Should I invest in DSP Credit Risk Fund?

We don't give personal investment advice. DSP Credit Risk Fund - Direct Plan - IDCW - Daily 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: 1.65%.

DSP

DSP Credit Risk Fund - Direct Plan - IDCW - Daily

Latest NAV

₹11.1229

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

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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	+0.00%	+13.44%	-13.44	36 / 44	Q4
1W	+0.53%	+26.93%	-26.40	12 / 51	Q1
2W	+0.83%	+44.08%	-43.25	12 / 45	Q2
1M	+0.83%	+44.33%	-43.50	13 / 45	Q2
3M	+0.81%	+45.80%	-44.99	30 / 45	Q3
6M	+0.00%	+47.80%	-47.80	29 / 45	Q3
YTD	+0.00%	+45.06%	-45.06	35 / 45	Q4
1Y	+0.00%	+37.65%	-37.65	29 / 50	Q3
2Y	+4.18%	+0.08%	+4.09	27 / 49	Q3
3Y	+2.76%	+4.19%	-1.43	21 / 37	Q3
4Y	+2.27%	+4.28%	-2.02	19 / 33	Q3
5Y	+1.65%	+4.97%	-3.32	23 / 33	Q3
7Y	+1.64%	+3.15%	-1.51	21 / 33	Q3
10Y	+0.95%	+2.93%	-1.98	18 / 26	Q3
Inception	+0.76%	-10.07%	+10.83	35 / 54	Q3

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	+0.00%	+1.31%	-1.31	24 / 32
2025	+8.53%	+5.69%	+2.84	10 / 32
2024	+0.00%	+4.08%	-4.08	27 / 32
2023	+0.02%	+1.03%	-1.01	30 / 33
2022	+0.02%	+58.89%	-58.87	35 / 39
2021	+0.00%	-8.73%	+8.73	25 / 44
2020	+0.56%	-3.99%	+4.55	19 / 39
2019	+5.32%	-0.88%	+6.20	4 / 35
2018	-5.62%	+0.62%	-6.23	33 / 34
2017	+0.36%	+1.91%	-1.56	19 / 29
2016	+0.87%	+4.63%	-3.76	22 / 28

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

+0.87%

152 windows

min -5.3% · max 8.6%

59% positive

3-Year rolling

+0.49%

127 windows

min -1.4% · max 3.1%

65% positive

5-Year rolling

+0.38%

103 windows

min -0.8% · max 2.2%

70% positive

7-Year rolling

+0.40%

79 windows

min -0.1% · max 2.0%

87% 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

4.70%

3-year · annualised

Sharpe ratio

-0.78

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.77%

May 2025 → Feb 2026

% positive months

19.4%

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 - IDCW Option - Direct Plan	HDFC	₹24.1395	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.6214	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.9696	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,310.3743	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.3422	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.2712	3 Jun 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.4973	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2097	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.1229
2 Jun 2026	₹11.1243
1 Jun 2026	₹11.1243
29 May 2026	₹11.1687
27 May 2026	₹11.0692
26 May 2026	₹11.0654
25 May 2026	₹11.0613
22 May 2026	₹11.0431
21 May 2026	₹11.0347
20 May 2026	₹11.0340

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 - IDCW - Daily is ₹11.1229. It's a Credit Risk Fund from DSP, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Credit Risk Fund - Direct Plan - IDCW - Daily 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 - IDCW - Daily 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 - IDCW - Daily has delivered a absolute return of 0.00% — -37.65 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #29 of 50 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP Credit Risk Fund - Direct Plan - IDCW - Daily has delivered a CAGR of 2.76% — -1.43 pp behind the Credit Risk Fund category average of 4.19%. The fund ranks #21 of 37 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Credit Risk Fund - Direct Plan - IDCW - Daily has delivered a CAGR of 1.65% — -3.32 pp behind the Credit Risk Fund category average of 4.97%. The fund ranks #23 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Credit Risk Fund - Direct Plan - IDCW - Daily exactly 10 years ago would be worth approximately ₹109,895 today — a multiplier of 1.10×, based on the 10-year CAGR of 0.95%. The category average over the same window would have grown ₹1 lakh to ₹133,503.

A ₹10,000 monthly SIP in DSP Credit Risk Fund - Direct Plan - IDCW - Daily over the last 5 years — total invested ₹600,000 — would be worth ₹639,765 today. That's an XIRR (money-weighted annualised return) of 2.53%.

A ₹10,000 monthly SIP for 10 years in DSP Credit Risk Fund - Direct Plan - IDCW - Daily = ₹1,200,000 invested. It would currently be worth ₹1,297,762 (multiplier 1.08×). XIRR: 1.55%. 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 - IDCW - Daily ranks #23 out of 33 funds in the Credit Risk Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.97%; this fund delivered 1.65%.

The worst peak-to-trough decline DSP Credit Risk Fund - Direct Plan - IDCW - Daily has experienced over the last 5-year window is 1.77% — its NAV fell from a high on 16 May 2025 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 - IDCW - Daily averaged 0.38% (best 2.16%, worst -0.79%). 70% of rolling windows ended positive. The 5-year Sharpe ratio is -1.30 — negative risk-adjusted performance.

In calendar year 2025, DSP Credit Risk Fund - Direct Plan - IDCW - Daily returned 8.53% — beating the Credit Risk Fund category average of 5.69% by 2.84 pp. It ranked #10 of 32 in its category that year.

DSP Credit Risk Fund - Direct Plan - IDCW - Daily 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 - IDCW - Daily 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: 1.65%.

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