Sharpe ratio
0.61Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+10.59%1Y Absolute Return
-0.04%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| DSP Credit Risk Fund - Direct Plan - GrowthFund 5Y annualised return | ₹10,21,676 | ₹7,32,612 | ₹2,89,064 | +13.43% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age13.9 yrs
Fund information
Scheme code119082
ISININF740K01OS4
BenchmarkCRISIL Credit Risk Debt B-II Index
CategoryDebt Scheme - Credit Risk Fund
Expense ratio0.46%
Exit loadExit load of 3%, if redeemed within 12 months.
Minimum SIP₹100 SIP
Return comparison
5th / 86 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.84% | — | — |
| 3M | +2.91% | — | — |
| 6M | +8.23% | — | — |
| 1Y | +10.59% | — | +4.07% |
| 3Y | +13.76% | — | +5.67% |
| 5Y | +13.43% | — | +5.54% |
| 10Y | +8.62% | — | — |
| Since Launch | +9.14% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.58Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
6.20%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
1.53How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt93.93%
Cash6.07%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 24 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 9.3% |
| KOTAK MAHINDRA BANK LIMITED CD 04FEB27 | Financial | Certificate of Deposit | 8.73% |
| Reverse Repo | Unspecified | Reverse Repo | 8.26% |
| JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC | Materials | Debenture | 5.84% |
| ADITYA BIRLA RENEWABLES LIMITED 8.6 NCD 24SP27 FVRS1LAC | Energy & Utilities | Bonds/NCDs | 5.82% |
| NUVOCO VISTAS CORPORATION LIMITED 7.7 NCD 18SP28 FVRS1LAC | Materials | Debenture | 5.75% |
| TATA HOUSING DEVELOPMENT COMPANY LIMITED SR I 7.51 NCD 08DC28 FVRS1LAC | Industrials | Debenture | 5.64% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25C 7.44 BD 24FB28 FVRS1LAC | Financial | Bonds | 5.61% |
| ADANI AIRPORT HOLDINGS LIMITED 8.45 NCD 12FB29 FVRS1LAC | Industrials | Bonds/Debentures | 5.44% |
| NUVAMA WEALTH FINANCE LIMITED SR F7H502A 9 NCD 11JU27 FVRS1LAC | Financial | Non Convertible Debenture | 3.94% |
Fund management
VI
Vivekanand Ramakrishnan
Since 2021 · Prior to joining DSP Investment Managers. He has worked with ICICI Prudential Mutual Fund, Standard Chartered Bank, Vikram Ispat as Marketing Executive and with CRISIL as manager-rating.
Mr. Ramakrishnan is a B.Tech from IIT Madras, MS and PHD from University of Southern California.
KU
Kunal Khudania
Since 2025 · Prior to joing the DSP MF, he was associated with Mirae Asset Investment Managers India Private Ltd, Futures First Info Services Private Ltd,
Chartered Accountant B.Com (Honors)
SH
Shalini Vasanta
Since 2024 · Prior to joining DSP Mutual Fund, he has worked with ICRA as Senior Analyst
Mr. Vasanta has done BA and MBA (Finance)
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Summary
A moderately high-risk debt scheme - credit risk fund. Same fund manager for 5+ years — the strategy has not chopped and changed. Top 10 holdings make up 64% — a handful of stocks can swing returns sharply.
Strengths
- Same fund manager for 5+ years — the strategy has not chopped and changed.
- Ranks 5 of 86 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 64% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderately high risk level.
Risk drivers
- Top 10 holdings = 64% of the portfolio.