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

We don't give personal investment advice. DSP 10Y G-Sec Fund - Regular 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: 5.7%. 5-year CAGR: 4.37%.

DSP

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

Latest NAV

₹22.0235

As of

3 Jun 2026

2,827 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%	+0.12%	+0.01	1 / 2	Q2
1W	+0.14%	+0.15%	-0.02	2 / 2	Q4
2W	+0.94%	+0.82%	+0.12	1 / 2	Q2
1M	+0.63%	+0.60%	+0.03	1 / 2	Q2
3M	-0.65%	-0.63%	-0.02	2 / 2	Q4
6M	-0.40%	-0.15%	-0.25	2 / 2	Q4
YTD	-0.25%	-0.09%	-0.16	2 / 2	Q4
1Y	+0.19%	+0.47%	-0.28	2 / 2	Q4
2Y	+5.32%	+5.53%	-0.20	2 / 2	Q4
3Y	+5.77%	+5.87%	-0.11	2 / 2	Q4
4Y	+6.78%	+6.78%	+0.00	1 / 1	Q4
5Y	+4.37%	+4.37%	+0.00	1 / 1	Q4
7Y	+5.86%	+5.86%	+0.00	1 / 1	Q4
10Y	+6.40%	+6.40%	+0.00	1 / 1	Q4
Inception	+7.00%	+6.76%	+0.23	1 / 2	Q2

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	-0.25%	-0.09%	-0.16	2 / 2
2025	+6.31%	+6.50%	-0.20	2 / 2
2024	+9.09%	+9.12%	-0.03	2 / 2
2023	+7.70%	+7.45%	+0.25	1 / 2
2022	+0.13%	+0.13%	+0.00	1 / 1
2021	+0.73%	+0.73%	+0.00	1 / 1
2020	+11.28%	+11.28%	+0.00	1 / 1
2019	+11.10%	+11.10%	+0.00	1 / 1
2018	+5.72%	+5.72%	+0.00	1 / 1
2017	+2.54%	+2.54%	+0.00	1 / 1
2016	+15.42%	+15.42%	+0.00	1 / 1

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

+7.03%

131 windows

min -4.4% · max 16.7%

89% positive

3-Year rolling

+6.55%

106 windows

min 2.4% · max 10.5%

100% positive

5-Year rolling

+6.56%

82 windows

min 4.3% · max 9.6%

100% positive

7-Year rolling

+6.56%

58 windows

min 5.4% · max 8.5%

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

2.96%

3-year · annualised

Sharpe ratio

-0.28

vs risk-free 6.5%

Sortino ratio

-0.54

Downside-only deviation

Max drawdown

-2.75%

Mar 2026 → Apr 2026

% positive months

69.4%

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	₹67.7728	3 Jun 2026
ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Growth	ICICI Prudential	₹25.9564	3 Jun 2026
Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth	Bandhan	₹48.1270	3 Jun 2026
DSP 10Y G-Sec Fund - Direct Plan - Growth	DSP	₹22.6066	3 Jun 2026
UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option	UTI	₹13.0518	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹22.0235
2 Jun 2026	₹22.0496
1 Jun 2026	₹22.0192
29 May 2026	₹22.0350
27 May 2026	₹22.0409
26 May 2026	₹22.0190
25 May 2026	₹21.9863
22 May 2026	₹21.8772
21 May 2026	₹21.8469
20 May 2026	₹21.8935

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 03 Jun 2026, the NAV of DSP 10Y G-Sec Fund - Regular Plan - Growth is ₹22.0235. It's a Gilt Fund with 10-year Constant Duration from DSP, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

DSP 10Y G-Sec Fund - Regular Plan - Growth has NAV history starting from 29 Sep 2014, a track record of about 11 years 8 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 - Regular 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 - Regular Plan - Growth has delivered a absolute return of 0.19% — -0.28 pp behind the Gilt Fund with 10-year Constant Duration category average of 0.47%. The fund ranks #2 of 2 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP 10Y G-Sec Fund - Regular Plan - Growth has delivered a CAGR of 5.77% — -0.11 pp behind the Gilt Fund with 10-year Constant Duration category average of 5.87%. The fund ranks #2 of 2 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DSP 10Y G-Sec Fund - Regular Plan - Growth has delivered a CAGR of 4.37% — +0 pp ahead of the Gilt Fund with 10-year Constant Duration category average of 4.37%. The fund ranks #1 of 1 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP 10Y G-Sec Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹186,029 today — a multiplier of 1.86×, based on the 10-year CAGR of 6.40%. The category average over the same window would have grown ₹1 lakh to ₹186,029.

A ₹10,000 monthly SIP in DSP 10Y G-Sec Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹688,688 today. That's an XIRR (money-weighted annualised return) of 5.45%.

A ₹10,000 monthly SIP for 10 years in DSP 10Y G-Sec Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,605,966 (multiplier 1.34×). XIRR: 5.68%. 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 - Regular Plan - Growth ranks #1 out of 1 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 4.37%; this fund delivered 4.37%.

The worst peak-to-trough decline DSP 10Y G-Sec Fund - Regular Plan - Growth has experienced over the last 5-year window is 5.69% — its NAV fell from a high on 24 Jun 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 - Regular Plan - Growth averaged 6.56% (best 9.60%, worst 4.34%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.63 — negative risk-adjusted performance.

In calendar year 2025, DSP 10Y G-Sec Fund - Regular Plan - Growth returned 6.31% — lagging the Gilt Fund with 10-year Constant Duration category average of 6.50% by 0.20 pp. It ranked #2 of 2 in its category that year.

DSP 10Y G-Sec Fund - Regular 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 - Regular 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: 5.7%. 5-year CAGR: 4.37%.

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

DSP 10Y G-Sec Fund - Regular 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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