DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl

DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl

Debt

DSP Mutual Fund

Credit Risk

Get the latest NAV of DSP Credit Risk Fund Regular Reinvestment 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.

₹11.97

NAV as on 11 Jul 2025

7.18%/per year

Since Inception

Absolute Gain%

▲▼

Fund Performance

as on (11-Jul-25)

Period
This Fund
Credit Risk Index
1 Month
0.49%
0.42%
3 Months
2.62%
3.04%
6 Months
10%
6.82%
1 Year
13.47%
11.27%
3 Years
17.97%
8.87%
5 Years
13.35%
9.57%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl
-
209Cr
1.12%
13.47%
17.97%
7.18%
Nippon India Credit Risk Fund Payout Inc Dist cum Cap Wdrl Direct Growth
-
980Cr
1.47%
8.36%
6.75%
6.13%
HDFC Credit Risk Debt Fund Regular Normal Payout Inc Dist cum Cap Wdrl Opt
-
7,286Cr
1.59%
7.84%
6.27%
7.71%
HDFC Credit Risk Debt Fund Quarterly Payout Inc Dist cum Cap Wdrl Opt Direct Growth
-
7,286Cr
1.59%
4.16%
5%
6.44%
See all

DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl Returns Calculator

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DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl Asset Allocation

See fund asset allocation details as on (14-Jun-25)

Fund Distribution

as on (14-Jun-25)

Debt & Cash 90.7%

AA
73.6%
AAA
26.4%
Cash allocation has gone up from 6.2% to 21.1%
Cash allocation has gone up from 6.2% to 21.1%
Debt allocation has gone down from 84.1% to 69.7%
Debt allocation has gone down from 84.1% to 69.7%

DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl Sector Allocation

See fund sector allocation details as on (14-Jun-25)

Sector Allocation

Debt & Cash 90.7%

Corporate
76.2%
Government
21.8%
Cash Equivalent
2%

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

May'25

Financial Services

100%

Corporate

60%

Government

16%

Apr'25

Financial Services

100%

Corporate

76%

Government

17%

DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl Overview

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

Expense ratio1.12%
Benchmark
CRISIL Credit Risk Debt B-II TR INR
AUM₹209 Cr
Inception Date13 May, 2003
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 Regular Reinvestment of Income Dist cum Cap Wdrl

DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl is a debt fund. This fund was started on 13 May, 2003. The fund is managed by Vivek Ramakrishnan. This fund is suitable to keep your money safe.

Key Parameters

  1. DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl has ₹209 Cr worth of assets under management (AUM) as on Jun 2025 and is more than category average.
  2. The fund has an expense ratio 1.1.

Returns

DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl has given a CAGR return of 7.18% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 13.47%, 17.97% and 13.35% respectively.

Holdings

DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl has allocated its funds majorly in Financial Services, Corporate, Government, Cash Equivalent. Its top holdings are Aditya Birla Renewables Limited, Tata Housing Development Company Limited, 6.79% Govt Stock 2034, Nirma Limited, JSW Steel 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 Regular Reinvestment 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 Regular Reinvestment of Income Dist cum Cap Wdrl has no lock in period.

Fund Manager

Vivek Ramakrishnan

Fund Manager of DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl, since 17 July 2021

Learn more about DSP Mutual Fund
Parameters
May'25
Apr'25
Mar'25
AUM
₹ 209.5 Cr
₹ 207.3 Cr
₹ 207 Cr
  • AUM of the fund stands at 209.5 Cr as of May'25
  • AUM increased by 2.2 Cr between May'25 and Apr'25

Frequently Asked Questions for DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl

How do I invest in DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl?

INDmoney makes it simple to invest in the DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘DSP Credit Risk Fund Regular Reinvestment 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 Regular Reinvestment of Income Dist cum Cap Wdrl?

The NAV of the fund today is ₹11.97. 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 Regular Reinvestment of Income Dist cum Cap Wdrl fund has generated a return of 13.47% in 1 year, 17.97% in 3 years, 13.35% in 5 years.

Who is the fund manager of DSP Credit Risk Fund Regular Reinvestment of Income Dist cum Cap Wdrl?

The fund managers are Vivek Ramakrishnan.

What is the exit load of the fund?

The exit load is 1% 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 1.12%. 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 ₹209 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 Regular Reinvestment of Income Dist cum Cap Wdrl?

The top 3 holdings of the fund are Aditya Birla Renewables Limited(7.81%), Tata Housing Development Company Limited(7.5%), 6.79% Govt Stock 2034(7.49%)