DSP Credit Risk Fund
DSP Mutual Fund · Credit Risk · Direct plan, growth option
NAV (₹), 2 Oct 2026
60.8719
1-day change
-0.02%
1Y return
10.8%
3Y CAGR
16.7%
5Y CAGR
13.4%
Max drawdown, 5Y
−1.8%
NAV history month-end NAV, ₹ · 2 Jan 2013 to 1 Oct 2026
Returns vs Credit Risk median (13 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.3% | 0.2% |
| 3 months | 1.0% | 1.2% |
| 6 months | 9.8% | 4.4% |
| Year to date | 9.3% | 5.7% |
| 1 year | 10.8% | 7.5% |
| 3 years (CAGR) | 16.7% | 8.8% |
| 5 years (CAGR) | 13.4% | 7.8% |
| 7 years (CAGR) | 11.0% | 8.0% |
| 10 years (CAGR) | 8.7% | 7.7% |
| Since first NAV (CAGR) | 9.2% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.1% | 8.6% |
| 3Y rolling median | 8.7% | 8.2% |
| 3Y rolling worst | 2.2% | 5.2% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.0% | 7.1% |
| 5Y rolling worst | 3.6% | 6.1% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 6.2% | 1.3% |
| Sharpe ratio | 1.15 | 1.15 |
| Sortino ratio | 7.54 | 3.62 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −6.0% | −3.9% |
| Maximum drawdown, last 10Y | −6.0% | −3.9% |
| Maximum drawdown, last 5Y | −1.8% | −1.0% |
| Current drawdown | −0.1% | −0.1% |
| Recovery time of worst fall | 402 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 9.3% | n/a | – |
| 2025 | 22.0% | n/a | – |
| 2024 | 8.6% | n/a | – |
| 2023 | 16.6% | n/a | – |
| 2022 | 10.1% | n/a | – |
| 2021 | 3.7% | n/a | – |
| 2020 | 5.6% | n/a | – |
| 2019 | 5.3% | n/a | – |
| 2018 | -2.0% | n/a | – |
| 2017 | 7.1% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,27,783 | 12.2% |
| 3 years | ₹3,60,000 | ₹4,47,183 | 14.6% |
| 5 years | ₹6,00,000 | ₹8,61,781 | 14.5% |
| 10 years | ₹12,00,000 | ₹21,00,363 | 10.8% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: DSP Mutual Fund
Category: Credit Risk
Plan / option: Direct · Growth
AMFI scheme code: 119082
ISIN: INF740K01OS4
First NAV in MFIC data: 2 Jan 2013
History: 13.7 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Invesco India Credit Risk Fund | Credit Risk | 0.52 | 9.5% |
| BANK OF INDIA CREDIT RISK FUND | Credit Risk | 0.41 | 10.1% |
| DSP Ultra Short Term Fund | Ultra Short Duration | 0.40 | 7.4% |
| Kotak Long Term Fund | Long Duration | 0.40 | n/a |
| BANDHAN LONG TERM FUND | Long Duration | 0.38 | n/a |
| BANK OF INDIA SHORT TERM FUND | Short Duration | 0.38 | 7.6% |
Questions about DSP Credit Risk Fund
- What is the latest NAV of DSP Credit Risk Fund?
- The NAV of the Direct plan (growth option) was ₹60.8719 on 2 Oct 2026, as published by AMFI.
- Which category is DSP Credit Risk Fund in?
- It is classified as Credit Risk in AMFI's daily NAV file. MFIC compares it with 13 Credit Risk schemes (Direct plans).
- What returns has DSP Credit Risk Fund delivered?
- Over one year the NAV changed by 10.8%. The 3-year CAGR is 16.7% (category median 8.8%) and the 5-year CAGR is 13.4% (category median 7.8%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 8.7%, the lowest was 2.2%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in DSP Credit Risk Fund's NAV?
- The largest peak-to-trough fall in its available history was 6.0%; within the last five years it was 1.8% (category median 1.0%).
- How volatile is DSP Credit Risk Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 6.2%, which is above the Credit Risk category median of 1.3%.
- What would a monthly SIP in DSP Credit Risk Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹8,61,781 on 2 Oct 2026, an annualised return (XIRR) of 14.5%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 10.8% and the Regular plan's by 10.0%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.