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 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 | DSP Credit Risk Fund | HSBC Credit Risk Fund |
|---|---|---|
| 28 Nov 2022 | ₹100.00 | ₹100.00 |
| 21 Mar 2023 | ₹101.91 | ₹102.04 |
| 13 Jul 2023 | ₹105.37 | ₹104.53 |
| 03 Nov 2023 | ₹115.79 | ₹106.70 |
| 25 Feb 2024 | ₹118.65 | ₹109.08 |
| 17 Jun 2024 | ₹121.72 | ₹111.66 |
| 09 Oct 2024 | ₹125.23 | ₹114.84 |
| 30 Jan 2025 | ₹128.22 | ₹117.34 |
| 23 May 2025 | ₹149.43 | ₹136.58 |
| 14 Sep 2025 | ₹152.69 | ₹138.62 |
| 05 Jan 2026 | ₹155.37 | ₹141.32 |
| 29 Apr 2026 | ₹165.14 | ₹143.60 |
| 20 Aug 2026 | ₹169.28 | ₹147.33 |
| Metric | DSP · Direct NAV ₹60.66 Moderate risk ★★★☆☆ | HSBC · Direct NAV ₹37.67 Moderate risk ★★★★☆ | Category median Credit Risk Fund · 12 funds |
|---|---|---|---|
| +11.26%Best in row | +6.68% | +8.50% | |
| +16.84%Best in row | +11.81% | +9.08% | |
| +13.32% | — | +8.08% | |
| +8.81% | — | +7.84% | |
| +9.23% | +10.96%Best in row | +8.49% | |
| +14.95%Best in row | +11.99% | — | |
| +8.43% | +11.82%Best in row | +8.20% | |
| +7.45% | — | +7.58% | |
| +8.01% | — | +7.99% | |
| Risk | |||
| 7.67% | 6.57%Best in row | 1.36% | |
| 1.35Best in row | 0.81 | 1.74 | |
| 9.72 | 10.98Best in row | 4.03 | |
| -5.98% | -0.38%Best in row | -3.67% | |
| 0.44%Best in row | 0.84% | 0.81% | |
| ₹250.18Cr | ₹473.50Cr | ₹414.18Cr | |
| 3.00% | Up to 1.00% | — | |
| ₹100 | ₹1.00K | — | |
| ₹100 | ₹5.00K | — | |
| Laukik Bagwe | Shriram Ramanathan · 13.6y | — | |
| 02 Jan 2013 | 28 Nov 2022 | — | |
| 1.1% | 2.4% | — | |
9 rows carry the same value for every fund — show
- Benchmark
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- Alpha
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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 +16.84% 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 — DSP Credit Risk Fund or HSBC Credit Risk Fund?
DSP Credit Risk Fund has the lower expense ratio: DSP Credit Risk Fund charges 0.44% 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 (+7.67% 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.