Can I invest in SIP and Lumpsum in DSP Credit Risk Fund - Direct (G) Direct Growth?

Yes, you can invest both lumpsum and SIP in DSP Credit Risk Fund - Direct (G). Minimum lumpsum investment DSP Credit Risk Fund - Direct (G) is ₹100 and minimum SIP amount is ₹100 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of DSP Credit Risk Fund - Direct (G) Direct Growth?

The latest NAV ( Net Asset Value ) of DSP Credit Risk Fund - Direct (G) is DSP Credit Risk Fund - Direct (G) is ₹52.20 as on 2025-03-12.

Which are the biggest stock holdings of DSP Credit Risk Fund - Direct (G)?

The 5 biggest stock holdings of DSP Credit Risk Fund - Direct (G) are: A B Renewables (8.13%), Nuvoco Vistas (8.11%), JSW Steel (8.10%), Tata Housing (7.93%), Nirma (7.85%)

What are the top sectors DSP Credit Risk Fund - Direct (G) invests in?

A majority of DSP Credit Risk Fund - Direct (G) 's AUM worth ₹191.61 (Cr) is invested in these 3 top sectors: There is no data for Top 3 sector holdings in the portfolio!

Mutual Funds
AMC
DSP Credit Risk Fund - Direct (G)

DSP Credit Risk Fund - Direct (G)

Credit Risk Fund

Invest Now

NAV
52.20(0.04%)
Fund Size (CR)
₹191.61
Expense Ratio
0.4
Scheme Type
Active Fund
Value Research

Min. investment
₹100
Minimum Additional Investment
₹100
Minimum SIP Investment
₹100
Minimum Withdrawal
₹500
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
1%
Return Since Launch
9.01%

Absolute Return: 14.73%

Annualized Return: 0%

Basic Details

Scheme Manager

Vivek Ramakrishnan

Bench Mark

CRISIL Credit Risk Debt B-II Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	4 March 2025	10784.16	7.84%	-	1.26%	3/92
1 Month	11 February 2025	11333.61	13.34%	-	2.34%	5/92
3 Month	11 December 2024	11466.84	14.67%	-	3.46%	3/92
6 Month	11 September 2024	11714.96	17.15%	-	5.57%	3/92
1 Year	11 March 2024	12207.39	22.07%	22.07%	9.96%	4/92
3 Year	11 March 2022	15876.20	58.76%	16.64%	8.73%	4/91
5 Year	11 March 2020	17131.68	71.32%	11.36%	7.64%	1/92
Since Inception	2 January 2013	28641.57	186.42%	9.01%	6.88%	3/92

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	2 April 2024	1,20,000	140033.30	16.69%	16.69%
3 Year	4 April 2022	3,60,000	475472.98	32.08%	9.72%
5 Year	3 April 2020	6,00,000	871299.31	45.22%	7.75%
10 Year	6 April 2015	12,00,000	2021213.11	68.43%	5.35%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.80%

Standard Deviation

-0.05%

Beta

1.07%

Sharpe Ratio

4.32%

Treynor's Ratio

6.86%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
There's no data available of Stock Holdings

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
DSP Credit Risk Fund - Direct (G)	191.61	13.34%	14.67%	17.15%	22.07%	16.64%
DSP Credit Risk Fund - Direct (IDCW-W)	191.61	13.34%	14.67%	17.15%	22.32%	14.25%
DSP Credit Risk Fund - Direct (IDCW-D)	191.61	13.34%	14.69%	17.21%	22.22%	16.68%
DSP Credit Risk Fund - Direct (G)	191.61	13.34%	14.67%	17.15%	22.07%	16.64%
DSP Credit Risk Fund - Direct (IDCW-Q)	191.61	13.34%	14.67%	17.14%	22.02%	16.63%
DSP Credit Risk Fund - Direct (IDCW)	191.61	13.34%	14.67%	17.15%	19.69%	15.88%

