Should I invest in DSP BlackRock Floating Rate Fund?

We don't give personal investment advice. DSP BlackRock Floating Rate Fund - Regular Plan-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: 17.8%. 5-year CAGR: 1.68%.

DSP BlackRock

DSP BlackRock Floating Rate Fund - Regular Plan-Dividend

Latest NAV

₹12.5655

As of

17 Jul 2026

5,087 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	+0.01%	+0.02%	-0.01	23 / 31	Q3
1W	-0.01%	-0.02%	+0.01	15 / 31	Q2
2W	-0.03%	-0.04%	+0.01	12 / 31	Q2
1M	+1.28%	+0.26%	+1.02	2 / 31	Q1
3M	+1.74%	+1.00%	+0.74	10 / 31	Q2
6M	+2.95%	+1.38%	+1.57	16 / 31	Q3
YTD	+2.88%	+1.54%	+1.34	15 / 31	Q2
1Y	+4.87%	+3.10%	+1.76	16 / 31	Q3
2Y	+3.21%	+5.13%	-1.92	21 / 31	Q3
3Y	+2.11%	+4.78%	-2.67	20 / 31	Q3
4Y	+0.82%	+4.49%	-3.67	21 / 28	Q3
5Y	+1.68%	+5.32%	-3.63	17 / 28	Q3
7Y	+1.83%	+3.49%	-1.66	13 / 28	Q2
10Y	+0.90%	+2.51%	-1.60	17 / 23	Q3
Inception	+1.06%	+2.75%	-1.69	19 / 31	Q3

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	+2.88%	+1.49%	+1.38	14 / 30
2025	-0.01%	+6.54%	-6.55	27 / 30
2024	-6.59%	+3.89%	-10.48	30 / 30
2023	+5.28%	+4.30%	+0.98	16 / 31
2022	+6.69%	+7.38%	-0.69	4 / 28
2021	-0.63%	+5.79%	-6.43	23 / 28
2020	+4.30%	-2.28%	+6.58	10 / 28
2019	+4.38%	-1.86%	+6.24	8 / 28
2018	-8.21%	-0.45%	-7.75	28 / 28
2017	-2.61%	+1.47%	-4.08	23 / 24
2016	+1.35%	+4.33%	-2.97	18 / 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

+1.00%

236 windows

min -12.7% · max 15.6%

76% positive

3-Year rolling

+0.98%

211 windows

min -3.2% · max 6.2%

78% positive

5-Year rolling

+0.97%

187 windows

min -0.8% · max 4.4%

82% positive

7-Year rolling

+0.91%

163 windows

min -0.2% · max 2.5%

98% 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

15.18%

3-year · annualised

Sharpe ratio

-0.21

vs risk-free 6.5%

Sortino ratio

-0.27

Downside-only deviation

Max drawdown

-17.77%

Mar 2025 → Apr 2026

% positive months

88.9%

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	₹16.2822	17 Jul 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,071.6654	17 Jul 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.4254	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.1658	17 Jul 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.7779	17 Jul 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1130	17 Jul 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2701	17 Jul 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.4250	17 Jul 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	17 Jul 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹12.5655
16 Jul 2026	₹12.5643
15 Jul 2026	₹12.5533
14 Jul 2026	₹12.5470
13 Jul 2026	₹12.5674
10 Jul 2026	₹12.5664
9 Jul 2026	₹12.5530
8 Jul 2026	₹12.5460
7 Jul 2026	₹12.5720
6 Jul 2026	₹12.5783

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 Floating Rate Fund - Regular Plan-Dividend is ₹12.5655. 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-Dividend has NAV history starting from 02 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 Floating Rate Fund - Regular Plan-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-Dividend has delivered a absolute return of 4.87% — +1.76 pp ahead of the Credit Risk Fund category average of 3.10%. The fund ranks #16 of 31 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP BlackRock Floating Rate Fund - Regular Plan-Dividend has delivered a CAGR of 2.11% — -2.67 pp behind the Credit Risk Fund category average of 4.78%. 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-Dividend has delivered a CAGR of 1.68% — -3.63 pp behind the Credit Risk Fund category average of 5.32%. The fund ranks #17 of 28 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP BlackRock Floating Rate Fund - Regular Plan-Dividend exactly 10 years ago would be worth approximately ₹109,423 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 ₹128,078.

A ₹10,000 monthly SIP in DSP BlackRock Floating Rate Fund - Regular Plan-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹623,337 today. That's an XIRR (money-weighted annualised return) of 1.50%.

A ₹10,000 monthly SIP for 10 years in DSP BlackRock Floating Rate Fund - Regular Plan-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,283,782 (multiplier 1.07×). XIRR: 1.33%. 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-Dividend ranks #17 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 5.32%; this fund delivered 1.68%.

The worst peak-to-trough decline DSP BlackRock Floating Rate Fund - Regular Plan-Dividend has experienced over the last 5-year window is 17.77% — 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 Floating Rate Fund - Regular Plan-Dividend averaged 0.97% (best 4.39%, worst -0.84%). 82% of rolling windows ended positive. The 5-year Sharpe ratio is -0.32 — negative risk-adjusted performance.

In calendar year 2025, DSP BlackRock Floating Rate Fund - Regular Plan-Dividend returned -0.01% — lagging the Credit Risk Fund category average of 6.54% by 6.55 pp. It ranked #27 of 30 in its category that year.

DSP BlackRock Floating Rate Fund - Regular Plan-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-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: 17.8%. 5-year CAGR: 1.68%.

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