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: 1.26%.

DSP

DSP Credit Risk Fund - Regular Plan - IDCW - Monthly

Latest NAV

₹11.2701

As of

17 Jul 2026

3,463 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%	+0.02%	-0.01	21 / 31	Q3
1W	-0.01%	-0.02%	+0.01	14 / 31	Q2
2W	-0.03%	-0.04%	+0.01	11 / 31	Q2
1M	-0.20%	+0.26%	-0.46	26 / 31	Q4
3M	-5.44%	+1.00%	-6.44	31 / 31	Q4
6M	+0.24%	+1.38%	-1.14	21 / 31	Q3
YTD	+0.17%	+1.54%	-1.37	22 / 31	Q3
1Y	-0.21%	+3.10%	-3.32	24 / 31	Q4
2Y	+2.30%	+5.13%	-2.83	22 / 31	Q3
3Y	+1.63%	+4.78%	-3.15	22 / 31	Q3
4Y	+1.57%	+4.49%	-2.92	19 / 28	Q3
5Y	+1.26%	+5.32%	-4.05	20 / 28	Q3
7Y	+1.41%	+3.49%	-2.08	22 / 28	Q4
10Y	+0.65%	+2.51%	-1.85	19 / 23	Q4
Inception	+0.83%	+2.75%	-1.92	23 / 31	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	+0.17%	+1.49%	-1.33	21 / 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%	+7.38%	-7.22	20 / 28
2021	+0.16%	+5.79%	-5.63	18 / 28
2020	+1.85%	-2.28%	+4.13	13 / 28
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

+0.84%

163 windows

min -6.6% · max 8.4%

82% positive

3-Year rolling

+0.69%

138 windows

min -1.8% · max 3.5%

82% positive

5-Year rolling

+0.58%

114 windows

min -0.6% · max 2.4%

85% positive

7-Year rolling

+0.55%

90 windows

min -0.1% · max 2.3%

98% 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

7.12%

3-year · annualised

Sharpe ratio

-0.65

vs risk-free 6.5%

Sortino ratio

-1.10

Downside-only deviation

Max drawdown

-7.43%

Oct 2023 → Oct 2023

% positive months

55.6%

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	₹16.2822	17 Jul 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,071.6654	17 Jul 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.4254	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.1658	17 Jul 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.7779	17 Jul 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1130	17 Jul 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly	DSP	₹11.5054	17 Jul 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.4250	17 Jul 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	17 Jul 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.2701
16 Jul 2026	₹11.2690
15 Jul 2026	₹11.2591
14 Jul 2026	₹11.2534
13 Jul 2026	₹11.2718
10 Jul 2026	₹11.2709
9 Jul 2026	₹11.2589
8 Jul 2026	₹11.2526
7 Jul 2026	₹11.2759
6 Jul 2026	₹11.2816

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 - Regular Plan - IDCW - Monthly is ₹11.2701. 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 3 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 -0.21% — -3.32 pp behind the Credit Risk Fund category average of 3.10%. The fund ranks #24 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Credit Risk Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 1.63% — -3.15 pp behind the Credit Risk Fund category average of 4.78%. 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 1.26% — -4.05 pp behind the Credit Risk Fund category average of 5.32%. The fund ranks #20 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 ₹106,739 today — a multiplier of 1.07×, based on the 10-year CAGR of 0.65%. The category average over the same window would have grown ₹1 lakh to ₹128,078.

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 ₹623,209 today. That's an XIRR (money-weighted annualised return) of 1.50%.

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 ₹1,271,147 (multiplier 1.06×). XIRR: 1.14%. 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 #20 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 5.32%; this fund delivered 1.26%.

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 0.58% (best 2.39%, worst -0.63%). 85% of rolling windows ended positive. The 5-year Sharpe ratio is -0.73 — 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: 1.26%.

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