DSP Credit Risk Fund Regular Growth - Latest NAV ₹29.7479, Returns, Performance & Portfolio

DSP Credit Risk Fund Regular Growth

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Min amount: ₹500

Calculate Returns

Rs. 1,000 invested monthly becomes Rs. 4.01 Lakhs in a period of 20 years

Fund Summarystar

PeriodReturns(per year)
10 Years6.93%
5 Years4.75%
3 Years1.98%
1 Year5.32%
6 Months1.6%
Fund Details
RiskModerate Risk
Fund TypeCredit Risk
Exit Load1% for 365 Days

More about this fundstar

Top HoldingsWeightage
Essar Oil Limited46.49%
Sintex-BAPL Limited2.95%
Sintex-BAPL Limited2.95%
Sintex-BAPL Limited2.95%
Tata Motors Limited0.16%
Bharti Airtel Limited0.06%

About DSP Credit Risk Fund

The Scheme is an open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds). The Scheme has an AUM of Rs 5,383 crore as on 30 November 2018.

Pros & Cons of DSP Credit Risk Fund

DSP Credit Risk Fund offers following features: 1. The Scheme has provided annualized CAGR return of 6.95% since inception however the scheme has underperformed in 1 year, 3 year and 5 year horizon compared to the benchmark index. 2. The Scheme has at least 65% of investments in less than AA rated bonds. 3. Credit-risk funds have higher liquidity risk. If a bond with lower rating defaults or faces a downgrade, it may be difficult for the fund manager to exit this holding.

Fund Information and Statistics of DSP Credit Risk Fund

i) Inception / Launch date

The Scheme was launched by DSP Mutual Fund house on 13 May 2013 and benchmarked against 50% of Crisil Short Term Bond Fund Index and 50% of Crisil Composite Bond Fund Index.

ii) Risk level

Being a debt fund, the scheme is moderately risky and suitable if the recommended investment horizon is 3 years or more.

iii) Redemption

The fund house despatches the redemption proceeds within 2 business days from the date of acceptance of redemption request under normal circumstances.

iv) Fund Manager

The Scheme is currently being co-managed by Mr. Pankaj Sharma and Mr. Laukik Bagwe who are managing the scheme since July 2016.

v) Entry / Exit load

10% of the units can be redeemed/switched out without an exit load from the date of the allotment. Exit load of 1% is payable if units are redeemed/switched out within 1 year from date of allotment in excess of 10% of units. No exit load is charged by the fund house if redeemed/switched out after 1 year from the date of allotment. No entry load is charged by the fund house.

Tax benefits of investing in DSP Credit Risk Fund

Long term capital gains are taxed at the rate of 20% after indexation (if held for 36 months or more). Short term gains are added to income and subject to short term capital gain tax as per income tax slab under the Act. Thus, holding for more than 3 years recommended availing tax benefits.

About DSP Mutual Fund

DSP Mutual Fund is one of the leading mutual fund house in India and was set-up on 16 December 1996. The fund house was earlier known as DSP BlackRock Mutual Fund and manages assets in excess of Rs 95,000 crores across more than 40 schemes under fixed income, equity and hybrid categories.

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Frequently Asked Questions

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Start your investment

Min amount: ₹500

Calculate Returns

Rs. 1,000 invested monthly becomes Rs. 4.01 Lakhs in a period of 20 years
Moderate Risk

All investments come with risk. Risk is the volatility or fluctuation in the price (and returns) of the investment. Usually,

  • High Risk = High possible returns
  • Low Risk = Stable, relatively lower returns