Markets / Mutual funds / Credit Risk
DSP Mutual Fund · Debt fund · Regular plan · IDCW
Debt fund in the Credit Risk category, from DSP Mutual Fund.
Bars: this plan; the thin mark is the Credit Risk average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | +0.4 | |||||||||||
| 2025 | -0.4 | +5.2 | +3.2 | -3.3 | +0.2 | +0.2 | -0.6 | -0.5 | +0.5 | -0.5 | +0.4 | -0.4 |
| 2026 | -0.0 | -0.9 | +0.1 | -0.2 | +1.0 | -0.0 | -0.1 | -0.0 | +0.1 | -0.1 | +0.5 |
Each month's change in NAV (the current month to the latest NAV).
Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.
| Share of fund | 30 Sept 2026 | 31 Aug 2026 | Change |
|---|---|---|---|
| Short positions | -1.8% | -1.8% | +0.07 |
| Debt | 86.0% | 88.0% | -1.93 |
| Money market | 7.5% | 7.9% | -0.35 |
| Cash & others | 6.5% | 4.2% | +2.28 |
Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.
| Holding | % of fund |
|---|---|
| Net Receivables/Payables | -1.77% |
| Holding | % of fund |
|---|---|
| 6.94% GOI 11052036 IN0020260025 | 10.85% |
| TREPS / Reverse Repo Investments | 7.98% |
| Kotak Mahindra Bank Limited INE237AD6133 | 7.50% |
| Aditya Birla Digital Fashion Ventures Limited** INE0M8D08032 | 6.18% |
| Nuvoco Vistas Corporation Limited INE118D08078 | 6.09% |
| Adani Airport Holdings Limited** INE0GCN07054 | 6.08% |
| GMR Airports Limited** INE776C08075 | 5.05% |
| JTPM Metal Traders Limited** INE02PE08036 | 4.97% |
| Tata Housing Development Co Limited** INE582L08078 | 4.80% |
| Aditya Birla Renewables Limited** INE01QP08016 | 4.61% |
| GMR Airports Limited** INE776C08083 | 3.34% |
| Piramal Finance Limited** INE202B07JW4 | 3.33% |
| Aadhar Housing Finance Limited** INE883F07330 | 3.24% |
| Kogta Financial India Limited** INE192U07392 | 3.15% |
| Tata Projects Limited** INE725H08196 | 3.15% |
| Nuvama Wealth Finance Limited** INE918K07PY9 | 3.11% |
| Tata Projects Limited** INE725H08295 | 3.08% |
| Adani Power Limited** INE814H07190 | 3.06% |
| Adani Power Limited** INE814H07208 | 3.05% |
| 360 One Prime Limited** INE248U07GC5 | 1.66% |
| National Bank For Agriculture & Rural Development INE261F08EK5 | 1.60% |
| REC Limited** INE020B08BU9 | 1.59% |
| 7.10% GOI 08042034 IN0020240019 | 1.58% |
| 360 One Prime Limited** INE248U07GA9 | 1.54% |
| Tata Projects Limited** INE725H08287 | 0.93% |
| SBI Funds Management Pvt Limited/Fund Parent INF0RQ622028 | 0.25% |
From the fund house's monthly portfolio (dspim.com), as on 30 Sept 2026. Percentages are of the fund's net assets; short positions are negative. Published about ten days after each month ends.
Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).
| Fund size (average AUM, July - September 2026) | ₹304 cr across all plans · this plan ₹1.28 cr |
| Fund house | DSP Mutual Fund |
| Category | Debt · Credit Risk |
| Plan | Regular |
| Option | IDCW |
| Expense ratio (TER) | Direct 0.42% · Regular 1.19% (5 Nov 2026) |
| Scheme code (AMFI) | 117061 |
| ISIN | INF740K01JW6 |
| NAV date | 6 Nov 2026 |
| Plan | NAV | 1 year |
|---|---|---|
| Direct · Growth | ₹61.1790 | +10.66% |
| Direct · IDCW | ₹12.8243 | +4.72% |
| Direct · IDCW | ₹11.2474 | +0.43% |
| Direct · IDCW | ₹11.5907 | +0.38% |
| Direct · IDCW | ₹11.1241 | 0.00% |
| Direct · IDCW | ₹11.1243 | 0.00% |
| Regular · Growth | ₹55.4518 | +9.79% |
| Regular · IDCW | ₹11.1236 | 0.00% |
| Regular · IDCW | ₹12.7067 | +4.69% |
| Regular · IDCW | ₹11.1243 | 0.00% |
| Regular · IDCW | ₹11.5115 | +0.85% |
| Fund | 1 year | 3 years (a year) |
|---|---|---|
| DSP Credit Risk Fund | +9.79% | +12.93% |
| Aditya Birla Sun Life Credit Risk Fund | +10.61% | +12.09% |
| HSBC Credit Risk Fund | +5.23% | +10.82% |
| BANK OF INDIA CREDIT RISK FUND | +17.15% | +10.06% |
| BANK OF INDIA CREDIT RISK FUND | +16.65% | +9.64% |
| Axis Credit Risk Fund | +7.77% | +8.81% |
| Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1) | +7.53% | +8.39% |
| ICICI Prudential Credit Risk Fund | +6.73% | +8.29% |
Information only, not investment advice.
₹11.3004 as of 6 Nov 2026, from AMFI's official NAV data.
1 year: 0.33%, 3 years: 1.81% a year, 5 years: 1.35% a year
Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.