DSP Credit Risk Fund vs Bank of India Credit Risk Fund
DSP Credit Risk Fund (Direct) and Bank of India Credit Risk Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Credit Risk Fund schemes — see the best credit risk mutual funds for the full ranking.
Head to head
NAVs as of 01 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 09 Mar 2015 – 01 Oct 2026, limited by Bank of India Credit Risk Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | DSP Credit Risk Fund | Bank of India Credit Risk Fund |
|---|---|---|
| 09 Mar 2015 | ₹100.00 | ₹100.00 |
| 24 Feb 2016 | ₹108.57 | ₹108.20 |
| 10 Feb 2017 | ₹120.90 | ₹121.01 |
| 28 Jan 2018 | ₹128.97 | ₹131.37 |
| 15 Jan 2019 | ₹126.51 | ₹131.35 |
| 02 Jan 2020 | ₹132.67 | ₹71.75 |
| 19 Dec 2020 | ₹139.83 | ₹39.88 |
| 06 Dec 2021 | ₹145.08 | ₹43.74 |
| 23 Nov 2022 | ₹158.83 | ₹106.29 |
| 10 Nov 2023 | ₹184.43 | ₹112.24 |
| 27 Oct 2024 | ₹199.68 | ₹119.23 |
| 14 Oct 2025 | ₹244.44 | ₹127.18 |
| 01 Oct 2026 | ₹270.13 | ₹148.78 |
| Metric | DSP · Direct NAV ₹60.87 Moderate risk ★★★★☆ | Bank of India · Direct NAV ₹14.92 Moderate risk ★★★☆☆ | Category median Credit Risk Fund · 12 funds |
|---|---|---|---|
| +10.85% | +17.20%Best in row | +7.55% | |
| +16.68%Best in row | +10.05% | +8.86% | |
| +13.35% | +27.80%Best in row | +7.68% | |
| +8.69%Best in row | +2.42% | +7.72% | |
| +9.17% | +3.49% | +8.43% | |
| +14.50% | +14.80%Best in row | — | |
| +8.50%Best in row | +4.20% | +8.20% | |
| +7.52%Best in row | +1.07% | +7.59% | |
| +8.03%Best in row | +2.18% | +7.99% | |
| Risk | |||
| 7.67% | 4.37%Best in row | 1.37% | |
| 1.33Best in row | 0.81 | 1.51 | |
| 9.48 | 10.08Best in row | 3.53 | |
| -5.98% | -73.37% | -3.67% | |
| 0.43%Best in row | 0.61% | 0.80% | |
| ₹250.18Cr | ₹94.09Cr | ₹354.86Cr | |
| Up to 3.00% | Up to 1.00% | — | |
| ₹100 | — | — | |
| ₹100 | ₹5.00K | — | |
| Vivek Ramakrishnan · 5.2y | Alok Singh | — | |
| 02 Jan 2013 | 09 Mar 2015 | — | |
| 3.9% | 28.8% | — | |
9 rows carry the same value for every fund — show
- Benchmark
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- Alpha
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- Beta
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- Upside capture
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- Downside capture
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- Lock-in
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- Portfolio turnover
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- Holdings
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- Top 10 weight
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Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — DSP Credit Risk Fund or Bank of India Credit Risk Fund?
Over the last 3 years, DSP Credit Risk Fund returned +16.68% CAGR against Bank of India Credit Risk Fund's +10.05%, computed from AMFI NAV history. Over 5 years: DSP Credit Risk Fund +13.35% vs Bank of India Credit Risk Fund +27.80% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — DSP Credit Risk Fund or Bank of India Credit Risk Fund?
DSP Credit Risk Fund has the lower expense ratio: DSP Credit Risk Fund charges 0.43% a year against Bank of India Credit Risk Fund's 0.61%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — DSP Credit Risk Fund or Bank of India Credit Risk Fund?
DSP Credit Risk Fund has shown higher volatility (+7.67% annualized vs Bank of India Credit Risk Fund's +4.37%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: DSP Credit Risk Fund -1.77% vs Bank of India Credit Risk Fund -0.21%.
Which fund manages more money — DSP Credit Risk Fund or Bank of India Credit Risk Fund?
DSP Credit Risk Fund is the larger fund: DSP Credit Risk Fund manages ₹250.18Cr against Bank of India Credit Risk Fund's ₹94.09Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are DSP Credit Risk Fund and Bank of India Credit Risk Fund in the same category?
Yes — both are Credit Risk Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.