Dsp Credit Risk Fund Overview
Category Credit Risk Fund
BMSMONEY Rank 2
Rating
Growth Option 09-05-2025
NAV ₹48.81(R) +0.01% ₹53.21(D) +0.01%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 22.16% 14.29% 11.34% 7.96% 8.04%
Direct 23.09% 15.2% 12.24% 8.82% 8.84%
Benchmark
SIP (XIRR) Regular 30.47% 16.6% 13.82% 11.42% 9.35%
Direct 31.46% 17.5% 14.71% 12.28% 10.16%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.93 2.02 1.25 8.1% 0.11
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
6.86% -0.45% -0.79% 0.6 2.17%

NAV Date: 09-05-2025

Scheme Name NAV Rupee Change Percent Change
DSP Credit Risk Fund - Regular Plan - IDCW - Daily 11.11
0.0000
0.0100%
DSP Credit Risk Fund - Direct Plan - IDCW - Daily 11.11
0.0000
0.0100%
DSP Credit Risk Fund - Regular Plan - IDCW - Weekly 11.12
0.0000
0.0100%
DSP Credit Risk Fund - Direct Plan - IDCW - Weekly 11.12
0.0000
0.0100%
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly 11.19
0.0000
0.0100%
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly 11.25
0.0000
0.0100%
DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly 11.41
0.0000
0.0100%
DSP Credit Risk Fund - Direct Plan - IDCW - Quarterly 11.54
0.0000
0.0100%
DSP Credit Risk Fund - Regular Plan - IDCW 11.73
0.0000
0.0100%
DSP Credit Risk Fund - Direct Plan - IDCW 11.79
0.0000
0.0100%
DSP Credit Risk Fund - Regular Plan -Growth 48.81
0.0000
0.0100%
DSP Credit Risk Fund - Direct Plan - Growth 53.21
0.0100
0.0100%

Review Date: 09-05-2025

Beginning of Analysis

Dsp Credit Risk Fund is the second ranked fund in the Credit Risk Fund category. The category has total 13 funds. The 5 star rating shows an excellent past performance of the Dsp Credit Risk Fund in Credit Risk Fund. The fund has a Jensen Alpha of 8.1% which is higher than the category average of 2.56%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.93 which is higher than the category average of 0.03.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Credit Risk Mutual Funds are designed for investors seeking higher returns by taking on higher credit risk. While they offer the potential for attractive yields, they come with significant risks, including the possibility of default and higher volatility. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, it is crucial to choose funds managed by experienced fund managers with a proven track record in managing credit risk.

Dsp Credit Risk Fund Return Analysis

  • The fund has given a return of 0.66%, 15.63 and 17.82 in last one, three and six months respectively. In the same period the category average return was 1.56%, 4.93% and 6.79% respectively.
  • Dsp Credit Risk Fund has given a return of 23.09% in last one year. In the same period the Credit Risk Fund category average return was 11.93%.
  • The fund has given a return of 15.2% in last three years and ranked 1.0st out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 9.05%.
  • The fund has given a return of 12.24% in last five years and ranked 2nd out of 13 funds in the category. In the same period the Credit Risk Fund category average return was 10.32%.
  • The fund has given a return of 8.84% in last ten years and ranked 2nd out of 12 funds in the category. In the same period the category average return was 7.34%.
  • The fund has given a SIP return of 31.46% in last one year whereas category average SIP return is 13.84%. The fund one year return rank in the category is 2nd in 14 funds
  • The fund has SIP return of 17.5% in last three years and ranks 1st in 13 funds. The fund has given the highest SIP return in the category in last three years.
  • The fund has SIP return of 14.71% in last five years whereas category average SIP return is 9.8%.

Dsp Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 6.86 and semi deviation of 2.17. The category average standard deviation is 1.86 and semi deviation is 1.04.
  • The fund has a Value at Risk (VaR) of -0.45 and a maximum drawdown of -0.79. The category average VaR is -0.22 and the maximum drawdown is -0.75. The fund has a beta of 0.6 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Credit Risk Fund Category
  • Good Performance in Credit Risk Fund Category
  • Poor Performance in Credit Risk Fund Category
  • Very Poor Performance in Credit Risk Fund Category

  • Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Dsp Credit Risk Fund NAV Regular Growth Dsp Credit Risk Fund NAV Direct Growth
    09-05-2025 48.8077 53.2149
    08-05-2025 48.8041 53.2099
    07-05-2025 48.8483 53.257
    06-05-2025 48.8379 53.2446
    02-05-2025 48.8034 53.2028
    30-04-2025 48.781 53.1764
    28-04-2025 48.7384 53.1279
    25-04-2025 48.7368 53.1229
    24-04-2025 48.7643 53.1518
    23-04-2025 48.7473 53.1323
    22-04-2025 48.7366 53.1195
    21-04-2025 48.7227 53.1033
    17-04-2025 48.6443 53.0136
    16-04-2025 48.6169 52.9827
    15-04-2025 48.5911 52.9536
    11-04-2025 48.543 52.8968
    09-04-2025 48.5146 52.8637

    Fund Launch Date: 12/May/2003
    Fund Category: Credit Risk Fund
    Investment Objective: An Open ended income Scheme, seeking to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities.
    Fund Description: An open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds).
    Fund Benchmark: 50% of CRISIL Short Term Bond Fund Index + 50% of CRISIL Composite Bond Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.