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
VEDANTA LIMITED	4.02%
NIRMA LIMITED	3.68%
IL&FS TRANSPORTATION NETWORKS LIMITED	3.17%
U.P. POWER CORPORATION LIMITED	2.96%
DLF EMPORIO LIMITED	2.2%
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%

When adequate arbitrage opportunities are not available and accessible in the cash and derivative market segment, the asset allocation of the Scheme will be as follows - Equity & Equity related instruments including derivatives: 40%-65% ,of which cash-futures arbitrage*:0% - 45% , of which net long equity exposure^ : 20%-50% & Debt and money market instruments 15% - 60% , Units issued by REITs & InvITs - 0% - 10%
*Refers to equity exposure completely hedged with corresponding equity derivatives
^Refers to only net long equity exposures aimed to gain from potential capital appreciation and thus is a directional equity exposure which will not be hedged
When adequate arbitrage opportunities are not available and accessible in the cash and derivative market segment, the asset allocation of the Scheme will be as follows - Equity & Equity related instruments including derivatives: 40%-65% ,of which cash-futures arbitrage*:0% - 45% , of which net long equity exposure^ : 20%-50% & Debt and money market instruments 15% - 60% , Units issued by REITs & InvITs - 0% - 10%
*Refers to equity exposure completely hedged with corresponding equity derivatives
^Refers to only net long equity exposures aimed to gain from potential capital appreciation and thus is a directional equity exposure which will not be hedged

Debt holdings for Credit Risk Fund

Bonds & NCDs95.24%

Name	Rating	Quantity	Market value (in lakhs)	% of Net Assets
VEDANTA LIMITED	CRISIL AA	2,750	27,859.63	4.02%
NIRMA LIMITED	CRISIL AA	2,500	25,510.18	3.68%
IL&FS TRANSPORTATION NETWORKS LIMITED	CRISIL AAA(SO)	3,530	21,978.87	3.17%
U.P. POWER CORPORATION LIMITED	IND AA(SO)	2,000	20,527.78	2.96%
DLF EMPORIO LIMITED	CRISIL AA(SO)	1,500	15,234.61	2.2%
ACCELARATING EDUCATION AND DEVELOPMENT PRIVATE LIMITED	BWR A-(SO)	13,000	12,981.18	1.87%
COFFEE DAY NATURAL RESOURCES PRIVATE LIMITED	BWR A-(SO)	1,150	12,613.17	1.82%
IL&FS ENERGY DEVELOPMENT COMPANY LIMITED	CARE A+	1,000	12,635.37	1.82%
EQUITAS SMALL FINANCE BANK LIMITED	CARE A+	1,000	12,060.65	1.74%
TATA POWER COMPANY LIMITED	CARE AA	1,100	11,426.76	1.65%
COFFEE DAY ENTERPRISES LIMITED	BWR AA-(SO)	1,050	11,024.37	1.59%
PNB HOUSING FINANCE LIMITED	CARE AAA	1,080	10,876.46	1.57%
UJJIVAN SMALL FINANCE BANK LIMITED	ICRA A+	1,000	10,830.15	1.56%
PRISM JOHNSON LIMITED	ICRA A-	1,000	10,583.40	1.53%
VEDANTA LIMITED	CRISIL AA	1,050	10,458.71	1.51%
PNB HOUSING FINANCE LIMITED	CARE AAA	1,000	10,413.11	1.5%
AU SMALL FINANCE BANK LIMITED	ICRA AA-	1,000	10,319.56	1.49%
HIGH POINT PROPERTIES PRIVATE LIMITED	ICRA AA(SO)	100	10,087.51	1.45%
ASPIRE HOME FINANCE CORPORATION LIMITED	ICRA A+	1,000	10,068.13	1.45%
TALWANDI SABO POWER LTD	CRISIL AA(SO)	1,000	10,004.84	1.44%
WALWHAN RENEWABLE ENERGY LIMITED	CARE AA(SO)	1,000	9,931.41	1.43%
JANA SMALL FINANCE BANK LIMITED	ICRA BBB	1,000	9,806.87	1.41%
IL&FS ENERGY DEVELOPMENT COMPANY LIMITED	CARE A+	770	9,645.27	1.39%
HINDUJA LEYLAND FINANCE LIMITED	CARE AA-	880	8,984.76	1.3%
MUTHOOT FINANCE LIMITED	CRISIL AA	900	9,017.13	1.3%
PNB HOUSING FINANCE LIMITED	CARE AA+	850	8,730.32	1.26%
COFFEE DAY RESORTS (MSM) PRIVATE LIMITED	BWR A-(SO)	850	8,587.90	1.24%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	75	8,493.62	1.22%
ASPIRE HOME FINANCE CORPORATION LIMITED	ICRA A+	770	7,909.95	1.14%
JANA SMALL FINANCE BANK LIMITED	ICRA BBB	770	7,791.71	1.12%
PIRAMAL ENTERPRISES LIMITED	ICRA AA	770	7,783.37	1.12%
TATA STEEL LIMITED	BWR AA	750	7,611.90	1.1%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	700	7,578.14	1.09%
PIRAMAL ENTERPRISES LIMITED	ICRA AA	750	7,528.47	1.09%
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED	ICRA AA+	750	7,439.36	1.07%
UNION BANK OF INDIA	IND AA	730	7,339.97	1.06%
DEWAN HOUSING FINANCE CORPORATION LIMITED	CARE AAA	620,000	6,567.60	0.95%
INDUSIND BANK LIMITED	CRISIL AA	650	6,593.10	0.95%
IGARASHI MOTORS SALES PRIVATE LIMITED	ICRA AAA(SO)	600	6,140.53	0.89%
HPCL-MITTAL ENERGY LIMITED	IND AA	350	5,851.57	0.84%
ORIENTAL SALES AGENCIES (INDIA) PVT LTD	BWR A+(SO)	480	5,733.84	0.83%
IIFL HOME FINANCE LIMITED	CRISIL AA	550	5,514.39	0.79%
HINDUJA LEYLAND FINANCE LIMITED	CARE AA-	500	5,314.95	0.77%
AU SMALL FINANCE BANK LIMITED	ICRA AA-	500	5,132.80	0.74%
RURAL ELECTRIFICATION CORPORATION LIMITED	IND AAA	500	4,991.50	0.72%
TATA MOTORS LIMITED	CARE AA+	500	4,884.76	0.7%
NTPC-SAIL POWER COMPANY LIMITED	CARE AA	500	4,796.17	0.69%
PNB HOUSING FINANCE LIMITED	CARE AAA	460	4,686.81	0.68%
PIRAMAL ENTERPRISES LIMITED	ICRA AA	460	4,648.43	0.67%
RURAL ELECTRIFICATION CORPORATION LIMITED	CRISIL AAA	450	4,522.11	0.65%
DALMIA CEMENT (BHARAT) LIMITED	ICRA AA	400	4,218.09	0.61%
BHARTI AIRTEL LIMITED	CRISIL AA+	410	4,122.33	0.59%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	400	4,024.97	0.58%
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED	ICRA AA+	400	3,998.64	0.58%
JAMNAGAR UTILITIES & POWER PRIVATE LIMITED	CRISIL AAA	380	3,869.98	0.56%
NATIONAL HIGHWAYS AUTHORITY OF INDIA	CRISIL AAA	400	3,884.28	0.56%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA(SO)	3,825	3,805.96	0.55%
DALMIA CEMENT (BHARAT) LIMITED	ICRA AA	350	3,714.67	0.54%
SHAPOORJI PALLONJI ENERGY (GUJARAT) PRIVATE LIMITED	ICRA AA(SO)	36	3,635.14	0.52%
BANK OF BARODA	CARE AA	350	3,605.07	0.52%
SOBHA LIMITED	ICRA A+	3,500	3,551.66	0.51%
RURAL ELECTRIFICATION CORPORATION LIMITED	CRISIL AAA	350	3,548.48	0.51%
