DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl

DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl

Debt

DSP Mutual Fund

Credit Risk

Get the latest NAV of DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl. 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.

₹12.34

NAV as on 13 Mar 2026

7.37%/per year

Since Inception

Absolute Gain%

▲▼

1 people have invested ₹ 5K in DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl in the last three months

DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl Performance vs. Credit Risk Index

Fund returns vs Benchmark returns vs Category Average returns as on (13-Mar-26)

The fund has outperformed the benchmark (Credit Risk Index) over 3Y, 5Y, but underperformed over 1Y.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
1.02%
0.38%
1.79%
3.26%
12.85%
10.47%
Credit Risk Index
0.21%
1.68%
3.24%
8.42%
7.82%
9.07%
Credit Risk Avg
0.21%
1.68%
3.4%
9%
8.99%
9.45%
Best in Credit Risk
1.02%
6.15%
8.14%
20.7%
15.17%
27.55%
Worst in Credit Risk
-0.05%
0.38%
1.79%
6.54%
7.34%
6.51%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl
-
225Cr
0.4%
3.26%
12.85%
4.81
1.93
0.35
0.62
0.19
Bandhan Credit Risk Fund Periodic Payout of Income Distribution cum Capital Wdrl Opt
-
290Cr
0.69%
7.23%
-
--
--
--
--
--
Invesco India Credit Risk Fund Discretionary Reinvestment of Income Distr cum Capital Wtdrwl
-
142Cr
0.28%
8.35%
8.37%
1.90
--
--
2.88
0.85
HDFC Credit Risk Debt Fund Normal Reinvestment Inc Dist cum Cap Wdrl Opt
-
7,286Cr
1%
8.49%
6.93%
0.54
--
--
0.73
1.41
See all

DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl Asset Allocation

See fund asset allocation details as on (14-Mar-26)

Fund Distribution

as on (14-Mar-26)

AA
60.7%
AAA
33.5%
A
5.8%
Cash allocation has gone down from 29.3% to 24.2%
Cash allocation has gone down from 29.3% to 24.2%
Debt allocation has gone up from 61.8% to 68.6%
Debt allocation has gone up from 61.8% to 68.6%

DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl Sector Allocation

See fund sector allocation details as on (14-Mar-26)

Sector Allocation

Corporate
65.1%
Government
24.1%
Cash Equivalent
10.8%

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

Feb'26

Financial Services

100%

Corporate

46%

Government

26%

Jan'26

Financial Services

100%

Corporate

41%

Government

25%

DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl 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₹225 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹100/₹100
Exit Load
3.0%
Lock InNo Lock-in
TurnOver
212.43%
Risk
Risk meter
pointer
Moderately High risk

About DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl

DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Vivek Ramakrishnan, Kunal Khudania, Shalini Vasanta. This fund is suitable to keep your money safe.

Key Parameters

  1. DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl has ₹225 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
  2. The fund has an expense ratio 0.4.

Returns

DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl has given a CAGR return of 7.37% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 3.26%, 12.85% and 10.47% respectively.

Holdings

DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl has allocated its funds majorly in Financial Services, Corporate, Cash Equivalent, Government. Its top holdings are 6.48% Gs 2035, Aditya Birla Renewables Limited, National Bank For Agriculture And Rural Development, Nirma Limited, TATA Projects 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 Plan Payout of Income Dist cum Cap Wdrl

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 100.00. DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl has no lock in period.

Fund Manager

Vivek Ramakrishnan

Fund Manager of DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl, since 17 July 2021

Kunal Khudania

Fund Manager of DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl, since 1 January 2026

Shalini Vasanta

Fund Manager of DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl, since 1 January 2025

Learn more about DSP Mutual Fund
Parameters
Feb'26
Jan'26
Dec'25
AUM
₹ 225.4 Cr
₹ 209.4 Cr
₹ 205.8 Cr
  • AUM of the fund stands at 225.4 Cr as of Feb'26
  • AUM increased by 16 Cr between Feb'26 and Jan'26

Frequently Asked Questions for DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl

How do I invest in DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl?

INDmoney makes it simple to invest in the DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl?

The NAV of the fund today is ₹12.34. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl fund has generated a return of 3.26% in 1 year, 12.85% in 3 years, 10.47% in 5 years.

Who is the fund manager of DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl?

The fund managers are Vivek Ramakrishnan, Kunal Khudania, Shalini Vasanta.

What is the exit load of the fund?

The exit load is 3% if redeemed in 0-12 Months. Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.40%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹225 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap Wdrl?

The top 3 holdings of the fund are 6.48% Gs 2035(8.99%), Aditya Birla Renewables Limited(6.95%), National Bank For Agriculture And Rural Development(6.71%)