List of Schemes under DSP Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
DSP Multicap Fund	Equity	Very High	6.81%	0	₹1,790.31
DSP Top 100 Equity Fund	Equity	Very High	11%	4	₹4,519.34
DSP Equity Opportunities Fund	Equity	Very High	8.79%	3	₹12,597.53
DSP Midcap Fund	Equity	Very High	6.22%	1	₹15,879.98
DSP Small Cap Fund	Equity	Very High	4.25%	2	₹13,276.88
DSP Value Fund	Equity	Very High	8.11%	3	₹877.02
DSP Focus Fund	Equity	Very High	11.4%	3	₹2,258.59
DSP India T.I.G.E.R. Fund	Equity	Very High	3.43%	3	₹4,464.74
DSP Natural Resources & New Energy Fund	Equity	Very High	-0.91%	0	₹1,125.17
DSP Healthcare Fund	Equity	Very High	13.04%	4	₹2,950.74
DSP Quant Fund	Equity	Very High	1.03%	0	₹944.97
DSP Banking & Financial Services Fund	Equity	Very High	17.08%	0	₹1,012.79
DSP Business Cycle Fund	Equity	Very High	0%	0	₹873.62
DSP ELSS Tax Saver Fund	Equity	Very High	9.93%	4	₹14,981.09
DSP Overnight Fund	Debt	Low	6.65%	4	₹1,898.64
DSP Liquidity Fund	Debt	Moderate	7.38%	4	₹22,386.69
DSP Ultra Short Fund	Debt	Moderately Low	7.78%	3	₹2,901.80
DSP Low Duration Fund	Debt	Moderately Low	7.61%	3	₹4,741.76
DSP Savings Fund	Debt	Moderate	7.47%	3	₹3,843.93
DSP Short Term Fund	Debt	Moderately Low	7.95%	3	₹2,785.03
DSP Bond Fund	Debt	Moderate	7.93%	3	₹302.82
DSP Strategic Bond Fund	Debt	Moderately Low	7.45%	3	₹1,678.48
DSP Corporate Bond Fund	Debt	Moderate	7.62%	1	₹2,762.58
DSP Credit Risk Fund	Debt	Moderately High	22.07%	5	₹191.61
DSP Banking & Psu Debt Fund	Debt	Moderately Low	7.45%	2	₹3,211.45
DSP Gilt Fund	Debt	Moderately High	7.58%	3	₹1,698.53
DSP 10Y G-Sec	Debt	Moderate	8.44%	0	₹57.13
DSP Floater Fund	Debt	Moderately Low	8.61%	2	₹575.01
DSP Regular Savings Fund	Hybrid	Moderately High	10.02%	3	₹162.42
DSP Aggressive Hybrid Fund	Hybrid	Very High	13.5%	3	₹9,794.68
DSP Dynamic Asset Allocation Fund	Hybrid	Moderately High	10.98%	3	₹3,105.84
DSP Multi Asset Allocation Fund	Hybrid	Very High	13.4%	0	₹2,603.61
DSP Arbitrage Fund	Hybrid	Low	7.74%	3	₹6,185.28
DSP Equity Savings Fund	Hybrid	Moderately High	10.54%	3	₹2,475.66
DSP Nifty 50 Equal Weight Index Fund	Other	Very High	-0.16%	4	₹1,827.38
DSP Nifty 50 Index Fund	Other	Very High	1.75%	2	₹631.28
DSP Nifty Next 50 Index Fund	Other	Very High	-1.55%	3	₹807.39
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund	Other	Moderate	8.19%	0	₹2,197.44
DSP Nifty Midcap 150 Quality 50 Index Fund	Other	Very High	3.13%	0	₹340.71
DSP CRISIL SDL Plus G-Sec Apr 2033 50:50 Index Fund	Other	Moderately High	8.49%	0	₹383.40
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund	Other	Moderate	8.09%	0	₹97.59
DSP Nifty Smallcap250 Quality 50 Index Fund	Other	Very High	-1.56%	0	₹175.73
DSP Nifty Bank Index Fund	Other	Very High	0%	0	₹43.47
DSP Nifty Top 10 Equal Weight Index Fund	Other	Very High	0%	0	₹1,384.33
DSP BSE SENSEX Next 30 Index Fund	Other	Very High	0%	0	₹6.76
DSP Nifty Private Bank Index Fund	Other	Very High	0%	0	₹0.00
DSP US Flexible Equity Fund of Fund	Other	Very High	4.95%	0	₹875.96
DSP Global Clean Energy Fund of Fund	Other	Very High	-6.82%	0	₹85.31
DSP World Gold Fund of Fund	Other	Very High	47.77%	0	₹1,057.53
DSP World Mining Fund of Fund	Other	Very High	6.64%	0	₹125.93
DSP Global Innovation Fund of Fund	Other	Very High	10.13%	0	₹949.04
DSP US Treasury Fund of Fund	Other	Very High	0%	0	₹62.64
DSP Income Plus Arbitrage Fund of Fund	Other	Moderate	9.39%	0	₹55.75
DSP Gold ETF Fund of Fund	Other	High	28.16%	0	₹76.35
DSP FMP - Series 264 - 60Mth - 17D	Debt	Moderate	8.03%	0	₹50.06
DSP FMP - Series 267 - 1246Days	Debt	Moderate	7.68%	0	₹672.43
DSP FMP - Series 268 - 1281Days	Debt	Moderately Low	7.87%	0	₹124.16
DSP FMP - Series 270 - 1144Days	Debt	Moderate	7.66%	0	₹182.60
DSP FMP - Series 271 - 1147Days	Debt	Moderate	0%	0	₹0.00
DSP Flexi Cap Fund	Equity	Very High	9.06%	3	₹10,319.57

