DSP Income Opportunities Fund - Debt Mutual Fund Scheme

This scheme		50% of CRIS…	CRISIL 1 Ye…	Gold	PPF
NA	vs	NA	NA	NA	NA
NA	vs	NA	NA	NA	NA

	This scheme	50% of CRIS… ^#	CRISIL 1 Ye… ^#	Gold	PPF
# Returns do not reflect any dividend distribution

Comparative performance of DSP Credit Risk Fund as of
	DSP Credit Risk Fund	50% of CRIS… ^{^}	CRISIL 1 Ye… ^#
Date of allotment: May 13, 2003. Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of Regular Plan. Since inception returns have been calculated from the date of allotment till June 28, 2013 See all funds managed by Pankaj Sharma » See all funds managed by Laukik Bagwe » Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments ^ Scheme Benchmark # Standard Benchmark

Top 5 instruments by holding
Name	% of Net Assets
CBLO / REVERSE REPO INVESTMENTS	20.76%
U.P. POWER CORPORATION LIMITED	3.66%
NAYARA ENERGY LIMITED	2.73%
GREEN INFRA WIND ENERGY LIMITED	2.69%
COFFEE DAY NATURAL RESOURCES PRIVATE LIMITED	2.26%
See detailed debt holdings »

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Pankaj Sharma

Pankaj joined DSP Investment Managers Pvt. Ltd. (previously called DSP Fund Investment Managers Pvt. Ltd.) and is currently the head of Fixed Income. Prior to this, Pankaj was heading the Product, Risk and Quantitative Analysis (RQA) and Business Development functions since 2005.
Pankaj has more than 15 years experience in the Banking and Finance sectors. Between June 2002 and May 2003, Pankaj was Head of Pre-Sales and Product Evangelist (Treasury Product) at Infosys Technologies. Prior to that, from April 1993 to April 2002, Pankaj served as Vice President (Risk Management) at Citibank, with assignments covering India, Singapore and the United States. Pankaj holds a Bachelor of Engineering degree in Computer Engineering and obtained his Post Graduate Diploma in Management (PGDM) from XLRI, Jamshedpur in 1993.

All Funds managed by Pankaj Sharma
Sr. No.	Period	1 Year		3 Years		5 Years
Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Laukik Bagwe

Laukik is Fund Manager with the Fixed Income Investment team of DSP Investment managers. He joined the firm in November 2007 as a Fixed Income Dealer. From November 2003 to October 2007, Laukik worked with Derivium Capital & Securities Pvt. Ltd. as the Head of Fixed Income Trading-SLR & NONSLR Broking. From June 2000 to October 2003, he worked with Birla Sunlife Securities Ltd. as a Manager-SLR & NONSLR Broking.
He brings with him a total work experience of 11 years in debt broking and is currently the fund manager for the following schemes of DSP Mutual Fund."

All Funds managed by Laukik Bagwe
Sr. No.	Period	1 Year		3 Years		5 Years
Period for which scheme's performance has been provided is computed basis last day of the month-end preceding the date of advertisement Different plans shall have a different expense structure. The performance details provided herein are of regular plan. Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments

Asset Allocation for Credit Risk Fund

Investment in corporate bonds which are AA and below rated instruments 65% - 100%
Investment in other debt and money market instruments 0% - 35%
Units of REITs & InvITs 0% - 10%

