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

We don't give personal investment advice. DSP 10Y G-Sec Fund - Regular 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: 5.8%. 5-year CAGR: 0.12%.

DSP

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

Latest NAV

₹10.6452

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%	+0.02	1 / 8	Q1
1W	+0.14%	+0.17%	-0.03	7 / 8	Q4
2W	+0.94%	+0.82%	+0.12	3 / 8	Q2
1M	+0.63%	+0.61%	+0.01	2 / 8	Q1
3M	-0.65%	-1.29%	+0.64	5 / 8	Q3
6M	-1.01%	-0.84%	-0.17	5 / 8	Q3
YTD	-0.70%	-0.72%	+0.02	6 / 8	Q3
1Y	-0.78%	-0.49%	-0.29	5 / 8	Q3
2Y	+0.20%	+3.12%	-2.92	6 / 8	Q3
3Y	+0.03%	+3.10%	-3.07	6 / 8	Q3
4Y	+1.41%	+2.86%	-1.44	2 / 4	Q2
5Y	+0.12%	+1.30%	-1.18	2 / 4	Q2
7Y	+0.25%	+0.24%	+0.01	2 / 4	Q2
10Y	+0.28%	+1.03%	-0.75	3 / 4	Q3
Inception	+0.54%	+3.45%	-2.90	7 / 8	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	-0.70%	-0.72%	+0.02	6 / 8
2025	+0.65%	+3.60%	-2.95	7 / 8
2024	+0.69%	+5.33%	-4.65	7 / 8
2023	+0.73%	+5.10%	-4.36	8 / 8
2022	+0.13%	+0.07%	+0.05	2 / 4
2021	-0.91%	-3.62%	+2.71	1 / 4
2020	+0.04%	-4.52%	+4.56	2 / 4
2019	+1.97%	+5.67%	-3.71	4 / 4
2018	+2.53%	+4.59%	-2.06	3 / 4
2017	-1.67%	-1.31%	-0.36	2 / 4
2016	-0.35%	+3.19%	-3.55	3 / 3

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

+0.43%

131 windows

min -5.8% · max 6.3%

60% positive

3-Year rolling

+0.33%

106 windows

min -2.0% · max 2.3%

65% positive

5-Year rolling

+0.38%

82 windows

min -0.8% · max 1.5%

83% positive

7-Year rolling

+0.39%

58 windows

min -0.2% · max 1.1%

86% 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

2.23%

3-year · annualised

Sharpe ratio

-2.89

vs risk-free 6.5%

Sortino ratio

-3.74

Downside-only deviation

Max drawdown

-3.79%

May 2025 → Apr 2026

% positive months

50.0%

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 - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.0454	3 Jun 2026
ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.5552	3 Jun 2026
Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Monthly IDCW	Bandhan	₹10.4595	3 Jun 2026
DSP 10Y G-Sec Fund - Direct Plan - IDCW	DSP	₹10.5983	3 Jun 2026
UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Annual IDCW Option	UTI	₹11.3787	3 Jun 2026
IDFC GSF - Short Term - Growth	IDFC	₹47.2400	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.6452
2 Jun 2026	₹10.6578
1 Jun 2026	₹10.6430
29 May 2026	₹10.6507
27 May 2026	₹10.6535
26 May 2026	₹10.6430
25 May 2026	₹10.6272
22 May 2026	₹10.5744
21 May 2026	₹10.5598
20 May 2026	₹10.5823

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 - IDCW - Monthly is ₹10.6452. It's a Gilt Fund with 10-year Constant Duration from DSP, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP 10Y G-Sec Fund - Regular Plan - IDCW - Monthly 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 - 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 - Regular Plan - IDCW - Monthly has delivered a absolute return of -0.78% — -0.29 pp behind the Gilt Fund with 10-year Constant Duration category average of -0.49%. The fund ranks #5 of 8 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP 10Y G-Sec Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 0.03% — -3.07 pp behind the Gilt Fund with 10-year Constant Duration category average of 3.10%. The fund ranks #6 of 8 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP 10Y G-Sec Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 0.12% — -1.18 pp behind the Gilt Fund with 10-year Constant Duration category average of 1.30%. The fund ranks #2 of 4 in its category — the second (Q2) quartile.

₹1 lakh invested in DSP 10Y G-Sec Fund - Regular Plan - IDCW - Monthly exactly 10 years ago would be worth approximately ₹102,843 today — a multiplier of 1.03×, based on the 10-year CAGR of 0.28%. The category average over the same window would have grown ₹1 lakh to ₹110,791.

A ₹10,000 monthly SIP in DSP 10Y G-Sec Fund - Regular Plan - IDCW - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹605,694 today. That's an XIRR (money-weighted annualised return) of 0.37%.

A ₹10,000 monthly SIP for 10 years in DSP 10Y G-Sec Fund - Regular Plan - IDCW - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,221,710 (multiplier 1.02×). XIRR: 0.36%. 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 - IDCW - Monthly ranks #2 out of 4 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 1.30%; this fund delivered 0.12%.

The worst peak-to-trough decline DSP 10Y G-Sec Fund - Regular Plan - IDCW - Monthly has experienced over the last 5-year window is 5.81% — 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 - IDCW - Monthly averaged 0.38% (best 1.47%, worst -0.80%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -2.26 — negative risk-adjusted performance.

In calendar year 2025, DSP 10Y G-Sec Fund - Regular Plan - IDCW - Monthly returned 0.65% — lagging the Gilt Fund with 10-year Constant Duration category average of 3.60% by 2.95 pp. It ranked #7 of 8 in its category that year.

DSP 10Y G-Sec Fund - Regular 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 - Regular 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: 5.8%. 5-year CAGR: 0.12%.

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