Should I invest in DSP BlackRock Liquidity Fund - Daily Dividend?

We don't give personal investment advice. DSP BlackRock Liquidity Fund - Regular Plan - Daily 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: 0.3%. 5-year CAGR: 0.00%.

DSP BlackRock

DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend

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	+0.02%	+0.01%	+0.01	14 / 34	Q2
1W	+0.00%	+0.04%	-0.04	19 / 33	Q3
2W	+0.00%	+0.09%	-0.09	17 / 33	Q3
1M	-0.09%	+0.18%	-0.27	34 / 34	Q4
3M	+0.00%	+0.07%	-0.07	20 / 34	Q3
6M	+0.00%	+0.79%	-0.79	18 / 34	Q3
YTD	-0.04%	+1.47%	-1.50	31 / 32	Q4
1Y	+0.02%	+2.17%	-2.16	16 / 32	Q2
2Y	-0.05%	+3.02%	-3.07	24 / 27	Q4
3Y	-0.03%	+3.56%	-3.59	15 / 17	Q4
4Y	-0.02%	+3.15%	-3.17	16 / 17	Q4
5Y	+0.00%	+2.55%	-2.55	11 / 16	Q3
7Y	+0.00%	+2.77%	-2.77	6 / 9	Q3
10Y	+0.00%	+2.97%	-2.97	4 / 5	Q4
Inception	+0.00%	+1.85%	-1.85	22 / 34	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
2017 YTD	-0.04%	+1.46%	-1.50	2 / 3
2016	+0.02%	+2.37%	-2.36	4 / 6
2015	+0.00%	+3.56%	-3.56	4 / 6
2014	-0.01%	+3.32%	-3.32	7 / 9
2013	+0.01%	+2.41%	-2.41	8 / 13
2012	+0.09%	+4.24%	-4.16	11 / 16
2011	+0.00%	+2.94%	-2.94	12 / 16
2010	+0.00%	+1.87%	-1.87	22 / 26
2009	+0.00%	+1.35%	-1.35	15 / 31
2008	+0.00%	+2.27%	-2.27	16 / 25
2007	+0.00%	+2.44%	-2.44	9 / 12

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

+0.01%

128 windows

min -0.1% · max 0.2%

37% positive

3-Year rolling

+0.01%

103 windows

min 0.0% · max 0.1%

45% positive

5-Year rolling

+0.01%

79 windows

min 0.0% · max 0.0%

65% positive

7-Year rolling

+0.01%

55 windows

min 0.0% · max 0.0%

84% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.22%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.18%

Mar 2015 → Apr 2015

% 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.

Recent NAVs

Date	NAV
8 Sep 2017	₹10.0117
7 Sep 2017	₹10.0100
6 Sep 2017	₹10.0201
5 Sep 2017	₹10.0184
4 Sep 2017	₹10.0167
3 Sep 2017	₹10.0151
2 Sep 2017	₹10.0134
1 Sep 2017	₹10.0117
31 Aug 2017	₹10.0100
30 Aug 2017	₹10.0201

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.

DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend is a Liquid from DSP BlackRock (Regular plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

DSP BlackRock Liquidity 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 Liquidity Fund - Regular Plan - Daily Dividend is managed by DSP BlackRock. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend has delivered a absolute return of 0.02% — -2.16 pp behind the Liquid category average of 2.17%. The fund ranks #16 of 32 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend has delivered a CAGR of -0.03% — -3.59 pp behind the Liquid category average of 3.56%. The fund ranks #15 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend has delivered a CAGR of 0.00% — -2.55 pp behind the Liquid category average of 2.55%. The fund ranks #11 of 16 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend exactly 10 years ago would be worth approximately ₹100,017 today — a multiplier of 1.00×, based on the 10-year CAGR of 0.00%. The category average over the same window would have grown ₹1 lakh to ₹134,041.

A ₹10,000 monthly SIP in DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹599,762 today. That's an XIRR (money-weighted annualised return) of -0.02%.

A ₹10,000 monthly SIP for 10 years in DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend = ₹1,200,000 invested. It would currently be worth ₹1,199,864 (multiplier 1.00×). XIRR: -0.00%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend ranks #11 out of 16 funds in the Liquid category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.55%; this fund delivered 0.00%.

The worst peak-to-trough decline DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend has experienced over the last 5-year window is 0.29% — its NAV fell from a high on 03 Apr 2013 to a low on 16 Jul 2013. 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 Liquidity Fund - Regular Plan - Daily Dividend averaged 0.01% (best 0.03%, worst 0.00%). 65% of rolling windows ended positive.

In calendar year 2016, DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend returned 0.02% — lagging the Liquid category average of 2.37% by 2.36 pp. It ranked #4 of 6 in its category that year.

DSP BlackRock Liquidity Fund - Regular Plan - Daily 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 Liquidity Fund - Regular Plan - Daily 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: 0.3%. 5-year CAGR: 0.00%.

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

DSP BlackRock Liquidity Fund - Regular Plan - Daily Dividend

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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