Debt holdings for Credit Risk Fund

Bonds & NCDs74.14%

Name	Rating	Quantity	Market value (in lakhs)	% of Net Assets
U.P. POWER CORPORATION LIMITED	IND AA(SO)	2,000	20,390.68	3.66%
NAYARA ENERGY LIMITED	CARE AA	150	15,198.45	2.73%
GREEN INFRA WIND ENERGY LIMITED	CRISIL AA(SO)	1,500	14,965.66	2.69%
COFFEE DAY NATURAL RESOURCES PRIVATE LIMITED	BWR A-(SO)	1,150	12,607.62	2.26%
ACCELARATING EDUCATION AND DEVELOPMENT PRIVATE LIMITED	BWR A-(SO)	13,000	12,486.42	2.24%
EQUITAS SMALL FINANCE BANK LIMITED	CARE A+	1,000	12,273.78	2.2%
IL&FS TRANSPORTATION NETWORKS LIMITED	CARE D	3,530	11,066.32	1.99%
ASPIRE HOME FINANCE CORPORATION LIMITED	ICRA A+	1,000	10,225.18	1.84%
DLF EMPORIO LIMITED	CRISIL AA(SO)	1,000	10,119.13	1.82%
HIGH POINT PROPERTIES PRIVATE LIMITED	ICRA AA(SO)	100	10,086.14	1.81%
JANA SMALL FINANCE BANK LIMITED	ICRA BBB	1,000	10,108.12	1.81%
PNB HOUSING FINANCE LIMITED	CARE AAA	1,000	9,804.38	1.76%
PNB HOUSING FINANCE LIMITED	CARE AAA	980	9,597.71	1.72%
HINDUJA LEYLAND FINANCE LIMITED	CARE AA-	880	9,146.42	1.64%
COFFEE DAY RESORTS (MSM) PRIVATE LIMITED	BWR A-(SO)	850	8,562.87	1.54%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	75	8,603.14	1.54%
PNB HOUSING FINANCE LIMITED	CARE AA+	850	8,523.42	1.53%
ASPIRE HOME FINANCE CORPORATION LIMITED	ICRA A+	770	8,077.07	1.45%
JANA SMALL FINANCE BANK LIMITED	ICRA BBB	770	8,047.44	1.44%
PIRAMAL ENTERPRISES LIMITED	ICRA AA	770	7,912.15	1.42%
PIRAMAL ENTERPRISES LIMITED	ICRA AA	750	7,647.88	1.37%
VEDANTA LIMITED	CRISIL AA	750	7,632.44	1.37%
MUTHOOT FINANCE LIMITED	CRISIL AA	715	7,197.59	1.29%
IL&FS ENERGY DEVELOPMENT COMPANY LIMITED	CARE D	1,000	6,367.11	1.14%
UNION BANK OF INDIA	IND AA	627	6,293.69	1.13%
HPCL-MITTAL ENERGY LIMITED	IND AA	350	5,786.53	1.04%
INDUSIND BANK LIMITED	CRISIL AA	550	5,589.50	1%
NIRMA LIMITED	CRISIL AA	500	5,170.05	0.93%
HINDUJA LEYLAND FINANCE LIMITED	CARE AA-	500	4,978.45	0.89%
TATA MOTORS LIMITED	CARE AA+	500	4,924.13	0.88%
IL&FS ENERGY DEVELOPMENT COMPANY LIMITED	CARE D	770	4,859.08	0.87%
PNB HOUSING FINANCE LIMITED	CARE AAA	460	4,748.08	0.85%
IGARASHI MOTORS SALES PRIVATE LIMITED	ICRA AAA(SO)	600	4,393.22	0.79%
PIRAMAL ENTERPRISES LIMITED	ICRA AA	410	4,208.94	0.76%
ECL FINANCE LIMITED	ICRA AA	420,000	4,173.74	0.75%
VEDANTA LIMITED	CRISIL AA	420	4,195.91	0.75%
NTPC-SAIL POWER COMPANY LIMITED	CARE AA	400	3,904.84	0.7%
JAMNAGAR UTILITIES & POWER PRIVATE LIMITED	CRISIL AAA	380	3,867.24	0.69%
TALWANDI SABO POWER LTD	CRISIL AA(SO)	383	3,842.17	0.69%
REC LIMITED	CRISIL AAA	363	3,722.77	0.67%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA(SO)	3,825	3,682.78	0.66%
SHAPOORJI PALLONJI ENERGY (GUJARAT) PRIVATE LIMITED	ICRA AA(SO)	36	3,626.69	0.65%
BANK OF BARODA	CARE AA	350	3,597.74	0.65%
SINTEX-BAPL LIMITED	BWR AA-	3,333	3,466.51	0.62%
SINTEX-BAPL LIMITED	BWR AA-	3,333	3,406.77	0.61%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA(SO)	3,500	3,377.36	0.61%
SINTEX-BAPL LIMITED	BWR AA-	3,333	3,345.88	0.6%
PUNJAB NATIONAL BANK	BWR A+	322	3,217.24	0.58%
CROMPTON GREAVES CONSUMER ELECTRICALS LIMITED	CRISIL AA	310	3,170.74	0.57%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA(SO)	3,194	3,113.71	0.56%
FULLERTON INDIA CREDIT COMPANY LTD	CARE AAA	300	3,094.10	0.56%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	20	2,949.58	0.53%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	20	2,935.17	0.53%
VEDANTA LIMITED	CRISIL AA	250	2,926.65	0.53%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	20	2,945.10	0.53%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA(SO)	3,000	2,918.40	0.52%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA(SO)	2,776	2,685.06	0.48%
NUVOCO VISTAS CORPORATION LIMITED	CRISIL AA	250	2,480.51	0.45%
NUVOCO VISTAS CORPORATION LIMITED	CRISIL AA	250	2,504.48	0.45%
INDIAN RAILWAY FINANCE CORPORATION LIMITED	CARE AAA	250	2,447.56	0.44%
SBI CARDS & PAYMENT SERVICES PRIVATE LIMITED	CRISIL AAA	250	2,395.30	0.43%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	20	2,283.42	0.41%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	17	2,267.07	0.41%
GALINA CONSULTANCY SERVICES PRIVATE LIMITED	ICRA AA(SO)	22	2,214.57	0.4%
IDFC BANK LIMITED	ICRA AA+	200	2,099.86	0.38%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	15	2,141.34	0.38%
NRB BEARING LIMITED	CRISIL AA-	200	2,048.95	0.37%
CROMPTON GREAVES CONSUMER ELECTRICALS LIMITED	CRISIL AA	190	1,952.77	0.35%
FORBES & COMPANY LTD.	ICRA A+	190	1,932.27	0.35%
BANK OF BARODA	CARE AA	175	1,781.25	0.32%
REC LIMITED	CRISIL AAA	130	1,386.62	0.25%
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED	CRISIL AAA	12	1,238.56	0.22%
JAMNAGAR UTILITIES & POWER PRIVATE LIMITED	CRISIL AAA	100	952.31	0.17%
BHARTI AIRTEL LIMITED	CRISIL AA+	92	937.83	0.17%
IIFL HOME FINANCE LIMITED	ICRA AA	60	735.37	0.13%
DEWAN HOUSING FINANCE CORPORATION LIMITED	CARE AAA	60,000	601.72	0.11%
ADANI TRANSMISSION LIMITED	IND AA+	50	521.37	0.09%
PNB HOUSING FINANCE LIMITED	CARE AAA	50	523.42	0.09%
UNITED INDIA INSURANCE COMPANY LIMITED	CRISIL AAA	50	510.51	0.09%
JAMNAGAR UTILITIES & POWER PRIVATE LIMITED	CRISIL AAA	50	471.60	0.08%
REC LIMITED	IND AAA	20	202.47	0.04%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	15	147.30	0.03%
REC LIMITED	CRISIL AAA	16	174.17	0.03%
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED	CRISIL AAA	1	102.09	0.02%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	13	133.64	0.02%
LIC HOUSING FINANCE LIMITED	CRISIL AAA	12	117.82	0.02%

