HDFC Credit Risk Debt Fund vs ICICI Prudential Credit Risk Fund
Updated June 2026 · both Credit Risk funds · metrics from AMFI NAVs
In short: ICICI Prudential Credit Risk Fund has the higher 3-year return (+8.91%); ICICI Prudential Credit Risk Fund has the lower expense ratio (0.73%); ICICI Prudential Credit Risk Fund has the better risk-adjusted return (Sharpe 0.59). This is analysis from past data, not a recommendation.
| Metric | HDFC Credit Risk Debt Fund | ICICI Prudential Credit Risk Fund |
|---|---|---|
| 1Y return | +6.72% | +7.86% |
| 3Y CAGR | +8.00% | +8.91% |
| 5Y CAGR | +7.08% | +7.84% |
| Sharpe ratio | -0.05 | 0.59 |
| Max drawdown | -1.5% | -0.8% |
| Volatility | 1.2% | 1.1% |
| Alpha | +0.40% | +1.28% |
| Expense ratio (Direct) | 1.02% | 0.73% |
| AUM | ₹6.9K Cr | ₹5.9K Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
ICICI Prudential Credit Risk Fund has the lower Direct-plan expense ratio (0.73%), versus 1.02% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
ICICI Prudential Credit Risk Fund has the higher 3-year CAGR (+8.91%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.