HealthyDirect · GrowthFit for a long SIP
DSP Corporate Bond Fund
DSP Mutual FundDebt Scheme - Corporate Bond Fund8.1 years
The Scheme seeks to generate regular income and capital appreciation commensurate with risk from a portfolio predominantly investing in corporate debt securities across maturities which are rated AA+ and above, in addition to debt instruments issued by central and state governments and money market securities.
- NAV
- 17.5754
- 29 Oct 2026
- 1Y
- +5.7%
- Trailing CAGR
- AUM
- ₹2,647.22 Cr
- 30 Sept 2026
- Volatility
- Low
- 1.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Pass
8.1 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.29% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
10% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Shantanu Godambe · 1.8 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 48.1% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+5.7%
- 3Y+7.4%
- 5Y+6.1%
- 10Yn/a
- SI+7.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.0%
- 3Y+6.9%
- 5Y+6.9%
- 10Yn/a
- Since inception
- +7.2%
- Calendar-day CAGR
- Excess 1Y
- +1.9%
- Category median, same plan and option
- 3Y win rate
- +10%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +6.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.0%
- 1248 daily-ending windows
- Median rolling 3Y
- +5.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 761 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.2%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +41%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 213 recovered episodes
- Longest recovery
- 127 days
- Trough to prior peak
7 Apr 2022 – 13 Sept 2022
Trough 9 May 2022 · recovered in 127 days
-3.2%
4 Mar 2020 – 27 Mar 2020
Trough 23 Mar 2020 · recovered in 4 days
-2.5%
13 Sept 2022 – 11 Nov 2022
Trough 11 Oct 2022 · recovered in 31 days
-1.1%
2 Apr 2019 – 20 May 2019
Trough 25 Apr 2019 · recovered in 25 days
-0.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
62
Consistency
19
Risk-adjusted
64
Drawdown
92
Mean
68
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 49 holdings · top 10 are 48.1%.
- Top 5
- 29.5%
- Top 10
- 48.1%
- Largest holding
- 7.8%
- Effective holdings
- 29.9
GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100
Entities
7.8%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24E 7.80 BD 15MR27 FVRS1LAC
Financial
5.9%
LIC HOUSING FINANCE LIMITED TR 419 OPT II 6.65 LOA 15FB27 FVRS10LAC
Financial
5.9%
KOTAK MAHINDRA PRIME LIMITED 8.1350 NCD 10FB27 FVRS1LAC
Financial
5.0%
Power Finance Corporation Ltd SR-155 Bonds 7.23 05/01/2027
Financial
5.0%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Corporate Bond Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +3.1%
- 3Y
- +6.7%
- Vol
- 1.4%
- Max DD
- -2.4%
- Sharpe
- 1.41
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
ICICI Prudential Corporate Bond Fund
ICICI Prudential Mutual Fund
- 1Y
- +4.2%
- 3Y
- +7.0%
- Vol
- 1.2%
- Max DD
- -2.0%
- Sharpe
- 1.71
- 3Y win
- +77%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Nippon India Corporate Bond Fund
Nippon India Mutual Fund
- 1Y
- +3.9%
- 3Y
- +7.3%
- Vol
- 1.1%
- Max DD
- -1.7%
- Sharpe
- 1.68
- 3Y win
- +53%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
PGIM India Corporate Bond Fund
PGIM India Mutual Fund
- 1Y
- +3.4%
- 3Y
- +6.9%
- Vol
- 1.5%
- Max DD
- -3.1%
- Sharpe
- 0.79
- 3Y win
- +45%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Tata Corporate Bond Fund
Tata Mutual Fund
- 1Y
- +3.9%
- 3Y
- +7.0%
- Vol
- 1.1%
- Max DD
- -1.7%
- Sharpe
- 0.23
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns