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HSBC Credit Risk Fund

HSBC Mutual Fund · 151045 · Quant Rank #145

Not RecommendablePreliminary Assessment
PRELIMINARY_ASSESSMENT

Research Confidence reflects source quality and evidence depth — it is independent of the score below. A fund can score highly with low confidence, or moderately with high confidence.

Real Evidence
CategoryDEB
AUM₹459.1 Cr
BenchmarkNIFTY Credit Risk Bond Index B-II
RiskometerModerately High
TERInsufficient data
InceptionInsufficient data
Track RecordInsufficient data
Fund ManagerInsufficient data
AUM Floor₹1000 Cr
Min Track3 yrs
Max Alloc30%
Returns vs Benchmark
WindowFundBenchmark
1 Year6.68%4.55%
3 Year11.81%6.86%
5 Year9.48%6.88%
Since Launch8.19%8.27%
Calculated Parameters
FMTInsufficient data — no real 'managing since' date collected for this scheme's current manager
AMQ3/10
AUTInsufficient data — no real 3-months-ago AUM evidence (AMFI's live feed only carries current + ~1-month-ago; needs a genuine dated snapshot from an earlier sync)
ERSInsufficient data — no TER evidence collected for this scheme
Structural Gates
Gate 1 — EligibilityEXCLUDED

AUM floor: FAIL · Track record: UNKNOWN · SEBI: UNKNOWN

Gate 2Quant ScreenFAIL
Gate 3Top 10FAIL
Gate 4Top 5FAIL
Gate 5Top 2 ICFAIL
Candidate's 46.2 would rank #3 among 2 real existing category scores (top 2 = recommendable).
Analyst Name
MOMMomentum
7% weight
Preliminary

3–6M price+flow vs benchmark · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 2:49:46 PM

CONConsistency
10% weight
Preliminary

3Y/5Y quartile rank stability · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 2:49:48 PM

PQTPortfolio Quality
11% weight
Preliminary

PE, concentration, churn · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 2:49:49 PM

FMQFund Mgr Quality
12% weight
Preliminary

Philosophy, communication, style drift · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 2:49:51 PM

VALValuation Risk
10% weight
Preliminary

Portfolio PE/PB vs category avg · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 2:49:52 PM

STWSector Tailwinds
9% weight
Preliminary

Policy/macro drivers 12-18M · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 2:49:53 PM

DSPDownside Protection
8% weight
Preliminary

Max DD, Sortino, bear markets · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 2:49:55 PM

OPPOutperformance Prob.
8% weight
Preliminary

Analyst 12M alpha probability · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 2:49:56 PM

THSThesis Strength
2% weight
Preliminary

Analyst 12-24M thesis conviction · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 2:49:58 PM

V6 Final Score
46.2
/ 100 — Final Score
AVOID
MOM
4.9
CON
7.0
PQT
5.5
FMQ
6.0
VAL
5.0
STW
5.4
DSP
5.6
OPP
4.0
FMT
AMQ
1.8
AUT
ERS
THS
1.0
Data-limited: FMT, AUT, ERS (insufficient data — never defaulted to 0)
Source Evidence (14)
BenchmarkNIFTY Credit Risk Bond Index B-II
Riskometer (Scheme)Moderately High
NAV - Direct Plan37.6721
NAV Date21-Aug-2026
Daily AUM (Cr.)459.0629
1 Year Return - Direct Plan (%)6.6845
1 Year Return - Benchmark (%)4.5481
3 Year Return - Direct Plan (%)11.8074
3 Year Return - Benchmark (%)6.8612
5 Year Return - Direct Plan (%)9.4797
5 Year Return - Benchmark (%)6.8785
Since Launch Return - Direct Plan (%)8.1928
Since Launch Return - Benchmark (%)8.2691
Audit Log
THS 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 2:50:01 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Debt (overnight/liquid): capital-preservation mandate, return is a direct function of prevailing short-term rates, not manager skill.
OPP 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 2:49:59 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real return-vs-benchmark evidence: 1Y +2.14pp vs benchmark, 3Y +4.95pp vs benchmark, 5Y +2.60pp vs benchmark, SinceLaunch -0.08pp vs benchmark (avg 2.40pp).
DSP 77 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 2:49:58 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real Max Drawdown or Sortino data exists in any source checked this session; ordinary volatility/beta are never substituted. Debt category carries structurally low real drawdown risk by mandate design.
STW 66 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 2:49:57 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Category-level thesis: Debt (overnight/liquid): capital-preservation mandate, return is a direct function of prevailing short-term rates, not manager skill. No fund-specific sector-overweight evidence collected (no GICS sector allocation data exists for this scheme), so scored at the category's own general positioning.
VAL 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 2:49:55 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real TER data collected; scored at category-neutral baseline (no portfolio PE/PB data exists in any source checked this session).
FMQ 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 2:49:54 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No manager identity evidence collected; scored at category-neutral baseline.
PQT 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 2:49:52 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real AUM ₹459.063 Cr vs category floor ₹1000 Cr (0.5x). Small scale relative to floor — genuinely undifferentiated evidence either way.
CON 77 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 2:49:51 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No Value Research rating collected; consistency estimated from real return-vs-benchmark trend (1Y +2.14pp vs benchmark, 3Y +4.95pp vs benchmark, 5Y +2.60pp vs benchmark, SinceLaunch -0.08pp vs benchmark, avg 2.40pp).
MOM 77 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 2:49:49 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Most recent available window (1Y: +2.14pp vs benchmark) used as the closest real proxy for near-term momentum (V6's exact 3-6M window has no data source for most equity funds in this pipeline).
THS 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 12:54:18 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Debt (overnight/liquid): capital-preservation mandate, return is a direct function of prevailing short-term rates, not manager skill.
OPP 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 12:54:16 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real return-vs-benchmark evidence: 1Y +2.14pp vs benchmark, 3Y +4.95pp vs benchmark, 5Y +2.60pp vs benchmark, SinceLaunch -0.08pp vs benchmark (avg 2.40pp).
DSP 7 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 12:54:14 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real Max Drawdown or Sortino data exists in any source checked this session; ordinary volatility/beta are never substituted. Debt category carries structurally low real drawdown risk by mandate design.
STW 6 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 12:54:12 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Category-level thesis: Debt (overnight/liquid): capital-preservation mandate, return is a direct function of prevailing short-term rates, not manager skill. No fund-specific sector-overweight evidence collected (no GICS sector allocation data exists for this scheme), so scored at the category's own general positioning.
VAL 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 12:54:10 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real TER data collected; scored at category-neutral baseline (no portfolio PE/PB data exists in any source checked this session).
FMQ 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 12:54:08 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No manager identity evidence collected; scored at category-neutral baseline.
PQT 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 12:54:06 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real AUM ₹459.063 Cr vs category floor ₹1000 Cr (0.5x). Small scale relative to floor — genuinely undifferentiated evidence either way.
CON 7 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 12:54:04 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No Value Research rating collected; consistency estimated from real return-vs-benchmark trend (1Y +2.14pp vs benchmark, 3Y +4.95pp vs benchmark, 5Y +2.60pp vs benchmark, SinceLaunch -0.08pp vs benchmark, avg 2.40pp).
MOM 7 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 12:54:02 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Most recent available window (1Y: +2.14pp vs benchmark) used as the closest real proxy for near-term momentum (V6's exact 3-6M window has no data source for most equity funds in this pipeline).