Should I invest in DSP BlackRock Short Term Fund?

We don't give personal investment advice. DSP BlackRock Short Term Fund-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: 7.1%. 5-year CAGR: 0.13%.

DSP BlackRock

DSP BlackRock Short Term Fund-Dividend

Latest NAV

₹12.0819

As of

3 Jun 2026

4,878 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	+0.09%	+0.01%	+0.08	2 / 39	Q1
1W	+0.24%	+15.04%	-14.79	15 / 40	Q2
2W	+0.43%	+15.09%	-14.66	8 / 40	Q1
1M	+0.21%	+16.91%	-16.70	17 / 40	Q2
3M	-4.82%	+17.18%	-21.99	39 / 40	Q4
6M	-4.01%	+18.01%	-22.02	39 / 40	Q4
YTD	-4.11%	+17.67%	-21.78	39 / 40	Q4
1Y	-1.67%	+19.37%	-21.04	38 / 40	Q4
2Y	+0.04%	+8.20%	-8.16	29 / 40	Q3
3Y	-0.16%	+5.69%	-5.85	38 / 40	Q4
4Y	+0.58%	+4.90%	-4.32	29 / 39	Q3
5Y	+0.13%	+4.10%	-3.97	29 / 38	Q4
7Y	+0.43%	+2.87%	-2.44	26 / 37	Q3
10Y	+0.43%	+4.95%	-4.52	17 / 27	Q3
Inception	+0.72%	+1.92%	-1.20	30 / 40	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	-4.11%	+0.39%	-4.50	21 / 21
2025	-0.16%	+34.44%	-34.60	25 / 25
2024	+0.68%	+3.79%	-3.11	14 / 25
2023	+3.17%	+4.24%	-1.07	16 / 25
2022	-0.64%	+2.62%	-3.26	25 / 26
2021	-4.03%	+3.74%	-7.78	26 / 26
2020	+3.34%	+3.74%	-0.40	15 / 30
2019	+2.89%	+2.23%	+0.67	12 / 30
2018	-0.01%	+2.73%	-2.74	25 / 30
2017	-1.70%	+2.37%	-4.07	37 / 37
2016	+1.03%	+5.27%	-4.24	25 / 37

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

+0.87%

234 windows

min -3.9% · max 4.7%

76% positive

3-Year rolling

+0.87%

210 windows

min -0.9% · max 2.8%

85% positive

5-Year rolling

+0.87%

185 windows

min -0.2% · max 2.1%

95% positive

7-Year rolling

+0.94%

161 windows

min 0.0% · max 1.8%

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

6.04%

3-year · annualised

Sharpe ratio

-1.07

vs risk-free 6.5%

Sortino ratio

-1.13

Downside-only deviation

Max drawdown

-7.08%

Mar 2025 → Apr 2026

% positive months

86.1%

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 Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW Option	HDFC	₹10.1985	3 Jun 2026
NIPPON INDIA SHORT DURATION FUND - IDCW Option	Nippon India	₹22.3820	3 Jun 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTTUTIONAL GROWTH	SBI	₹33.4345	3 Jun 2026
ICICI Prudential Short Term Plan - Div. Option	ICICI Prudential	₹12.0670	3 Jun 2026
Kotak Bond Short Term Plan-(Growth)	Kotak Mahindra	₹54.0814	3 Jun 2026
DSP BlackRock Short Term Fund-Growth	DSP BlackRock	₹48.2994	3 Jun 2026
HSBC Short Duration Fund - Bonus	HSBC	₹27.5331	3 Jun 2026
UTI - Short Term Income Fund - Dividend Option	UTI	₹24.5675	3 Jun 2026
IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend	IDFC	₹10.4111	3 Jun 2026
Reliance Short Term Fund-Dividend Re-investment Plan	Reliance	₹11.5088	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹12.0819
2 Jun 2026	₹12.0864
1 Jun 2026	₹12.0751
29 May 2026	₹12.0734
27 May 2026	₹12.0624
26 May 2026	₹12.0571
25 May 2026	₹12.0535
22 May 2026	₹12.0291
21 May 2026	₹12.0193
20 May 2026	₹12.0288

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 Short Term Fund-Dividend is ₹12.0819. It's a Short Duration Fund from DSP BlackRock, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP BlackRock Short Term Fund-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 Short Term Fund-Dividend is managed by DSP BlackRock. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP BlackRock Short Term Fund-Dividend has delivered a absolute return of -1.67% — -21.04 pp behind the Short Duration Fund category average of 19.37%. The fund ranks #38 of 40 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP BlackRock Short Term Fund-Dividend has delivered a CAGR of -0.16% — -5.85 pp behind the Short Duration Fund category average of 5.69%. The fund ranks #38 of 40 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DSP BlackRock Short Term Fund-Dividend has delivered a CAGR of 0.13% — -3.97 pp behind the Short Duration Fund category average of 4.10%. The fund ranks #29 of 38 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP BlackRock Short Term Fund-Dividend exactly 10 years ago would be worth approximately ₹104,358 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.43%. The category average over the same window would have grown ₹1 lakh to ₹162,129.

A ₹10,000 monthly SIP in DSP BlackRock Short Term Fund-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹592,334 today. That's an XIRR (money-weighted annualised return) of -0.51%.

A ₹10,000 monthly SIP for 10 years in DSP BlackRock Short Term Fund-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,197,305 (multiplier 1.00×). XIRR: -0.04%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP BlackRock Short Term Fund-Dividend ranks #29 out of 38 funds in the Short Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.10%; this fund delivered 0.13%.

The worst peak-to-trough decline DSP BlackRock Short Term Fund-Dividend has experienced over the last 5-year window is 7.08% — 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 Short Term Fund-Dividend averaged 0.87% (best 2.12%, worst -0.23%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is -1.22 — negative risk-adjusted performance.

In calendar year 2025, DSP BlackRock Short Term Fund-Dividend returned -0.16% — lagging the Short Duration Fund category average of 34.44% by 34.60 pp. It ranked #25 of 25 in its category that year.

DSP BlackRock Short Term Fund-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 Short Term Fund-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: 7.1%. 5-year CAGR: 0.13%.

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

DSP BlackRock Short Term Fund-Dividend

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

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