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: 13.00%.

DSP

DSP Credit Risk Fund - Direct Plan - Growth

Latest NAV

₹59.3955

As of

3 Jun 2026

3,245 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	+0.06%	+18.47%	-18.42	5 / 16	Q2
1W	+0.77%	+15.49%	-14.72	3 / 19	Q1
2W	+1.07%	+29.32%	-28.25	3 / 17	Q1
1M	+1.07%	+29.50%	-28.42	3 / 17	Q1
3M	+7.36%	+31.41%	-24.05	3 / 17	Q1
6M	+7.02%	+34.09%	-27.07	3 / 17	Q1
YTD	+6.64%	+31.67%	-25.04	3 / 17	Q1
1Y	+9.89%	+32.15%	-22.26	4 / 18	Q1
2Y	+16.80%	+9.01%	+7.79	3 / 17	Q1
3Y	+16.59%	+9.42%	+7.17	1 / 14	Q1
4Y	+14.23%	+8.71%	+5.52	1 / 13	Q1
5Y	+13.00%	+8.37%	+4.63	1 / 13	Q1
7Y	+10.73%	+7.50%	+3.23	1 / 13	Q1
10Y	+8.89%	+7.61%	+1.28	2 / 12	Q1
Inception	+9.21%	+2.17%	+7.03	5 / 18	Q2

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	+6.64%	+2.95%	+3.69	1 / 13
2025	+22.00%	+11.47%	+10.53	1 / 13
2024	+8.61%	+8.95%	-0.34	9 / 13
2023	+16.57%	+1.35%	+15.22	1 / 15
2022	+10.12%	+43.89%	-33.77	3 / 15
2021	+3.72%	-0.51%	+4.23	13 / 16
2020	+5.57%	+2.43%	+3.14	9 / 14
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%

152 windows

min -2.9% · max 24.4%

94% positive

3-Year rolling

+8.23%

127 windows

min 2.2% · max 16.6%

100% positive

5-Year rolling

+7.29%

103 windows

min 3.7% · max 13.0%

100% positive

7-Year rolling

+6.98%

79 windows

min 5.4% · max 10.7%

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

7.45%

3-year · annualised

Sharpe ratio

1.24

vs risk-free 6.5%

Sortino ratio

—

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	₹27.5375	3 Jun 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.2014	3 Jun 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹52.3817	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹37.5622	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,293.2545	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.6046	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.2820	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.2782	3 Jun 2026
HSBC Credit Risk Fund - Direct Growth	HSBC	₹36.8522	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹59.3955
2 Jun 2026	₹59.4027
1 Jun 2026	₹59.3686
29 May 2026	₹59.4978
27 May 2026	₹58.9675
26 May 2026	₹58.9476
25 May 2026	₹58.9254
22 May 2026	₹58.8283
21 May 2026	₹58.7838
20 May 2026	₹58.7800

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 03 Jun 2026, the NAV of DSP Credit Risk Fund - Direct Plan - Growth is ₹59.3955. 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 5 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 9.89% — -22.26 pp behind the Credit Risk Fund category average of 32.15%. The fund ranks #4 of 18 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 16.59% — +7.17 pp ahead of the Credit Risk Fund category average of 9.42%. 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 13.00% — +4.63 pp ahead of the Credit Risk Fund category average of 8.37%. 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 ₹234,412 today — a multiplier of 2.34×, based on the 10-year CAGR of 8.89%. The category average over the same window would have grown ₹1 lakh to ₹208,307.

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 ₹874,884 today. That's an XIRR (money-weighted annualised return) of 15.06%.

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 ₹2,102,410 (multiplier 1.75×). XIRR: 10.80%. 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 8.37%; this fund delivered 13.00%.

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 7.29% (best 13.00%, worst 3.70%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.91 — 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: 13.00%.

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

More from DSP