SINTEX-BAPL LIMITED	BWR AA-	3,333	3,458.99	0.5%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA(SO)	3,500	3,487.95	0.5%
SINTEX-BAPL LIMITED	BWR AA-	3,333	3,388.64	0.49%
SINTEX-BAPL LIMITED	BWR AA-	3,333	3,422.59	0.49%
BANK OF BARODA	CARE AA	327	3,344.95	0.48%
VEDANTA LIMITED	CRISIL AA	300	3,298.15	0.48%
PUNJAB NATIONAL BANK	BWR A+	322	3,223.03	0.46%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	310	3,210.66	0.46%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA(SO)	3,194	3,208.60	0.46%
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED	CRISIL AAA	31	3,108.90	0.45%
CROMPTON GREAVES CONSUMER ELECTRICALS LIMITED	CRISIL AA	310	3,122.06	0.45%
TATA POWER COMPANY LIMITED	CARE AA	300	3,078.84	0.44%
TATA POWER COMPANY LIMITED	CARE AA	300	3,048.59	0.44%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA(SO)	3,000	3,009.70	0.43%
TATA POWER COMPANY LIMITED	CARE AA	300	3,001.52	0.43%
VEDANTA LIMITED	CRISIL AA	250	2,906.08	0.42%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	20	2,918.96	0.42%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	20	2,895.17	0.42%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	20	2,935.61	0.42%
NTPC LIMITED	CRISIL AAA	250	2,769.94	0.4%
ORIENTAL NAGPUR BETUL HIGHWAY LIMITED	CRISIL AAA(SO)	2,776	2,770.97	0.4%
TATA POWER COMPANY LIMITED	ICRA AA-	250	2,690.78	0.39%
NUVOCO VISTAS CORPORATION LIMITED	CRISIL AA	250	2,583.02	0.37%
NUVOCO VISTAS CORPORATION LIMITED	CRISIL AA	250	2,568.09	0.37%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	250	2,546.94	0.37%
NUVOCO VISTAS CORPORATION LIMITED	CRISIL AA	250	2,578.17	0.37%
RURAL ELECTRIFICATION CORPORATION LIMITED	CRISIL AAA	250	2,524.90	0.36%
RELIANCE JIO INFOCOMM LIMITED	CRISIL AAA	250	2,474.60	0.36%
POWER FINANCE CORPORATION LIMITED	CRISIL AAA	250	2,483.52	0.36%
SBI CARDS & PAYMENT SERVICES PRIVATE LIMITED	CRISIL AAA	250	2,425.48	0.35%
AXIS BANK LIMITED	CRISIL AA+	220	2,262.25	0.33%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	20	2,265.21	0.33%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	17	2,238.76	0.32%
GALINA CONSULTANCY SERVICES PRIVATE LIMITED	ICRA AA(SO)	22	2,220.81	0.32%
IDFC BANK LIMITED	ICRA AA+	210	2,173.73	0.31%
KKR INDIA FINANCIAL SERVICES PRIVATE LIMITED	CRISIL AA+	15	2,123.74	0.31%
EXPORT-IMPORT BANK OF INDIA	CRISIL AAA	200	2,085.26	0.3%
NRB BEARING LIMITED	CRISIL AA-	200	2,013.56	0.29%
TATA POWER COMPANY LIMITED	CARE AA	200	2,015.50	0.29%
RURAL ELECTRIFICATION CORPORATION LIMITED	CARE AAA	200	2,018.22	0.29%
CROMPTON GREAVES CONSUMER ELECTRICALS LIMITED	CRISIL AA	190	1,918.00	0.28%
FORBES & COMPANY LTD.	ICRA AA-	190	1,895.96	0.27%
RURAL ELECTRIFICATION CORPORATION LIMITED	CRISIL AAA	130	1,368.06	0.2%
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED	CRISIL AAA	12	1,219.12	0.18%
POWER GRID CORPORATION OF INDIA LIMITED	CRISIL AAA	100	1,083.62	0.16%
UNITED INDIA INSURANCE COMPANY LIMITED	CRISIL AAA	100	1,009.34	0.15%
INDUSIND BANK LIMITED	CRISIL AA	100	1,021.43	0.15%
JAMNAGAR UTILITIES & POWER PRIVATE LIMITED	CRISIL AAA	100	1,026.64	0.15%
IIFL HOME FINANCE LIMITED	ICRA AA	60	725.13	0.1%
DEWAN HOUSING FINANCE CORPORATION LIMITED	CARE AAA	60,000	650.61	0.09%
PNB HOUSING FINANCE LIMITED	CARE AAA	50	515.55	0.07%
NUCLEAR POWER CORPORATION OF INDIA LIMITED	CRISIL AAA	50	505.66	0.07%
FULLERTON INDIA CREDIT COMPANY LTD	CARE AAA	50	511.69	0.07%
NUCLEAR POWER CORPORATION OF INDIA LIMITED	CRISIL AAA	50	506.79	0.07%
SUNNY VIEW ESTATES PRIVATE LIMITED	ICRA AA(SO)	50	507.60	0.07%
ADANI TRANSMISSION LIMITED	IND AA+	50	513.29	0.07%
NUCLEAR POWER CORPORATION OF INDIA LIMITED	CRISIL AAA	50	504.76	0.07%
JAMNAGAR UTILITIES & POWER PRIVATE LIMITED	CRISIL AAA	50	510.18	0.07%
NUCLEAR POWER CORPORATION OF INDIA LIMITED	CRISIL AAA	50	505.19	0.07%
INDOSTAR CAPITAL FINANCE LIMITED	CARE AA-	5	510.24	0.07%
NUCLEAR POWER CORPORATION OF INDIA LIMITED	CRISIL AAA	50	506.95	0.07%
SUNDARAM BNP PARIBAS HOME FINANCE LIMITED	CARE AA+	15	165.43	0.02%
RURAL ELECTRIFICATION CORPORATION LIMITED	CRISIL AAA	16	171.52	0.02%
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED	CRISIL AAA	1	100.40	0.01%

