DSP Credit Risk Fund Direct Plan-Growth

Q: What are the returns of this mutual fund scheme?

The DSP Credit Risk Fund Direct Plan-Growth is a 13 yrs 1 m old fund and has delivered average annual returns of 8.87% since inception. DSP Credit Risk Fund Direct Plan-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 20.54% 15.18% 11.85% 8.55% 8.87%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹55.4396-0.59% 1 day change	8.87% p.a.	App exclusive #NA View Ranked Funds	₹206 Cr

Historical NAV & returns

NAV: ₹55.4396 as on Feb 02, 2026

This fund Category average

DSP Credit Risk Fund overview

Expense ratio	0.4% as on Feb 02, 2026
Exit load	3.0% Exit load of 3%, if redeemed within 12 months.!
AUM (Fund size)	₹206 Cr
Lock-in Period	Nil
Age	13 yrs 1 m since Jan 01, 2013
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	This scheme is currently not buyable
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

DSP Credit Risk Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Asset allocationas on Dec 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AA 53.49%

SOV 24.53%

AAA 5.08%

Cash & Call Money 5.0%

Top Debt Holdings

GOI 24.53%

Nirma Ltd. 7.83%

Aditya Birla Renewables Ltd. 7.54%

Aadhar Housing Finance Ltd 5.29%

Allocation by Instruments

Debenture 35.87%

GOI Securities 24.53%

Bonds/NCDs 15.059999999999999%

Non Convertible Debenture 10.17%

Other Holdings

Roadstar Infra Investment Trust 9.04%

Others 7.11%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
DSP Credit Risk Fund	-0.43%	1.6%	20.54%	15.18%	11.85%	8.55%
Baroda BNP Paribas Credit Risk Fund	0.25%	3.1%	8.19%	8.58%	10.13%	8.57%
Bank of India Credit Risk Fund	5.17%	7.99%	11.93%	8.03%	27.54%	2.29%
ICICI Prudential Credit Risk Fund	0.35%	4.1%	9.65%	9.13%	8.03%	8.65%
Aditya Birla Sun Life Credit Risk Fund	0.15%	7.16%	17.44%	12.77%	10.75%	9.48%
SBI Credit Risk Fund	0.19%	2.66%	7.97%	8.66%	7.46%	8.0%

Fund name	Std. deviation	Beta	Sharpe	Sortino
DSP Credit Risk Fund	6.79	1.68	1.26	11.08
Baroda BNP Paribas Credit Risk Fund	0.76	0.94	2.83	4.89
Bank of India Credit Risk Fund	2.78	-4.26	0.59	5.08
ICICI Prudential Credit Risk Fund	0.95	0.88	2.73	6.9
Aditya Birla Sun Life Credit Risk Fund	2.91	-1.99	2.06	8.45
SBI Credit Risk Fund	1.24	1.01	1.8	4.42

Fund name	ETM Rank	AUM	Fund age	Expense ratio
DSP Credit Risk Fund	N.A.	206 Cr	13 yrs 1 m	0.4%
Baroda BNP Paribas Credit Risk Fund	N.A.	185 Cr	11 yrs	0.85%
Bank of India Credit Risk Fund	N.A.	107 Cr	10 yrs 11 m	1.12%
ICICI Prudential Credit Risk Fund	N.A.	5,920 Cr	13 yrs 1 m	0.76%
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,092 Cr	10 yrs 10 m	0.8%
SBI Credit Risk Fund	N.A.	2,175 Cr	13 yrs 1 m	0.89%

View all Credit Risk funds

Key risk & return ratios Compared to other funds in the category

Alpha	11.68 vs. 5.01 Higher outperformance against benchmark
Sharpe	1.26 vs. 4.91 Poor risk-adjusted returns
Beta	1.68 vs. 3.52 Less sensitive to market ups & downs
Standard deviation	6.79 vs. 2.19 More volatile performance

About this fund

About DSP Credit Risk Fund

DSP Credit Risk Fund Direct Plan-Growth is a Credit Risk mutual fund scheme from Dsp Mutual Fund. This fund has been in existence for 13 yrs 1 m, having been launched on 01/01/2013. DSP Credit Risk Fund Direct Plan-Growth has ₹206 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of DSP Credit Risk Fund Direct Plan-Growth as of 02/02/2026 is ₹55.44. The fund has an expense ratio of 0.4%, which is less than what most other Credit Risk funds charge.

DSP Credit Risk Fund Direct Plan-Growth returns of last 1-year are 20.53%. Since launch, it has delivered 8.87% average annual returns. The fund has doubled the money invested in it every 9 yrs.
DSP Credit Risk Fund Direct Plan-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is high.
The fund's credit profile is low indicating it has lent to borrowers whose quality is not too great. Most funds in this category lend to similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in GOI, Roadstar Infra Investment Trust, Nirma Ltd., Aditya Birla Renewables Ltd., Aadhar Housing Finance Ltd.

...

Fund AUM	206 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Vivekanand Ramakrishnan

Mr. 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.

Shalini Vasanta

Mr. Vasanta has done BA and MBA (Finance) Prior to joining DSP Mutual Fund, he has worked with ICRA as Senior Analyst

Investment objective

The scheme seeks to generate returns commensurate with risk from a portfolio constituted of money market securities and debt securities.

DSP Mutual Fund details

No. of schemes	54 view all schemes
Total AUM	2,24,669 Cr as on Dec 31, 2025
Address	NATRAJ, Office No. 302-3rd Floor-Plot No. 194, MV Road Junction Western Express Highway, Andheri East Mumbai, 400069
Phone	1800-208-4499 / 1800-200-4499

More funds from DSP Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
DSP Income Plus Arbitrage Omni FoF	N.A.	1,982 Cr	3.97%	9.07%
DSP Floater Fund	N.A.	449 Cr	7.03%	8.28%
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund	N.A.	323 Cr	6.09%	7.99%
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund	N.A.	2,034 Cr	7.73%	7.84%
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund	N.A.	88 Cr	7.57%	7.81%
DSP Short-term Fund	N.A.	3,906 Cr	7.05%	7.59%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of DSP Credit Risk Fund Direct Plan-Growth?

The current Net Asset Value (NAV) of the DSP Credit Risk Fund - Direct Growth plan is approximately ₹55.4396 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The DSP Credit Risk Fund Direct Plan-Growth is a 13 yrs 1 m old fund and has delivered average annual returns of 8.87% since inception.

DSP Credit Risk Fund Direct Plan-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
20.54%	15.18%	11.85%	8.55%	8.87%

How much does this mutual fund charge as expense ratio?

The DSP Credit Risk Fund - Direct Growth has an expense ratio of 0.4%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The DSP Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately 206 Cr as on Dec 31, 2025.

To whom does DSP Credit Risk Fund lend to?

The top 3 debt holdings of DSP Credit Risk Fund are as follows

Holding Name	Percentage of Portfolio
GOI	24.53%
Nirma Ltd.	7.83%
Aditya Birla Renewables Ltd.	7.54%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The DSP Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	53.49%
SOV	24.53%
AAA	5.08%

What is risk level of DSP Credit Risk Fund?

This is a Credit Risk fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in DSP Credit Risk Fund Direct Plan-Growth?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for DSP Credit Risk Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the DSP Credit Risk Fund is complete.

How can I redeem my investments in DSP Credit Risk Fund?

Redeeming your investments in the DSP Credit Risk Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Credit Risk

#NA

Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 10 Years.
Expense Ratio: This fund has the 2nd lowest expense ratio amongst actively/passively managed Credit Risk funds.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 3%, if redeemed within 12 months.