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DSP Credit Risk Fund(Q-IDCW Reinv)

IDCW
11.300.10% (+0.01)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

DSP Credit Risk Fund(Q-IDCW Reinv)

IDCW
DebtCredit Risk Fund
Small-size FundAssets Under Mgmt: ₹ 191 Cr
Moderately High RiskPrinciple investment will be at moderately high risk
11.300.10% (+0.01)

Price Chart

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Low
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Returns
0.00%
1M
6M
1Y
3Y
5Y
Max
SIP
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1M
6M
1Y
3Y
5Y
Max
SIP
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

DebtCredit Risk Fund
Small-size FundAssets Under Mgmt: ₹ 191 Cr
Moderately High RiskPrinciple investment will be at moderately high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.408.101.59
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.138.224.97

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
IDCW0 yrs1.00%
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Not allowedNot allowed
BenchmarkBenchmark
CRISIL Credit Risk Debt Index

About Credit Risk Fund

Credit risk funds are the debt funds which majorly lend money to low rated companies. The companies have to pay higher interest for their low rating which makes the fund more riskier as compared to other debt funds.

Peers & Comparison

Comparing 3 mutual funds from 
DebtCredit Risk Fund

Returns

Scheme

Ratios

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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
DSP Credit Risk Fund(Q-IDCW Reinv)1.10%1.06%0.95%
HDFC Credit Risk Debt Fund-(Q-IDCW Reinv)1.45%-0.20%0.74%
ICICI Pru Credit Risk Fund(Q-IDCW Payout)0.50%-0.02%1.04%
SBI Credit Risk Fund(IDCW-Payout)8.53%7.12%5.08%

Price Comparison

Compare DSP Credit Risk Fund(Q-IDCW Reinv) with any MF, ETF, stock or index
Compare DSP Credit Risk Fund(Q-IDCW Reinv) with any MF, ETF, stock or index
DSP Credit Risk Fund(Q-IDCW Reinv)
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Asset Allocation

Actual

Target

Dec 2023

Mar 2024

Jun 2024

Aug 2024

ACTUAL
Cash & EquivalentsGovernment SecuritiesCorporate Debt0.32%5.35%21.69%72.64%

Dec 2023

Mar 2024

Jun 2024

Aug 2024

Tickertape Separator

Sector Distribution

+6 moreFMCG - Household ProductsInvestment Banking & BrokerageDiversified ChemicalsConstruction & EngineeringG-Sec30.04 %8.21 %11.03 %13.28 %15.75 %21.69 %

Dec 2023

Mar 2024

Jun 2024

Aug 2024

Tickertape Separator

Sector Weightage

Jun 23Sep 23Dec 23Mar 24Jun 24Aug 2412.42%15.78%12.35%18.26%18.71%21.69%
G-Sec as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • 7.10% GOI 2034
    Sov
    3M change : 2.99 %|Sov

    Holdings

    10.93 %

    2.99 %
  • Nirma Limited**
    CRISIL AA
    3M change : 0.23 %|CRISIL AA

    Holdings

    8.21 %

    0.23 %
  • JSW Steel Limited**
    IND AA
    3M change : 0.19 %|IND AA

    Holdings

    8.14 %

    0.19 %

AMC Profile

DSP Investment Managers is an independent Indian AMC started in 1996. The DSP group (which owns the AMC) is a 150+ year old financial company which started stock broking as early as the 1860s. Since its inception, the fund house has grown to become one of India's premier AMCs with a track record of over 20 years.

  • No.of Schemes

    57

  • Total AUM

    ₹ 1,76,826.16 Cr.

Fund Manager Profile

Laukik Bagwe

AUM:  ₹31,267.83 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 13yrs

Qualification

B.Com., PGDBA(Finance)

Past Experience

Mr.Laukik Bag brings with him a total work experience of 11 years in debt broking and is currently the fund manager for the following schemes of DSP BlackRock Mutual Fund. He joined the firm in November 2007 as a Fixed Income Dealer. From November 2003 to October 2007, Laukik worked with Derivium Capital & Securities Pvt. Ltd. as the Head of Fixed Income Trading - SLR & NONSLR Broking. From June 2000 to October 2003, he worked with Birla Sunlife Securities Ltd. as a Manager - SLR & NONSLR Broking.

Funds Managed (104)

DSP Ultra Short Fund-Reg(IDCW-Reinv)

IDCW
0.80%
0.74%
1.02%

DSP Short Term Fund-Reg(IDCW-Reinv)

IDCW
0.53%
0.58%
0.93%

DSP Credit Risk Fund-Reg(Q-IDCW Reinv)

IDCW
1.01%
0.99%
1.20%

DSP Corp Bond Fund(Q-IDCW Reinv)

IDCW
1.32%
0.68%
0.28%

DSP Corp Bond Fund(M-IDCW Reinv)

IDCW
0.63%
0.28%
0.28%

DSP Corp Bond Fund-Reg(M-IDCW Reinv)

IDCW
0.61%
0.26%
0.54%

DSP Corp Bond Fund(IDCW-Reinv)

IDCW
0.40%
0.79%
0.28%

DSP Corp Bond Fund-Reg(Q-IDCW Reinv)

IDCW
1.29%
0.66%
0.54%

DSP Corp Bond Fund-Reg(IDCW-Reinv)

IDCW
0.38%
0.78%
0.54%

DSP 10Y G-Sec Fund(M-IDCW Reinv)

IDCW
0.77%
0.47%
0.31%

DSP 10Y G-Sec Fund(Q-IDCW Reinv)

IDCW
1.89%
1.07%
0.31%

DSP 10Y G-Sec Fund(IDCW-Reinv)

IDCW
1.02%
1.29%
0.31%

DSP Corp Bond Fund(Q-IDCW)

IDCW
1.32%
0.68%
0.28%

DSP Corp Bond Fund(M-IDCW)

IDCW
0.63%
0.28%
0.28%

DSP Corp Bond Fund(IDCW)

IDCW
0.40%
0.79%
0.28%

DSP Corp Bond Fund-Reg(IDCW)

IDCW
0.38%
0.78%
0.54%

DSP Corp Bond Fund-Reg(Q-IDCW)

IDCW
1.29%
0.66%
0.54%

DSP Corp Bond Fund-Reg(M-IDCW)

IDCW
0.61%
0.26%
0.54%

DSP Credit Risk Fund-Reg(IDCW-Reinv)

IDCW
0.53%
1.09%
1.20%

DSP 10Y G-Sec Fund-Reg(IDCW-Reinv)

IDCW
1.01%
1.07%
0.52%

DSP Credit Risk Fund(M-IDCW Reinv)

IDCW
0.78%
0.72%
0.40%

DSP Credit Risk Fund(IDCW-Reinv)

IDCW
0.56%
1.11%
0.40%

DSP Ultra Short Fund(M-IDCW Reinv)

IDCW
0.64%
0.53%
0.30%

DSP Short Term Fund(M-IDCW Reinv)

IDCW
0.76%
0.43%
0.34%

DSP Short Term Fund(IDCW-Reinv)

IDCW
0.54%
0.59%
0.34%

DSP Ultra Short Fund(IDCW)

IDCW
0.86%
0.81%
0.30%

DSP Credit Risk Fund(Q-IDCW)

IDCW
1.10%
1.06%
0.40%

DSP Short Term Fund-Reg(M-IDCW)

IDCW
0.71%
0.39%
0.93%

DSP 10Y G-Sec Fund(M-IDCW)

IDCW
0.77%
0.47%
0.31%

DSP 10Y G-Sec Fund(IDCW)

IDCW
1.02%
1.29%
0.31%

DSP 10Y G-Sec Fund(Q-IDCW)

IDCW
1.89%
1.07%
0.31%

DSP Short Term Fund(IDCW)

IDCW
0.54%
0.59%
0.34%

DSP Short Term Fund(W-IDCW)

IDCW
0.02%
-0.00%
0.34%

DSP Short Term Fund(M-IDCW)

IDCW
0.76%
0.43%
0.34%

DSP Ultra Short Fund(W-IDCW)

IDCW
-0.07%
-0.00%
0.30%

DSP Ultra Short Fund(M-IDCW)

IDCW
0.64%
0.53%
0.30%

DSP Ultra Short Fund(IDCW-Reinv)

IDCW
0.86%
0.81%
0.30%

DSP Ultra Short Fund(DD-IDCW)

IDCW
0.00%
0.00%
0.30%

DSP Credit Risk Fund(W-IDCW)

IDCW
-0.02%
-0.00%
0.40%

DSP Credit Risk Fund(M-IDCW)

IDCW
0.78%
0.72%
0.40%

DSP Credit Risk Fund(DD-IDCW)

IDCW
0.00%
0.00%
0.40%

DSP Credit Risk Fund(IDCW)

IDCW
0.56%
1.11%
0.40%

DSP Liquidity Fund(DD-IDCW)

IDCW
0.00%
0.00%
0.10%

DSP Liquidity Fund(W-IDCW)

IDCW
-0.09%
-0.01%
0.10%

DSP 10Y G-Sec Fund-Reg(M-IDCW)

IDCW
0.76%
0.47%
0.52%

DSP 10Y G-Sec Fund-Reg(Q-IDCW)

IDCW
1.87%
1.07%
0.52%

DSP 10Y G-Sec Fund-Reg(IDCW)

IDCW
1.01%
1.07%
0.52%

DSP 10Y G-Sec Fund-Reg(Q-IDCW Reinv)

IDCW
1.87%
1.07%
0.52%

DSP 10Y G-Sec Fund-Reg(M-IDCW Reinv)

IDCW
0.76%
0.47%
0.52%

DSP Ultra Short Fund-Reg(IDCW)

IDCW
0.80%
0.74%
1.02%

DSP Ultra Short Fund-Reg(M-IDCW Reinv)

IDCW
0.58%
0.47%
1.02%

DSP Credit Risk Fund-Reg(M-IDCW Reinv)

IDCW
0.71%
0.67%
1.20%

DSP Credit Risk Fund-Reg(M-IDCW)

IDCW
0.71%
0.67%
1.20%

DSP Credit Risk Fund-Reg(Q-IDCW)

IDCW
1.01%
0.99%
1.20%

DSP Ultra Short Fund-Reg(M-IDCW)

IDCW
0.58%
0.47%
1.02%

DSP Short Term Fund-Reg(IDCW)

IDCW
0.53%
0.58%
0.93%

DSP Short Term Fund-Reg(W-IDCW)

IDCW
0.02%
-0.00%
0.93%

DSP Short Term Fund-Reg(M-IDCW Reinv)

IDCW
0.71%
0.39%
0.93%

DSP Liquidity Fund-Reg(DD-IDCW)

IDCW
0.00%
0.00%
0.20%

DSP Liquidity Fund-Reg(W-IDCW)

IDCW
-0.09%
-0.01%
0.20%

DSP Ultra Short Fund-Reg(W-IDCW)

IDCW
-0.06%
-0.00%
1.02%

DSP Ultra Short Fund-Reg(DD-IDCW)

IDCW
0.00%
0.00%
1.02%

DSP Credit Risk Fund-Reg(W-IDCW)

IDCW
-0.01%
-0.00%
1.20%

DSP Credit Risk Fund-Reg(IDCW)

IDCW
0.53%
1.09%
1.20%

DSP Credit Risk Fund-Reg(DD-IDCW)

IDCW
0.00%
0.00%
1.20%

DSP FMP 264-60M & 17D(IDCW)

IDCW
8.33%
5.63%
—

DSP FMP 264-60M & 17D-Reg(IDCW)

IDCW
8.17%
5.47%
—

DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund(IDCW)

IDCW
8.56%
—
0.16%

DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund-Reg(IDCW)

IDCW
8.40%
—
0.29%

DSP FMP 267-1246D-Reg(IDCW)

IDCW
8.04%
—
—

DSP FMP 267-1246D(IDCW)

IDCW
8.16%
—
—

DSP FMP 268-1281D(IDCW)

IDCW
8.14%
—
—

DSP FMP 268-1281D-Reg(IDCW)

IDCW
7.98%
—
—

DSP CRISIL SDL Plus G-Sec Apr 2033 50:50 Index Fund(IDCW)

IDCW
9.73%
—
0.16%

DSP CRISIL SDL Plus G-Sec Apr 2033 50:50 Index Fund-Reg(IDCW)

IDCW
9.45%
—
0.41%

DSP FMP 268-1281D-Reg(IDCW Reinvest)

IDCW
7.98%
—
—

DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund-Reg(IDCW)

IDCW
8.29%
—
0.31%

DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund(IDCW)

IDCW
8.46%
—
0.15%

DSP FMP 270-1144D-Reg(IDCW)

IDCW
8.04%
—
—

DSP FMP 270-1144D(IDCW)

IDCW
8.15%
—
—

DSP FMP 270-1144D(IDCW)

IDCW
8.15%
—
—

DSP FMP 270-1144D-Reg(IDCW)

IDCW
8.04%
—
—

DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund-Reg(IDCW)

IDCW
8.29%
—
0.31%

DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund(IDCW)

IDCW
8.46%
—
0.15%

DSP CRISIL SDL Plus G-Sec Apr 2033 50:50 Index Fund(IDCW)

IDCW
9.73%
—
0.16%

DSP CRISIL SDL Plus G-Sec Apr 2033 50:50 Index Fund-Reg(IDCW)

IDCW
9.45%
—
0.41%

DSP FMP 268-1281D(IDCW)

IDCW
8.14%
—
—

DSP FMP 267-1246D(IDCW)

IDCW
8.16%
—
—

DSP FMP 267-1246D-Reg(IDCW)

IDCW
8.04%
—
—

DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund(IDCW)

IDCW
8.56%
—
0.16%

DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund-Reg(IDCW)

IDCW
8.40%
—
0.29%

DSP FMP 264-60M & 17D-Reg(IDCW)

IDCW
8.17%
5.47%
—

DSP FMP 264-60M & 17D(IDCW)

IDCW
8.33%
5.63%
—

DSP Credit Risk Fund(W-IDCW)

IDCW
-0.02%
-0.00%
0.40%

DSP Short Term Fund(W-IDCW)

IDCW
0.02%
-0.00%
0.34%

DSP Ultra Short Fund(W-IDCW)

IDCW
-0.07%
-0.00%
0.30%

DSP Liquidity Fund(W-IDCW)

IDCW
-0.09%
-0.01%
0.10%

DSP Liquidity Fund-Reg(W-IDCW)

IDCW
-0.09%
-0.01%
0.20%

DSP Short Term Fund-Reg(W-IDCW)

IDCW
0.02%
-0.00%
0.93%

DSP Credit Risk Fund(Q-IDCW Reinv)

IDCW
1.10%
1.06%
0.40%

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

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One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
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