Should I invest in DSP Credit Risk Fund?

We don't give personal investment advice. DSP Credit Risk Fund - Direct Plan - IDCW - Weekly 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: 2.6%. 5-year CAGR: 1.64%.

DSP

DSP Credit Risk Fund - Direct Plan - IDCW - Weekly

Latest NAV

₹11.1250

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%	+0.03%	-0.02	30 / 37	Q4
1W	-0.05%	-0.01%	-0.04	27 / 37	Q3
2W	-0.05%	+0.00%	-0.06	30 / 37	Q4
1M	-0.18%	+0.19%	-0.38	30 / 37	Q4
3M	+0.01%	+1.16%	-1.15	32 / 37	Q4
6M	+0.05%	+1.67%	-1.61	29 / 37	Q4
YTD	+0.01%	+1.98%	-1.97	29 / 37	Q4
1Y	+0.01%	+3.50%	-3.48	24 / 37	Q3
2Y	+4.10%	+4.71%	-0.61	20 / 37	Q3
3Y	+2.71%	+4.38%	-1.67	20 / 37	Q3
4Y	+2.06%	+4.32%	-2.26	18 / 33	Q3
5Y	+1.64%	+5.01%	-3.37	21 / 33	Q3
7Y	+1.52%	+3.53%	-2.01	20 / 33	Q3
10Y	+0.93%	+2.93%	-1.99	17 / 26	Q3
Inception	+0.74%	+2.99%	-2.25	30 / 37	Q4

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	+0.01%	+2.19%	-2.17	25 / 32
2025	+8.38%	+5.69%	+2.69	11 / 32
2024	+0.06%	+4.08%	-4.02	25 / 32
2023	+0.04%	+4.18%	-4.14	29 / 32
2022	+0.04%	+6.69%	-6.65	25 / 32
2021	0.00%	+7.06%	-7.06	26 / 32
2020	+0.52%	-1.76%	+2.28	20 / 34
2019	+5.32%	-0.88%	+6.20	6 / 35
2018	-5.59%	+0.62%	-6.21	32 / 34
2017	+0.29%	+1.91%	-1.63	21 / 29
2016	+0.95%	+4.63%	-3.68	21 / 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

+0.83%

153 windows

min -5.6% · max 8.6%

71% positive

3-Year rolling

+0.50%

129 windows

min -1.5% · max 3.0%

72% positive

5-Year rolling

+0.38%

105 windows

min -0.9% · max 2.1%

72% positive

7-Year rolling

+0.43%

80 windows

min -0.1% · max 2.0%

91% 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

4.40%

3-year · annualised

Sharpe ratio

-0.84

vs risk-free 6.5%

Sortino ratio

-4.99

Downside-only deviation

Max drawdown

-2.61%

Jun 2025 → Feb 2026

% positive months

52.8%

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	₹24.5987	17 Jul 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.9714	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.0282	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,352.0932	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.5272	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.5686	17 Jul 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹27.0252	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2112	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.1250
16 Jul 2026	₹11.1237
15 Jul 2026	₹11.1199
14 Jul 2026	₹11.1141
13 Jul 2026	₹11.1319
10 Jul 2026	₹11.1303
9 Jul 2026	₹11.1183
8 Jul 2026	₹11.1118
7 Jul 2026	₹11.1346
6 Jul 2026	₹11.1400

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 - IDCW - Weekly is ₹11.1250. 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 - Weekly 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 - IDCW - Weekly 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 - Weekly has delivered a absolute return of 0.01% — -3.48 pp behind the Credit Risk Fund category average of 3.50%. The fund ranks #24 of 37 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP Credit Risk Fund - Direct Plan - IDCW - Weekly has delivered a CAGR of 2.71% — -1.67 pp behind the Credit Risk Fund category average of 4.38%. The fund ranks #20 of 37 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Credit Risk Fund - Direct Plan - IDCW - Weekly has delivered a CAGR of 1.64% — -3.37 pp behind the Credit Risk Fund category average of 5.01%. The fund ranks #21 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Credit Risk Fund - Direct Plan - IDCW - Weekly exactly 10 years ago would be worth approximately ₹109,745 today — a multiplier of 1.10×, based on the 10-year CAGR of 0.93%. The category average over the same window would have grown ₹1 lakh to ₹133,464.

A ₹10,000 monthly SIP in DSP Credit Risk Fund - Direct Plan - IDCW - Weekly over the last 5 years — total invested ₹600,000 — would be worth ₹637,817 today. That's an XIRR (money-weighted annualised return) of 2.41%.

A ₹10,000 monthly SIP for 10 years in DSP Credit Risk Fund - Direct Plan - IDCW - Weekly = ₹1,200,000 invested. It would currently be worth ₹1,295,200 (multiplier 1.08×). XIRR: 1.51%. 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 - Weekly ranks #21 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 5.01%; this fund delivered 1.64%.

The worst peak-to-trough decline DSP Credit Risk Fund - Direct Plan - IDCW - Weekly has experienced over the last 5-year window is 2.61% — its NAV fell from a high on 04 Jun 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 - Weekly averaged 0.38% (best 2.12%, worst -0.85%). 72% of rolling windows ended positive. The 5-year Sharpe ratio is -1.39 — negative risk-adjusted performance.

In calendar year 2025, DSP Credit Risk Fund - Direct Plan - IDCW - Weekly returned 8.38% — beating the Credit Risk Fund category average of 5.69% by 2.69 pp. It ranked #11 of 32 in its category that year.

DSP Credit Risk Fund - Direct Plan - IDCW - Weekly 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 - Weekly 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: 2.6%. 5-year CAGR: 1.64%.

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