Should I invest in DSP Dynamic Asset Allocation Fund?

We don't give personal investment advice. DSP Dynamic Asset Allocation Fund - Regular 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: 8.4%. 5-year CAGR: 8.27%.

DSP

DSP Dynamic Asset Allocation Fund - Regular Plan - Growth

Latest NAV

₹28.8930

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%	+0.26%	+0.12	9 / 29	Q2
1W	+0.09%	+0.04%	+0.05	15 / 29	Q3
2W	+0.29%	+0.19%	+0.10	11 / 29	Q2
1M	+1.47%	+1.19%	+0.28	12 / 29	Q2
3M	+2.10%	+1.94%	+0.16	13 / 29	Q2
6M	+1.95%	+0.63%	+1.32	6 / 28	Q1
YTD	+1.30%	-0.42%	+1.73	4 / 28	Q1
1Y	+4.51%	+1.26%	+3.25	4 / 28	Q1
2Y	+5.70%	+2.10%	+3.59	2 / 27	Q1
3Y	+10.44%	+9.03%	+1.41	6 / 22	Q2
4Y	+10.67%	+10.07%	+0.59	6 / 18	Q2
5Y	+8.27%	+8.30%	-0.03	8 / 14	Q3
7Y	+9.55%	+9.90%	-0.35	9 / 11	Q4
10Y	+8.69%	+8.72%	-0.03	2 / 4	Q2
Inception	+8.88%	+8.01%	+0.87	11 / 29	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	+1.30%	-0.42%	+1.73	4 / 28
2025	+8.48%	+4.78%	+3.70	3 / 27
2024	+11.95%	+12.20%	-0.25	13 / 24
2023	+17.38%	+17.99%	-0.61	11 / 19
2022	+0.08%	+2.63%	-2.55	12 / 17
2021	+9.27%	+12.75%	-3.49	8 / 12
2020	+12.82%	+12.21%	+0.60	8 / 12
2019	+8.72%	+7.80%	+0.92	5 / 9
2018	+3.82%	+1.55%	+2.27	1 / 7
2017	+12.29%	+16.13%	-3.84	5 / 5
2016	+7.28%	+7.85%	-0.57	2 / 4

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

+9.04%

140 windows

min -4.2% · max 25.6%

93% positive

3-Year rolling

+8.94%

116 windows

min 1.9% · max 13.6%

100% positive

5-Year rolling

+8.63%

91 windows

min 4.6% · max 13.8%

100% positive

7-Year rolling

+8.70%

67 windows

min 7.2% · max 10.0%

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

5.69%

3-year · annualised

Sharpe ratio

0.65

vs risk-free 6.5%

Sortino ratio

1.45

Downside-only deviation

Max drawdown

-5.75%

Jan 2026 → Mar 2026

% positive months

72.2%

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
SBI Balanced Advantage Fund - Regular Plan - Growth	SBI	₹15.9675	17 Jul 2026
BANDHAN Balanced Advantage Fund Regular Plan Growth	Bandhan	₹25.2700	17 Jul 2026
quant Dynamic Asset Allocation Fund - Growth Option - Regular Plan	Quant	₹16.6910	17 Jul 2026
Aditya Birla Sun Life Balanced Advantage Fund - Regular Plan - Growth Option	Aditya Birla Sun Life	₹112.5300	17 Jul 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Regular Plan - Growth Option	Motilal Oswal	₹18.5358	17 Jul 2026
Mirae Asset Balanced Advantage Fund Regular Plan- Growth	Mirae Asset	₹14.6500	17 Jul 2026
Kotak Balanced Advantage Fund -Regular Plan - Growth Option	Kotak	₹21.1310	17 Jul 2026
Parag Parikh Dynamic Asset Allocation Fund - Regular Plan Growth	Parag Parikh	₹11.7708	17 Jul 2026
HSBC Balanced Advantage Fund - Regular Growth	HSBC	₹43.8659	17 Jul 2026
Baroda BNP Paribas Balanced Advantage Fund-Regular Plan -Growth Option	Baroda BNP Paribas	₹25.7402	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹28.8930
16 Jul 2026	₹28.7840
15 Jul 2026	₹28.8070
14 Jul 2026	₹28.7410
13 Jul 2026	₹28.8590
10 Jul 2026	₹28.8660
9 Jul 2026	₹28.7060
8 Jul 2026	₹28.6050
7 Jul 2026	₹28.9270
6 Jul 2026	₹28.8810

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 - Regular Plan - Growth is ₹28.8930. It's a Balanced Advantage Fund from DSP, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

DSP Dynamic Asset Allocation Fund - Regular Plan - Growth 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 - Regular 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 - Regular Plan - Growth has delivered a absolute return of 4.51% — +3.25 pp ahead of the Balanced Advantage Fund category average of 1.26%. The fund ranks #4 of 28 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DSP Dynamic Asset Allocation Fund - Regular Plan - Growth has delivered a CAGR of 10.44% — +1.41 pp ahead of the Balanced Advantage Fund category average of 9.03%. The fund ranks #6 of 22 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP Dynamic Asset Allocation Fund - Regular Plan - Growth has delivered a CAGR of 8.27% — -0.03 pp behind the Balanced Advantage Fund category average of 8.30%. The fund ranks #8 of 14 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Dynamic Asset Allocation Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹229,996 today — a multiplier of 2.30×, based on the 10-year CAGR of 8.69%. The category average over the same window would have grown ₹1 lakh to ₹230,648.

A ₹10,000 monthly SIP in DSP Dynamic Asset Allocation Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹755,762 today. That's an XIRR (money-weighted annualised return) of 9.16%.

A ₹10,000 monthly SIP for 10 years in DSP Dynamic Asset Allocation Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,915,735 (multiplier 1.60×). XIRR: 9.05%. 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 - Regular Plan - Growth ranks #8 out of 14 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 8.30%; this fund delivered 8.27%.

The worst peak-to-trough decline DSP Dynamic Asset Allocation Fund - Regular Plan - Growth has experienced over the last 5-year window is 8.40% — 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 - Regular Plan - Growth averaged 8.63% (best 13.79%, worst 4.61%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2025, DSP Dynamic Asset Allocation Fund - Regular Plan - Growth returned 8.48% — beating the Balanced Advantage Fund category average of 4.78% by 3.70 pp. It ranked #3 of 27 in its category that year.

DSP Dynamic Asset Allocation Fund - Regular 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 - Regular 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: 8.4%. 5-year CAGR: 8.27%.

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

DSP Dynamic Asset Allocation Fund - Regular 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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