DSP Credit Risk Fund

Income-oriented debt or money-market exposure

The primary investment objective of the Scheme 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 achieved.

How the money may be invested

1. Investment in corporate bonds which are AA and below rated instruments: 65% - 100% 2. Investment in other debt and money market instruments: 0% - 35% 3. Units issued by InviTS: 0% - 10% For detailed asset allocation pattern, please refer to the Scheme Information Document

SEBI category

Credit Risk Fund

Fund type

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.

Primary benchmark

CRISIL Credit Risk Debt B-II Index

Use the latest monthly portfolio

Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.

Manager and scheme tenure

Fund manager(s)

Mr. Vivek Ramakrishnan, Mr. Shalini Vasanta, Mr. Kunal Khudania

Manager tenure on this scheme

Since Mr. Vivek Ramakrishnan - 17/07/2021, Mr. Shalini Vasanta - 01/01/2025, Mr. Kunal Khudania - 01/01/2026

Role / co-management

Mr. Vivek Ramakrishnan - Primary, Mr. Shalini Vasanta - Comanage, Mr. Kunal Khudania - Comanage

The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.

Latest NAV records

NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.

What you pay and how money moves

Stated expense ratio

Regular 1.22%, Direct 0.43%

Exit load

NIL - If the units redeemed or switched-out are upto 10% of the units purchased or switched-in within 12 months from the date of allotment, NIL - If units are redeemed or switched out on or after 12 months from the date of allotment, 1% - If units redeemed or switched-out are in excess of 10% of the units purchased or switched-in within 12 months from the date of allotment Note: No exit load shall be levied in case of switch of investments from Direct Plan to Regular Plan and vice versa.

Minimum application

100 · multiples of 1

SIP frequency

SIP - Daily / Weekly/ Monthly / Quarterly / Half-yearly / Yearly, SWP - Weekly / Monthly / Quarterly/ Half-yearly / Yearly, STP - Daily / Weekly / Monthly / Quarterly/ Half-yearly / Yearly

Minimum SIP amount

SIP, SWP, STP - Rs. 100/- for all frequencies

Minimum instalments

SIP - Minimum 12 installments for all frequencies, SWP & STP - Minimum 6 for all frequencies

How a mutual-fund investment is paid

1. Complete KYCIdentity, PAN, bank and contact verification are required.
2. Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
3. Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
4. Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
5. Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.

Download and verify at source

The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.

Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.