Should I invest in DSP Dynamic Asset Allocation Fund?

We don't give personal investment advice. DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly 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: 10.4%. 5-year CAGR: 4.95%.

DSP

DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly

Latest NAV

₹17.0060

As of

17 Jul 2026

3,038 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	+0.38%	+0.25%	+0.13	13 / 40	Q2
1W	+0.11%	+0.02%	+0.09	20 / 40	Q2
2W	+0.33%	+0.17%	+0.16	12 / 40	Q2
1M	+1.06%	+1.06%	0.00	23 / 40	Q3
3M	+0.86%	+1.36%	-0.50	26 / 40	Q3
6M	-0.51%	-1.69%	+1.18	17 / 39	Q2
YTD	-1.09%	-2.78%	+1.68	12 / 39	Q2
1Y	+0.81%	-1.91%	+2.72	9 / 39	Q1
2Y	+2.54%	-0.35%	+2.89	10 / 39	Q2
3Y	+7.19%	+6.02%	+1.17	15 / 34	Q2
4Y	+7.31%	+7.17%	+0.14	17 / 31	Q3
5Y	+4.95%	+5.55%	-0.60	15 / 25	Q3
7Y	+6.50%	+6.94%	-0.44	12 / 22	Q3
10Y	+4.80%	+4.97%	-0.17	5 / 11	Q2
Inception	+4.34%	+6.11%	-1.76	26 / 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	-1.09%	-2.86%	+1.77	11 / 38
2025	+5.91%	+2.32%	+3.59	12 / 38
2024	+9.08%	+9.52%	-0.44	21 / 35
2023	+13.66%	+15.43%	-1.76	18 / 31
2022	-3.24%	+1.33%	-4.57	24 / 29
2021	+5.84%	+10.71%	-4.87	19 / 23
2020	+11.17%	+10.14%	+1.04	11 / 23
2019	+7.09%	+4.00%	+3.09	6 / 19
2018	-2.68%	-4.09%	+1.41	8 / 17
2017	+5.50%	+14.53%	-9.03	14 / 14
2016	+1.84%	+0.87%	+0.97	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

+4.60%

140 windows

min -7.8% · max 22.5%

71% positive

3-Year rolling

+4.72%

116 windows

min -2.0% · max 10.3%

97% positive

5-Year rolling

+4.66%

91 windows

min -0.6% · max 10.6%

98% positive

7-Year rolling

+4.75%

67 windows

min 2.9% · max 7.2%

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

5.70%

3-year · annualised

Sharpe ratio

0.12

vs risk-free 6.5%

Sortino ratio

0.23

Downside-only deviation

Max drawdown

-7.01%

Nov 2025 → Mar 2026

% positive months

69.4%

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 - IDCW Plan - Direct Plan	HDFC	₹43.5770	17 Jul 2026
NIPPON INDIA BALANCED ADVANTAGE FUND - DIRECT Plan - IDCW Option	Nippon India	₹46.1264	17 Jul 2026
SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.7267	17 Jul 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - IDCW	ICICI Prudential	₹29.7400	17 Jul 2026
Invesco India Balanced Advantage Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹21.9800	17 Jul 2026
BANDHAN Balanced Advantage Fund Direct Plan IDCW	Bandhan	₹16.3950	17 Jul 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Direct Plan	Quant	₹17.5260	17 Jul 2026
Aditya Birla Sun Life Balanced Advantage Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹30.4200	17 Jul 2026
Motilal Oswal Balanced Advantage Fund Direct - Annual IDCW Payout/Reinvestment	Motilal Oswal	₹13.3545	17 Jul 2026
Franklin India Balanced Advantage Fund- IDCW- Direct	Franklin India	₹13.7641	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹17.0060
16 Jul 2026	₹16.9420
15 Jul 2026	₹16.9550
14 Jul 2026	₹16.9160
13 Jul 2026	₹16.9850
10 Jul 2026	₹16.9870
9 Jul 2026	₹16.8920
8 Jul 2026	₹16.8320
7 Jul 2026	₹17.0210
6 Jul 2026	₹16.9930

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 Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly is ₹17.0060. It's a Balanced Advantage Fund from DSP, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly has NAV history starting from 07 Feb 2014, a track record of about 12 years 5 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 - IDCW - Monthly 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 - IDCW - Monthly has delivered a absolute return of 0.81% — +2.72 pp ahead of the Balanced Advantage Fund category average of -1.91%. The fund ranks #9 of 39 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly has delivered a CAGR of 7.19% — +1.17 pp ahead of the Balanced Advantage Fund category average of 6.02%. The fund ranks #15 of 34 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly has delivered a CAGR of 4.95% — -0.6 pp behind the Balanced Advantage Fund category average of 5.55%. The fund ranks #15 of 25 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly exactly 10 years ago would be worth approximately ₹159,806 today — a multiplier of 1.60×, based on the 10-year CAGR of 4.80%. The category average over the same window would have grown ₹1 lakh to ₹162,446.

A ₹10,000 monthly SIP in DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹694,609 today. That's an XIRR (money-weighted annualised return) of 5.79%.

A ₹10,000 monthly SIP for 10 years in DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,609,077 (multiplier 1.34×). XIRR: 5.72%. 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 - IDCW - Monthly ranks #15 out of 25 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 5.55%; this fund delivered 4.95%.

The worst peak-to-trough decline DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly has experienced over the last 5-year window is 10.38% — its NAV fell from a high on 18 Oct 2021 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 - IDCW - Monthly averaged 4.66% (best 10.61%, worst -0.58%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is -0.23 — negative risk-adjusted performance.

In calendar year 2025, DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly returned 5.91% — beating the Balanced Advantage Fund category average of 2.32% by 3.59 pp. It ranked #12 of 38 in its category that year.

DSP Dynamic Asset Allocation Fund - Direct Plan - IDCW - Monthly 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 - IDCW - Monthly 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: 10.4%. 5-year CAGR: 4.95%.

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