Two funds walk into a table. Only the numbers talk.
Bank of India Credit Risk Fund vs DSP Credit Risk Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- ABank of India Credit Risk Fund
Bank of India Mutual Fund- Credit Risk Fund
- Direct plan
- Moderately High Risk
NAV ₹15.01 on 13 Nov 2026
- BDSP Credit Risk Fund
DSP Mutual Fund- Credit Risk Fund
- Direct plan
- Moderate Risk
NAV ₹61.21 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 10 years all of them have been around.
Grew faster
BDSP Credit Risk Fund
DSP Credit Risk Fund returned 8.6% a year over 10 years, against 1.3% for Bank of India Credit Risk Fund. ₹1 lakh invested 10 years ago would be about ₹2.29 Lakh today, against ₹1.14 Lakh.
Smoother ride
ABank of India Credit Risk Fund
Bank of India Credit Risk Fund swung the least: about 4.4% a year either way, against 6.2% for DSP Credit Risk Fund. Lower means fewer scary days.
Fell less in a crash
BDSP Credit Risk Fund
At its worst, DSP Credit Risk Fund fell 6% from its peak, against 49.9% for Bank of India Credit Risk Fund. On ₹1 lakh, that's a dip to ₹50,148 at the bottom for Bank of India Credit Risk Fund. Could you have held on?
More consistent
BDSP Credit Risk Fund
Pick any day in the past and hold for a year: DSP Credit Risk Fund ended up in profit 91% of the time, against 83% for Bank of India Credit Risk Fund.
Costs less
BDSP Credit Risk Fund
DSP Credit Risk Fund charges 0.43% a year, against 0.61% for Bank of India Credit Risk Fund. On ₹1 lakh that's ₹430 a year against ₹610, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- ABank of India Credit Risk Fund₹15,435 from ₹10,000(9.1% a year)
- BDSP Credit Risk Fund₹18,755 from ₹10,000(13.4% a year)
A one-time ₹10,000 put in 5 years ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
ABank of India Credit Risk Fund
- Strength: In the top quarter of its category over 5 years (#3 of 12)
- Strength: Beat a 5-year SBI FD: 9.1% a year over 5 years, against 6.05%
- Watch out: Swings more than most funds in its category
- Watch out: Fell harder than its category in the worst crash
- Watch out: Small fund (₹74 Cr), often newer or less tested
BDSP Credit Risk Fund
- Strength: Ahead of its category: 13.4% a year over 5 years, against a category average of 8.3%
- Strength: In the top quarter of its category over 5 years (#1 of 12)
- Strength: Beat a 5-year SBI FD: 13.4% a year over 5 years, against 6.05%
- Strength: Fell less than its category in the worst crash
- Strength: Low cost: 0.43% a year
- Watch out: Swings more than most funds in its category
- Watch out: Small fund (₹326 Cr), often newer or less tested
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | ABank of India Credit Risk Fund | BDSP Credit Risk Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 17.1%Best#1 of 13 · avg 8.1% | 10.6%#3 of 13 · avg 8.1% |
| 3 yearsPer year, over a full market mood swing | 10.1%#4 of 13 · avg 9.5% | 13.7%Best#1 of 13 · avg 9.5% |
| 5 yearsPer year, the fairest single test | 9.1%#3 of 12 · avg 8.3% | 13.4%Best#1 of 12 · avg 8.3% |
| 10 yearsPer year, across bull and bear markets | 1.3%#11 of 11 · avg 6.7% | 8.6%Best#2 of 11 · avg 6.7% |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 4.4%Bestcategory avg 2.4% | 6.2%category avg 2.4% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −49.9%category avg −10.2% | −6%Bestcategory avg −10.2% |
| Best 12 monthsIts strongest year | 18% | 24.4%Best |
| Worst 12 monthsIts weakest year | -49.1% | -3.9%Best |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 83% | 91%Best |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 0.61% | 0.43%Best |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹74 Cr | ₹326 Cr |
| Minimum SIPSmallest monthly amount | – | ₹100 |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
ABank of India Credit Risk Fund
Might suit you if…
- a smoother ride matters more to you than the top return
BDSP Credit Risk Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
- a smoother ride matters more to you than the top return
- you may need the money at short notice and want better odds of being in profit
- you care about keeping costs low, which adds up over decades