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 - 35.71) | Modified Duration 2.08 Years (Category Avg - 2.13)| Yield to Maturity 7.12% (Category Avg - 7.59%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	17.30%	14.65%
CD	0.00%	1.34%
NCD & Bonds	69.92%	70.76%
PTC	0.00%	1.47%

Category - Credit Risk Fund

Security Type	% Weight	Category Average
Government Backed	17.30%	14.65%
Low Risk	69.92%	65.39%
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 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Tata Housing Development Company Ltd.	NCD & Bonds	Residential, commercial projects	CARE AA	CARE	159.52	7.67%	1.50 k
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	158.31	7.61%	1.50 k
Bond - J S W Steel Ltd.	NCD & Bonds	Iron & steel products	AA	FITCH	156.07	7.51%	150.00
Bond - Aditya Birla Renewables Ltd.	NCD & Bonds	Power generation	AA	CRISIL	152.53	7.34%	1.50 k
Bond - Govt of India	GOI	Other			151.29	7.28%	15.00 L
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	107.20	5.16%	1.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	105.69	5.08%	1.00 k
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	103.03	4.96%	1.00 k
Bond - Sikka Ports & Terminals Ltd.	NCD & Bonds	Port & port services	AAA	CRISIL	102.94	4.95%	100.00
Bond - Govt of India	GOI	Other			102.92	4.95%	10.00 L
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	101.70	4.89%	1.00 k
Bond - Nuvama Wealth Finance Ltd.	NCD & Bonds	Stockbroking & allied	CARE AA	CARE	101.13	4.86%	1.00 k
Bond - Jtpm Metal Traders Pvt Ltd.	NCD & Bonds	Trading - metals	AA	CRISIL	100.16	4.82%	1.00 k
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	53.46	2.57%	50.00 k
Bond - Govt of India	GOI	Other			53.17	2.56%	5.00 L
Bond - Govt of India	GOI	Other			52.14	2.51%	5.00 L
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	CRISIL	51.90	2.50%	500.00

Name	Type of Instrument	Weight (%)
Roadstar Infra Investment Trust	InvITs	8.95%
TREPS	TREPS	5.60%
Net Receivables	Net Receivables	-1.77%

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NITINPIMPALE
MF Investment Help
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12 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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24 days ago

View more

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The Fixed Income
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4 days ago

Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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74 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

Posted by : shravanashok
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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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87 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

Posted by : ravisistla
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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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125 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

Posted by : sunny85deol
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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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