Should I invest in DSP BlackRock Bond Fund?

We don't give personal investment advice. DSP BlackRock Bond Fund - Retail Plan-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: 7.4%. 5-year CAGR: 0.46%.

DSP BlackRock

DSP BlackRock Bond Fund - Retail Plan-Dividend

Latest NAV

₹11.6593

As of

17 Jul 2026

4,909 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%	+0.03%	+0.01	1 / 7	Q1
1W	+0.07%	+0.00%	+0.07	1 / 7	Q1
2W	+0.10%	-0.02%	+0.12	3 / 7	Q2
1M	+0.79%	+0.68%	+0.11	5 / 7	Q3
3M	+2.01%	+1.68%	+0.33	4 / 7	Q3
6M	-1.60%	+0.94%	-2.54	6 / 7	Q4
YTD	-1.98%	+1.67%	-3.64	7 / 7	Q4
1Y	-0.20%	+2.93%	-3.13	7 / 7	Q4
2Y	+0.76%	+4.77%	-4.01	6 / 7	Q4
3Y	+0.29%	+3.85%	-3.56	7 / 7	Q4
4Y	+1.09%	+3.75%	-2.67	6 / 7	Q4
5Y	+0.46%	+5.07%	-4.62	6 / 7	Q4
7Y	+1.31%	+4.08%	-2.77	6 / 7	Q4
10Y	+0.60%	+3.07%	-2.47	6 / 7	Q4
Inception	+0.27%	+3.26%	-3.00	7 / 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	-1.98%	+1.67%	-3.64	7 / 7
2025	+0.07%	+4.57%	-4.49	7 / 7
2024	+0.03%	+4.06%	-4.03	7 / 7
2023	+3.51%	+2.59%	+0.92	3 / 7
2022	-1.09%	+11.86%	-12.95	7 / 7
2021	-2.75%	+1.90%	-4.65	7 / 7
2020	+9.84%	+6.47%	+3.38	2 / 7
2019	-0.53%	-4.75%	+4.22	3 / 7
2018	-2.45%	+0.18%	-2.63	5 / 7
2017	-4.26%	+0.56%	-4.82	7 / 7
2016	+7.09%	+6.00%	+1.09	4 / 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

+0.48%

236 windows

min -6.1% · max 10.4%

52% positive

3-Year rolling

+0.49%

211 windows

min -2.9% · max 4.0%

67% positive

5-Year rolling

+0.46%

187 windows

min -2.0% · max 2.4%

73% positive

7-Year rolling

+0.43%

163 windows

min -1.0% · max 1.8%

69% 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

5.96%

3-year · annualised

Sharpe ratio

-1.01

vs risk-free 6.5%

Sortino ratio

-1.09

Downside-only deviation

Max drawdown

-7.37%

Mar 2025 → Apr 2026

% positive months

83.3%

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	₹10.0948	17 Jul 2026
Nippon India Medium Duration Fund - Segregated Portfolio 2 - Bonus Option	Nippon India	₹0.0000	17 Jul 2026
SBI Magnum Income Plus Fund - Investment Plan (D)	SBI	₹21.1335	17 Jul 2026
ICICI Prudential Long Term Floating Rate Plan-Plan A-Growth	ICICI Prudential	₹48.2972	17 Jul 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,354.2957	17 Jul 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.8072	17 Jul 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹15.0384	17 Jul 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹27.3978	17 Jul 2026
DSP BlackRock Bond Fund - Retail Plan-Growth	DSP BlackRock	₹86.4829	17 Jul 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.7835	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.6593
16 Jul 2026	₹11.6545
15 Jul 2026	₹11.6409
14 Jul 2026	₹11.6288
13 Jul 2026	₹11.6393
10 Jul 2026	₹11.6507
9 Jul 2026	₹11.6447
8 Jul 2026	₹11.6474
7 Jul 2026	₹11.6606
6 Jul 2026	₹11.6564

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 BlackRock Bond Fund - Retail Plan-Dividend is ₹11.6593. 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-Dividend has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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-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-Dividend has delivered a absolute return of -0.20% — -3.13 pp behind the Medium Duration Fund category average of 2.93%. The fund ranks #7 of 7 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP BlackRock Bond Fund - Retail Plan-Dividend has delivered a CAGR of 0.29% — -3.56 pp behind the Medium Duration Fund category average of 3.85%. The fund ranks #7 of 7 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DSP BlackRock Bond Fund - Retail Plan-Dividend has delivered a CAGR of 0.46% — -4.62 pp behind the Medium Duration Fund category average of 5.07%. The fund ranks #6 of 7 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP BlackRock Bond Fund - Retail Plan-Dividend exactly 10 years ago would be worth approximately ₹106,157 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.60%. The category average over the same window would have grown ₹1 lakh to ₹135,300.

A ₹10,000 monthly SIP in DSP BlackRock Bond Fund - Retail Plan-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹603,642 today. That's an XIRR (money-weighted annualised return) of 0.24%.

A ₹10,000 monthly SIP for 10 years in DSP BlackRock Bond Fund - Retail Plan-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,231,236 (multiplier 1.03×). XIRR: 0.51%. 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-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 5.07%; this fund delivered 0.46%.

The worst peak-to-trough decline DSP BlackRock Bond Fund - Retail Plan-Dividend has experienced over the last 5-year window is 7.37% — its NAV fell from a high on 31 Mar 2025 to a low on 02 Apr 2026. 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-Dividend averaged 0.46% (best 2.39%, worst -2.01%). 73% of rolling windows ended positive. The 5-year Sharpe ratio is -1.12 — negative risk-adjusted performance.

In calendar year 2025, DSP BlackRock Bond Fund - Retail Plan-Dividend returned 0.07% — lagging the Medium Duration Fund category average of 4.57% by 4.49 pp. It ranked #7 of 7 in its category that year.

DSP BlackRock Bond Fund - Retail Plan-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-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: 7.4%. 5-year CAGR: 0.46%.

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