Money market instruments1.68%

Name	Rating	Quantity	Market value (in lakhs)	% of Net Assets
INDIABULLS HOUSING FINANCE LIMITED	CRISIL A1+	1,500	6,976.50	1.01%
DEWAN HOUSING FINANCE CORPORATION LIMITED	CRISIL A1+	1,000	4,635.51	0.67%

Securitized Debt Instruments3.17%

Name	Rating	Quantity	Market value (in lakhs)	% of Net Assets
MFL SECURITISATION TRUST - LII	CRISIL AAA(SO)	65	2,921.74	0.42%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	258	2,584.03	0.37%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	247	2,477.56	0.36%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	252	2,525.14	0.36%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	241	2,417.68	0.35%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	235	2,357.74	0.34%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	231	2,318.03	0.33%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	218	2,185.49	0.32%
RENT-A-DEVICE TRUST	ICRA AAA(SO)	224	2,246.79	0.32%

CBLO0.04%

Name	Rating	Quantity	Market value (in lakhs)	% of Net Assets
CBLO / REVERSE REPO INVESTMENTS	--	--	251.00	0.04%

DSP Credit Risk Fund presentation

×

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

Risk:

Age:

AUM:

Horizon:

Goal:

Benchmark:

Performance

Pankaj Sharma

Laukik Bagwe

Historical Returns

Portfolio as of Jul 31, 2018

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

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eKYC has annual investment limit of ₹ 50,000

Performance

Historical Returns

Portfolio as of Jul 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 & NCDs95.24%

Money market instruments1.68%

Securitized Debt Instruments3.17%

CBLO0.04%

DSP Credit Risk Fund presentation