DSP Credit Risk Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 17 (Category Avg - 35.14) | Modified Duration 1.91 Years (Category Avg - 2.08)| Yield to Maturity 6.99% (Category Avg - 7.54%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	17.30%	15.17%
CD	0.00%	1.01%
NCD & Bonds	65.48%	71.10%
PTC	0.00%	0.85%

Category - Credit Risk Fund

Security Type	% Weight	Category Average
Government Backed	17.30%	15.17%
Low Risk	65.48%	65.18%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Credit Risk Fund

Debt holding in Portfolio (as on 31st Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Aditya Birla Renewables Ltd.	NCD & Bonds	Power generation	AA	CRISIL	164.43	7.93%	1.50 k
Bond - Tata Housing Development Company Ltd.	NCD & Bonds	Residential, commercial projects	CARE AA	CARE	158.65	7.65%	1.50 k
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	157.49	7.59%	1.50 k
Bond - J S W Steel Ltd.	NCD & Bonds	Iron & steel products	AA	FITCH	155.24	7.49%	150.00
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	106.43	5.13%	1.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	105.08	5.07%	1.00 k
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	102.41	4.94%	1.00 k
Bond - Sikka Ports & Terminals Ltd.	NCD & Bonds	Port & port services	AAA	CRISIL	102.40	4.94%	100.00
Bond - Govt of India	GOI	Other			101.37	4.89%	10.00 L
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	101.13	4.88%	1.00 k
Bond - Govt of India	GOI	Other			100.18	4.83%	10.00 L
Bond - Nuvama Wealth Finance Ltd.	NCD & Bonds	Stockbroking & allied	CARE AA	CARE	100.05	4.82%	1.00 k
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	53.08	2.56%	50.00 k
Bond - Govt of India	GOI	Other			52.97	2.55%	5.00 L
Bond - Govt of India	GOI	Other			52.71	2.54%	5.00 L
Bond - Govt of India	GOI	Other			51.74	2.49%	5.00 L
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	CRISIL	51.48	2.48%	500.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	10.01%
Roadstar Infra Investment Trust	InvITs	8.97%
Net Receivables	Net Receivables	-1.76%

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krishna_ksvs
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6 days ago

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hunch
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41 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more | 1

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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The Fixed Income
Bonds
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20 hrs ago

Stable, Secured, and High-Return Bond Opportunity ✔️ Coupon: 11.45% ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4y 4m (Maturity: 13/Feb/2030) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A secured PSU bond designed for investors seeking reliable returns with strong credit support. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Stable, Secured, and High-Return Bond Opportunity ✔️ Coupon: 11.45% ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4y 4m (Maturity: 13/Feb/2030) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A secured PSU bond designed for investors seeking reliable returns with strong credit support. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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ravisistla
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69 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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107 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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107 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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