Should I invest in DSP Healthcare Fund?

We don't give personal investment advice. DSP Healthcare 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: 28.8%. 5-year CAGR: 6.15%.

DSP

DSP Healthcare Fund - Direct Plan - IDCW

Latest NAV

₹28.4740

As of

17 Jul 2026

1,854 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	-1.63%	-0.04%	-1.59	246 / 249	Q4
1W	-0.68%	-0.15%	-0.53	209 / 249	Q4
2W	+1.06%	-0.61%	+1.67	41 / 251	Q1
1M	+7.30%	+1.14%	+6.16	5 / 251	Q1
3M	+15.95%	+3.90%	+12.05	9 / 251	Q1
6M	+6.03%	+2.59%	+3.44	82 / 243	Q2
YTD	+4.18%	+0.68%	+3.50	78 / 241	Q2
1Y	+1.43%	+2.39%	-0.96	124 / 229	Q3
2Y	+3.37%	+0.44%	+2.93	74 / 186	Q2
3Y	+12.98%	+11.53%	+1.46	74 / 151	Q2
4Y	+12.90%	+12.75%	+0.15	70 / 125	Q3
5Y	+6.15%	+9.05%	-2.90	89 / 113	Q4
7Y	+16.10%	+14.43%	+1.66	35 / 92	Q2
10Y	—	—	—	—	—
Inception	+14.63%	+10.06%	+4.57	68 / 251	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	+4.18%	+1.51%	+2.67	77 / 237
2025	-12.63%	+1.49%	-14.12	198 / 204
2024	+28.62%	+20.10%	+8.52	31 / 158
2023	+25.66%	+30.21%	-4.54	80 / 131
2022	-15.46%	+1.48%	-16.94	107 / 119
2021	+11.85%	+31.54%	-19.69	97 / 106
2020	+79.89%	+19.90%	+60.00	1 / 95
2019	+9.43%	+6.43%	+3.00	25 / 87
2018	—	—	—	—

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

+18.67%

81 windows

min -21.1% · max 79.6%

72% positive

3-Year rolling

+14.16%

57 windows

min 4.9% · max 29.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+14.80%

33 windows

min 3.8% · max 24.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+14.59%

8 windows

min 12.2% · max 16.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

16.95%

3-year · annualised

Sharpe ratio

0.42

vs risk-free 6.5%

Sortino ratio

0.62

Downside-only deviation

Max drawdown

-26.75%

Jan 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹17.4480	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹30.5463	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.5864	17 Jul 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹70.0600	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹14.5200	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹22.0968	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹32.1000	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.5239	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹28.4740
16 Jul 2026	₹28.9460
15 Jul 2026	₹28.7200
14 Jul 2026	₹28.5650
13 Jul 2026	₹28.6620
10 Jul 2026	₹28.6690
9 Jul 2026	₹28.4940
8 Jul 2026	₹28.0410
7 Jul 2026	₹28.3150
6 Jul 2026	₹28.4360

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 Healthcare Fund - Direct Plan - IDCW is ₹28.4740. It's a Sectoral/Thematic Fund from DSP, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Healthcare Fund - Direct Plan - IDCW has NAV history starting from 03 Dec 2018, a track record of about 7 years 7 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 Healthcare Fund - Direct Plan - IDCW is managed by DSP. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP Healthcare Fund - Direct Plan - IDCW has delivered a absolute return of 1.43% — -0.96 pp behind the Sectoral/Thematic Fund category average of 2.39%. The fund ranks #124 of 229 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP Healthcare Fund - Direct Plan - IDCW has delivered a CAGR of 12.98% — +1.46 pp ahead of the Sectoral/Thematic Fund category average of 11.53%. The fund ranks #74 of 151 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP Healthcare Fund - Direct Plan - IDCW has delivered a CAGR of 6.15% — -2.9 pp behind the Sectoral/Thematic Fund category average of 9.05%. The fund ranks #89 of 113 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP Healthcare Fund - Direct Plan - IDCW exactly 5 years ago would be worth approximately ₹134,775 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.15%. The category average over the same window would have grown ₹1 lakh to ₹154,217.

A ₹10,000 monthly SIP in DSP Healthcare Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹758,750 today. That's an XIRR (money-weighted annualised return) of 9.32%.

DSP Healthcare Fund - Direct Plan - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,246,307 — XIRR 11.08%.

On a 5-year basis, DSP Healthcare Fund - Direct Plan - IDCW ranks #89 out of 113 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 9.05%; this fund delivered 6.15%.

The worst peak-to-trough decline DSP Healthcare Fund - Direct Plan - IDCW has experienced over the last 5-year window is 28.80% — its NAV fell from a high on 15 Sep 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 Healthcare Fund - Direct Plan - IDCW averaged 14.80% (best 24.61%, worst 3.81%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.06 — weak risk-adjusted performance.

In calendar year 2025, DSP Healthcare Fund - Direct Plan - IDCW returned -12.63% — lagging the Sectoral/Thematic Fund category average of 1.49% by 14.12 pp. It ranked #198 of 204 in its category that year.

DSP Healthcare 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 Healthcare 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: 28.8%. 5-year CAGR: 6.15%.

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

DSP Healthcare Fund - Direct Plan - IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Sectoral/Thematic Fund

Recent NAVs

Frequently asked questions

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