DSP Credit Risk Fund Direct Growth

DSP Credit Risk Fund Direct Growth

Debt

DSP Mutual Fund

Credit Risk

Get the latest NAV of DSP Credit Risk Fund Direct Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹53.21

NAV as on 09 May 2025

9.07%/per year

Since Inception

Absolute Gain%

▲▼

2 people have invested ₹ 1.1K in DSP Credit Risk Fund Direct Growth in the last three months

Fund Performance

as on (09-May-25)

Period
This Fund
Credit Risk Index
1 Month
0.66%
1.51%
3 Months
15.64%
4.58%
6 Months
17.87%
6.38%
1 Year
23.09%
11.19%
3 Years
15.2%
8.66%
5 Years
12.26%
9.72%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
DSP Credit Risk Fund
-
207Cr
0.4%
23.09%
15.2%
9.07%
Nippon India Credit Risk Fund Direct Growth
1/7
1,000Cr
0.7%
10.05%
8.73%
7.52%
ICICI Prudential Credit Risk Fund Direct Growth
2/7
6,133Cr
0.77%
10.03%
8.61%
8.96%
SBI Credit Risk Fund Direct Growth
4/7
2,248Cr
0.89%
9.56%
8.52%
8.68%
See all

DSP Credit Risk Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
▲
▼

DSP Credit Risk Fund Asset Allocation

as on (31-Dec-69)

Fund Distribution

as on (31-Dec-69)

Debt & Cash 90.3%

AA
71.6%
AAA
28.4%
Cash allocation has gone down from 7.1% to 1.1%
Cash allocation has gone down from 7.1% to 1.1%
Debt allocation has gone down from 92.6% to 89.2%
Debt allocation has gone down from 92.6% to 89.2%

DSP Credit Risk Fund Sector Allocation

as on (31-Dec-69)

Sector Allocation

Debt & Cash 90.3%

Corporate
73%
Government
22.2%
Cash Equivalent
4.8%

Top 3 Sectors in March were Financial Services, Corporate & Government

Mar'25

Financial Services

100%

Corporate

75%

Government

22%

Feb'25

Financial Services

100%

Corporate

74%

Government

19%

DSP Credit Risk Fund Holdings Details

as on (30-Apr-25)

Debt & Cash

Holdings
Weight%
1M Change
6.79% Govt Stock 2034
12.43%
150%
Aditya Birla Renewables Limited
7.69%
0%
Nuvoco Vistas Corporation Limited
7.62%
0%
Tata Housing Development Co Ltd.
7.46%
0%
Nirma Limited
7.39%
0%
See all

DSP Credit Risk Fund Direct Growth Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.4%
Benchmark
CRISIL Credit Risk Debt B-II TR INR
AUM₹207 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP--/--
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
363.76%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderately High risk

About DSP Credit Risk Fund

DSP Credit Risk Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Vivek Ramakrishnan. This fund is suitable to keep your money safe.

Key Parameters

  1. DSP Credit Risk Fund Direct Growth has ₹207 Cr worth of assets under management (AUM) as on Dec 1969 and is less than category average.
  2. The fund has an expense ratio 0.4.

Returns

DSP Credit Risk Fund Direct Growth has given a CAGR return of 9.07% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 23.09%, 15.20% and 12.26% respectively.

Holdings

DSP Credit Risk Fund Direct Growth has allocated its funds majorly in Financial Services, Corporate, Government, Cash Equivalent. Its top holdings are 6.79% Govt Stock 2034, Aditya Birla Renewables Limited, Nuvoco Vistas Corporation Limited, Tata Housing Development Co Ltd., Nirma Limited

Taxation

As it is a credit risk mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of DSP Credit Risk Fund Direct Growth

An Open ended income Scheme, seeking to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 500.00. DSP Credit Risk Fund Direct Growth has no lock in period.

Fund Manager

Vivek Ramakrishnan

Fund Manager of DSP Credit Risk Fund Direct Growth, since 17 July 2021

Learn more about DSP Mutual Fund
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 207 Cr
₹ 191.6 Cr
₹ 189.7 Cr
  • AUM of the fund stands at 207 Cr as of Mar'25
  • AUM increased by 15.4 Cr between Mar'25 and Feb'25

Frequently Asked Questions for DSP Credit Risk Fund Direct Growth

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

The current NAV of DSP Credit Risk Fund Direct Growth is ₹53.21 as on 09-May-2025.

What are the average returns of DSP Credit Risk Fund Direct Growth?

Existing (Absolute + CAGR) as on 09-May-2025.
DSP Credit Risk Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
0.66%
0.66%
6 Month Returns
17.87%
17.87%
1 Year Returns
23.09%
23.09%
3 Years Returns
52.87%
15.2%

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

With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.

What is the expense ratio of DSP Credit Risk Fund Direct Growth?

0.4% as on April 2025

What is net assets under management (AUM) of DSP Credit Risk Fund Direct Growth?

₹207 Cr as on April 2025

What are the top 5 holdings of DSP Credit Risk Fund Direct Growth?

6.79% Govt Stock 2034(12.43%), Aditya Birla Renewables Limited(7.69%), Nuvoco Vistas Corporation Limited(7.62%), Tata Housing Development Co Ltd.(7.46%), Nirma Limited(7.39%) as on April 2025

What are the top 3 sectors that this DSP Credit Risk Fund Direct Growth has invested in?

Corporate(74.87%), Government(21.77%), Cash Equivalent(3.36%) as on April 2025

What is the yield to maturity ratio of DSP Credit Risk Fund Direct Growth?

Yield to Maturity is 7.81 as on April 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.

What is the modified duration of DSP Credit Risk Fund Direct Growth?

Modified Duration is 2.19 as on April 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.

What is the credit rating breakup of DSP Credit Risk Fund Direct Growth?

AA
71.56
AAA
28.44

Who is the manager of DSP Credit Risk Fund Direct Growth?

Vivek Ramakrishnan is the fund manager of DSP Credit Risk Fund Direct Growth

What is the exit load of DSP Credit Risk Fund Direct Growth?

The Exit load of DSP Credit Risk Fund Direct Growth is 1%