Should I invest in DSP Dynamic Asset Allocation Fund?

We don't give personal investment advice. DSP Dynamic Asset Allocation Fund - Regular 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: 11.4%. 5-year CAGR: 2.70%.

DSP

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

Latest NAV

₹13.7540

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.

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	-0.10%	+0.06%	-0.16	24 / 30	Q4
1W	-1.86%	-1.17%	-0.68	27 / 30	Q4
2W	-1.19%	-0.27%	-0.92	28 / 30	Q4
1M	-1.46%	-1.07%	-0.39	19 / 30	Q3
3M	-2.94%	-2.52%	-0.42	17 / 30	Q3
6M	-5.08%	-6.27%	+1.19	12 / 29	Q2
YTD	-5.05%	-6.12%	+1.07	11 / 29	Q2
1Y	-3.43%	-3.77%	+0.34	16 / 29	Q3
2Y	+0.59%	-1.59%	+2.18	10 / 28	Q2
3Y	+5.07%	+4.95%	+0.12	11 / 23	Q2
4Y	+4.75%	+5.01%	-0.27	9 / 20	Q2
5Y	+2.70%	+3.40%	-0.70	9 / 16	Q3
7Y	+4.03%	+5.01%	-0.99	8 / 14	Q3
10Y	+3.03%	+3.55%	-0.52	3 / 4	Q3
Inception	+2.60%	+4.43%	-1.83	19 / 30	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	-5.05%	-6.12%	+1.07	11 / 29
2025	+3.97%	+0.96%	+3.01	10 / 29
2024	+7.14%	+7.99%	-0.85	16 / 26
2023	+11.64%	+14.79%	-3.16	15 / 22
2022	-4.93%	-0.33%	-4.60	15 / 20
2021	+3.97%	+9.21%	-5.24	12 / 15
2020	+9.09%	+10.06%	-0.97	8 / 15
2019	+5.14%	+4.40%	+0.73	6 / 11
2018	-4.18%	-2.98%	-1.20	7 / 9
2017	+4.33%	+10.95%	-6.62	6 / 6
2016	+1.02%	+3.14%	-2.12	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

+2.97%

138 windows

min -12.0% · max 27.6%

63% positive

3-Year rolling

+3.01%

114 windows

min -5.2% · max 7.9%

92% positive

5-Year rolling

+2.93%

90 windows

min -2.7% · max 7.4%

94% positive

7-Year rolling

+3.04%

65 windows

min 1.4% · max 5.2%

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

6.08%

3-year · annualised

Sharpe ratio

-0.22

vs risk-free 6.5%

Sortino ratio

-0.37

Downside-only deviation

Max drawdown

-7.56%

Nov 2025 → 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 Balanced Advantage Fund

Scheme	Fund house	NAV	As of
SBI Balanced Advantage Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.5942	3 Jun 2026
BANDHAN Balanced Advantage Fund Regular Plan IDCW	Bandhan	₹13.5770	3 Jun 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Regular Plan	Quant	₹16.4751	3 Jun 2026
Aditya Birla Sun Life Balanced Advantage Fund -REGULAR - IDCW	Aditya Birla Sun Life	₹25.6600	3 Jun 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Regular Plan - Annual Dividend Payout Option	Motilal Oswal	₹12.1397	3 Jun 2026
Mirae Asset Balanced Advantage Fund Regular Plan IDCW	Mirae Asset	₹13.0780	3 Jun 2026
Kotak Balanced Advantage Fund - Regular Plan - Payout of Income Distribution cum capital withdrawal option Option	Kotak	₹20.3530	3 Jun 2026
Parag Parikh Dynamic Asset Allocation Fund - Regular Plan - Monthly IDCW Reinvestment	Parag Parikh	₹10.0013	3 Jun 2026
Edelweiss Balanced Advantage Fund - Regular Plan - Monthly - IDCW Option	Edelweiss	₹20.2100	3 Jun 2026
HSBC Balanced Advantage Fund - Regular IDCW	HSBC	₹17.9118	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.7540
2 Jun 2026	₹13.7510
1 Jun 2026	₹13.7650
29 May 2026	₹13.8180
27 May 2026	₹13.9870
26 May 2026	₹14.0110
25 May 2026	₹14.0380
22 May 2026	₹13.9220
21 May 2026	₹13.8990
20 May 2026	₹13.9110

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 - Regular Plan - IDCW - Monthly is ₹13.7540. It's a Balanced Advantage Fund from DSP, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly 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 - Regular 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 - Regular Plan - IDCW - Monthly has delivered a absolute return of -3.43% — +0.34 pp ahead of the Balanced Advantage Fund category average of -3.77%. The fund ranks #16 of 29 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 5.07% — +0.12 pp ahead of the Balanced Advantage Fund category average of 4.95%. The fund ranks #11 of 23 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 2.70% — -0.7 pp behind the Balanced Advantage Fund category average of 3.40%. The fund ranks #9 of 16 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly exactly 10 years ago would be worth approximately ₹134,764 today — a multiplier of 1.35×, based on the 10-year CAGR of 3.03%. The category average over the same window would have grown ₹1 lakh to ₹141,773.

A ₹10,000 monthly SIP in DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹645,533 today. That's an XIRR (money-weighted annualised return) of 2.88%.

A ₹10,000 monthly SIP for 10 years in DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,423,636 (multiplier 1.19×). XIRR: 3.35%. 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 - IDCW - Monthly ranks #9 out of 16 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 3.40%; this fund delivered 2.70%.

The worst peak-to-trough decline DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly has experienced over the last 5-year window is 11.42% — its NAV fell from a high on 14 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 - IDCW - Monthly averaged 2.93% (best 7.43%, worst -2.73%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is -0.55 — negative risk-adjusted performance.

In calendar year 2025, DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly returned 3.97% — beating the Balanced Advantage Fund category average of 0.96% by 3.01 pp. It ranked #10 of 29 in its category that year.

DSP Dynamic Asset Allocation Fund - Regular 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 - Regular 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: 11.4%. 5-year CAGR: 2.70%.

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