Should I invest in DSP BlackRock Liquidity Fund?

We don't give personal investment advice. DSP BlackRock Liquidity Fund - Regular Plan - Growth 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: 0.2%. 5-year CAGR: 8.12%.

DSP BlackRock

DSP BlackRock Liquidity Fund - Regular Plan - Growth

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	18 / 34	Q3
1W	+0.12%	+0.04%	+0.08	9 / 33	Q2
2W	+0.23%	+0.09%	+0.14	9 / 33	Q2
1M	+0.51%	+0.18%	+0.32	8 / 34	Q1
3M	+1.59%	+0.07%	+1.51	7 / 34	Q1
6M	+3.22%	+0.79%	+2.43	7 / 34	Q1
YTD	+4.45%	+1.47%	+2.98	4 / 32	Q1
1Y	+6.63%	+2.17%	+4.46	7 / 32	Q1
2Y	+7.19%	+3.02%	+4.18	7 / 27	Q2
3Y	+7.63%	+3.56%	+4.07	3 / 17	Q1
4Y	+8.02%	+3.15%	+4.87	2 / 17	Q1
5Y	+8.12%	+2.55%	+5.57	1 / 16	Q1
7Y	+8.32%	+2.77%	+5.55	1 / 9	Q1
10Y	+7.61%	+2.97%	+4.64	1 / 5	Q1
Inception	+7.47%	+1.85%	+5.62	1 / 34	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
2017 YTD	+4.45%	+1.46%	+2.99	1 / 3
2016	+7.49%	+2.37%	+5.12	1 / 6
2015	+8.13%	+3.56%	+4.57	1 / 6
2014	+8.86%	+3.32%	+5.55	1 / 9
2013	+8.91%	+2.41%	+6.49	1 / 13
2012	+9.35%	+4.24%	+5.11	1 / 16
2011	+8.72%	+2.94%	+5.78	1 / 16
2010	+5.24%	+1.87%	+3.37	1 / 26
2009	+4.08%	+1.35%	+2.73	6 / 31
2008	+8.45%	+2.27%	+6.18	3 / 25
2007	+6.66%	+2.44%	+4.21	4 / 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

+7.56%

128 windows

min 3.5% · max 9.6%

100% positive

3-Year rolling

+7.62%

103 windows

min 5.9% · max 9.1%

100% positive

5-Year rolling

+7.73%

79 windows

min 6.3% · max 8.8%

100% positive

7-Year rolling

+7.68%

55 windows

min 7.1% · max 8.3%

100% 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

0.24%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

100.0%

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	₹39.1078
7 Sep 2017	₹39.1013
6 Sep 2017	₹39.0948
5 Sep 2017	₹39.0883
4 Sep 2017	₹39.0817
3 Sep 2017	₹39.0752
2 Sep 2017	₹39.0686
1 Sep 2017	₹39.0621
31 Aug 2017	₹39.0555
30 Aug 2017	₹39.0489

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 - Growth 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 - 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 Liquidity Fund - Regular Plan - Growth 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 - Growth has delivered a absolute return of 6.63% — +4.46 pp ahead of the Liquid category average of 2.17%. The fund ranks #7 of 32 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DSP BlackRock Liquidity Fund - Regular Plan - Growth has delivered a CAGR of 7.63% — +4.07 pp ahead of the Liquid category average of 3.56%. The fund ranks #3 of 17 in its category — the top (Q1) quartile.

Over the trailing 5-year window, DSP BlackRock Liquidity Fund - Regular Plan - Growth has delivered a CAGR of 8.12% — +5.57 pp ahead of the Liquid category average of 2.55%. The fund ranks #1 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in DSP BlackRock Liquidity Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹208,226 today — a multiplier of 2.08×, based on the 10-year CAGR of 7.61%. 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 - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹729,378 today. That's an XIRR (money-weighted annualised return) of 7.73%.

A ₹10,000 monthly SIP for 10 years in DSP BlackRock Liquidity Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,800,040 (multiplier 1.50×). XIRR: 7.86%. 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 - Growth ranks #1 out of 16 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.55%; this fund delivered 8.12%.

The worst peak-to-trough decline DSP BlackRock Liquidity Fund - Regular Plan - Growth has experienced over the last 5-year window is 0.21% — its NAV fell from a high on 15 Jul 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 - Growth averaged 7.73% (best 8.82%, worst 6.30%). 100% of rolling windows ended positive.

In calendar year 2016, DSP BlackRock Liquidity Fund - Regular Plan - Growth returned 7.49% — beating the Liquid category average of 2.37% by 5.12 pp. It ranked #1 of 6 in its category that year.

DSP BlackRock Liquidity Fund - Regular Plan - Growth 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 - Growth 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: 0.2%. 5-year CAGR: 8.12%.

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 - Growth

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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