DSP Credit Risk Fund
- NAV as on 9 Nov 2026
- ₹55.50+0.08%1 day
- Return since launch
- 7.6%
- 52-week range
- ₹49.96 — ₹55.45
- AUM
- ₹336 Cr
DSP Credit Risk Fund is a Credit Risk debt fund from DSP Mutual Fund with ₹336 Cr under management, launched in 2003. Over three years it has returned 12.9% a year, against 8.7% for its category. The expense ratio is 1.19% and the SEBI riskometer reading is Moderately High.
Performance
DSP Credit Risk Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +9.8% against +5.5% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 10.6% | +3.1 pts | 7.4% | 5.6% |
| 2Y | 11.6% | +3.6 pts | 8.0% | 6.2% |
| 3Y | 12.9% | +4.2 pts | 8.7% | 6.6% |
| 5Y | 13.3% | +4.3 pts | 9.0% | 6.8% |
| 7Y | 12.0% | +3.3 pts | 8.7% | 6.5% |
| 10Y | 9.9% | +3.8 pts | 6.1% | 6.6% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.5% | −0.1 pts | 0.6% | 0.6% |
| 3M | 0.6% | −0.2 pts | 0.8% | 0.7% |
| 6M | 3.6% | +0.3 pts | 3.4% | 3.1% |
| 1Y | 9.8% | +2.4 pts | 7.4% | 5.6% |
| 2Y | 15.5% | +6.6 pts | 9.0% | 6.7% |
| 3Y | 12.9% | +4.2 pts | 8.7% | 7.1% |
| 5Y | 12.5% | +3.5 pts | 9.0% | 6.3% |
| 7Y | 10.1% | +2.9 pts | 7.2% | 6.5% |
| 10Y | 7.8% | +1.7 pts | 6.1% | 6.6% |
Since launch (12 May 2003): 7.6%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 21.0% | +9.7 pts | 11.3% |
| 2024 | 7.8% | −0.9 pts | 8.7% |
| 2023 | 15.6% | +6.9 pts | 8.7% |
| 2022 | 9.3% | −6.5 pts | 15.7% |
| 2021 | 2.9% | −5.3 pts | 8.2% |
| 2020 | 4.8% | +3.9 pts | 1.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.19%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.00%
- Brokerage
- 0.01%
- Transaction charges
- 0.00%
- Statutory levies
- 0.18%
- Exit load
- Exit load of 3%, if redeemed within 12 months.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Credit Risk Debt B-II Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderately high risk — typically balanced hybrid and index-led equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 1.08 | 1.47 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 5.48 | 5.08 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 6.24 | 2.40 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
DSP Credit Risk Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Debt92.0%
- Other8.0%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Kotak Mahindra Bank Ltd. | Financial | 7.50% | ₹24.44 Cr | +8.73% | — | — |
| Others | Others | 6.46% | ₹21.10 Cr | +0.75% | +0.93% | +0.96% |
| Aditya Birla Digital Fashion Ventures Ltd. | Services | 6.18% | ₹20.15 Cr | — | — | — |
| Nuvoco Vistas Corporation Ltd. | Materials | 6.09% | ₹19.86 Cr | +5.75% | — | — |
| Adani Airport Holdings Ltd. | Services | 6.08% | ₹19.80 Cr | +5.44% | — | — |
| GMR Airports Ltd. | Construction | 5.05% | ₹16.46 Cr | +3.86% | +4.79% | — |
| JTPM Metal Traders Ltd. | Metals & Mining | 4.97% | ₹16.19 Cr | +5.84% | +4.66% | +4.82% |
| Tata Housing Devp. Co. Ltd | Construction | 4.80% | ₹15.64 Cr | +5.64% | +6.80% | +7.67% |
| Aditya Birla Renewables Ltd. | Energy | 4.61% | ₹15.03 Cr | +5.82% | +7.04% | +7.34% |
| Tata Projects Ltd. | Construction | 4.01% | ₹13.07 Cr | +7.32% | +9.60% | +5.00% |
