Should I invest in DSP Regular Savings Fund?

We don't give personal investment advice. DSP Regular Savings 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: 4.6%. 5-year CAGR: 7.12%.

DSP BlackRock

DSP Regular Savings Fund- Regular Plan - Growth

Latest NAV

₹60.7607

As of

24 Jul 2026

4,914 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	-0.02%	-0.01%	-0.02	21 / 33	Q3
1W	-0.49%	-0.45%	-0.04	20 / 33	Q3
2W	-0.49%	-0.51%	+0.02	16 / 33	Q2
1M	0.00%	-0.32%	+0.32	16 / 33	Q2
3M	+1.62%	+0.84%	+0.78	12 / 33	Q2
6M	+1.88%	+0.30%	+1.58	8 / 33	Q1
YTD	+1.09%	-0.83%	+1.92	8 / 33	Q1
1Y	+2.90%	-1.21%	+4.11	6 / 33	Q1
2Y	+5.55%	+0.99%	+4.56	3 / 33	Q1
3Y	+8.31%	+3.62%	+4.69	5 / 33	Q1
4Y	+8.60%	+4.07%	+4.54	6 / 33	Q1
5Y	+7.12%	+3.33%	+3.79	10 / 33	Q2
7Y	+7.95%	+3.99%	+3.96	10 / 33	Q2
10Y	+6.69%	+3.05%	+3.64	9 / 33	Q2
Inception	+7.98%	+3.74%	+4.24	9 / 33	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	+1.09%	-0.83%	+1.92	8 / 33
2025	+7.13%	+1.83%	+5.30	2 / 33
2024	+10.85%	+6.68%	+4.17	8 / 33
2023	+11.95%	+6.65%	+5.31	6 / 33
2022	+3.52%	-0.18%	+3.70	9 / 33
2021	+7.62%	+6.74%	+0.88	15 / 33
2020	+9.17%	+5.49%	+3.68	13 / 33
2019	+6.77%	+2.15%	+4.62	7 / 33
2018	-5.23%	-3.43%	-1.80	22 / 33
2017	+10.91%	+4.29%	+6.63	4 / 33
2016	+10.44%	+4.98%	+5.45	4 / 33

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

+8.25%

236 windows

min -5.9% · max 22.7%

91% positive

3-Year rolling

+8.17%

211 windows

min 0.5% · max 12.9%

100% positive

5-Year rolling

+7.97%

187 windows

min 3.6% · max 11.4%

100% positive

7-Year rolling

+7.90%

163 windows

min 5.2% · max 10.5%

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

3.41%

3-year · annualised

Sharpe ratio

0.46

vs risk-free 6.5%

Sortino ratio

1.01

Downside-only deviation

Max drawdown

-3.35%

Jan 2026 → Mar 2026

% positive months

83.3%

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 Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Debt Fund - Growth Plan	HDFC	₹83.7369	24 Jul 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	24 Jul 2026
SBI Conservative Hybrid Fund - Regular Plan - Annual Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹26.8982	24 Jul 2026
ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW	ICICI Prudential	₹13.7621	24 Jul 2026
Franklin India Conservative Hybrid Fund - Growth	Franklin Templeton	₹92.1044	24 Jul 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.1922	24 Jul 2026
DSP Regular Savings Fund - Regular Plan - IDCW - Monthly	DSP BlackRock	₹10.9906	24 Jul 2026
HSBC Conservative Hybrid Fund - Regular Growth	HSBC	₹63.4001	24 Jul 2026
CANARA ROBECO CONSERVATIVE HYBRID FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹98.9873	24 Jul 2026
UTI Conservative Hybrd Fund - Regular Plan - Monthly Payment Option	UTI	₹70.6727	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹60.7607
23 Jul 2026	₹60.7751
22 Jul 2026	₹60.8279
21 Jul 2026	₹60.9872
20 Jul 2026	₹60.9742
17 Jul 2026	₹61.0620
16 Jul 2026	₹61.0048
15 Jul 2026	₹60.9991
14 Jul 2026	₹60.8823
13 Jul 2026	₹61.0844

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 24 Jul 2026, the NAV of DSP Regular Savings Fund- Regular Plan - Growth is ₹60.7607. It's a Conservative Hybrid Fund from DSP BlackRock, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Regular Savings Fund- Regular Plan - Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

DSP Regular Savings Fund- Regular Plan - Growth is managed by DSP BlackRock. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP Regular Savings Fund- Regular Plan - Growth has delivered a absolute return of 2.90% — +4.11 pp ahead of the Conservative Hybrid Fund category average of -1.21%. The fund ranks #6 of 33 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DSP Regular Savings Fund- Regular Plan - Growth has delivered a CAGR of 8.31% — +4.69 pp ahead of the Conservative Hybrid Fund category average of 3.62%. The fund ranks #5 of 33 in its category — the top (Q1) quartile.

Over the trailing 5-year window, DSP Regular Savings Fund- Regular Plan - Growth has delivered a CAGR of 7.12% — +3.79 pp ahead of the Conservative Hybrid Fund category average of 3.33%. The fund ranks #10 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in DSP Regular Savings Fund- Regular Plan - Growth exactly 10 years ago would be worth approximately ₹191,108 today — a multiplier of 1.91×, based on the 10-year CAGR of 6.69%. The category average over the same window would have grown ₹1 lakh to ₹135,098.

A ₹10,000 monthly SIP in DSP Regular Savings Fund- Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹726,208 today. That's an XIRR (money-weighted annualised return) of 7.57%.

A ₹10,000 monthly SIP for 10 years in DSP Regular Savings Fund- Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,737,908 (multiplier 1.45×). XIRR: 7.19%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP Regular Savings Fund- Regular Plan - Growth ranks #10 out of 33 funds in the Conservative Hybrid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.33%; this fund delivered 7.12%.

The worst peak-to-trough decline DSP Regular Savings Fund- Regular Plan - Growth has experienced over the last 5-year window is 4.60% — its NAV fell from a high on 05 Apr 2022 to a low on 16 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 Regular Savings Fund- Regular Plan - Growth averaged 7.97% (best 11.42%, worst 3.58%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.13 — weak risk-adjusted performance.

In calendar year 2025, DSP Regular Savings Fund- Regular Plan - Growth returned 7.13% — beating the Conservative Hybrid Fund category average of 1.83% by 5.30 pp. It ranked #2 of 33 in its category that year.

DSP Regular Savings 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 Regular Savings 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: 4.6%. 5-year CAGR: 7.12%.

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

DSP Regular Savings Fund- Regular Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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