DSP Credit Risk Fund - Regular 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 - 35.50) | Modified Duration 2.44 Years (Category Avg - 2.14)| Yield to Maturity 7.16% (Category Avg - 7.58%)

Portfolio Summary (as on 31st Oct,2025)

Category - Credit Risk Fund

Category - Credit Risk Fund

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			201.06	9.64%	20.00 L
Bond - Tata Housing Development Company Ltd.	NCD & Bonds	Residential, commercial projects	CARE AA	CARE	160.37	7.69%	1.50 k
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	159.23	7.64%	1.50 k
Bond - Aditya Birla Renewables Ltd.	NCD & Bonds	Power generation	AA	CRISIL	153.68	7.37%	1.50 k
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	107.59	5.16%	1.00 k
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	103.68	4.97%	1.00 k
Bond - Sikka Ports & Terminals Ltd.	NCD & Bonds	Port & port services	AAA	CRISIL	103.53	4.97%	100.00
Bond - Govt of India	GOI	Other			103.33	4.96%	10.00 L
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	102.30	4.91%	1.00 k
Bond - Nuvama Wealth Finance Ltd.	NCD & Bonds	Stockbroking & allied	CARE AA	CARE	102.08	4.90%	1.00 k
Bond - Jtpm Metal Traders Pvt Ltd.	NCD & Bonds	Trading - metals	AA	CRISIL	101.91	4.89%	1.00 k
Bond - Piramal Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	100.55	4.82%	1.00 k
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	53.82	2.58%	50.00 k
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	CRISIL	52.27	2.51%	500.00
Bond - Govt of India	GOI	Other			51.84	2.49%	5.00 L
Bond - Govt of India	GOI	Other			50.91	2.44%	5.00 L
Bond - Govt of India	GOI	Other			50.84	2.44%	5.00 L