﻿<?xml version="1.0" encoding="utf-8"?><SchemeSummaryDocument xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><SchemeSummary><Fund_Name>DSP Credit Risk Fund</Fund_Name><Option_Names_Regular__Direct>Regular Plan &amp;amp; Direct Plan Growth*  Income Distribution cum Capital Withdrawal (IDCW) - Payout of Income Distribution cum Capital Withdrawal (IDCW)* - Reinvestment of Income Distribution cum Capital Withdrawal (IDCW)  *Default Option</Option_Names_Regular__Direct><Fund_Type>An open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds). A relatively high interest rate risk and relatively high credit risk.</Fund_Type><Riskometer_At_the_time_of_Launch>Very High</Riskometer_At_the_time_of_Launch><Riskometer_as_on_Date>Moderately High</Riskometer_as_on_Date><Category_as_Per_SEBI_Categorization_Circular>Credit Risk Fund</Category_as_Per_SEBI_Categorization_Circular><Potential_Risk_Class_as_on_date>C-III</Potential_Risk_Class_as_on_date><Description_Objective_of_the_scheme>The primary investment objective of the Scheme 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 achieved.</Description_Objective_of_the_scheme><Stated_Asset_Allocation>1. Investment in corporate bonds which are AA and below rated instruments: 65% - 100% 2. Investment in other debt and money market instruments: 0% - 35% 3. Units issued by InviTS: 0% - 10% For detailed asset allocation pattern, please refer to the Scheme Information Document</Stated_Asset_Allocation><Face_Value>Rs. 10/-</Face_Value><NFO_Open_Date>12-May-2003</NFO_Open_Date><NFO_Close_date>12-May-2003</NFO_Close_date><Allotment_Date>13-May-2003</Allotment_Date><Reopen_Date>14-May-2003</Reopen_Date><Maturity_Date_For_closedend_funds>Not Applicable</Maturity_Date_For_closedend_funds><Benchmark_Tier_1>CRISIL Credit Risk Debt B-II Index</Benchmark_Tier_1><Benchmark_Tier_2>Not Applicable</Benchmark_Tier_2><Fund_Manager_Name>Mr. Vivek Ramakrishnan, Mr. Shalini Vasanta, Mr. Kunal Khudania</Fund_Manager_Name><Fund_Manager_Type_PrimaryComanageDescription>Mr. Vivek Ramakrishnan - Primary, Mr. Shalini Vasanta - Comanage, Mr. Kunal Khudania - Comanage</Fund_Manager_Type_PrimaryComanageDescription><Fund_Manager_From_Date>Mr. Vivek Ramakrishnan - 17/07/2021, Mr. Shalini Vasanta - 01/01/2025, Mr. Kunal Khudania - 01/01/2026</Fund_Manager_From_Date><Annual_Expense_Stated_maximum>Regular 1.19, Direct 0.42</Annual_Expense_Stated_maximum><Exit_Load_if_applicable>NIL - If the units redeemed or switched-out are upto 10% of the units purchased or switched-in within 12 months from the date of allotment, NIL - If units are redeemed or switched out on or after 12 months from the date of allotment, 1% - If units redeemed or switched-out are in excess of 10% of the units purchased or switched-in within 12 months from the date of allotment
Note: No exit load shall be levied in case of switch of investments from Direct Plan to Regular Plan and vice versa.