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

We don't give personal investment advice. DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly 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: 0.55%.

DSP

DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly

Latest NAV

₹10.6171

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%	-0.16%	+0.01	8 / 16	Q2
1W	-0.30%	-0.43%	+0.13	9 / 16	Q3
2W	-0.12%	-0.08%	-0.04	13 / 16	Q4
1M	-0.07%	+0.41%	-0.48	11 / 16	Q3
3M	+1.14%	+2.27%	-1.13	13 / 16	Q4
6M	+0.77%	+1.33%	-0.56	8 / 16	Q2
YTD	+0.37%	+1.05%	-0.68	8 / 16	Q2
1Y	+0.30%	+1.40%	-1.10	10 / 16	Q3
2Y	+0.72%	+2.49%	-1.76	8 / 15	Q3
3Y	+0.41%	+2.38%	-1.97	8 / 15	Q3
4Y	+1.42%	+2.95%	-1.53	9 / 15	Q3
5Y	+0.55%	+1.31%	-0.76	4 / 12	Q2
7Y	-0.24%	+0.40%	-0.64	9 / 12	Q3
10Y	+0.07%	+1.39%	-1.32	7 / 9	Q4
Inception	+0.50%	+2.77%	-2.26	13 / 16	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	+0.37%	+1.30%	-0.93	8 / 13
2025	+0.74%	+3.38%	-2.64	10 / 13
2024	+0.70%	+3.86%	-3.16	7 / 12
2023	+0.43%	+3.79%	-3.36	9 / 12
2022	+0.34%	+0.23%	+0.11	4 / 12
2021	-0.81%	-1.78%	+0.98	5 / 12
2020	-0.66%	-1.82%	+1.16	9 / 12
2019	+1.07%	+2.26%	-1.19	7 / 12
2018	+2.42%	+5.72%	-3.30	10 / 11
2017	-1.58%	-1.29%	-0.29	6 / 11
2016	-0.31%	+5.45%	-5.76	10 / 10

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

+0.39%

132 windows

min -5.6% · max 6.4%

59% positive

3-Year rolling

+0.23%

108 windows

min -1.9% · max 2.3%

60% positive

5-Year rolling

+0.17%

83 windows

min -1.2% · max 1.1%

73% positive

7-Year rolling

+0.19%

59 windows

min -0.4% · max 1.0%

71% 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

2.53%

3-year · annualised

Sharpe ratio

-2.38

vs risk-free 6.5%

Sortino ratio

-3.92

Downside-only deviation

Max drawdown

-3.70%

May 2025 → Apr 2026

% positive months

52.8%

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 - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.6272	17 Jul 2026
ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.8879	17 Jul 2026
Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Monthly IDCW	Bandhan	₹10.4780	17 Jul 2026
DSP 10Y G-Sec Fund - Direct Plan - IDCW	DSP	₹10.8462	17 Jul 2026
UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Annual IDCW Option	UTI	₹11.6842	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹10.6171
16 Jul 2026	₹10.6324
15 Jul 2026	₹10.6133
14 Jul 2026	₹10.5919
13 Jul 2026	₹10.6391
10 Jul 2026	₹10.6490
9 Jul 2026	₹10.6183
8 Jul 2026	₹10.6061
7 Jul 2026	₹10.6513
6 Jul 2026	₹10.6591

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 - IDCW - Monthly is ₹10.6171. It's a Gilt Fund with 10-year Constant Duration from DSP, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly 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 - IDCW - Monthly 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 - IDCW - Monthly has delivered a absolute return of 0.30% — -1.1 pp behind the Gilt Fund with 10-year Constant Duration category average of 1.40%. The fund ranks #10 of 16 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly has delivered a CAGR of 0.41% — -1.97 pp behind the Gilt Fund with 10-year Constant Duration category average of 2.38%. The fund ranks #8 of 15 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly has delivered a CAGR of 0.55% — -0.76 pp behind the Gilt Fund with 10-year Constant Duration category average of 1.31%. The fund ranks #4 of 12 in its category — the second (Q2) quartile.

₹1 lakh invested in DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly exactly 10 years ago would be worth approximately ₹100,668 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.07%. The category average over the same window would have grown ₹1 lakh to ₹114,790.

A ₹10,000 monthly SIP in DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹610,984 today. That's an XIRR (money-weighted annualised return) of 0.71%.

A ₹10,000 monthly SIP for 10 years in DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,225,694 (multiplier 1.02×). XIRR: 0.42%. 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 - IDCW - Monthly ranks #4 out of 12 funds in the Gilt Fund with 10-year Constant Duration category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.31%; this fund delivered 0.55%.

The worst peak-to-trough decline DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly 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 - IDCW - Monthly averaged 0.17% (best 1.14%, worst -1.21%). 73% of rolling windows ended positive. The 5-year Sharpe ratio is -2.10 — negative risk-adjusted performance.

In calendar year 2025, DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly returned 0.74% — lagging the Gilt Fund with 10-year Constant Duration category average of 3.38% by 2.64 pp. It ranked #10 of 13 in its category that year.

DSP 10Y G-Sec Fund - Direct Plan - IDCW - Monthly 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 - IDCW - Monthly 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: 0.55%.

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