DSP Credit Risk Fund vs HSBC Credit Risk Fund
DSP 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 05 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 28 Nov 2022 – 05 Oct 2026, limited by HSBC Credit Risk Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | DSP Credit Risk Fund | HSBC Credit Risk Fund |
|---|---|---|
| 28 Nov 2022 | ₹100.00 | ₹100.00 |
| 25 Mar 2023 | ₹102.04 | ₹102.10 |
| 21 Jul 2023 | ₹105.58 | ₹104.78 |
| 15 Nov 2023 | ₹116.16 | ₹107.00 |
| 11 Mar 2024 | ₹119.28 | ₹109.60 |
| 06 Jul 2024 | ₹122.26 | ₹112.19 |
| 01 Nov 2024 | ₹125.72 | ₹115.17 |
| 26 Feb 2025 | ₹129.78 | ₹117.92 |
| 23 Jun 2025 | ₹151.16 | ₹136.97 |
| 18 Oct 2025 | ₹153.82 | ₹139.69 |
| 13 Feb 2026 | ₹153.86 | ₹142.24 |
| 10 Jun 2026 | ₹165.88 | ₹145.18 |
| 05 Oct 2026 | ₹170.04 | ₹148.15 |
| Metric | DSP · Direct NAV ₹60.93 Moderate risk ★★★★☆ | HSBC · Direct NAV ₹37.87 Moderate risk ★★★★☆ | Category median Credit Risk Fund · 12 funds |
|---|---|---|---|
| +10.81%Best in row | +6.35% | +7.43% | |
| +16.68%Best in row | +11.69% | +8.86% | |
| +13.38% | — | +7.70% | |
| +8.65% | — | +7.68% | |
| +9.17% | +10.74% | +8.43% | |
| +14.52%Best in row | +11.44% | — | |
| +8.50% | +11.84%Best in row | +8.21% | |
| +7.53% | — | +7.59% | |
| +8.00% | — | +7.97% | |
| Risk | |||
| 7.68% | 6.57%Best in row | 1.37% | |
| 1.33Best in row | 0.79 | 1.52 | |
| 9.48 | 10.40Best in row | 3.53 | |
| -5.98% | -0.38% | -3.67% | |
| 0.43%Best in row | 0.84% | 0.80% | |
| ₹250.18Cr | ₹473.50Cr | ₹354.86Cr | |
| Up to 3.00% | Up to 1.00% | — | |
| ₹100 | ₹500 | — | |
| ₹100 | ₹5.00K | — | |
| Vivek Ramakrishnan · 5.2y | Shriram Ramanathan | — | |
| 02 Jan 2013 | 28 Nov 2022 | — | |
| 3.9% | 5.2% | — | |
9 rows carry the same value for every fund — show
- Benchmark
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- Alpha
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- Beta
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- Upside capture
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- Lock-in
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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 — DSP Credit Risk Fund or HSBC Credit Risk Fund?
Over the last 3 years, DSP Credit Risk Fund returned +16.68% CAGR against HSBC Credit Risk Fund's +11.69%, computed from AMFI NAV history. Past returns don't guarantee future performance.
Which fund is cheaper — DSP Credit Risk Fund or HSBC Credit Risk Fund?
DSP Credit Risk Fund has the lower expense ratio: DSP Credit Risk Fund charges 0.43% 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 — DSP Credit Risk Fund or HSBC Credit Risk Fund?
DSP Credit Risk Fund has shown higher volatility (+7.68% annualized vs HSBC Credit Risk Fund's +6.57%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: DSP Credit Risk Fund -1.77% vs HSBC Credit Risk Fund -0.38%.
Which fund manages more money — DSP Credit Risk Fund or HSBC Credit Risk Fund?
HSBC Credit Risk Fund is the larger fund: DSP Credit Risk Fund manages ₹250.18Cr 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 DSP 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.