Debt Credit Risk Fund Moderately High Risk
To seek to generate returns commensurate with risk from a portfolio constituted of money market securities and /or debt securities.
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Estimation is based on the past performance
| Credit Risk Fund | 1M | 3M | 6M | 9M | 1Y | 2Y | 3Y | 4Y | 5Y | 10Y | ALL |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund returns | 5.87% | 5.07% | 5.98% | 7.1% | 9.53% | 15.8% | 15.51% | 12.82% | 11.95% | 8.02% | 7.56% |
| Category returns | 1.5% | 2.14% | 3.88% | 5.58% | 7.61% | 9.39% | 8.71% | 7.95% | 9.21% | 6.41% | N/A |
| Absolute returns | 1.07% | 7.21% | 6.64% | 8.13% | 9.02% | 34.6% | 54.97% | 65.02% | 77.06% | 116.29% | 440.53% |
| Rank within category | 2 | 2 | 3 | 3 | 3 | 1 | 1 | 1 | 2 | 2 | N/A |
| Total Schemes in Category | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 13 | N/A |
| Credit Risk Fund | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Yearly returns | 10.6% | 6.43% | -2.63% | 4.39% | 4.83% | 2.87% | 9.25% | 15.59% | 7.8% | 21.04% | 6.38% |
| Q1 returns | 2.42% | 1.69% | 1.71% | 2.47% | 2.17% | 0.95% | 7.12% | 1.94% | 1.97% | 14.98% | -0.66% |
| Q2 returns | 2.26% | 2.03% | 0.31% | -0.38% | -1.33% | 1.04% | -0.55% | 1.88% | 1.73% | 2.94% | 7.08% |
| Q3 Returns | 3.49% | 1.87% | -1.2% | 0.35% | 2.81% | 0.45% | 1% | 1.65% | 2.18% | 0.96% | N/A |
| Q4 Returns | 2.03% | 0.69% | -3.4% | 1.92% | 1.15% | 0.39% | 1.54% | 9.5% | 1.7% | 1.28% | N/A |
Expense ratio: 1.01%
Inclusive of GST
Exit load
Nil for 10% of investment and 1% for remaining Investment on or before 12M, Nil after 12M
| Alpha | 0.70779 |
| Beta | 0.3353 |
| Sharpe Ratio | 0.291012 |
| Sortino Ratio | 1.77682 |
| R-Squared | 0.0102 |
| Tracking Error | 2.4283 |
| Downside Risk | 2.0907 |
| Std. Deviation (Annualised) | 8.2889 |
| Credit Risk Fund | 1M | 3M | 6M | 9M | 1Y | 3Y | 5Y | 10Y | ALL | Fund Size (Cr) | Expense Ratio | Sharpe | Risk |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| DSP Credit Risk Fund - Regular Plan - Growth Current | 5.87% | 5.07% | 5.98% | 7.1% | 9.53% | 15.51% | 11.95% | 8.02% | 7.56% | 222.83 | 1.23 | 0.28 | Moderately High |
| Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth | 0.94% | 2.04% | 6.69% | 8.99% | 11.83% | 11.81% | 9.74% | 8.43% | 8.49% | 1,178.19 | 1.66 | 0.49 | High |
| HSBC Credit Risk Fund - Regular Plan - Growth | 0.52% | 1.24% | 2.26% | 3.58% | 5.25% | 10.78% | 8.45% | 7.03% | 7.6% | 475.54 | 1.64 | 0.18 | Moderate |
| Bank of India Credit Risk Fund - Regular Plan - Growth | 5.87% | 6.98% | 13.42% | 15.37% | 16.91% | 9.56% | 27.66% | 2.44% | 3.14% | 100.26 | 1.38 | 0.12 | Moderately High |
| Invesco India Credit Risk Fund - Regular Plan - Growth | 1.84% | 2.18% | 3.4% | 4.47% | 5.98% | 8.13% | 6.93% | 5.66% | 6.26% | 159.38 | 1.45 | 0.23 | Moderate |
| ICICI Prudential Credit Risk Fund - Growth | 0.87% | 1.24% | 2.95% | 5.18% | 7.61% | 8.04% | 7.26% | 7.78% | 8.21% | 5,833.83 | 1.38 | 0.45 | High |
| Nippon India Credit Risk Fund - Growth | 0.71% | 1.65% | 2.84% | 4.59% | 7.15% | 8.02% | 8.33% | 5.92% | 6.45% | 1,057.55 | 1.48 | 0.54 | High |
| Axis Credit Risk Fund - Regular Plan - Growth | 0.71% | 1.58% | 2.87% | 4.94% | 7.01% | 7.61% | 6.63% | 6.68% | 7.17% | 351.04 | 1.57 | 0.38 | High |
| Baroda BNP Paribas Credit Risk Fund - Regular Plan - Growth | 0.52% | 1.43% | 2.49% | 4.28% | 6.34% | 7.54% | 8.32% | 7.46% | 7.8% | 174.61 | 1.61 | 0.39 | Moderately High |
| SBI Credit Risk Fund - Regular Plan - Growth | 0.57% | 1.69% | 2.79% | 4.34% | 6.26% | 7.39% | 6.81% | 7.14% | 7.45% | 2,138.91 | 1.55 | 0.30 | High |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Cash & Cash Equivalents and Net Assets | 12.46% |
| Government Securities | 16.22% | |
| Corporate Debt | 64.58% | |
| REITs & InvITs | 6.46% | |
