Should I invest in DSP BlackRock Floating Rate Fund-Daily Dividend?

We don't give personal investment advice. DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.8%. 5-year CAGR: 1.54%.

DSP BlackRock

DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend

Latest NAV

₹11.0766

As of

12 Jun 2026

5,063 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%	-0.04%	0.00	12 / 31	Q2
1W	-0.52%	+0.40%	-0.92	31 / 31	Q4
2W	+0.05%	+0.68%	-0.63	31 / 31	Q4
1M	+0.16%	+0.67%	-0.51	29 / 31	Q4
3M	-0.26%	+1.12%	-1.38	27 / 31	Q4
6M	-0.37%	+1.21%	-1.58	25 / 31	Q4
YTD	-0.52%	+1.08%	-1.60	27 / 31	Q4
1Y	-0.41%	+2.91%	-3.32	22 / 31	Q3
2Y	+3.90%	+5.11%	-1.21	20 / 31	Q3
3Y	+2.59%	+4.71%	-2.12	20 / 31	Q3
4Y	+2.16%	+4.49%	-2.33	18 / 28	Q3
5Y	+1.54%	+5.23%	-3.69	19 / 28	Q3
7Y	+1.64%	+3.29%	-1.64	16 / 28	Q3
10Y	+0.90%	+2.52%	-1.63	17 / 23	Q3
Inception	+0.49%	+2.73%	-2.24	27 / 31	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	-0.52%	+1.02%	-1.54	26 / 30
2025	+8.54%	+6.54%	+2.00	8 / 30
2024	+0.00%	+3.89%	-3.89	25 / 30
2023	+0.02%	+4.30%	-4.28	25 / 31
2022	+0.03%	+7.38%	-7.35	24 / 28
2021	-0.01%	+5.79%	-5.81	19 / 28
2020	+1.71%	-2.28%	+3.99	14 / 28
2019	+4.39%	-1.86%	+6.24	3 / 28
2018	-5.81%	-0.45%	-5.35	27 / 28
2017	+0.37%	+1.47%	-1.10	11 / 24
2016	+0.82%	+4.33%	-3.50	21 / 24

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

+0.52%

234 windows

min -5.9% · max 8.6%

46% positive

3-Year rolling

+0.33%

210 windows

min -1.7% · max 3.1%

59% positive

5-Year rolling

+0.28%

186 windows

min -0.9% · max 2.1%

74% positive

7-Year rolling

+0.24%

161 windows

min -0.6% · max 2.0%

82% 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

4.43%

3-year · annualised

Sharpe ratio

-0.87

vs risk-free 6.5%

Sortino ratio

-4.70

Downside-only deviation

Max drawdown

-1.82%

May 2025 → Feb 2026

% positive months

36.1%

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 Credit Risk Fund

Scheme	Fund house	NAV	As of
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.0909	12 Jun 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,052.8669	12 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.3389	12 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.0000	12 Jun 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.6012	12 Jun 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Dividend	DSP BlackRock	₹12.3928	12 Jun 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2796	12 Jun 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.3386	12 Jun 2026
Baroda BNP Paribas Credit Risk fund - Regular-Quarterly- IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular-Quarterly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	12 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	12 Jun 2026

Recent NAVs

Date	NAV
12 Jun 2026	₹11.0766
11 Jun 2026	₹11.0662
10 Jun 2026	₹11.0702
9 Jun 2026	₹11.1243
8 Jun 2026	₹11.1243
5 Jun 2026	₹11.1243
4 Jun 2026	₹11.1243
3 Jun 2026	₹11.1227
2 Jun 2026	₹11.1243
1 Jun 2026	₹11.1243

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 Floating Rate Fund - Regular Plan-Daily Dividend is ₹11.0766. It's a Credit Risk Fund from DSP BlackRock, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend has NAV history starting from 02 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 Floating Rate Fund - Regular Plan-Daily Dividend is managed by DSP BlackRock. It's classified by AMFI under the 'Credit Risk Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend has delivered a absolute return of -0.41% — -3.32 pp behind the Credit Risk Fund category average of 2.91%. The fund ranks #22 of 31 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend has delivered a CAGR of 2.59% — -2.12 pp behind the Credit Risk Fund category average of 4.71%. The fund ranks #20 of 31 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend has delivered a CAGR of 1.54% — -3.69 pp behind the Credit Risk Fund category average of 5.23%. The fund ranks #19 of 28 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend exactly 10 years ago would be worth approximately ₹109,320 today — a multiplier of 1.09×, based on the 10-year CAGR of 0.90%. The category average over the same window would have grown ₹1 lakh to ₹128,281.

A ₹10,000 monthly SIP in DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹635,825 today. That's an XIRR (money-weighted annualised return) of 2.29%.

A ₹10,000 monthly SIP for 10 years in DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend = ₹1,200,000 invested. It would currently be worth ₹1,291,635 (multiplier 1.08×). XIRR: 1.45%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend ranks #19 out of 28 funds in the Credit Risk Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 5.23%; this fund delivered 1.54%.

The worst peak-to-trough decline DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend has experienced over the last 5-year window is 1.82% — its NAV fell from a high on 16 May 2025 to a low on 06 Feb 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 Floating Rate Fund - Regular Plan-Daily Dividend averaged 0.28% (best 2.15%, worst -0.94%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is -1.41 — negative risk-adjusted performance.

In calendar year 2025, DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend returned 8.54% — beating the Credit Risk Fund category average of 6.54% by 2.00 pp. It ranked #8 of 30 in its category that year.

DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.8%. 5-year CAGR: 1.54%.

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