| Piramal Finance Pvt. Ltd. | Financial | 3.33% | ₹10.86 Cr | +3.86% | +4.66% | — |
| Aadhar Housing Finance Ltd | Financial | 3.24% | ₹10.57 Cr | +3.77% | +4.55% | +5.16% |
| 360 ONE Wealth Ltd. | Financial | 3.20% | ₹10.43 Cr | +3.86% | +4.66% | +5.14% |
| Kogta Financial India Ltd. | Financial | 3.15% | ₹10.28 Cr | +3.67% | — | — |
| Nuvama Wealth Finance Ltd. | Financial | 3.11% | ₹10.13 Cr | +3.94% | +4.75% | +4.86% |
| Adani Power Ltd. | Energy | 3.05% | ₹9.95 Cr | +3.63% | +4.46% | — |
| National Bank For Agriculture & Rural Development | Financial | 1.60% | ₹5.20 Cr | +5.61% | +6.77% | +5.08% |
| REC Ltd. | Financial | 1.59% | ₹5.17 Cr | +3.76% | +4.87% | — |
| GOI | Sovereign | 1.58% | ₹5.16 Cr | +1.89% | +2.33% | +2.56% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:12646 | 1.77% | 0.00% | -1.77% |
| GMR Airports Ltd. | 3.48% | 5.05% | +1.57% |
| Nuvoco Vistas Corporation Ltd. | 6.84% | 6.09% | -0.75% |
| Aditya Birla Renewables Ltd. | 5.24% | 4.61% | -0.63% |
| Adani Airport Holdings Ltd. | 6.48% | 6.08% | -0.40% |
| Kotak Mahindra Bank Ltd. | 7.85% | 7.50% | -0.35% |
| Aditya Birla Digital Fashion Ventures Ltd. | 6.49% | 6.18% | -0.31% |
| JTPM Metal Traders Ltd. | 5.22% | 4.97% | -0.25% |
| Tata Housing Devp. Co. Ltd | 5.04% | 4.80% | -0.24% |
| Adani Power Ltd. | 3.25% | 3.05% | -0.20% |
| Aadhar Housing Finance Ltd | 3.39% | 3.24% | -0.15% |
| Kogta Financial India Ltd. | 3.30% | 3.15% | -0.15% |
| Piramal Finance Pvt. Ltd. | 3.48% | 3.33% | -0.15% |
| Tata Projects Ltd. | 3.23% | 3.08% | -0.15% |
| Nuvama Wealth Finance Ltd. | 3.25% | 3.11% | -0.14% |
| GOI | 1.68% | 1.58% | -0.10% |
| 360 ONE Wealth Ltd. | 1.74% | 1.66% | -0.08% |
| National Bank For Agriculture & Rural Development | 1.67% | 1.60% | -0.07% |
| REC Ltd. | 1.66% | 1.59% | -0.07% |
| Others | 0.26% | 0.25% | -0.01% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹1,087 Cr | 1.52% | 9.0% | 9.6% | 10.1% |
 SBI Credit Risk Fund | ₹2,177 Cr | 1.54% | 7.2% | 7.5% | 7.6% |
 Aditya Birla Sun Life Credit Risk Fund | ₹1,721 Cr | 1.60% | 8.1% | 11.8% | 11.1% |
 Axis Credit Risk Fund | ₹370 Cr | 1.56% | 7.2% | 7.8% | 7.6% |
 Bank of India Credit Risk Fund | ₹78.52 Cr | 1.36% | 13.6% | 11.4% | 14.0% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate returns commensurate with risk from a portfolio constituted of money market securities and debt securities.
Fund managers
- Shalini VasantaMr. Vasanta has done BA and MBA (Finance)Prior to joining DSP Mutual Fund, he has worked with ICRA as Senior Analyst
- Vivekanand RamakrishnanMr. Ramakrishnan is a B.Tech from IIT Madras, MS and PHD from University of Southern California.Prior to joining DSP Investment Managers. He has worked with ICICI Prudential Mutual Fund, Standard Chartered Bank, Vikram Ispat as Marketing Executive and with CRISIL as manager-rating.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months3.62% absolute | ₹60,000 | ₹62,172 | 3.62% | |
| 1 year9.80% annualised | ₹1,20,000 | ₹1,26,565 | 5.47% | |
| 3 years12.91% annualised | ₹3,60,000 | ₹4,41,528 | 22.65% | |
| 5 years12.53% annualised | ₹6,00,000 | ₹8,37,045 | 39.51% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.