DSP Credit Risk Fund-Growth

Q: What are the returns of DSP Credit Risk Fund?

The DSP Credit Risk Fund is a 22 yrs 3 m old fund and has delivered average annual returns of 7.47% since inception. DSP Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 21.85% 14.55% 11.37% 7.97% 7.47%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹49.9485+0.06% 1 day change	7.47% p.a.	App exclusive #NA View Ranked Funds	₹210 Cr

Historical NAV & returns

NAV: ₹49.9485 as on Sep 03, 2025

This fund Category average

DSP Credit Risk Fund overview

Expense ratio	1.2% as on Aug 31, 2025
Plan type	Regular
Exit load	1.0% Exit load of 1% if units in excess of 10% are redeemed within 12 months!
AUM (Fund size)	₹210 Cr
Lock-in Period	Nil
Age	22 yrs 3 m since May 12, 2003
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
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 May 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 50.4%

Cash & Call Money 15.66%

SOV 15.04%

AAA 4.81%

Top Debt Holdings

GOI 15.04%

Aditya Birla Renewables Ltd. 7.73%

Tata Housing Devp. Co. Ltd 7.43%

Nirma Ltd. 7.37%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 16.26%

Roadstar Infra Investment Trust 8.97%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
DSP Credit Risk Fund	N.A.	210 Cr	22 yrs 3 m	1.2%
Bank of India Credit Risk Fund	N.A.	110 Cr	10 yrs 7 m	1.52%
Baroda BNP Paribas Credit Risk Fund	N.A.	178 Cr	10 yrs 8 m	1.61%
Aditya Birla Sun Life Credit Risk Fund	N.A.	985 Cr	10 yrs 5 m	1.54%
SBI Credit Risk Fund	N.A.	2,245 Cr	21 yrs 2 m	1.55%
ICICI Prudential Credit Risk Fund	N.A.	6,135 Cr	14 yrs 9 m	1.4%

Fund name	1M	6M	1Y	3Y	5Y	10Y
DSP Credit Risk Fund	-0.02%	12.4%	21.85%	14.55%	11.37%	7.97%
Bank of India Credit Risk Fund	0.29%	3.31%	6.03%	5.71%	25.86%	1.67%
Baroda BNP Paribas Credit Risk Fund	0.2%	4.44%	8.2%	7.72%	9.63%	7.73%
Aditya Birla Sun Life Credit Risk Fund	0.15%	5.37%	15.96%	10.31%	9.2%	8.17%
SBI Credit Risk Fund	0.06%	4.49%	8.14%	7.94%	6.92%	7.36%
ICICI Prudential Credit Risk Fund	0.31%	4.9%	8.58%	7.9%	7.27%	7.8%

Fund name	Std. deviation	Beta	Sharpe	Sortino
DSP Credit Risk Fund	6.8	2.9	1.11	9.06
Bank of India Credit Risk Fund	0.76	0.87	-0.98	-2.29
Baroda BNP Paribas Credit Risk Fund	0.72	1.61	1.62	3.48
Aditya Birla Sun Life Credit Risk Fund	2.51	2.18	1.42	5.95
SBI Credit Risk Fund	1.23	1.95	1.1	3.06
ICICI Prudential Credit Risk Fund	0.98	2.35	1.33	2.67

View all Credit Risk funds

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

Alpha	12.9 vs. 4.87 Higher outperformance against benchmark
Sharpe	1.11 vs. 5.31 Poor risk-adjusted returns
Beta	2.9 vs. 2.29 More sensitive to market's ups & downs
Standard deviation	6.8 vs. 2.02 More volatile performance

Compare DSP Credit Risk Fund in detail with

About this fund

About DSP Credit Risk Fund

DSP Credit Risk Fund-Growth is a Credit Risk mutual fund scheme from Dsp Mutual Fund. This fund has been in existence for 22 yrs 3 m, having been launched on 12/05/2003. DSP Credit Risk Fund-Growth has ₹210 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of DSP Credit Risk Fund-Growth as of 03/09/2025 is ₹49.95. The fund has an expense ratio of 1.2%, which is higher than what most other Credit Risk funds charge.

DSP Credit Risk Fund-Growth returns of last 1-year are 21.88%. Since launch, it has delivered 7.47% average annual returns. The fund has doubled the money invested in it every 10 yrs.
DSP Credit Risk Fund-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 better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Roadstar Infra Investment Trust, Aditya Birla Renewables Ltd., Tata Housing Devp. Co. Ltd, Nirma Ltd..

...

Fund AUM	210 Cr as on May 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	1,98,256 Cr as on Jun 30, 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.	684 Cr	7.28%	10.72%
DSP 10Y G-Sec Fund	N.A.	60 Cr	7.38%	7.59%
DSP Bond Fund	N.A.	312 Cr	8.23%	7.37%
DSP Banking & PSU Debt Fund	N.A.	4,104 Cr	7.3%	7.22%
DSP Savings Fund	N.A.	4,517 Cr	7.36%	7.15%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of DSP Credit Risk Fund?

The current Net Asset Value (NAV) of the DSP Credit Risk Fund - Direct Growth plan is approximately ₹49.9485 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The DSP Credit Risk Fund is a 22 yrs 3 m old fund and has delivered average annual returns of 7.47% since inception.

DSP Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
21.85%	14.55%	11.37%	7.97%	7.47%

How much does this mutual fund charge as expense ratio?

The DSP Credit Risk Fund - Direct Growth has an expense ratio of 1.2%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

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 210 Cr as on May 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	15.04%
Aditya Birla Renewables Ltd.	7.73%
Tata Housing Devp. Co. Ltd	7.43%

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	50.4%
Cash & Call Money	15.66%
SOV	15.04%

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?

DSP Credit Risk Fund-Growth is the regular plan of the fund. For this plan of you pay 1.2% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.4%. That's 0.7999999999999999% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.7999999999999999% if you opt for direct plan of DSP Credit Risk Fund

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

Redeeming your investments in DSP Credit Risk Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in DSP Credit Risk Fund 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.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 1% if units in excess of 10% are redeemed within 12 months