Should I invest in DSP BlackRock Tax Saver Fund?

We don't give personal investment advice. DSP BlackRock Tax Saver Fund - Dividend is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 26.3%. 5-year CAGR: 2.61%.

DSP BlackRock

DSP BlackRock Tax Saver Fund - Dividend

Latest NAV

₹22.3070

As of

17 Jul 2026

4,795 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	+0.82%	-1.95%	+2.77	8 / 90	Q1
1W	+0.41%	-3.22%	+3.62	22 / 87	Q2
2W	+0.38%	-3.57%	+3.95	34 / 87	Q2
1M	+1.66%	-3.98%	+5.64	32 / 87	Q2
3M	-0.80%	-3.29%	+2.49	61 / 87	Q3
6M	-7.56%	-1.04%	-6.52	80 / 89	Q4
YTD	-8.43%	-3.07%	-5.36	78 / 89	Q4
1Y	-10.23%	+2.32%	-12.54	77 / 87	Q4
2Y	-8.41%	-0.75%	-7.66	78 / 86	Q4
3Y	+4.13%	+5.77%	-1.64	68 / 81	Q4
4Y	+5.29%	+8.62%	-3.33	65 / 78	Q4
5Y	+2.61%	+7.06%	-4.45	68 / 77	Q4
7Y	+6.27%	+9.74%	-3.48	60 / 75	Q4
10Y	+3.79%	+8.09%	-4.30	60 / 69	Q4
Inception	+4.01%	+5.96%	-1.95	71 / 91	Q4

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	-8.43%	-3.09%	-5.34	43 / 47
2025	-3.12%	+1.54%	-4.65	39 / 47
2024	+11.68%	+18.17%	-6.49	38 / 47
2023	+17.31%	+23.46%	-6.15	42 / 49
2022	-4.98%	+0.75%	-5.73	42 / 52
2021	+21.14%	+28.91%	-7.77	43 / 54
2020	+9.16%	+11.40%	-2.24	35 / 56
2019	+0.58%	+2.03%	-1.45	41 / 59
2018	-17.75%	-9.68%	-8.07	52 / 61
2017	+22.62%	+29.95%	-7.33	50 / 65
2016	-2.02%	-0.31%	-1.71	45 / 70

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

+7.13%

226 windows

min -66.8% · max 112.7%

55% positive

3-Year rolling

+5.88%

201 windows

min -13.0% · max 29.1%

80% positive

5-Year rolling

+5.24%

177 windows

min -7.9% · max 18.9%

85% positive

7-Year rolling

+4.82%

153 windows

min -1.1% · max 14.2%

98% 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

13.97%

3-year · annualised

Sharpe ratio

-0.10

vs risk-free 6.5%

Sortino ratio

-0.15

Downside-only deviation

Max drawdown

-26.27%

Sep 2024 → Mar 2026

% positive months

63.9%

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 ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹66.8780	17 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.5675	17 Jul 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹89.3173	17 Jul 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹28.9500	17 Jul 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹125.9300	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.3525	17 Jul 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹60.8511	17 Jul 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹43.8620	17 Jul 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹30.8300	17 Jul 2026
DSP BlackRock Tax Saver Fund - Growth	DSP BlackRock	₹140.3860	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹22.3070
16 Jul 2026	₹22.1260
15 Jul 2026	₹22.1970
14 Jul 2026	₹22.1180
13 Jul 2026	₹22.2440
10 Jul 2026	₹22.2170
9 Jul 2026	₹21.9660
8 Jul 2026	₹21.8340
7 Jul 2026	₹22.3150
6 Jul 2026	₹22.3260

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 17 Jul 2026, the NAV of DSP BlackRock Tax Saver Fund - Dividend is ₹22.3070. It's a ELSS from DSP BlackRock, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP BlackRock Tax Saver Fund - Dividend has NAV history starting from 22 Jan 2007, a track record of about 19 years 5 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 Tax Saver Fund - Dividend is managed by DSP BlackRock. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP BlackRock Tax Saver Fund - Dividend has delivered a absolute return of -10.23% — -12.54 pp behind the ELSS category average of 2.32%. The fund ranks #77 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP BlackRock Tax Saver Fund - Dividend has delivered a CAGR of 4.13% — -1.64 pp behind the ELSS category average of 5.77%. The fund ranks #68 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DSP BlackRock Tax Saver Fund - Dividend has delivered a CAGR of 2.61% — -4.45 pp behind the ELSS category average of 7.06%. The fund ranks #68 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP BlackRock Tax Saver Fund - Dividend exactly 10 years ago would be worth approximately ₹145,001 today — a multiplier of 1.45×, based on the 10-year CAGR of 3.79%. The category average over the same window would have grown ₹1 lakh to ₹217,608.

A ₹10,000 monthly SIP in DSP BlackRock Tax Saver Fund - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹626,005 today. That's an XIRR (money-weighted annualised return) of 1.67%.

A ₹10,000 monthly SIP for 10 years in DSP BlackRock Tax Saver Fund - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,499,141 (multiplier 1.25×). XIRR: 4.36%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP BlackRock Tax Saver Fund - Dividend ranks #68 out of 77 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 7.06%; this fund delivered 2.61%.

The worst peak-to-trough decline DSP BlackRock Tax Saver Fund - Dividend has experienced over the last 5-year window is 26.27% — its NAV fell from a high on 27 Sep 2024 to a low on 31 Mar 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 Tax Saver Fund - Dividend averaged 5.24% (best 18.95%, worst -7.90%). 85% of rolling windows ended positive. The 5-year Sharpe ratio is -0.19 — negative risk-adjusted performance.

In calendar year 2025, DSP BlackRock Tax Saver Fund - Dividend returned -3.12% — lagging the ELSS category average of 1.54% by 4.65 pp. It ranked #39 of 47 in its category that year.

DSP BlackRock Tax Saver Fund - Dividend is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. DSP BlackRock Tax Saver Fund - Dividend is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 26.3%. 5-year CAGR: 2.61%.

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