance
    Good
    Promoter holding is strong, but some concerns over disclosures.
  • 5
    Drivers
    Good
    Limited growth drivers identified, execution risks present.
  • 5
    Technicals
    Good
    Market sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100 • Decent
The fund shows decent potential but is hindered by inconsistent growth and profitability metrics. Caution is advised.