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DSP Credit Risk Fund - Direct Plan - Growth is a debt scheme managed by DSP Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 11.60%, with the bottom and top quartiles at 10.22% and 15.54% respectively. It has ranked in the top half of its category for 2 of the last 2 reported years. The total expense ratio is 0.41% on assets of ₹242Cr. The fund is currently managed by Shalini Vasanta, appointed within the last year.
Lower is better.
| Holding | Sector | Weight |
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| Window | Min | P25 | Median |
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Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
| Scheme | AMC | AUM | TER | 3Y |
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Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| REC LIMITED | Financial Services | 4.49% |
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
| P75 |
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| Max |
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| Positive % |
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| 1Y | 3.28% | 7.49% | 9.69% | 16.61% | 24.42% | 100.0% |
| 3Y | 7.07% | 10.22% | 11.60% | 15.54% | 16.89% | 100.0% |
| 5Y | 11.58% | 12.00% | 12.03% | 12.41% | 13.11% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 4.5% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Debt.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
What an investor SIPping into this fund actually got during named market shocks.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
Does the fund get worse as it gets bigger? Each dot is one historical manager-tenure: AUM at tenure-end vs alpha delivered during that tenure.
Correlation is too weak to confirm or rule out capacity-driven alpha decay. Re-evaluate as more manager-tenure data accumulates.
Each dot is one manager-tenure: X = AUM at tenure end, Y = alpha during that tenure. Connecting line in chronological order. Pearson r measures the linear relationship between AUM and alpha across the historical record. n = 3 data points.
| 5Y |
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| Star |
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| Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth | Aditya Birla Sun Life Mutual Fund | ₹1,353 Cr | 0.84% | +12.63% | +10.61% | 5★ |
| BANK OF INDIA Credit Risk Fund - Direct Plan | Bank of India Mutual Fund | ₹105 Cr | 1.17% | +9.89% | +27.73% | 3★ |
| Invesco India Credit Risk Fund - Direct Plan - Growth | Invesco Mutual Fund | ₹159 Cr | 0.28% | +9.28% | +8.20% | 5★ |
| Axis Credit Risk Fund - Direct Plan - Growth | Axis Mutual Fund | ₹355 Cr | 0.80% | +8.34% | +7.44% | 5★ |
| SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH | SBI Mutual Fund | ₹2,134 Cr | 0.89% | +8.01% | +7.45% | 4★ |
| UTI Credit Risk Fund - Direct Plan - Growth Option | UTI Mutual Fund | ₹253 Cr | 1.04% | +7.52% | +10.02% | 4★ |