Should I invest in DSP Credit Risk Fund?

We don't give personal investment advice. DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly 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: 11.6%. 5-year CAGR: 2.10%.

DSP

DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly

Latest NAV

₹12.0761

As of

3 Jun 2026

3,440 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	2 / 36	Q1
1W	+0.76%	+23.03%	-22.28	6 / 41	Q1
2W	+1.04%	+40.35%	-39.31	6 / 36	Q1
1M	+1.01%	+40.52%	-39.51	7 / 36	Q1
3M	+7.15%	+41.87%	-34.72	7 / 36	Q1
6M	+5.44%	+43.31%	-37.87	8 / 36	Q1
YTD	+6.28%	+40.80%	-34.52	8 / 36	Q1
1Y	+4.22%	+29.96%	-25.74	21 / 41	Q3
2Y	+4.34%	-4.68%	+9.02	23 / 41	Q3
3Y	+2.94%	+4.58%	-1.64	17 / 31	Q3
4Y	+1.42%	+4.37%	-2.95	20 / 28	Q3
5Y	+2.10%	+5.19%	-3.09	17 / 28	Q3
7Y	+2.23%	+3.07%	-0.83	11 / 28	Q2
10Y	+1.29%	+2.50%	-1.21	11 / 23	Q2
Inception	+1.34%	-16.47%	+17.80	23 / 46	Q2

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	+6.28%	+0.57%	+5.72	3 / 30
2025	+3.38%	+6.54%	-3.16	22 / 30
2024	+0.53%	+3.89%	-3.36	21 / 30
2023	+1.10%	+4.30%	-3.20	20 / 31
2022	+0.15%	+50.17%	-50.03	26 / 33
2021	+0.20%	-10.96%	+11.16	17 / 38
2020	+1.89%	-4.85%	+6.74	12 / 33
2019	+4.38%	-1.86%	+6.24	7 / 28
2018	-3.97%	-0.45%	-3.52	24 / 28
2017	+0.48%	+1.47%	-0.99	10 / 24
2016	+0.60%	+4.33%	-3.73	22 / 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

+1.02%

162 windows

min -6.5% · max 13.1%

77% positive

3-Year rolling

+0.87%

137 windows

min -1.5% · max 5.0%

86% positive

5-Year rolling

+0.78%

113 windows

min -0.3% · max 3.1%

95% positive

7-Year rolling

+0.75%

89 windows

min 0.0% · max 2.4%

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

8.56%

3-year · annualised

Sharpe ratio

-0.38

vs risk-free 6.5%

Sortino ratio

-0.61

Downside-only deviation

Max drawdown

-11.61%

Mar 2025 → Feb 2026

% positive months

61.1%

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 - Monthly	DSP	₹11.2656	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	₹12.0761
2 Jun 2026	₹12.0778
1 Jun 2026	₹12.0711
29 May 2026	₹12.0981
27 May 2026	₹11.9908
26 May 2026	₹11.9870
25 May 2026	₹11.9828
22 May 2026	₹11.9638
21 May 2026	₹11.9550
20 May 2026	₹11.9545

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 - Quarterly is ₹12.0761. 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 - Quarterly has NAV history starting from 13 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 - Quarterly 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 - Quarterly has delivered a absolute return of 4.22% — -25.74 pp behind the Credit Risk Fund category average of 29.96%. The fund ranks #21 of 41 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly has delivered a CAGR of 2.94% — -1.64 pp behind the Credit Risk Fund category average of 4.58%. The fund ranks #17 of 31 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly has delivered a CAGR of 2.10% — -3.09 pp behind the Credit Risk Fund category average of 5.19%. The fund ranks #17 of 28 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly exactly 10 years ago would be worth approximately ₹113,675 today — a multiplier of 1.14×, based on the 10-year CAGR of 1.29%. 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 - Quarterly over the last 5 years — total invested ₹600,000 — would be worth ₹652,664 today. That's an XIRR (money-weighted annualised return) of 3.32%.

A ₹10,000 monthly SIP for 10 years in DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly = ₹1,200,000 invested. It would currently be worth ₹1,337,937 (multiplier 1.11×). XIRR: 2.14%. 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 - Quarterly ranks #17 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 2.10%.

The worst peak-to-trough decline DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly has experienced over the last 5-year window is 11.61% — its NAV fell from a high on 31 Mar 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 - Regular Plan - IDCW - Quarterly averaged 0.78% (best 3.10%, worst -0.33%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is -0.54 — negative risk-adjusted performance.

In calendar year 2025, DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly returned 3.38% — lagging the Credit Risk Fund category average of 6.54% by 3.16 pp. It ranked #22 of 30 in its category that year.

DSP Credit Risk Fund - Regular Plan - IDCW - Quarterly 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 - Quarterly 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: 11.6%. 5-year CAGR: 2.10%.

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