</Exit_Load_if_applicable><Custodian>HSBC</Custodian><Auditor>M/s S.R. Batliboi &amp;amp; Co., LLP</Auditor><Registrar>Computer Age Management Services Limited</Registrar><RTA_Code_To_be_phased_out>DSP Credit Risk Fund - Direct Plan - Growth - 749, DSP Credit Risk Fund - Direct Plan - IDCW - 750, DSP Credit Risk Fund - Direct Plan - IDCW - Reinvest - 753, DSP Credit Risk Fund - Regular Plan - Growth - 78 , DSP Credit Risk Fund - Regular Plan - IDCW - 79 , DSP Credit Risk Fund - Regular Plan - IDCW - Reinvest - 403</RTA_Code_To_be_phased_out><Listing_Details>Not Applicable</Listing_Details><ISINs>DSP Credit Risk Fund - Direct Plan - Growth - INF740K01OS4, DSP Credit Risk Fund - Direct Plan - IDCW - INF740K01OT2, DSP Credit Risk Fund - Direct Plan - IDCW - Reinvest - INF740K01OU0, DSP Credit Risk Fund - Regular Plan - Growth - INF740K01599, DSP Credit Risk Fund - Regular Plan - IDCW - INF740K01581, DSP Credit Risk Fund - Regular Plan - IDCW - Reinvest - INF740K01AB9</ISINs><AMFI_Codes_To_be_phased_out>DSP Credit Risk Fund - Direct Plan - Growth - 119082, DSP Credit Risk Fund - Direct Plan - IDCW - 119083, DSP Credit Risk Fund - Direct Plan - IDCW - Reinvest - 119083, DSP Credit Risk Fund - Regular Plan - Growth - 101837, DSP Credit Risk Fund - Regular Plan - IDCW - 101839, DSP Credit Risk Fund - Regular Plan - IDCW - Reinvest - 101839</AMFI_Codes_To_be_phased_out><SEBI_Codes>DSPM/O/D/CRF/03/04/0010</SEBI_Codes><Minimum_Application_Amount>100</Minimum_Application_Amount><Minimum_Application_Amount_in_multiples_of_Rs>1</Minimum_Application_Amount_in_multiples_of_Rs><Minimum_Additional_Amount>100</Minimum_Additional_Amount><Minimum_Additional_Amount_in_multiples_of_Rs>1</Minimum_Additional_Amount_in_multiples_of_Rs><Minimum_Redemption_Amount_in_Rs>0.01</Minimum_Redemption_Amount_in_Rs><Minimum_Redemption_Amount_in_Units>0.001</Minimum_Redemption_Amount_in_Units><Minimum_Balance_Amount_if_applicable>NA</Minimum_Balance_Amount_if_applicable><Minimum_Balance_Amount_in_Units_if_applicable>NA</Minimum_Balance_Amount_in_Units_if_applicable><Max_Investment_Amount>NA</Max_Investment_Amount><Minimum_Switch_Amount_if_applicable>100</Minimum_Switch_Amount_if_applicable><Minimum_Switch_Units>0.001</Minimum_Switch_Units><Switch_Multiple_Amount_if_applicable>0.01</Switch_Multiple_Amount_if_applicable><Switch_Multiple_Units_if_applicable>0.001</Switch_Multiple_Units_if_applicable><Max_Switch_Amount>NA</Max_Switch_Amount><Max_Switch_Units_if_applicable>NA</Max_Switch_Units_if_applicable><Swing_Pricing_if_applicable>No</Swing_Pricing_if_applicable><Sidepocketing_if_applicable>Yes</Sidepocketing_if_applicable><SIP_SWP__STP_Details_Frequency>SIP - Daily / Weekly/  Monthly / Quarterly / Half-yearly / Yearly, SWP - Weekly / Monthly / Quarterly/ Half-yearly / Yearly, STP - Daily / Weekly / Monthly / Quarterly/ Half-yearly / Yearly</SIP_SWP__STP_Details_Frequency><SIP_SWP__STP_Details_Minimum_amount>SIP, SWP, STP - Rs. 100/- for all frequencies</SIP_SWP__STP_Details_Minimum_amount><SIP_SWP__STP_Details_In_multiple_of>SIP - 1, SWP - 1, STP - 1</SIP_SWP__STP_Details_In_multiple_of><SIP_SWP__STP_Details_Minimum_Instalments>SIP - Minimum 12 installments for all frequencies, SWP &amp;amp; STP - Minimum 6 for all frequencies</SIP_SWP__STP_Details_Minimum_Instalments><SIP_SWP__STP_Details_Dates>SIP - 01,02,03,04,05,06,07,08,09,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31, SWP - 01,02,03,04,05,06,07,08,09,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31, STP - 01,02,03,04,05,06,07,08,09,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31</SIP_SWP__STP_Details_Dates><SIP_SWP__STP_Details_Maximum_Amount_if_any>Not Applicable </SIP_SWP__STP_Details_Maximum_Amount_if_any></SchemeSummary></SchemeSummaryDocument>