Should I invest in DSP Flexi Cap Fund?

We don't give personal investment advice. DSP Flexi Cap Fund - Direct Plan - IDCW 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: 30.5%. 5-year CAGR: 2.34%.

DSP

DSP Flexi Cap Fund - Direct Plan - IDCW

Latest NAV

₹85.9130

As of

17 Jul 2026

3,333 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	+0.35%	-0.75%	+1.10	20 / 105	Q1
1W	-0.05%	-1.14%	+1.08	52 / 104	Q2
2W	+0.82%	-1.11%	+1.93	19 / 104	Q1
1M	+2.29%	-0.05%	+2.34	27 / 104	Q2
3M	+3.76%	+3.22%	+0.54	51 / 103	Q2
6M	-7.50%	+4.88%	-12.38	88 / 100	Q4
YTD	-8.81%	+0.89%	-9.71	87 / 98	Q4
1Y	-7.42%	+10.06%	-17.48	76 / 88	Q4
2Y	-6.01%	+5.19%	-11.20	73 / 82	Q4
3Y	+4.45%	+9.89%	-5.44	56 / 73	Q4
4Y	+6.85%	+10.57%	-3.72	34 / 43	Q4
5Y	+2.34%	+9.11%	-6.77	34 / 36	Q4
7Y	+5.73%	+12.20%	-6.46	26 / 27	Q4
10Y	+2.67%	+8.87%	-6.20	17 / 17	Q4
Inception	+3.83%	+8.47%	-4.65	81 / 105	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	-8.81%	-1.68%	-7.14	42 / 46
2025	-2.86%	+1.97%	-4.83	34 / 43
2024	+9.06%	+18.83%	-9.77	39 / 42
2023	+23.02%	+26.32%	-3.30	27 / 36
2022	-13.08%	-2.27%	-10.81	32 / 36
2021	+19.99%	+23.11%	-3.12	35 / 50
2020	+4.93%	+11.58%	-6.65	41 / 56
2019	+4.33%	+5.80%	-1.46	41 / 68
2018	-25.27%	-11.53%	-13.74	31 / 33
2017	+27.52%	+29.49%	-1.97	14 / 30
2016	-7.49%	-0.10%	-7.39	26 / 30

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

+7.50%

153 windows

min -30.3% · max 72.1%

56% positive

3-Year rolling

+4.22%

129 windows

min -15.0% · max 19.0%

74% positive

5-Year rolling

+3.21%

105 windows

min -8.7% · max 15.2%

70% positive

7-Year rolling

+2.67%

80 windows

min -1.7% · max 7.4%

91% 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

18.00%

3-year · annualised

Sharpe ratio

-0.02

vs risk-free 6.5%

Sortino ratio

-0.03

Downside-only deviation

Max drawdown

-28.47%

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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - IDCW Option - Direct Plan	HDFC	₹90.9250	17 Jul 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.9459	17 Jul 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹60.6918	17 Jul 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹17.8600	17 Jul 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹18.4500	17 Jul 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹51.9180	17 Jul 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹83.0629	17 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹235.7300	17 Jul 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹33.4858	17 Jul 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹69.9344	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹85.9130
16 Jul 2026	₹85.6100
15 Jul 2026	₹85.9150
14 Jul 2026	₹85.4750
13 Jul 2026	₹86.0050
10 Jul 2026	₹85.9570
9 Jul 2026	₹85.0600
8 Jul 2026	₹84.4690
7 Jul 2026	₹86.0290
6 Jul 2026	₹85.9830

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 Flexi Cap Fund - Direct Plan - IDCW is ₹85.9130. It's a Flexi Cap Fund from DSP, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Flexi Cap Fund - Direct Plan - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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 Flexi Cap Fund - Direct Plan - IDCW is managed by DSP. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP Flexi Cap Fund - Direct Plan - IDCW has delivered a absolute return of -7.42% — -17.48 pp behind the Flexi Cap Fund category average of 10.06%. The fund ranks #76 of 88 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Flexi Cap Fund - Direct Plan - IDCW has delivered a CAGR of 4.45% — -5.44 pp behind the Flexi Cap Fund category average of 9.89%. The fund ranks #56 of 73 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DSP Flexi Cap Fund - Direct Plan - IDCW has delivered a CAGR of 2.34% — -6.77 pp behind the Flexi Cap Fund category average of 9.11%. The fund ranks #34 of 36 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP Flexi Cap Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹130,204 today — a multiplier of 1.30×, based on the 10-year CAGR of 2.67%. The category average over the same window would have grown ₹1 lakh to ₹233,919.

A ₹10,000 monthly SIP in DSP Flexi Cap Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹635,676 today. That's an XIRR (money-weighted annualised return) of 2.28%.

A ₹10,000 monthly SIP for 10 years in DSP Flexi Cap Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,436,743 (multiplier 1.20×). XIRR: 3.53%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP Flexi Cap Fund - Direct Plan - IDCW ranks #34 out of 36 funds in the Flexi Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 9.11%; this fund delivered 2.34%.

The worst peak-to-trough decline DSP Flexi Cap Fund - Direct Plan - IDCW has experienced over the last 5-year window is 30.54% — 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 Flexi Cap Fund - Direct Plan - IDCW averaged 3.21% (best 15.19%, worst -8.65%). 70% of rolling windows ended positive. The 5-year Sharpe ratio is -0.12 — negative risk-adjusted performance.

In calendar year 2025, DSP Flexi Cap Fund - Direct Plan - IDCW returned -2.86% — lagging the Flexi Cap Fund category average of 1.97% by 4.83 pp. It ranked #34 of 43 in its category that year.

DSP Flexi Cap Fund - Direct Plan - IDCW 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 Flexi Cap Fund - Direct Plan - IDCW 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: 30.5%. 5-year CAGR: 2.34%.

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