74.1% of Debt instruments

CBLO20.76%

Name	Rating	Quantity	Market value (in lakhs)	% of Net Assets
CBLO / REVERSE REPO INVESTMENTS	--	--	115,674.81	20.76%

20.7% of Debt instruments

Securitized Debt Instruments3.9%

Name	Rating	Quantity	Market value (in lakhs)	% of Net Assets
RENT-A-DEVICE TRUST	ICRA AAA(SO)	258	2,626.60	0.47%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	252	2,563.26	0.46%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	247	2,507.53	0.45%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	241	2,444.94	0.44%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	235	2,381.19	0.43%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	231	2,337.77	0.42%
MFL SECURITISATION TRUST - LII	CRISIL AAA(SO)	65	2,316.15	0.42%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	224	2,264.53	0.41%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	218	2,201.99	0.4%

3.9% of Debt instruments

Money market instruments1.32%

Name	Rating	Quantity	Market value (in lakhs)	% of Net Assets
INDIABULLS HOUSING FINANCE LIMITED	CRISIL A1+	800	3,780.14	0.68%
DEWAN HOUSING FINANCE CORPORATION LIMITED	CRISIL A1+	760	3,562.41	0.64%

1.3% of Debt instruments

DSP Credit Risk Fund presentation

×

The primary investment objective is to seek to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities.
There is no assurance that the investment objective of the Scheme will be realized.

For lumpsum investments, if the investment period is less than 1 year then same return values are displayed for absolute & XIRR. For periods above 1 year, they are annualized. 1 Year is assumed as 365 days.
Returns for investments in dividend plans of schemes are calculated after assuming that the net dividend payouts post statutory taxes & levies, are re-invested back in the scheme.
Dividends declared from benchmark's constituents isn't taken into account when comparing with investment in scheme's dividend plans.
Performance is always compared against the latest benchmark of the scheme irrespective of the date of change of scheme's benchmark, if any.
Except when SIP tenure is since inception, for all tenures, the start day for SIP investments is considered as 1st of every month. There is no end date to SIPs for the purpose of graphs.
For the purpose of NAV date applicability, if the investment date happens to be a non-business day, next business day's NAV is applied. Investment on inception date can happen on a non-business day.
Gold prices are available post 29 JAN, 2005 & are based on daily closing values on MCX.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.

DSP Credit Risk Fund
Plan type

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Age:

AUM:

Horizon:

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Benchmark:

Performance

Pankaj Sharma

Laukik Bagwe

Historical Returns

Portfolio as of Oct 31, 2018

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Performance

Historical Returns

Portfolio as of Oct 31, 2018

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This instant KYC is an eKYC process as prescribed by regulations.

Needs verification via OTP

eKYC has annual investment limit of ₹ 50,000

Pankaj Sharma

Laukik Bagwe

Asset Allocation for Credit Risk Fund

Debt holdings for Credit Risk Fund

Bonds & NCDs74.14%

CBLO20.76%

Securitized Debt Instruments3.9%

Money market instruments1.32%

DSP Credit Risk Fund presentation