Should I invest in DSP Credit Risk Fund?

We don't give personal investment advice. DSP Credit Risk Fund - Regular 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: 7.4%. 5-year CAGR: 1.29%.

DSP

DSP Credit Risk Fund - Regular Plan - IDCW - Monthly

Latest NAV

₹11.2656

As of

3 Jun 2026

3,432 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%	+0.04%	+0.02	6 / 36	Q1
1W	+0.76%	+23.03%	-22.28	7 / 41	Q1
2W	+1.04%	+40.35%	-39.31	8 / 36	Q1
1M	+1.01%	+40.52%	-39.51	6 / 36	Q1
3M	+1.06%	+41.87%	-40.80	16 / 36	Q2
6M	+0.12%	+43.31%	-43.19	23 / 36	Q3
YTD	+0.14%	+40.80%	-40.66	24 / 36	Q3
1Y	-0.64%	+29.96%	-30.61	26 / 41	Q3
2Y	+2.41%	-4.68%	+7.09	28 / 41	Q3
3Y	+1.76%	+4.58%	-2.82	22 / 31	Q3
4Y	+1.75%	+4.37%	-2.62	19 / 28	Q3
5Y	+1.29%	+5.19%	-3.90	21 / 28	Q3
7Y	+1.51%	+3.07%	-1.56	17 / 28	Q3
10Y	+0.73%	+2.50%	-1.77	19 / 23	Q4
Inception	+0.84%	-16.47%	+17.30	27 / 46	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	+0.14%	+0.57%	-0.43	18 / 30
2025	+4.35%	+6.54%	-2.19	21 / 30
2024	+0.67%	+3.89%	-3.22	20 / 30
2023	+1.09%	+4.30%	-3.21	21 / 31
2022	+0.16%	+50.17%	-50.01	25 / 33
2021	+0.16%	-10.96%	+11.13	18 / 38
2020	+1.85%	-4.85%	+6.69	13 / 33
2019	+4.38%	-1.86%	+6.24	5 / 28
2018	-5.75%	-0.45%	-5.30	25 / 28
2017	+0.68%	+1.47%	-0.79	7 / 24
2016	+0.19%	+4.33%	-4.13	23 / 24

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

+0.90%

161 windows

min -5.6% · max 8.1%

80% positive

3-Year rolling

+0.71%

137 windows

min -1.7% · max 3.4%

82% positive

5-Year rolling

+0.57%

113 windows

min -0.5% · max 1.9%

86% positive

7-Year rolling

+0.52%

88 windows

min 0.0% · max 1.8%

99% 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

2.61%

3-year · annualised

Sharpe ratio

-1.81

vs risk-free 6.5%

Sortino ratio

-8.59

Downside-only deviation

Max drawdown

-7.43%

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
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.9589	3 Jun 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,037.8107	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.2544	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹12.9096	3 Jun 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.5239	3 Jun 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1227	3 Jun 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly	DSP	₹12.0761	3 Jun 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.2488	3 Jun 2026
Baroda BNP Paribas Credit Risk fund - Regular-Quarterly- IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular-Quarterly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.2656
2 Jun 2026	₹11.2672
1 Jun 2026	₹11.2610
29 May 2026	₹11.2862
27 May 2026	₹11.1861
26 May 2026	₹11.1825
25 May 2026	₹11.1786
22 May 2026	₹11.1608
21 May 2026	₹11.1526
20 May 2026	₹11.1522

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 - Regular Plan - IDCW - Monthly is ₹11.2656. It's a Credit Risk Fund from DSP, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Credit Risk Fund - Regular Plan - IDCW - Monthly has NAV history starting from 26 Mar 2012, a track record of about 14 years 2 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 - Regular 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 - Regular Plan - IDCW - Monthly has delivered a absolute return of -0.64% — -30.61 pp behind the Credit Risk Fund category average of 29.96%. The fund ranks #26 of 41 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP Credit Risk Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 1.76% — -2.82 pp behind the Credit Risk Fund category average of 4.58%. The fund ranks #22 of 31 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Credit Risk Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 1.29% — -3.9 pp behind the Credit Risk Fund category average of 5.19%. The fund ranks #21 of 28 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Credit Risk Fund - Regular Plan - IDCW - Monthly exactly 10 years ago would be worth approximately ₹107,567 today — a multiplier of 1.08×, based on the 10-year CAGR of 0.73%. The category average over the same window would have grown ₹1 lakh to ₹128,048.

A ₹10,000 monthly SIP in DSP Credit Risk Fund - Regular Plan - IDCW - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹626,282 today. That's an XIRR (money-weighted annualised return) of 1.69%.

A ₹10,000 monthly SIP for 10 years in DSP Credit Risk Fund - Regular Plan - IDCW - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,275,253 (multiplier 1.06×). XIRR: 1.20%. 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 - Regular Plan - IDCW - Monthly ranks #21 out of 28 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 5.19%; this fund delivered 1.29%.

The worst peak-to-trough decline DSP Credit Risk Fund - Regular Plan - IDCW - Monthly has experienced over the last 5-year window is 7.43% — 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 - Regular Plan - IDCW - Monthly averaged 0.57% (best 1.94%, worst -0.47%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is -1.12 — negative risk-adjusted performance.

In calendar year 2025, DSP Credit Risk Fund - Regular Plan - IDCW - Monthly returned 4.35% — lagging the Credit Risk Fund category average of 6.54% by 2.19 pp. It ranked #21 of 30 in its category that year.

DSP Credit Risk Fund - Regular 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 - Regular 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: 7.4%. 5-year CAGR: 1.29%.

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