DSP BlackRock

DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend

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	+0.18%	-9.99%	+10.17	53 / 1129	Q1
1W	+0.20%	-13.04%	+13.23	137 / 1151	Q1
2W	+0.35%	-13.18%	+13.53	119 / 1149	Q1
1M	+0.16%	-13.26%	+13.42	306 / 1137	Q2
3M	-0.10%	-13.15%	+13.05	575 / 1116	Q3
6M	+0.87%	-15.45%	+16.32	402 / 906	Q2
YTD	+0.08%	-15.77%	+15.85	409 / 952	Q2
1Y	+0.43%	-13.09%	+13.51	410 / 820	Q2
2Y	+0.41%	-12.72%	+13.13	240 / 446	Q3
3Y	+1.10%	-11.01%	+12.11	189 / 385	Q2
4Y	+0.74%	-6.52%	+7.26	183 / 339	Q3
5Y	+0.90%	-7.36%	+8.27	165 / 314	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.92%	-13.63%	+14.55	412 / 1199	Q2

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
2011 YTD	+0.08%	-3.16%	+3.24	175 / 317
2010	+0.42%	-5.78%	+6.20	213 / 377
2009	+0.70%	-12.86%	+13.55	330 / 713
2008	+0.23%	-2.02%	+2.25	180 / 380
2007	+1.91%	+4.84%	-2.92	102 / 142
2006	—	—	—	—

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

+0.83%

48 windows

min -2.7% · max 3.8%

83% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.89%

24 windows

min 0.4% · max 2.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

2.78%

3-year · annualised

Sharpe ratio

-1.92

vs risk-free 6.5%

Sortino ratio

-2.44

Downside-only deviation

Max drawdown

-3.24%

Jun 2009 → Jul 2009

% positive months

75.0%

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
25 Feb 2011	₹10.7854
24 Feb 2011	₹10.7657
23 Feb 2011	₹10.7697
22 Feb 2011	₹10.7725
21 Feb 2011	₹10.7741
18 Feb 2011	₹10.7644
17 Feb 2011	₹10.7660
15 Feb 2011	₹10.7625
14 Feb 2011	₹10.7573
11 Feb 2011	₹10.7476

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 Savings Manager Fund - Conservative - Quarterly Dividend is a Income from DSP BlackRock (Unknown 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 Savings Manager Fund - Conservative - Quarterly Dividend has NAV history starting from 03 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 Savings Manager Fund - Conservative - Quarterly Dividend is managed by DSP BlackRock. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend has delivered a absolute return of 0.43% — +13.51 pp ahead of the Income category average of -13.09%. The fund ranks #410 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend has delivered a CAGR of 1.10% — +12.11 pp ahead of the Income category average of -11.01%. The fund ranks #189 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend has delivered a CAGR of 0.90% — +8.27 pp ahead of the Income category average of -7.36%. The fund ranks #165 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend exactly 5 years ago would be worth approximately ₹104,605 today — a multiplier of 1.05×, based on the 5-year CAGR of 0.90%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹362,638 today. That's an XIRR (money-weighted annualised return) of 0.47%.

DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹362,638 — XIRR 0.47%.

On a 5-year basis, DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend ranks #165 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered 0.90%.

The worst peak-to-trough decline DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend has experienced over the last 3-year window is 3.24% — its NAV fell from a high on 10 Jun 2009 to a low on 08 Jul 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend averaged 0.89% (best 2.13%, worst 0.42%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -1.92 — negative risk-adjusted performance.

In calendar year 2010, DSP BlackRock Savings Manager Fund - Conservative - Quarterly Dividend returned 0.42% — beating the Income category average of -5.78% by 6.20 pp. It ranked #213 of 377 in its category that year.

DSP BlackRock Savings Manager Fund - Conservative - Quarterly 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 Savings Manager Fund - Conservative - Quarterly 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. 5-year CAGR: 0.90%.

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