DSP Income Opportunities Fund - Debt Mutual Fund Scheme

This scheme		CRISIL Shor…	CRISIL 1 Ye…	Gold	PPF
NA	vs	NA	NA	NA	NA
NA	vs	NA	NA	NA	NA

	This scheme	CRISIL Shor… ^#	CRISIL 1 Ye… ^#	Gold	PPF
# Returns do not reflect any dividend distribution

	1 Year	3 Years	5 Years	10 Years
# Rolling returns have been calculated based on returns from regular plan growth option.

Comparative performance of DSP Credit Risk Fund as of
	DSP Credit Risk Fund	CRISIL Shor… ^{^}	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 Saurabh Bhatia » 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
NAYARA ENERGY LIMITED	14.1%
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	10.05%
GREEN INFRA WIND ENERGY LIMITED	9.96%
HDFC BANK LIMITED	6.53%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	6.33%
See detailed debt holdings »

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Saurabh Bhatia

Saurabh joined DSP Investment Managers as Vice President-Fixed Income in July 2017. He has more than 15 years of experience in the domestic fixed income markets. Beginning his career with sales and intermediation, he has traversed roles across fixed income verticals which include managing fixed income portfolio for a corporate treasury, government owned retirement fund and being an integral part of a private bank treasury.

In recent years, Saurabh was part of HSBC Asset Management India Pvt. Ltd, responsible to manage funds for Employees Provident Fund Organisation, Government of India along with advising Life Insurance, Non-Life Insurance and FPI's for their fixed income portfolios. His last role involved trading in fixed income instruments at Proprietary Trading Group of ICICI Bank. Saurabh holds a Bachelor's Degree in commerce from Mumbai University and a Post Graduate Diploma in Business Management from Wigan and Leigh College.

All Funds managed by Saurabh Bhatia
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 & NCDs76.35%

Name	Rating	% of Net Assets
NAYARA ENERGY LIMITED	CARE AA	14.1%
GREEN INFRA WIND ENERGY LIMITED	CRISIL AA	9.96%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA	6.33%
U.P. POWER CORPORATION LIMITED	IND AA(SO)	6.03%
EXPORT-IMPORT BANK OF INDIA	ICRA AAA	3.96%
BANK OF BARODA	CARE AA	3.61%
ECL FINANCE LIMITED	ICRA AA-	2.59%
BANK OF BARODA	CARE AA	2.52%
NTPC LIMITED	CRISIL AAA	2.3%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA	2.16%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA	2.14%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA	2.12%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA	2.11%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA	1.98%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA	1.73%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA	1.67%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA	1.66%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA	1.55%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA	1.48%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA	1.45%
NRB BEARING LIMITED	CRISIL AA-	1.39%
EXPORT-IMPORT BANK OF INDIA	CRISIL AA+	1.27%
SINTEX-BAPL LIMITED	BWR D	0.65%
SINTEX-BAPL LIMITED	BWR D	0.64%
SINTEX-BAPL LIMITED	BWR D	0.63%
VEDANTA LIMITED	CRISIL AA	0.31%
BHARTI AIRTEL LIMITED	CRISIL AA	0.01%

77.7% of Debt instruments

Money market instruments11.42%

Name	Rating	% of Net Assets
HDFC BANK LIMITED	CARE A1+	6.53%
BANK OF BARODA	ICRA A1+	4.89%

11.6% of Debt instruments

TREPS10.05%

Name	Rating	% of Net Assets
TREPS / REVERSE REPO INVESTMENTS / CORPORATE DEBT REPO	--	10.05%

10.2% of Debt instruments

Securitized Debt Instruments0.49%

Name	Rating	% of Net Assets
MFL SECURITISATION TRUST - LII	CRISIL AAA(SO)	0.49%

0.5% of Debt instruments

DSP Credit Risk Fund presentation

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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
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Performance

Saurabh Bhatia

Laukik Bagwe

Historical Returns

Portfolio as of Nov 30, 2019

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Performance

Historical Returns

Portfolio as of Nov 30, 2019

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

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

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Saurabh Bhatia

Laukik Bagwe

Asset Allocation for Credit Risk Fund

Debt holdings for Credit Risk Fund

Bonds & NCDs76.35%

Money market instruments11.42%

TREPS10.05%

Securitized Debt Instruments0.49%

DSP Credit Risk Fund presentation