DSP Credit Risk Fund
NAV
₹60.96
as of 6 Oct 2026
DSP Credit Risk Fund is an open-ended Credit Risk Fund scheme from DSP Mutual Fund managing ₹310 crore (as of 31 Aug 2026). Its Direct-plan NAV is ₹60.96 as of 6 Oct 2026. The expense ratio is 0.44% a year. Managed by Vivek Ramakrishnan. This page is factual data only – it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.44% / yr
- as of 31 Aug 2026
- Fund size
- ₹310 crore
- as of 31 Aug 2026
- Exit load
- 3%
- SIP available
- Yes
- Launched
- 13 May 2003
- ISIN
- INF740K01OS4
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from nyvo’s own NAV data.
Rebased to 100data to 5 Oct 2026
DSP Credit Risk Fund
₹187
+87% on ₹100 over 5.0 yrs
Credit Risk Fund average
₹149
+49% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | 0.93% | – | – |
| 6 months | 9.50% | – | – |
| 1 year | 10.77% | – | – |
| 3 years (CAGR) | 16.76% | – | – |
| 5 years (CAGR) | 13.38% | – | – |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible – read that number first.
1-year holding periods
- Worst
- 4.9%
- Median
- 13.5%
- Best
- 24.1%
49 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 4 Apr 2022. Windows overlap – this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 11.3%
- Median
- 15.6%
- Best
- 17.0%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Oct 2021. Windows overlap – this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 1.30
- Sharpe ratio (5Y)
- 1.07
- Sortino ratio (3Y)
- 12.15 vs category 4.69
- Standard deviation (3Y)
- 7.42%
- Deepest fall (5Y)
- -0.81%
Where the money actually is
Bonds
86.5%
Cash
13.5%
Whole-portfolio split, as of 15 Aug 2026.
What it owns
28 positions · top 10 = 52.9%
Top holdings
- 6.94% Govt Stock 2036matures 11 May 20368.24%
- Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)matures 2 Apr 20277.85%
- Nuvoco Vistas Corporation Limitedmatures 18 Sep 20286.84%
- Aditya Birla Digital Fashion Ventures Limitedmatures 20 Jul 20296.49%
- Adani Airport Holdings Limitedmatures 12 Feb 20296.48%
- Treps / Reverse Repo Investments5.76%
- Aditya Birla Renewables Limitedmatures 24 Sep 20275.24%
- Jtpm Metal TRaders Limitedmatures 30 Apr 20305.22%
- Tata Housing Development Company Limitedmatures 8 Dec 20285.04%
- GMR Airports Limitedmatures 13 Feb 20273.48%
Holdings as of 31 Aug 2026. Portfolio turnover 212.4% a year.
Exposure figures are gross: funds that use derivatives (arbitrage, hedged books) hold offsetting positions, so concentration and turnover can read above 100%.
The debt it holds
- Yield to maturity
- 8.21% vs category 7.92%
- Modified duration
- 2.24 yrs vs category 2.02 yrs
- Average maturity
- 2.41 yrs vs category 2.71 yrs
- Average coupon
- 8.02%
- Government securities
- 14.8%
Credit quality
- AAA
- 25.8%
- AA
- 70.5%
- A
- 3.7%
Government securities are counted inside AAA by the data provider’s ladder; the sovereign share is listed separately above. Credit quality as of 31 Jul 2026.
Portfolio characteristics as of 15 Aug 2026. Yield to maturity is what the portfolio would return if every holding were held to maturity and paid in full. It is not a forecast of the fund’s return, and it is quoted before expenses.
Money in, money out
- Net flow, 12 months
- +₹79 cr
- Net flow, 3 months
- +₹47 cr
as of 31 Aug 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of DSP Credit Risk Fund?
- ₹60.96 per unit as of 6 Oct 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of DSP Credit Risk Fund?
- 0.44% a year for the Direct plan, as of 31 Aug 2026.
- How large is DSP Credit Risk Fund?
- ₹310 crore under management as of 31 Aug 2026, in the Credit Risk Fund category.
- How risky is DSP Credit Risk Fund?
- Its SEBI Riskometer reading is "Moderate Risk". Lending to companies and banks for extra yield over government paper.
- What are the 5-year returns of DSP Credit Risk Fund?
- 13.38% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.
- What is the worst 3-year return of DSP Credit Risk Fund?
- 11.3% a year – the weakest of 25 overlapping 3-year holding periods, beginning 1 Oct 2021. The median was 15.6% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages DSP Credit Risk Fund?
- Vivek Ramakrishnan, managing this fund for 5.1 years.
Where this fund sits
Its shelf, all funds
Cb · Corporate & credit →
Lending to companies and banks for extra yield over government paper.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund – growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Credit Risk Fund funds
Data: nyvo research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.