Should I invest in DSP Credit Risk Fund?

We don't give personal investment advice. DSP Credit Risk Fund - Direct Plan - IDCW - Monthly 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: 7.5%. 5-year CAGR: 1.10%.

DSP

DSP Credit Risk Fund - Direct Plan - IDCW - Monthly

Latest NAV

₹11.2097

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	+0.06%	+13.44%	-13.38	9 / 44	Q1
1W	+0.77%	+26.93%	-26.16	8 / 51	Q1
2W	+1.07%	+44.08%	-43.01	8 / 45	Q1
1M	+1.07%	+44.33%	-43.26	9 / 45	Q1
3M	+1.06%	+45.80%	-44.73	22 / 45	Q2
6M	+0.20%	+47.80%	-47.60	26 / 45	Q3
YTD	+0.21%	+45.06%	-44.85	32 / 45	Q3
1Y	-0.54%	+37.65%	-38.19	32 / 50	Q3
2Y	+1.86%	+0.08%	+1.78	31 / 49	Q3
3Y	+1.42%	+4.19%	-2.77	24 / 37	Q3
4Y	+1.49%	+4.28%	-2.80	22 / 33	Q3
5Y	+1.10%	+4.97%	-3.87	25 / 33	Q4
7Y	+1.31%	+3.15%	-1.84	23 / 33	Q3
10Y	+0.66%	+2.93%	-2.27	21 / 26	Q4
Inception	+0.78%	-10.07%	+10.85	34 / 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	+0.21%	+1.31%	-1.10	21 / 32
2025	+3.13%	+5.69%	-2.57	20 / 32
2024	+0.72%	+4.08%	-3.35	21 / 32
2023	+1.15%	+1.03%	+0.12	23 / 33
2022	+0.19%	+58.89%	-58.70	30 / 39
2021	+0.21%	-8.73%	+8.94	23 / 44
2020	+0.86%	-3.99%	+4.86	16 / 39
2019	+5.32%	-0.88%	+6.20	5 / 35
2018	-5.53%	+0.62%	-6.15	31 / 34
2017	+0.67%	+1.91%	-1.24	15 / 29
2016	+0.28%	+4.63%	-4.35	27 / 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

+0.85%

152 windows

min -5.3% · max 8.2%

81% positive

3-Year rolling

+0.68%

127 windows

min -1.6% · max 3.3%

82% positive

5-Year rolling

+0.56%

103 windows

min -0.4% · max 2.0%

91% positive

7-Year rolling

+0.57%

79 windows

min 0.1% · max 1.6%

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

1.97%

3-year · annualised

Sharpe ratio

-2.58

vs risk-free 6.5%

Sortino ratio

-9.37

Downside-only deviation

Max drawdown

-7.47%

Oct 2023 → Oct 2023

% positive months

50.0%

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	DSP	₹12.4504	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.2097
2 Jun 2026	₹11.2111
1 Jun 2026	₹11.2046
29 May 2026	₹11.2290
27 May 2026	₹11.1289
26 May 2026	₹11.1252
25 May 2026	₹11.1210
22 May 2026	₹11.1027
21 May 2026	₹11.0943
20 May 2026	₹11.0936

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 - Monthly is ₹11.2097. 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 - Monthly 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 - Monthly 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 - Monthly has delivered a absolute return of -0.54% — -38.19 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #32 of 50 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP Credit Risk Fund - Direct Plan - IDCW - Monthly has delivered a CAGR of 1.42% — -2.77 pp behind the Credit Risk Fund category average of 4.19%. The fund ranks #24 of 37 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Credit Risk Fund - Direct Plan - IDCW - Monthly has delivered a CAGR of 1.10% — -3.87 pp behind the Credit Risk Fund category average of 4.97%. The fund ranks #25 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP Credit Risk Fund - Direct Plan - IDCW - Monthly exactly 10 years ago would be worth approximately ₹106,829 today — a multiplier of 1.07×, based on the 10-year CAGR of 0.66%. 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 - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹621,438 today. That's an XIRR (money-weighted annualised return) of 1.38%.

A ₹10,000 monthly SIP for 10 years in DSP Credit Risk Fund - Direct Plan - IDCW - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,264,276 (multiplier 1.05×). XIRR: 1.03%. 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 - Monthly ranks #25 out of 33 funds in the Credit Risk Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.97%; this fund delivered 1.10%.

The worst peak-to-trough decline DSP Credit Risk Fund - Direct Plan - IDCW - Monthly has experienced over the last 5-year window is 7.47% — its NAV fell from a high on 27 Oct 2023 to a low on 30 Oct 2023. 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 - Monthly averaged 0.56% (best 1.99%, worst -0.39%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is -1.22 — negative risk-adjusted performance.

In calendar year 2025, DSP Credit Risk Fund - Direct Plan - IDCW - Monthly returned 3.13% — lagging the Credit Risk Fund category average of 5.69% by 2.57 pp. It ranked #20 of 32 in its category that year.

DSP Credit Risk Fund - Direct Plan - IDCW - Monthly 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 - Monthly 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: 7.5%. 5-year CAGR: 1.10%.

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