DSP Credit Risk Fund Direct Growth

DSP Credit Risk Fund Direct Growth

NAV as on 28-03-2025

₹ 52.56

0.1%

1D

Inception Returns

9%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
3 people have invested ₹ 1.1K in DSP Credit Risk Fund Direct Growth in the last three months

About DSP Credit Risk Fund Direct Growth

DSP Credit Risk Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Vivek Ramakrishnan. This fund is suitable to keep your money safe.

Key Parameters

  1. DSP Credit Risk Fund Direct Growth has ₹207 Cr worth of assets under management (AUM) as on Dec 1969 and is less than category average.
  2. The fund has an expense ratio 0.4.

Returns

DSP Credit Risk Fund Direct Growth has given a CAGR return of 9.05% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 22.50%, 16.83% and 11.49% respectively.

Holdings

DSP Credit Risk Fund Direct Growth has allocated its funds majorly in Financial Services, Corporate, Government, Cash Equivalent. Its top holdings are Aditya Birla Renewables Limited, Nuvoco Vistas Corporation Limited, JSW Steel Limited, 7.02% Govt Stock 2031, 6.92% Govt Stock 2039

Taxation

As it is a credit risk mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of DSP Credit Risk Fund Direct Growth

An Open ended income Scheme, seeking to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 500.00. DSP Credit Risk Fund Direct Growth has no lock in period.

DSP Credit Risk Fund Direct Growth Overview

Expense ratio0.4%
Benchmark
CRISIL Short Term Bond Fund TR INR
AUM₹207 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP--/--
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
363.76%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderately High risk

Trailing Returns

as on (28-Mar-25)

Period
DSP Credit Risk Fund Direct Growth
Credit Risk Index
1M
8.7%
0.7%
3M
15.3%
2.5%
6M
17.4%
4%
1Y
22.5%
8.1%
3Y
16.8%
9.5%
5Y
11.5%
7.5%

Fund Distribution

as on (31-Dec-69)

  • Debt & Cash 90.3%

AA
73.8%

AAA
26.2%

Sector Allocation

Feb'25

Jan'25

Dec'24

Corporate
74.1%
Government
18.8%
Cash Equivalent
7.1%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 191.6 Cr
₹ 189.7 Cr
₹ 189.2 Cr
  • AUM of the fund stands at 191.6 Cr as of Feb'25
  • AUM increased by 1.9 Cr between Feb'25 and Jan'25
Top Stocks bought last month
Indostar Capital Finance Limited's allocation increased from 5.34% to 5.37%
Indostar Capital Finance Limited's allocation increased from 5.34% to 5.37%
JSW Steel Limited's allocation increased from 8.08% to 8.1%
JSW Steel Limited's allocation increased from 8.08% to 8.1%
Nirma Limited's allocation increased from 8.5% to 8.53%
Nirma Limited's allocation increased from 8.5% to 8.53%
Top Stocks sold last month
Aditya Birla Renewables Limited's allocation decreased from 8.13 % to 8.13 %
Aditya Birla Renewables Limited's allocation decreased from 8.13 % to 8.13 %
Tata Housing Development Co Ltd.'s allocation decreased from 8.01 % to 7.93 %
Tata Housing Development Co Ltd.'s allocation decreased from 8.01 % to 7.93 %
Cash allocation has gone up from 4.6% to 7.1%
Cash allocation has gone up from 4.6% to 7.1%
Debt allocation has gone down from 95% to 92.6%
Debt allocation has gone down from 95% to 92.6%

Top 3 Sectors in February were Financial Services, Corporate & Government

Feb'25
Financial Services
100%
Corporate
74%
Government
19%
Jan'25
Financial Services
100%
Corporate
76%
Government
19%
  • Debt & Cash

Holdings
Weight%
1M Change
Aditya Birla Renewables Limited
Aditya Birla Renewables Limited
7.56%
0%
Nuvoco Vistas Corporation Limited
Nuvoco Vistas Corporation Limited
7.55%
0%
JSW Steel Limited
JSW Steel Limited
7.54%
0%
7.02% Govt Stock 2031
7.02% Govt Stock 2031
7.5%
0%
6.92% Govt Stock 2039
6.92% Govt Stock 2039
7.48%
0%
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Vivek Ramakrishnan
Vivek Ramakrishnan
Fund Manager of DSP Credit Risk Fund Direct Growth, since 17 July 2021
Fund House
DSP Asset Managers Private Limited
Total Schemes
Total AUM
₹1.28L Cr
as on 30-Sep-2023
Address
India
Phone
91-22-66578000
Website
service@dspblackrock.com

Mutual Fund Insights

Insights icon
This fund has one of the lowest expense ratio in the category (credit risk). Its expense ratio is 0.4% which is lower than the category average expense ratio of 1.2%.
Insights icon
In the last 3 years, this fund has outperformed all funds in its category.
Insights icon
In the last 5 years, this fund has outperformed all funds in its category.
Insights icon
Over the last 1 month, this fund has experienced a 12.7% growth in AUM moving from 183.25 Cr to 206.52 Cr.
Insights icon
In the last 1 year, this fund has outperformed all funds in its category.

DSP Credit Risk Fund Direct Growth Highlights

Risk meter
pointer

Moderately High risk

Investors understand that their principal will be at Moderately High risk
About the fund

About the fund

This fund has delivered an average annual returns of 9.05% since inception which is more than its category average return of 6.14%
AUM size ₹207 Cr

AUM size ₹207 Cr

This fund has AUM of ₹207 Cr which is less than its category average of ₹ 1204 Cr
Expense Ratio 0.4%

Expense Ratio 0.4%

This fund has an expense ratio of 0.4% which is less than its category average expense ratio of 1.16%

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5Y CAGR

▲ 7.18

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Frequently Asked Questions for DSP Credit Risk Fund Direct Growth

The current NAV of DSP Credit Risk Fund Direct Growth is ₹52.56 as on 28-Mar-2025.
Existing (Absolute + CAGR) as on 28-Mar-2025.
DSP Credit Risk Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
8.66%
8.66%
6 Month Returns
17.44%
17.44%
1 Year Returns
22.5%
22.5%
3 Years Returns
59.47%
16.83%
5 Years Returns
72.29%
11.49%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.4% as on March 2025
₹207 Cr as on March 2025
Aditya Birla Renewables Limited(7.56%), Nuvoco Vistas Corporation Limited(7.55%), JSW Steel Limited(7.54%), 7.02% Govt Stock 2031(7.5%), 6.92% Govt Stock 2039(7.48%) as on March 2025
Corporate(74.37%), Government(21.66%), Cash Equivalent(3.97%) as on March 2025
Yield to Maturity is 7.96 as on March 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.
Modified Duration is 2.2 as on March 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.
AA
73.83
AAA
26.17
Vivek Ramakrishnan is the fund manager of DSP Credit Risk Fund Direct Growth
The Exit load of DSP Credit Risk Fund Direct Growth is 1%