Should I invest in DSP 10Y G-Sec Fund?

We don't give personal investment advice. DSP 10Y G-Sec Fund - Direct Plan - Growth is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.5%. 5-year CAGR: 5.21%.

DSP

DSP 10Y G-Sec Fund - Direct Plan - Growth

Latest NAV

₹23.1356

As of

17 Jul 2026

2,858 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.14%	-0.14%	0.00	3 / 5	Q3
1W	-0.30%	-0.30%	+0.01	4 / 5	Q4
2W	-0.12%	+0.00%	-0.12	5 / 5	Q4
1M	+1.12%	+1.30%	-0.17	5 / 5	Q4
3M	+2.35%	+2.78%	-0.43	5 / 5	Q4
6M	+2.46%	+3.29%	-0.83	5 / 5	Q4
YTD	+2.05%	+2.98%	-0.93	5 / 5	Q4
1Y	+2.56%	+4.03%	-1.47	5 / 5	Q4
2Y	+6.35%	+7.30%	-0.94	5 / 5	Q4
3Y	+6.63%	+7.33%	-0.69	5 / 5	Q4
4Y	+7.33%	+7.78%	-0.45	5 / 5	Q4
5Y	+5.21%	+6.05%	-0.84	4 / 4	Q4
7Y	+5.64%	+6.41%	-0.77	4 / 4	Q4
10Y	+6.60%	+7.64%	-1.04	4 / 4	Q4
Inception	+7.36%	+8.14%	-0.78	5 / 5	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+2.05%	+2.98%	-0.93	5 / 5
2025	+6.52%	+7.31%	-0.78	5 / 5
2024	+9.32%	+9.67%	-0.35	5 / 5
2023	+7.92%	+7.72%	+0.20	1 / 5
2022	+0.34%	+1.06%	-0.72	4 / 4
2021	+0.95%	+2.08%	-1.14	4 / 4
2020	+11.49%	+12.28%	-0.79	4 / 4
2019	+11.37%	+13.04%	-1.67	4 / 4
2018	+5.97%	+9.45%	-3.48	4 / 4
2017	+2.80%	+4.32%	-1.52	3 / 4
2016	+15.71%	+13.87%	+1.83	2 / 4

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.27%

132 windows

min -4.7% · max 18.0%

88% positive

3-Year rolling

+6.81%

108 windows

min 2.5% · max 11.3%

100% positive

5-Year rolling

+6.75%

83 windows

min 4.4% · max 9.9%

100% positive

7-Year rolling

+6.74%

59 windows

min 5.4% · max 8.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

2.73%

3-year · annualised

Sharpe ratio

0.01

vs risk-free 6.5%

Sortino ratio

0.02

Downside-only deviation

Max drawdown

-2.74%

Mar 2026 → Apr 2026

% positive months

75.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Gilt Fund with 10-year Constant Duration

Scheme	Fund house	NAV	As of
SBI CONSTANT MATURITY 10 YEAR GILT FUND - DIRECT PLAN - GROWTH	SBI	₹69.5613	17 Jul 2026
ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Growth	ICICI Prudential	₹26.7037	17 Jul 2026
Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth	Bandhan	₹49.3490	17 Jul 2026
UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option	UTI	₹13.4022	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹23.1356
16 Jul 2026	₹23.1688
15 Jul 2026	₹23.1272
14 Jul 2026	₹23.0805
13 Jul 2026	₹23.1833
10 Jul 2026	₹23.2049
9 Jul 2026	₹23.1381
8 Jul 2026	₹23.1114
7 Jul 2026	₹23.2101
6 Jul 2026	₹23.2270

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of DSP 10Y G-Sec Fund - Direct Plan - Growth is ₹23.1356. It's a Gilt Fund with 10-year Constant Duration from DSP, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

DSP 10Y G-Sec Fund - Direct Plan - Growth has NAV history starting from 29 Sep 2014, a track record of about 11 years 9 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

DSP 10Y G-Sec Fund - Direct Plan - Growth is managed by DSP. It's classified by AMFI under the 'Gilt Fund with 10-year Constant Duration' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP 10Y G-Sec Fund - Direct Plan - Growth has delivered a absolute return of 2.56% — -1.47 pp behind the Gilt Fund with 10-year Constant Duration category average of 4.03%. The fund ranks #5 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP 10Y G-Sec Fund - Direct Plan - Growth has delivered a CAGR of 6.63% — -0.69 pp behind the Gilt Fund with 10-year Constant Duration category average of 7.33%. The fund ranks #5 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DSP 10Y G-Sec Fund - Direct Plan - Growth has delivered a CAGR of 5.21% — -0.84 pp behind the Gilt Fund with 10-year Constant Duration category average of 6.05%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP 10Y G-Sec Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹189,423 today — a multiplier of 1.89×, based on the 10-year CAGR of 6.60%. The category average over the same window would have grown ₹1 lakh to ₹208,786.

A ₹10,000 monthly SIP in DSP 10Y G-Sec Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹703,913 today. That's an XIRR (money-weighted annualised return) of 6.32%.

A ₹10,000 monthly SIP for 10 years in DSP 10Y G-Sec Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,648,151 (multiplier 1.37×). XIRR: 6.18%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP 10Y G-Sec Fund - Direct Plan - Growth ranks #4 out of 4 funds in the Gilt Fund with 10-year Constant Duration category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.05%; this fund delivered 5.21%.

The worst peak-to-trough decline DSP 10Y G-Sec Fund - Direct Plan - Growth has experienced over the last 5-year window is 5.45% — its NAV fell from a high on 21 Sep 2021 to a low on 13 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, DSP 10Y G-Sec Fund - Direct Plan - Growth averaged 6.75% (best 9.94%, worst 4.36%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.43 — negative risk-adjusted performance.

In calendar year 2025, DSP 10Y G-Sec Fund - Direct Plan - Growth returned 6.52% — lagging the Gilt Fund with 10-year Constant Duration category average of 7.31% by 0.78 pp. It ranked #5 of 5 in its category that year.

DSP 10Y G-Sec Fund - Direct Plan - Growth is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. DSP 10Y G-Sec Fund - Direct Plan - Growth is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.5%. 5-year CAGR: 5.21%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

DSP 10Y G-Sec Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund with 10-year Constant Duration

Recent NAVs

Frequently asked questions

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