Should I invest in DSP BlackRock Bond Fund-Monthly Dividend?

We don't give personal investment advice. DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend 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: 2.5%. 5-year CAGR: 0.34%.

DSP BlackRock

DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend

Latest NAV

₹11.2891

As of

12 Jun 2026

4,885 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	-0.04%	-0.05%	+0.01	2 / 7	Q2
1W	+0.99%	+0.82%	+0.17	2 / 7	Q2
2W	+1.26%	+1.06%	+0.20	1 / 7	Q1
1M	+0.97%	+0.97%	+0.00	2 / 7	Q2
3M	+1.05%	+0.11%	+0.94	4 / 7	Q3
6M	+1.10%	+0.93%	+0.17	5 / 7	Q3
YTD	+1.00%	+0.84%	+0.16	5 / 7	Q3
1Y	+1.07%	+2.45%	-1.38	6 / 7	Q4
2Y	+0.83%	+4.77%	-3.95	6 / 7	Q4
3Y	+0.72%	+3.65%	-2.92	6 / 7	Q4
4Y	+0.99%	+5.88%	-4.89	7 / 7	Q4
5Y	+0.34%	+4.87%	-4.53	6 / 7	Q4
7Y	+1.00%	+4.20%	-3.19	7 / 7	Q4
10Y	+0.27%	+3.11%	-2.84	7 / 7	Q4
Inception	+0.43%	+3.23%	-2.81	6 / 7	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	+1.00%	+0.84%	+0.16	5 / 7
2025	+0.49%	+4.57%	-4.08	6 / 7
2024	+0.63%	+4.06%	-3.43	6 / 7
2023	+0.22%	+2.59%	-2.37	5 / 7
2022	-0.13%	+11.86%	-11.99	6 / 7
2021	-0.01%	+1.90%	-1.91	6 / 7
2020	+0.75%	+6.47%	-5.72	7 / 7
2019	-0.48%	-4.75%	+4.27	2 / 7
2018	+0.35%	+0.18%	+0.17	3 / 7
2017	+1.63%	+0.56%	+1.07	3 / 7
2016	-1.27%	+6.00%	-7.26	7 / 7

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

+0.35%

234 windows

min -5.6% · max 6.5%

65% positive

3-Year rolling

+0.33%

210 windows

min -1.6% · max 2.6%

68% positive

5-Year rolling

+0.21%

186 windows

min -1.0% · max 1.9%

59% positive

7-Year rolling

+0.12%

161 windows

min -0.9% · max 1.5%

65% positive

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

0.87%

3-year · annualised

Sharpe ratio

-6.64

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.99%

May 2025 → Apr 2026

% positive months

58.3%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC High Interest Fund - Short Term Plan-Dividend Option	HDFC	₹10.1082	12 Jun 2026
Nippon India Medium Duration Fund - Segregated Portfolio 2 - Bonus Option	Nippon India	₹0.0000	12 Jun 2026
SBI Magnum Income Plus Fund - Investment Plan (D)	SBI	₹20.8794	12 Jun 2026
ICICI Prudential Long Term Floating Rate Plan-Plan A-Growth	ICICI Prudential	₹47.6952	12 Jun 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,338.9886	12 Jun 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.6802	12 Jun 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹14.8533	12 Jun 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹27.0270	12 Jun 2026
DSP BlackRock Bond Fund - Retail Plan-Dividend	DSP BlackRock	₹11.5389	12 Jun 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.6577	12 Jun 2026

Recent NAVs

Date	NAV
12 Jun 2026	₹11.2891
11 Jun 2026	₹11.2777
10 Jun 2026	₹11.2818
9 Jun 2026	₹11.2845
8 Jun 2026	₹11.2420
5 Jun 2026	₹11.2084
4 Jun 2026	₹11.1669
3 Jun 2026	₹11.1598
2 Jun 2026	₹11.1629
1 Jun 2026	₹11.1551

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 12 Jun 2026, the NAV of DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend is ₹11.2891. It's a Medium Duration Fund from DSP BlackRock, run as a Retail plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend is managed by DSP BlackRock. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend has delivered a absolute return of 1.07% — -1.38 pp behind the Medium Duration Fund category average of 2.45%. The fund ranks #6 of 7 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend has delivered a CAGR of 0.72% — -2.92 pp behind the Medium Duration Fund category average of 3.65%. The fund ranks #6 of 7 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend has delivered a CAGR of 0.34% — -4.53 pp behind the Medium Duration Fund category average of 4.87%. The fund ranks #6 of 7 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend exactly 10 years ago would be worth approximately ₹102,771 today — a multiplier of 1.03×, based on the 10-year CAGR of 0.27%. The category average over the same window would have grown ₹1 lakh to ₹135,896.

A ₹10,000 monthly SIP in DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹610,811 today. That's an XIRR (money-weighted annualised return) of 0.70%.

A ₹10,000 monthly SIP for 10 years in DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,228,064 (multiplier 1.02×). XIRR: 0.46%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend ranks #6 out of 7 funds in the Medium Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.87%; this fund delivered 0.34%.

The worst peak-to-trough decline DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend has experienced over the last 5-year window is 2.48% — its NAV fell from a high on 23 Sep 2021 to a low on 06 May 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 BlackRock Bond Fund - Retail Plan-Monthly Dividend averaged 0.21% (best 1.89%, worst -1.04%). 59% of rolling windows ended positive. The 5-year Sharpe ratio is -4.78 — negative risk-adjusted performance.

In calendar year 2025, DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend returned 0.49% — lagging the Medium Duration Fund category average of 4.57% by 4.08 pp. It ranked #6 of 7 in its category that year.

DSP BlackRock Bond Fund - Retail Plan-Monthly Dividend 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 BlackRock Bond Fund - Retail Plan-Monthly Dividend 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: 2.5%. 5-year CAGR: 0.34%.

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