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DSP Credit Risk Fund

DSP Credit Risk Fund

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Benchmark: CRISIL Credit Risk Debt B-II Ind info icon

37.23K people have invested in this fund

View performance details

Return:

This fund

18.00%

CRISIL Credit Risk Debt B-II Ind

14.30%

CRISIL 10 Year Gilt Index

14.15%

Invested

Earning

This fund

18.00%

CRISIL Credit Risk Debt B-II Ind

14.30%

CRISIL 10 Year Gilt Index

14.15%

team 37.23K people have invested in this fund as of

This is a Debt Income, Credit Risk fund with CRISIL Credit Risk Debt B-II Index as its benchmark. The risk level for this fund is categorized as Moderately High Risk.

Total AUM

188.49 crores as of Nov 30, 2024

Age of Fund

11 years 11 months since Jan 01, 2013

Expense Ratio

0.4% as of Dec 10, 2024

Exit Load

NIL - If the units

Ideal holding period

3 Years+

Rolling Returns

Bars show distribution of returns in given range for selected time period

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Things to know before you invest

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What is in DSP Credit Risk Fund?

  1. DSP Credit Risk fund invests in a thoughtful mix of high yielding & lower-rated debt securities.
  2. It invests in debt instruments across different credit ratings, with at least 65% in AA and below rated securities.
  1. Earn potentially higher returns by taking risky credit exposure across corporate debt instruments over a 3 year+ investment horizon.
  2. AA & below rated papers have high risk of default. Thus, investing in fund where fund Manager follows robust due diligence process for evaluating companies can help reduce such risk.
  1. Consider this fund if you
    • Are an experienced investor with a well-set core portfolio & know what you're doing.
    • Prefer the stability of the debt market but are okay to expose yourself to credit risk.
    • Are willing & able to remain invested for at least 3 years.
    • Recognize that investing in a fund like this could also result in a short-term loss.
  1. Credit Risk Fund carries High Risk.
  2. High-yielding, lower rated debt securities can give higher returns but come with higher credit risk- you could lose your money if corporate get into financial trouble.
  3. Longer-duration debt securities can generate higher returns but come with higher interest rate risk.
  4. In rare or extreme scenarios, one may be unable to withdraw money even at a loss for short periods of time.

Fund managers:

Vivek Ramakrishnan

Vivek Ramakrishnan

Total work experience of 29 years. Managing this fund since July 2021.
Total work experience of 29 years. Managing this fund since July 2021.

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Laukik Bagwe

Laukik Bagwe

Total work experience of 24 years. Managing this fund since July 2016
Total work experience of 24 years. Managing this fund since July 2016

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Portfolio

Prescribed asset allocation: 65% - 100% Investment in corporate bonds which are AA and below rated instruments , 0% - 35% Investment in other debt and money market instruments , 0% - 10% Units of REITs & InvITs

Current Allocation

as of Nov 30, 2024

Top holdings

No Data to display

Top Sectors

No Data to display

Top holdings

No Data to display

Top holdings

6.79% GOI 2034

16.12%

Nirma Limited

8.50%

Aditya Birla Renewables Limited

8.13%

Nuvoco Vistas Corporation Limited

8.10%

JSW Steel Limited

8.08%

Cash & cash equivalents

0.26%

Credit rating profile

CRISIL AA

37.90%

SOV

21.70%

IND AA

13.60%

CARE AA

8.00%

ICRA AA

5.70%

Instrument break-up

Bonds & NCDs

76.10%

Government Securities (Central/State)

21.80%

TREPS

1.80%

Mutual-funds

0.30%


Indicators

Yield to Maturity

8.02 %

Modified Duration

2.51 Years

Portfolio Macaulay Duration

2.63 Years

Average Maturity

3.37 Years

Compare Performance

Performance highlights over last

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  • Historical Returnsas of with investment of10,000

This fund CRISIL Credit Risk Debt B-II I ^ CRISIL 10 Year Gilt In #
CAGR Current Value CAGR Current Value CAGR Current Value

Income distribution Cum Capital Withdrawal (IDCW) Distributed

Record Date IDCW per unit NAV Before NAV After

Chart type

Invested as

Invested Amount

Invested since

This fund

Vs

CRISIL Credit Risk Deb

CRISIL 10 Year Gilt In

Gold

PPF

Funds Annual returns Current Value Absolute Growth

Chart type:

Invested as

Invested Amount

Invested period

Funds Minimum Median Maximum % times -ve returns % times returns > 7%

Date of allotment: Jan 01, 2013.

Period for which fund's performance has been provided is computed based on last day of the month-end preceding the date of advertisement

Different plans shall have a different expense structure. The performance details provided herein are of Direct Plan.

Since inception returns have been calculated from the date of allotment till June 30, 2021

Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Rolling returns have been calculated based on returns from regular plan growth option.

^ Fund Benchmark # Additional Benchmark

Fund Details

Fund Details

Investment Objective

The primary investment objective is to seek to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities.
There is no assurance that the investment objective of the Scheme will be realized.

Fund Type

Debt – Income
Credit Risk Fund

An open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds).
A relatively high interest rate risk and relatively high credit risk.

Riskometer

Level of Risk in the fund

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Riskometer

Potential Risk Class Matrix : C-III

C-III is the potential risk class matrix of DSP Credit Risk Fund based on interest rate & credit risk.

team 37.23K peoplehave invested in this fund as of