| Alternative Investment Fund | 0.28% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 93.54% | |
| Transport Infrastructure | 6.46% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| TREPS / Reverse Repo Investments | Cash & Cash Equivalents and Net Assets | 14.83% | |
| 6.48% GOI 2035 | Government Securities | 9.99% | |
| Aditya Birla Renewables Limited** | Corporate Debt | 6.53% | |
| Roadstar Infra Investment Trust | Transport Infrastructure | REITs & InvITs | 6.46% |
| Tata Housing Development Company Limited** | Corporate Debt | 6.29% | |
| National Bank for Agriculture and Rural Development | Corporate Debt | 6.27% | |
| REC Limited** | Corporate Debt | 4.49% | |
| Tata Projects Limited** | Corporate Debt | 4.45% | |
| Nuvama Wealth Finance Limited** | Corporate Debt | 4.40% | |
| Piramal Finance Limited** | Corporate Debt | 4.34% | |
| JTPM Metal Traders Limited** | Corporate Debt | 4.32% | |
| GMR AIRPORTS LIMITED** | Corporate Debt | 4.31% | |
| Nuvoco Vistas Corporation Limited** | Corporate Debt | 4.28% | |
| Aadhar Housing Finance Limited** | Corporate Debt | 4.22% | |
| 6.92% GOI 2039 | Government Securities | 4.15% | |
| Adani Power Limited** | Corporate Debt | 4.13% | |
| Indostar Capital Finance Limited** | Corporate Debt | 2.21% | |
| 360 One Prime Limited** | Corporate Debt | 2.18% | |
| 360 One Prime Limited** | Corporate Debt | 2.16% | |
| 7.10% GOI 2034 | Government Securities | 2.08% | |
| SBI Funds Management Pvt Ltd/Fund Parent | Alternative Investment Fund | 0.28% | |
| Net Receivables/Payables | Cash & Cash Equivalents and Net Assets | -2.37% | |
| Total | 100.00% |
From April 01, 2023 onwards: AVP, Fixed Income Investments - DSP Asset Managers Private Limited From Jan 2017 to March 31, 2023 -AVP, Fixed Income Investments - DSP Investment Managers Private Limited From March 2012 – December 2016: Senior Credit Analyst - ICRA Limited.
Kunal has a total work experience of over 8 years. He joined DSP Asset Managers in August 2022 as part of the credit team and then moved into Fixed Income Dealing. He has previously worked with Mirae Asset Investment Managers and Futures First Info Services. He is a Chartered Accountant (ICAI India) and also holds a B.Com Degree (Honors) from SRCC (Delhi University).
RETURNS
It is an Open ended scheme that primarily invests in Credit Risk Fund.
To seek to generate returns commensurate with risk from a portfolio constituted of money market securities and /or debt securities.
The scheme benchmark is the CRISIL Credit Risk Debt Index
It is classified as Moderately High Risk, suitable for investors with a Moderately High risk appetite.
Returns Delivered by the funds are as follows:
1-year: 9.02%
3-year: 15.71%
5-year: 12.1%
Top holdings include names such as:
The NAV is around ₹54.17 (approx.) for the DSP Credit Risk Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹242 Cr.
The expense ratio for the Regular Plan is 1.01.
Nil for 10% of investment and 1% for remaining Investment on or before 12M, Nil after 12M.
Minimum SIP starts at ₹100.
The minimum lump sum investment is ₹100. Often platforms may require higher in practice, but the statutory minimum remains the same.
You can start a SIP through:
Broker/agent platform like Sharescart.
Enter KYC details, choose the Regular Growth option, set SIP amount/frequency, and submit.
Yes. You can modify your SIP amount or frequency anytime online through the Sharescart platform.
You can redeem online via the Sharescart platform — choose the scheme, select the amount/units, and submit. Proceeds are credited to your bank account.
The fund managers: Vivekanand Ramakrishnan, Shalini Vasanta, Kunal Khudania
This fund is suitable for investors with a Moderately High risk tolerance.
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