Aditya Birla Sun Life Credit Risk Fund vs HSBC Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund (Direct) and HSBC Credit Risk Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Credit Risk Fund schemes — see the best credit risk mutual funds for the full ranking.
Head to head
NAVs as of 20 Aug 2026
Growth of ₹100 (rebased over the selected window)
Common period 28 Nov 2022 – 20 Aug 2026, limited by HSBC Credit Risk Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | Aditya Birla Sun Life Credit Risk Fund | HSBC Credit Risk Fund |
|---|---|---|
| 28 Nov 2022 | ₹100.00 | ₹100.00 |
| 21 Mar 2023 | ₹102.10 | ₹102.04 |
| 13 Jul 2023 | ₹105.06 | ₹104.53 |
| 03 Nov 2023 | ₹107.11 | ₹106.70 |
| 25 Feb 2024 | ₹109.83 | ₹109.08 |
| 17 Jun 2024 | ₹113.51 | ₹111.66 |
| 09 Oct 2024 | ₹117.58 | ₹114.84 |
| 30 Jan 2025 | ₹123.40 | ₹117.34 |
| 23 May 2025 | ₹132.96 | ₹136.58 |
| 14 Sep 2025 | ₹136.35 | ₹138.62 |
| 05 Jan 2026 | ₹145.03 | ₹141.32 |
| 29 Apr 2026 | ₹148.48 | ₹143.60 |
| 20 Aug 2026 | ₹153.41 | ₹147.33 |
| Metric | Aditya Birla Sun Life · Direct NAV ₹28.07 Moderate risk ★★★★☆ | HSBC · Direct NAV ₹37.67 Moderate risk ★★★★☆ | Category median Credit Risk Fund · 12 funds |
|---|---|---|---|
| +13.00%Best in row | +6.68% | +8.50% | |
| +13.23%Best in row | +11.81% | +9.08% | |
| +10.94% | — | +8.08% | |
| +9.39% | — | +7.84% | |
| +9.52% | +10.96%Best in row | +8.49% | |
| +12.57%Best in row | +11.99% | — | |
| +8.63% | +11.82%Best in row | +8.20% | |
| +8.35% | — | +7.58% | |
| +9.31% | — | +7.99% | |
| Risk | |||
| 3.44%Best in row | 6.57% | 1.36% | |
| 1.96Best in row | 0.81 | 1.74 | |
| 10.02 | 10.98Best in row | 4.03 | |
| -3.87% | -0.38%Best in row | -3.67% | |
| 0.80%Best in row | 0.84% | 0.81% | |
| ₹1,337Cr | ₹473.50Cr | ₹414.18Cr | |
| 1.00% | Up to 1.00% | — | |
| ₹100 | ₹1.00K | — | |
| ₹100 | ₹5.00K | — | |
| 59% | — | 59% | |
| Mohit Sharma | Shriram Ramanathan · 13.6y | — | |
| 22 Apr 2015 | 28 Nov 2022 | — | |
| 5.9% | 2.4% | — | |
8 rows carry the same value for every fund — show
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Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — Aditya Birla Sun Life Credit Risk Fund or HSBC Credit Risk Fund?
Over the last 3 years, Aditya Birla Sun Life Credit Risk Fund returned +13.23% CAGR against HSBC Credit Risk Fund's +11.81%, computed from AMFI NAV history. Past returns don't guarantee future performance.
Which fund is cheaper — Aditya Birla Sun Life Credit Risk Fund or HSBC Credit Risk Fund?
Aditya Birla Sun Life Credit Risk Fund has the lower expense ratio: Aditya Birla Sun Life Credit Risk Fund charges 0.80% a year against HSBC Credit Risk Fund's 0.84%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — Aditya Birla Sun Life Credit Risk Fund or HSBC Credit Risk Fund?
HSBC Credit Risk Fund has shown higher volatility (+6.57% annualized vs Aditya Birla Sun Life Credit Risk Fund's +3.44%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: Aditya Birla Sun Life Credit Risk Fund -0.38% vs HSBC Credit Risk Fund -0.38%.
Which fund manages more money — Aditya Birla Sun Life Credit Risk Fund or HSBC Credit Risk Fund?
Aditya Birla Sun Life Credit Risk Fund is the larger fund: Aditya Birla Sun Life Credit Risk Fund manages ₹1,337Cr against HSBC Credit Risk Fund's ₹473.50Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are Aditya Birla Sun Life Credit Risk Fund and HSBC Credit Risk Fund in the same category?
Yes — both are Credit Risk Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.