News

DSP Mutual Fund announces IDCW & Income Distribution cum Capital Withdrawal (IDCW) under its schemes
DSP Mutual Fund has announced 06 March 2025 as the record date for declaration of IDCW under the following schemes. The proposed IDCW on the face value of Rs 10 per unit will be:
DSP Flexi Cap Fund - Regular Plan ' IDCW: 4.80
DSP Flexi Cap Fund - Direct Plan ' IDCW: 6.90
DSP Natural Resources and New Energy Fund - Regular Plan ' IDCW: 2.20
DSP Natural Resources and New Energy Fund - Direct Plan ' IDCW: 2.60
DSP Value Fund - Regular Plan - IDCW: 1.30
DSP Value Fund - Direct Plan - IDCW: 1.50
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DSP Mutual Fund announces IDCW & Income Distribution cum Capital Withdrawal (IDCW) under its scheme
DSP Mutual Fund has announced 28 February 2025 as the record date for declaration of IDCW under the following schemes. The proposed IDCW on the face value of Rs 10 per unit will be:
DSP Aggressive Hybrid Fund- Regular Plan ' IDCW & Direct Plan ' IDCW: 0.200 each.
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DSP MF announces Income Distribution cum Capital Withdrawal (IDCW) under four schemes
DSP Mutual Fund has announced 27 February 2025 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The amount of IDCW (Rs. per unit) on the face value of Rs 10 per unit will be:
DSP Equity Opportunities Fund ' Regular Plan ' IDCW Option: 3.100
DSP Equity Opportunities Fund ' Direct Plan ' IDCW Option: 8.800
DSP Multi Asset Allocation Fund ' Regular Plan ' IDCW Option: 0.600
DSP Multi Asset Allocation Fund ' Direct Plan ' IDCW Option: 0.600
DSP Healthcare Fund ' Regular Plan ' IDCW Option: 2.100
DSP Healthcare Fund ' Direct Plan ' IDCW Option: 2.300
DSP Quant Fund ' Regular Plan ' IDCW Option: 1.400
DSP Quant Fund ' Direct Plan ' IDCW Option: 1.500
DSP Arbitrage Fund ' Regular Plan ' IDCW Option: 0.600
DSP Arbitrage Fund ' Direct Plan ' IDCW Option: 0.600
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Fund House Details & Investment Objective

Date of Incorporation

1 January 2013

Total AUM (Cr)

₹191.61

DSP Credit Risk Fund - Direct (G) is an Credit Risk Fund-oriented fund from the renowned AMC, DSP Mutual Fund. Launched in 1 January 2013, this fund is managed by Vivek Ramakrishnan. With assets under management (AUM) worth ₹191.61 (Cr), as of 12 March 2025, DSP Credit Risk Fund - Direct (G) is categorized as a Credit Risk Fund within its segment. The fund has generated a return of 9.01% since its launch.
The current NAV of DSP Credit Risk Fund - Direct (G) is ₹52.2, as on 12 March 2025. The fund's benchmark index is CRISIL Credit Risk Debt B-II Index. You can invest in DSP Credit Risk Fund - Direct (G) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹100.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
If the units redeemed of switched out are upto 10% of the units (the limit) purchased or switched-in within 12 months from the date allotment:NIL 1.00% - If redeemed/switched out within 12 months from the date of allotment. Nil - If redeemed/switched out after 12 months from the date of allotment. The fund has generated 16.64% and 11.36% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 99.44% in Debt and 0.56% in cash and cash equivalents.

FAQs

How to Invest in DSP Credit Risk Fund - Direct (G) Direct Growth?

DSP Credit Risk Fund - Direct (G) is a popular fund in the Credit Risk Fund segment. The fund has generated a return of 9.01% since inception. Looking to invest in DSP Credit Risk Fund - Direct (G) How about earning 1% extra return? All this is possible with m.Stock! Investing in DSP Credit Risk Fund - Direct (G) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, DSP Credit Risk Fund - Direct (G)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in DSP Credit Risk Fund - Direct (G) today and reap the benefits of this Credit Risk Fund fund!

How much returns has DSP Credit Risk Fund - Direct (G) Direct Growth generated?

In the short term, i.e., 1 year, DSP Credit Risk Fund - Direct (G) has generated annualised return of 22.07%. In the long-term, the fund has generated 16.64% and 11.36% in 3 and 5 years respectively. Since its inception, the fund has generated 9.01% returns.

What is the expense ratio of DSP Credit Risk Fund - Direct (G) Direct Growth?

The expense ratio of DSP Credit Risk Fund - Direct (G) Direct Growth is 0.40%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of DSP Credit Risk Fund - Direct (G) Fund Direct Growth?

The Assets Under Management (AUM) of DSP Credit Risk Fund - Direct (G) is ₹191.61 (Cr) as of 2025-03-12 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from DSP Credit Risk Fund - Direct (G) Direct Growth?

Redeeming or selling units of DSP Credit Risk Fund - Direct (G) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from DSP Credit Risk Fund - Direct (G):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case DSP Credit Risk Fund - Direct (G)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).