Should I invest in DSP Dynamic Asset Allocation Fund?

We don't give personal investment advice. DSP Dynamic Asset Allocation Fund - Direct Plan - Growth is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 7.9%. 5-year CAGR: 9.16%.

DSP

DSP Dynamic Asset Allocation Fund - Direct Plan - Growth

Latest NAV

₹32.2260

As of

3 Jun 2026

3,007 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.

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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	-0.10%	+0.09%	-0.19	31 / 37	Q4
1W	-1.30%	-1.03%	-0.27	27 / 37	Q3
2W	-0.61%	-0.05%	-0.56	31 / 37	Q4
1M	-0.83%	-0.84%	+0.02	16 / 37	Q2
3M	-1.03%	-0.70%	-0.33	19 / 37	Q3
6M	-1.56%	-2.95%	+1.39	10 / 36	Q2
YTD	-1.97%	-3.14%	+1.17	10 / 35	Q2
1Y	+2.90%	+1.34%	+1.56	11 / 35	Q2
2Y	+6.73%	+3.74%	+2.99	5 / 34	Q1
3Y	+11.49%	+9.42%	+2.07	14 / 29	Q2
4Y	+11.28%	+11.06%	+0.21	10 / 23	Q2
5Y	+9.16%	+9.89%	-0.73	12 / 18	Q3
7Y	+10.43%	+10.91%	-0.48	10 / 16	Q3
10Y	+10.05%	+11.21%	-1.16	7 / 9	Q4
Inception	+9.94%	+8.05%	+1.90	18 / 37	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
2026 YTD	-1.97%	-3.14%	+1.17	10 / 35
2025	+9.80%	+6.42%	+3.38	5 / 34
2024	+13.31%	+14.12%	-0.81	19 / 31
2023	+18.79%	+19.93%	-1.13	17 / 26
2022	+1.31%	+5.24%	-3.93	18 / 23
2021	+10.75%	+15.64%	-4.89	14 / 17
2020	+14.69%	+13.59%	+1.09	8 / 17
2019	+10.54%	+9.20%	+1.34	5 / 14
2018	+5.15%	+2.19%	+2.96	1 / 12
2017	+13.36%	+22.25%	-8.89	10 / 10
2016	+8.06%	+6.53%	+1.54	3 / 9

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

+10.23%

138 windows

min -7.7% · max 35.3%

97% positive

3-Year rolling

+10.14%

114 windows

min 1.7% · max 14.6%

100% positive

5-Year rolling

+9.98%

90 windows

min 4.5% · max 14.2%

100% positive

7-Year rolling

+10.07%

65 windows

min 8.5% · max 11.5%

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

6.05%

3-year · annualised

Sharpe ratio

0.76

vs risk-free 6.5%

Sortino ratio

1.57

Downside-only deviation

Max drawdown

-5.49%

Jan 2026 → Mar 2026

% positive months

77.8%

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 Balanced Advantage Fund

Scheme	Fund house	NAV	As of
HDFC Balanced Advantage Fund - Growth Plan - Direct Plan	HDFC	₹549.0620	3 Jun 2026
Nippon India Balanced Advantage Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹201.7847	3 Jun 2026
SBI Balanced Advantage Fund - Direct Plan - Growth	SBI	₹16.3194	3 Jun 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth	ICICI Prudential	₹84.1900	3 Jun 2026
Invesco India Balanced Advantage Fund - Direct Plan - Growth	Invesco	₹61.1200	3 Jun 2026
BANDHAN Balanced Advantage Fund Direct Plan Growth	Bandhan	₹28.4650	3 Jun 2026
quant Dynamic Asset Allocation Fund - Growth Option - Direct Plan	Quant	₹17.2733	3 Jun 2026
Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth Option	Aditya Birla Sun Life	₹124.2700	3 Jun 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Direct Plan - Growth Option	Motilal Oswal	₹20.2454	3 Jun 2026
Franklin India Balanced Advantage Fund- Growth- Direct	Franklin India	₹14.8560	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹32.2260
2 Jun 2026	₹32.2170
1 Jun 2026	₹32.2490
29 May 2026	₹32.3700
27 May 2026	₹32.5870
26 May 2026	₹32.6410
25 May 2026	₹32.7020
22 May 2026	₹32.4290
21 May 2026	₹32.3740
20 May 2026	₹32.4020

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 Dynamic Asset Allocation Fund - Direct Plan - Growth is ₹32.2260. It's a Balanced Advantage Fund from DSP, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

DSP Dynamic Asset Allocation Fund - Direct Plan - Growth has NAV history starting from 07 Feb 2014, a track record of about 12 years 3 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

DSP Dynamic Asset Allocation Fund - Direct Plan - Growth is managed by DSP. It's classified by AMFI under the 'Balanced Advantage Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP Dynamic Asset Allocation Fund - Direct Plan - Growth has delivered a absolute return of 2.90% — +1.56 pp ahead of the Balanced Advantage Fund category average of 1.34%. The fund ranks #11 of 35 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DSP Dynamic Asset Allocation Fund - Direct Plan - Growth has delivered a CAGR of 11.49% — +2.07 pp ahead of the Balanced Advantage Fund category average of 9.42%. The fund ranks #14 of 29 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP Dynamic Asset Allocation Fund - Direct Plan - Growth has delivered a CAGR of 9.16% — -0.73 pp behind the Balanced Advantage Fund category average of 9.89%. The fund ranks #12 of 18 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Dynamic Asset Allocation Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹260,537 today — a multiplier of 2.61×, based on the 10-year CAGR of 10.05%. The category average over the same window would have grown ₹1 lakh to ₹289,420.

A ₹10,000 monthly SIP in DSP Dynamic Asset Allocation Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹760,150 today. That's an XIRR (money-weighted annualised return) of 9.39%.

A ₹10,000 monthly SIP for 10 years in DSP Dynamic Asset Allocation Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,008,244 (multiplier 1.67×). XIRR: 9.94%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP Dynamic Asset Allocation Fund - Direct Plan - Growth ranks #12 out of 18 funds in the Balanced Advantage Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 9.89%; this fund delivered 9.16%.

The worst peak-to-trough decline DSP Dynamic Asset Allocation Fund - Direct Plan - Growth has experienced over the last 5-year window is 7.91% — its NAV fell from a high on 12 Jan 2022 to a low on 17 Jun 2022. 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 Dynamic Asset Allocation Fund - Direct Plan - Growth averaged 9.98% (best 14.16%, worst 4.51%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.40 — weak risk-adjusted performance.

In calendar year 2025, DSP Dynamic Asset Allocation Fund - Direct Plan - Growth returned 9.80% — beating the Balanced Advantage Fund category average of 6.42% by 3.38 pp. It ranked #5 of 34 in its category that year.

DSP Dynamic Asset Allocation Fund - Direct Plan - Growth is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. DSP Dynamic Asset Allocation Fund - Direct Plan - Growth is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 7.9%. 5-year CAGR: 9.16%.

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

DSP Dynamic Asset Allocation Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Balanced Advantage Fund

Recent NAVs

Frequently asked questions

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