Should I invest in DSP BlackRock Floating Rate Fund?

We don't give personal investment advice. DSP BlackRock Floating Rate Fund - Regular Plan-Growth 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: 12.10%.

DSP BlackRock

DSP BlackRock Floating Rate Fund - Regular Plan-Growth

Latest NAV

₹54.0150

As of

3 Jun 2026

5,056 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	+0.06%	+0.04%	+0.02	3 / 36	Q1
1W	+0.76%	+23.03%	-22.28	8 / 41	Q1
2W	+1.04%	+40.35%	-39.31	7 / 36	Q1
1M	+1.01%	+40.52%	-39.51	8 / 36	Q1
3M	+7.15%	+41.87%	-34.72	6 / 36	Q1
6M	+6.59%	+43.31%	-36.72	7 / 36	Q1
YTD	+6.28%	+40.80%	-34.52	7 / 36	Q1
1Y	+9.01%	+29.96%	-20.95	8 / 41	Q1
2Y	+15.89%	-4.68%	+20.57	6 / 41	Q1
3Y	+15.70%	+4.58%	+11.12	1 / 31	Q1
4Y	+13.32%	+4.37%	+8.95	1 / 28	Q1
5Y	+12.10%	+5.19%	+6.91	2 / 28	Q1
7Y	+9.84%	+3.07%	+6.78	2 / 28	Q1
10Y	+8.07%	+2.50%	+5.56	2 / 23	Q1
Inception	+7.92%	-16.47%	+24.39	8 / 46	Q1

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	+6.28%	+0.57%	+5.72	2 / 30
2025	+21.05%	+6.54%	+14.51	1 / 30
2024	+7.79%	+3.89%	+3.90	10 / 30
2023	+15.59%	+4.30%	+11.30	1 / 31
2022	+9.25%	+50.17%	-40.92	7 / 33
2021	+2.85%	-10.96%	+13.82	13 / 38
2020	+4.78%	-4.85%	+9.62	8 / 33
2019	+4.38%	-1.86%	+6.24	4 / 28
2018	-2.72%	-0.45%	-2.27	23 / 28
2017	+6.53%	+1.47%	+5.06	5 / 24
2016	+10.56%	+4.33%	+6.24	3 / 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

+7.96%

234 windows

min -3.7% · max 23.4%

96% positive

3-Year rolling

+7.52%

210 windows

min 1.5% · max 15.7%

100% positive

5-Year rolling

+7.21%

185 windows

min 2.9% · max 12.1%

100% positive

7-Year rolling

+7.11%

161 windows

min 4.6% · max 9.8%

100% 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

7.45%

3-year · annualised

Sharpe ratio

1.13

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.82%

Jan 2026 → Feb 2026

% positive months

91.7%

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	₹15.9589	3 Jun 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,037.8107	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.2544	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹12.9096	3 Jun 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.5239	3 Jun 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1227	3 Jun 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2656	3 Jun 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.2488	3 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	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹54.0150
2 Jun 2026	₹54.0227
1 Jun 2026	₹53.9928
29 May 2026	₹54.1138
27 May 2026	₹53.6337
26 May 2026	₹53.6167
25 May 2026	₹53.5977
22 May 2026	₹53.5127
21 May 2026	₹53.4733
20 May 2026	₹53.4711

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 BlackRock Floating Rate Fund - Regular Plan-Growth is ₹54.0150. 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-Growth 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-Growth 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-Growth has delivered a absolute return of 9.01% — -20.95 pp behind the Credit Risk Fund category average of 29.96%. The fund ranks #8 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DSP BlackRock Floating Rate Fund - Regular Plan-Growth has delivered a CAGR of 15.70% — +11.12 pp ahead of the Credit Risk Fund category average of 4.58%. The fund ranks #1 of 31 in its category — the top (Q1) quartile.

Over the trailing 5-year window, DSP BlackRock Floating Rate Fund - Regular Plan-Growth has delivered a CAGR of 12.10% — +6.91 pp ahead of the Credit Risk Fund category average of 5.19%. The fund ranks #2 of 28 in its category — the top (Q1) quartile.

₹1 lakh invested in DSP BlackRock Floating Rate Fund - Regular Plan-Growth exactly 10 years ago would be worth approximately ₹217,197 today — a multiplier of 2.17×, based on the 10-year CAGR of 8.07%. The category average over the same window would have grown ₹1 lakh to ₹128,048.

A ₹10,000 monthly SIP in DSP BlackRock Floating Rate Fund - Regular Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹855,783 today. That's an XIRR (money-weighted annualised return) of 14.17%.

A ₹10,000 monthly SIP for 10 years in DSP BlackRock Floating Rate Fund - Regular Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹2,011,740 (multiplier 1.68×). XIRR: 9.97%. 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-Growth ranks #2 out of 28 funds in the Credit Risk Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 5.19%; this fund delivered 12.10%.

The worst peak-to-trough decline DSP BlackRock Floating Rate Fund - Regular Plan-Growth has experienced over the last 5-year window is 1.82% — its NAV fell from a high on 12 Jan 2026 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-Growth averaged 7.21% (best 12.10%, worst 2.92%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.79 — reasonable risk-adjusted performance.

In calendar year 2025, DSP BlackRock Floating Rate Fund - Regular Plan-Growth returned 21.05% — beating the Credit Risk Fund category average of 6.54% by 14.51 pp. It ranked #1 of 30 in its category that year.

DSP BlackRock Floating Rate Fund - Regular Plan-Growth 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-Growth 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: 12.10%.

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

DSP BlackRock Floating Rate Fund - Regular Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Credit Risk Fund

Recent NAVs

Frequently asked questions

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