Should I invest in DSP Credit Risk Fund?

We don't give personal investment advice. DSP Credit Risk Fund - Direct Plan - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.8%. 5-year CAGR: 13.26%.

DSP

DSP Credit Risk Fund - Direct Plan - Growth

Latest NAV

₹60.3545

As of

17 Jul 2026

3,276 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.01%	+0.04%	-0.03	12 / 14	Q4
1W	+0.01%	+0.04%	-0.03	8 / 14	Q3
2W	+0.00%	+0.05%	-0.04	8 / 14	Q3
1M	+1.34%	+0.92%	+0.43	1 / 14	Q1
3M	+1.93%	+2.19%	-0.26	11 / 14	Q4
6M	+8.38%	+4.55%	+3.83	1 / 14	Q1
YTD	+8.35%	+4.79%	+3.56	2 / 14	Q1
1Y	+10.86%	+8.02%	+2.84	2 / 14	Q1
2Y	+17.20%	+9.96%	+7.24	1 / 14	Q1
3Y	+16.86%	+9.73%	+7.13	1 / 14	Q1
4Y	+14.44%	+8.90%	+5.54	1 / 13	Q1
5Y	+13.26%	+8.48%	+4.77	1 / 13	Q1
7Y	+10.85%	+7.66%	+3.19	1 / 13	Q1
10Y	+8.90%	+7.63%	+1.27	2 / 12	Q1
Inception	+9.25%	+8.36%	+0.89	3 / 14	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+8.35%	+4.78%	+3.57	2 / 13
2025	+22.00%	+11.47%	+10.53	1 / 13
2024	+8.61%	+8.95%	-0.34	9 / 13
2023	+16.57%	+8.59%	+7.98	1 / 14
2022	+10.12%	+4.85%	+5.27	1 / 13
2021	+3.72%	+9.50%	-5.78	13 / 13
2020	+5.57%	+4.10%	+1.47	9 / 13
2019	+5.32%	+4.87%	+0.45	7 / 13
2018	-2.09%	+6.20%	-8.29	13 / 13
2017	+7.20%	+8.01%	-0.81	12 / 12
2016	+11.25%	+11.27%	-0.03	7 / 12

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+9.22%

153 windows

min -3.9% · max 24.0%

93% positive

3-Year rolling

+8.34%

129 windows

min 2.2% · max 16.9%

100% positive

5-Year rolling

+7.39%

105 windows

min 3.8% · max 13.3%

100% positive

7-Year rolling

+7.07%

80 windows

min 5.4% · max 10.9%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

9.03%

3-year · annualised

Sharpe ratio

1.06

vs risk-free 6.5%

Sortino ratio

14.38

Downside-only deviation

Max drawdown

-1.77%

Jan 2026 → Feb 2026

% positive months

94.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Credit Risk Fund

Scheme	Fund house	NAV	As of
HDFC Credit Risk Debt Fund - Growth Option - Direct Plan	HDFC	₹28.0614	17 Jul 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.8973	17 Jul 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹53.4845	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹38.3011	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,334.6655	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.9380	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.8505	17 Jul 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.9811	17 Jul 2026
HSBC Credit Risk Fund - Direct Growth	HSBC	₹37.4131	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹60.3545
16 Jul 2026	₹60.3474
15 Jul 2026	₹60.2930
14 Jul 2026	₹60.2614
13 Jul 2026	₹60.3582
10 Jul 2026	₹60.3496
9 Jul 2026	₹60.2842
8 Jul 2026	₹60.2493
7 Jul 2026	₹60.3725
6 Jul 2026	₹60.4018

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of DSP Credit Risk Fund - Direct Plan - Growth is ₹60.3545. It's a Credit Risk Fund from DSP, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

DSP Credit Risk Fund - Direct Plan - Growth has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

DSP Credit Risk Fund - Direct Plan - Growth is managed by DSP. It's classified by AMFI under the 'Credit Risk Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP Credit Risk Fund - Direct Plan - Growth has delivered a absolute return of 10.86% — +2.84 pp ahead of the Credit Risk Fund category average of 8.02%. The fund ranks #2 of 14 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DSP Credit Risk Fund - Direct Plan - Growth has delivered a CAGR of 16.86% — +7.13 pp ahead of the Credit Risk Fund category average of 9.73%. The fund ranks #1 of 14 in its category — the top (Q1) quartile.

Over the trailing 5-year window, DSP Credit Risk Fund - Direct Plan - Growth has delivered a CAGR of 13.26% — +4.77 pp ahead of the Credit Risk Fund category average of 8.48%. The fund ranks #1 of 13 in its category — the top (Q1) quartile.

₹1 lakh invested in DSP Credit Risk Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹234,520 today — a multiplier of 2.35×, based on the 10-year CAGR of 8.90%. The category average over the same window would have grown ₹1 lakh to ₹208,632.

A ₹10,000 monthly SIP in DSP Credit Risk Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹876,858 today. That's an XIRR (money-weighted annualised return) of 15.16%.

A ₹10,000 monthly SIP for 10 years in DSP Credit Risk Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,116,401 (multiplier 1.76×). XIRR: 10.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP Credit Risk Fund - Direct Plan - Growth ranks #1 out of 13 funds in the Credit Risk Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.48%; this fund delivered 13.26%.

The worst peak-to-trough decline DSP Credit Risk Fund - Direct Plan - Growth has experienced over the last 5-year window is 1.77% — its NAV fell from a high on 12 Jan 2026 to a low on 06 Feb 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, DSP Credit Risk Fund - Direct Plan - Growth averaged 7.39% (best 13.26%, worst 3.77%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.83 — reasonable risk-adjusted performance.

In calendar year 2025, DSP Credit Risk Fund - Direct Plan - Growth returned 22.00% — beating the Credit Risk Fund category average of 11.47% by 10.53 pp. It ranked #1 of 13 in its category that year.

DSP Credit Risk Fund - Direct Plan - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. DSP Credit Risk Fund - Direct Plan - Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.8%. 5-year CAGR: 13.26%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

DSP Credit Risk Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Credit Risk Fund

Recent NAVs

Frequently asked questions

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