About DSP Credit Risk Fund
DSP Credit Risk Fund is a credit risk fund managed by DSP Mutual Fund. Invest at least 65% in corporate bonds rated below the highest grade, aiming for higher interest in exchange for higher default risk.
An Open ended income Scheme, seeking to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities.
The scheme's stated objective, as published by DSP Mutual Fund.
The NAV (net asset value) is the price of one unit of the fund. It is published by the fund house every business day and changes with the value of the fund's holdings. The Growth option reinvests all gains, so its NAV reflects the fund's total return.
Tax on your gains
Gains on debt fund units bought on or after 1 April 2023 are added to your income and taxed at your slab rate, however long you hold them. Units bought before that date follow the older long-term rules.
Work out what you would owe with the capital gains tax calculator.
Every plan and option, with scheme codes
| Plan | Option | NAV | Scheme code |
|---|---|---|---|
| Direct | Growth | ₹61.2069 | 119082 |
| Direct | Daily IDCW | ₹11.1195 | 119087 |
| Direct | IDCW | ₹12.8301 | 119083 |
| Direct | Monthly IDCW | ₹11.2526 | 119084 |
| Direct | Quarterly IDCW | ₹11.596 | 119085 |
| Direct | Weekly IDCW | ₹11.1194 | 119086 |
| Regular | Growth | ₹55.4689 | 101837 |
| Regular | Daily IDCW | ₹11.1185 | 101840 |
| Regular | IDCW | ₹12.7106 | 101839 |
| Regular | Monthly IDCW | ₹11.3039 | 117061 |
| Regular | Quarterly IDCW | ₹11.515 | 117062 |
| Regular | Weekly IDCW | ₹11.119 | 101838 |
Frequently asked questions
What is the NAV of DSP Credit Risk Fund today?
The NAV of DSP Credit Risk Fund (Direct plan, Growth) is ₹61.2069 and the Regular plan NAV is ₹55.4689, as of 13 Nov 2026.
What returns has DSP Credit Risk Fund given?
Over the last year the Direct plan returned 10.58%, and 13.75% a year over 3 years and 13.42% a year over 5 years. That places it 1 of 13 funds in its category over 3 years. Past returns do not guarantee future returns.
What is the expense ratio of DSP Credit Risk Fund?
The Direct plan charges 0.43% a year, as disclosed on 30 Sept 2026. The fee is already taken out of the NAV, so the returns above are what you keep.
What is the minimum SIP amount in DSP Credit Risk Fund?
You can start a monthly SIP with ₹100, or invest a lump sum of ₹100 or more.
How much has DSP Credit Risk Fund fallen in the past?
Its deepest fall was 6% from 3 Sept 2018 to 18 Dec 2018. Of every one-year stretch in its history, 91% ended in a gain.
Which category does DSP Credit Risk Fund belong to?
It is a Credit Risk Fund from DSP Mutual Fund. Invest at least 65% in corporate bonds rated below the highest grade, aiming for higher interest in exchange for higher default risk.
What is the difference between the Direct and Regular plan?
Both invest in the same portfolio. The Direct plan is bought straight from the fund house or a direct platform and has a lower expense ratio because no distributor commission is paid, so its NAV grows slightly faster over time.
How are gains from DSP Credit Risk Fund taxed?
Gains on debt fund units bought on or after 1 April 2023 are added to your income and taxed at your slab rate, however long you hold them. Units bought before that date follow the older long-term rules.
Source: NAVs published by the fund house through AMFI. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns. This page is for information only and is not a recommendation to buy or sell.