HealthyDirect · Growth
DSP Credit Risk Fund
DSP Mutual FundDebt Scheme - Credit Risk Fund13.7 years
The scheme seeks to generate returns commensurate with risk from a portfolio constituted of money market securities and debt securities.
- NAV
- 60.8065
- 15 Sept 2026
- 1Y
- +11.1%
- Trailing CAGR
- AUM
- ₹309.74 Cr
- 31 Aug 2026
- Volatility
- Low
- 4.5% annualized
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+11.1%
- 3Y+16.8%
- 5Y+13.3%
- 10Y+8.7%
- SI+9.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+13.2%
- 3Y+15.1%
- 5Y+14.7%
- 10Y+10.8%
- Since inception
- +9.2%
- Calendar-day CAGR
- Excess 1Y
- +0.5%
- Category median, same plan and option
- 3Y win rate
- +41%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- Worst rolling 3Y
- +2.2%
- 2598 daily-ending windows
- Median rolling 3Y
- +8.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2113 daily-ending windows
- SIP 3Y XIRR
- +15.1%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 260 recovered episodes
- Longest recovery
- 402 days
- Trough to prior peak
- Current spell
- 6 days
- Days below latest peak
- Time below peak
- +43%
- NAV observations
3 Sept 2018 – 24 Jan 2020
Trough 18 Dec 2018 · recovered in 402 days
-6.0%
22 Apr 2020 – 14 Sept 2020
Trough 29 Apr 2020 · recovered in 138 days
-2.8%
12 Jan 2026 – 15 Apr 2026
Trough 6 Feb 2026 · recovered in 68 days
-1.8%
15 Jul 2013 – 18 Sept 2013
Trough 24 Jul 2013 · recovered in 56 days
-1.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
53
Consistency
44
Risk-adjusted
70
Drawdown
85
Mean
71
Portfolio
31 Aug 2026 · 27 holdings · top 10 are 60.6%.
- Top 5
- 35.9%
- Top 10
- 60.6%
- Largest holding
- 8.2%
- Effective holdings
- 19.9
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
8.2%
KOTAK MAHINDRA BANK LIMITED CD 04FEB27
Financial
7.8%
NUVOCO VISTAS CORPORATION LIMITED 7.7 NCD 18SP28 FVRS1LAC
Materials
6.8%
ADITYA BIRLA DIGITAL FASHION VENTURES LIMITED SR I 9 NCD 20JL29 FVRS1LAC
Consumer Discretionary
6.5%
ADANI AIRPORT HOLDINGS LIMITED 8.45 NCD 12FB29 FVRS1LAC
Industrials
6.5%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Healthy
Engine status
Healthy
Doing its job
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%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +12.8%
- 3Y
- +13.2%
- Vol
- 2.6%
- Max DD
- -3.9%
- Sharpe
- 1.59
- 3Y win
- +70%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
ICICI Prudential Credit Risk Fund
ICICI Prudential Mutual Fund
- 1Y
- +8.2%
- 3Y
- +9.1%
- Vol
- 1.4%
- Max DD
- -2.9%
- Sharpe
- 2.52
- 3Y win
- +53%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Kotak Credit Risk Fund
Kotak Mahindra Mutual Fund
- 1Y
- +7.4%
- 3Y
- +8.5%
- Vol
- 1.8%
- Max DD
- -3.9%
- Sharpe
- 1.64
- 3Y win
- +54%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
SBI CREDIT RISK FUND
SBI Mutual Fund
- 1Y
- +8.3%
- 3Y
- +8.6%
- Vol
- 1.3%
- Max DD
- -2.3%
- Sharpe
- 2.62
- 3Y win
- +52%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
BANDHAN CREDIT RISK FUND
Bandhan Mutual Fund
- 1Y
- +5.9%
- 3Y
- +7.2%
- Vol
- 1.5%
- Max DD
- -2.6%
- Sharpe
- 1.15
- 3Y win
- +34%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns