{"id":232093,"date":"2026-09-04T16:18:38","date_gmt":"2026-09-04T10:48:38","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/"},"modified":"2026-09-09T13:23:46","modified_gmt":"2026-09-09T07:53:46","slug":"dsp-credit-risk-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/","title":{"rendered":"DSP Credit Risk Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/dsp-credit-risk-fund-g-direct-plan\">DSP Credit Risk Fund Direct Growth Plan<\/a> has a NAV of \u20b960.8948 as of 08 Sep 2026 and a scheme AUM of \u20b9309 Cr. Its 1-year, 3-year and 5-year returns are 11.3%, 16.84% and 13.37%, and it sits in the Medium Risk category.<\/p>\n<p>Our view is that this is a debt fund for investors who can accept some credit-driven volatility in exchange for a return profile that has stayed ahead of the benchmark over longer periods. The portfolio is spread across government securities, CDs, corporate debt and cash equivalents, so the fund does not rely on one single bucket alone.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_DSP_Credit_Risk\" title=\"Should you BUY or HOLD DSP Credit Risk?\">Should you BUY or HOLD DSP Credit Risk?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/dsp-credit-risk-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b960.8948 as of 08 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9309 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.4%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>Nil for 10% of investment and 1% for remaining Investment on or before 12M, Nil after 12M<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Vivekanand Ramakrishnan, Shalini Vasanta, Kunal Khudania<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Vivekanand Ramakrishnan, Shalini Vasanta and Kunal Khudania.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 08 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.27%<\/td>\n<td>-3.86%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.95%<\/td>\n<td>1.69%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>11.3%<\/td>\n<td>-5.72%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>16.84%<\/td>\n<td>6.3%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>13.37%<\/td>\n<td>6.05%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The short-term pattern has been uneven but still constructive. Over 1 month and 3 months, the fund stayed positive, while the benchmark was weaker over 1 month and only modestly positive over 3 months. That tells us the fund has not been moving in lockstep with the benchmark and has been able to hold up better in the recent stretch.<\/p>\n<p>The 1-year return of 11.3% is meaningfully above the benchmark\u2019s -5.72%, which is a clear gap. That is important because it shows the fund did not merely protect capital in a difficult period; it also compounded positively while the benchmark was under pressure. For a credit-risk strategy, that kind of relative resilience matters as much as the absolute number.<\/p>\n<p>The longer horizon is stronger still. The 3-year return of 16.84% and the 5-year return of 13.37% both sit well above the benchmark\u2019s 6.3% and 6.05% for the same periods. Our read is that the fund has delivered a steadier compounding path over time, with the 3-year period looking particularly strong. The daily pattern also shows some swings, which is normal for a portfolio that includes credit exposure, but the overall direction over longer periods has been upward.<\/p>\n<p>At the same time, recent returns are not dramatically different from the longer-term trend. The fund has remained positive over the last month and quarter, so the latest phase is more a continuation of steady gains than a sharp new breakout. For investors, that usually points to a fund that can participate in upside while still carrying the credit and duration sensitivities that come with this category.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 08 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_DSP_Credit_Risk\"><\/span>Should you BUY or HOLD DSP Credit Risk?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding DSP Credit Risk? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-credit-risk-fund-g-direct-plan\">Bank of India Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>17.87%<\/td>\n<td>10.12%<\/td>\n<td>27.79%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-credit-risk-fund-g-direct-plan\">Aditya Birla SL Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>13.06%<\/td>\n<td>13.19%<\/td>\n<td>10.94%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/dsp-credit-risk-fund-g-direct-plan\">DSP Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>11.3%<\/td>\n<td>16.84%<\/td>\n<td>13.37%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-credit-risk-fund-g-direct-plan\">ICICI Pru Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>8.79%<\/td>\n<td>9.17%<\/td>\n<td>8.03%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-credit-risk-fund-g-direct-plan\">Axis Credit Risk Fund Direct Growth Plan<\/a><\/td>\n<td>8.76%<\/td>\n<td>8.87%<\/td>\n<td>7.71%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On 1-year returns, the fund trails Bank of India Credit Risk Fund Direct Growth Plan and Aditya Birla SL Credit Risk Fund Direct Growth Plan, but it stays ahead of ICICI Pru Credit Risk Fund Direct Growth Plan and Axis Credit Risk Fund Direct Growth Plan. The longer horizon gives a different picture: its 3-year return is the strongest among the listed funds, and its 5-year return also sits above the ICICI Pru and Axis funds, though below Bank of India. That mix suggests the fund\u2019s recent showing is solid, while its medium-term compounding has been stronger than some peers.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 08 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>6.94% GOI 11052036<\/td>\n<td>Government Securities<\/td>\n<td>8.24%<\/td>\n<\/tr>\n<tr>\n<td>Kotak Mahindra Bank Limited**<\/td>\n<td>Certificate of Deposit<\/td>\n<td>7.85%<\/td>\n<\/tr>\n<tr>\n<td>Tata Projects Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>7.49%<\/td>\n<\/tr>\n<tr>\n<td>Nuvoco Vistas Corporation Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>6.84%<\/td>\n<\/tr>\n<tr>\n<td>Adani Power Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>6.51%<\/td>\n<\/tr>\n<tr>\n<td>Aditya Birla Digital Fashion Ventures Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>6.49%<\/td>\n<\/tr>\n<tr>\n<td>Adani Airport Holdings Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>6.48%<\/td>\n<\/tr>\n<tr>\n<td>TREPS \/ Reverse Repo Investments<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>5.76%<\/td>\n<\/tr>\n<tr>\n<td>Aditya Birla Renewables Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>5.24%<\/td>\n<\/tr>\n<tr>\n<td>JTPM Metal Traders Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>5.22%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 66.12% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/dsp-credit-risk-fund-g-direct-plan\">DSP Credit Risk Fund Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding, 6.94% GOI 11052036, is 8.24% of the portfolio, which gives the sovereign debt bucket a visible anchor. The next few positions are also meaningful in size, with the second holding at 7.85% and the tenth at 5.22%, so the spread from the top position to the tenth is not extreme. That suggests the fund is not built around one oversized bet, even though the leading positions still matter.<\/p>\n<p>Because the displayed top 10 already make up 66.12% of the portfolio, the fund appears moderately concentrated rather than broadly dispersed across many equally sized positions. The disclosed 22 holdings indicate there is a longer tail beyond the table, but the listed positions still carry substantial influence. In our view, that mix may help the portfolio balance return-seeking credit exposure with some stabilising government securities and cash equivalents.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 08 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund fits investors who are comfortable with Medium Risk and want a debt allocation that can accept some credit-linked volatility. The 1-year result is positive and the 3-year and 5-year figures are stronger still, while the benchmark has been weaker over the same longer windows. That makes the fund more suitable for a medium- to long-term horizon rather than a short-term parking place.<\/p>\n<p>The main trade-off is between the possibility of better compounding and the credit risk embedded in the portfolio. The holding mix includes government securities, CDs and a fairly large set of corporate debt exposures, so the fund is not a pure low-volatility debt option. Investors who want steadier debt-style returns but can tolerate periodic swings may find the profile more relevant than those looking for the most conservative allocation.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load: Nil for 10% of investment and 1% for the remaining investment if redeemed on or before 12 months; no exit load after the holding period.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 08 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of DSP Credit Risk Fund Direct Growth Plan?<\/strong><br \/>Its NAV is \u20b960.8948 as of 08 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s returns are 11.3% for 1 year, 16.84% for 3 years and 13.37% for 5 years.<\/p>\n<p><strong>How has it done versus the benchmark?<\/strong><br \/>It has outpaced the benchmark across the periods shown. The gap is especially clear over 1 year, where the fund is positive and the benchmark is negative.<\/p>\n<p><strong>How does it compare with other credit risk funds on available returns?<\/strong><br \/>Its 1-year return is below Bank of India Credit Risk Fund Direct Growth Plan and Aditya Birla SL Credit Risk Fund Direct Growth Plan, but its 3-year return is the strongest among the listed peer funds. Its 5-year return is also ahead of ICICI Pru Credit Risk Fund Direct Growth Plan and Axis Credit Risk Fund Direct Growth Plan.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9100.<\/p>\n<p><strong>What is the exit load and who manages the fund?<\/strong><br \/>If units are redeemed on or before 12 months, the exit load is nil for 10% of the investment and 1% for the remaining investment; there is no exit load after the holding period. The fund is managed by Vivekanand Ramakrishnan, Shalini Vasanta and Kunal Khudania.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>DSP Credit Risk Fund Direct Growth Plan shows a useful split between recent steadiness and stronger medium-term compounding. It has beaten the benchmark over the 1-year, 3-year and 5-year periods, while also posting a more mixed short-term pattern that still stayed positive. Among peers, the 1-year return is not the strongest, but the 3-year result is notably better than the listed group. The portfolio is moderately concentrated, with a meaningful share in the top holdings and a mix of government securities, CDs and corporate debt.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 9 September 2026 at 1:22 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"DSP Credit Risk Fund Direct Growth Plan\",\"identifier\":\"dsp-credit-risk-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":60.8948,\"valueReference\":\"as of 08 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"309 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.4\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":11.3},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":16.84},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":13.37},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Vivekanand Ramakrishnan, Shalini Vasanta, Kunal Khudania\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of DSP Credit Risk Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its NAV is \u20b960.8948 as of 08 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are 11.3% for 1 year, 16.84% for 3 years and 13.37% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How has it done versus the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has outpaced the benchmark across the periods shown. The gap is especially clear over 1 year, where the fund is positive and the benchmark is negative.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with other credit risk funds on available returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is below Bank of India Credit Risk Fund Direct Growth Plan and Aditya Birla SL Credit Risk Fund Direct Growth Plan, but its 3-year return is the strongest among the listed peer funds. Its 5-year return is also ahead of ICICI Pru Credit Risk Fund Direct Growth Plan and Axis Credit Risk Fund Direct Growth Plan.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"What is the exit load and who manages the fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If units are redeemed on or before 12 months, the exit load is nil for 10% of the investment and 1% for the remaining investment; there is no exit load after the holding period. The fund is managed by Vivekanand Ramakrishnan, Shalini Vasanta and Kunal Khudania.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>DSP Credit Risk Fund Direct Growth Plan has a NAV of \u20b960.8948 as of 08 Sep 2026, with 1Y\/3Y\/5Y returns of 11.3%, 16.84% and 13.37%.<\/p>\n","protected":false},"author":38,"featured_media":237891,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-232093","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["237891"],"rank_math_title":["DSP Credit Risk Fund NAV, Returns, Review"],"rank_math_description":["DSP Credit Risk Fund Direct Growth Plan NAV is \u20b960.8948; 1Y return is 11.3% and 5Y return is 13.37% as of 08 Sep 2026."],"rank_math_focus_keyword":["DSP Credit Risk Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/DSP_Credit_Risk_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_bullish-1.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/232093","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=232093"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/232093\/revisions"}],"predecessor-version":[{"id":237895,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/232093\/revisions\/237895"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/237891"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=232093"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=232093"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=232093"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}