Should I invest in DSP Savings Fund?

We don't give personal investment advice. DSP Savings Fund - Direct Plan - IDCW is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.5%. 5-year CAGR: 0.37%.

DSP

DSP Savings Fund - Direct Plan - IDCW

Latest NAV

₹12.3821

As of

3 Jun 2026

3,245 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	+0.03%	+0.01%	+0.02	29 / 78	Q2
1W	+0.23%	+0.16%	+0.08	28 / 77	Q2
2W	+0.14%	+0.09%	+0.05	33 / 76	Q2
1M	+0.20%	+0.09%	+0.11	25 / 75	Q2
3M	-1.39%	+0.38%	-1.76	73 / 74	Q4
6M	-0.03%	+0.73%	-0.76	61 / 75	Q4
YTD	-0.50%	+0.64%	-1.14	68 / 74	Q4
1Y	-0.15%	+1.73%	-1.88	56 / 74	Q4
2Y	+0.28%	+2.20%	-1.92	31 / 72	Q2
3Y	+0.25%	+2.30%	-2.05	33 / 67	Q2
4Y	+0.64%	+2.36%	-1.73	28 / 60	Q2
5Y	+0.37%	+2.14%	-1.77	26 / 54	Q2
7Y	+0.42%	+1.92%	-1.50	21 / 45	Q2
10Y	+0.47%	+1.28%	-0.80	12 / 33	Q2
Inception	+0.63%	+1.84%	-1.21	35 / 78	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	-0.50%	+0.60%	-1.10	57 / 63
2025	+0.28%	+2.54%	-2.26	34 / 62
2024	+0.50%	+2.53%	-2.03	29 / 62
2023	+0.40%	+2.35%	-1.94	27 / 61
2022	+0.96%	+1.43%	-0.47	21 / 55
2021	+0.22%	+0.83%	-0.61	21 / 52
2020	+0.75%	+1.67%	-0.92	25 / 56
2019	+0.01%	+2.50%	-2.49	34 / 52
2018	+1.41%	+1.63%	-0.22	11 / 39
2017	+0.15%	+1.10%	-0.95	10 / 37
2016	+0.25%	+1.02%	-0.77	11 / 35

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

+0.62%

152 windows

min -1.3% · max 4.0%

84% positive

3-Year rolling

+0.56%

127 windows

min -0.2% · max 1.3%

98% positive

5-Year rolling

+0.56%

103 windows

min 0.2% · max 1.0%

100% positive

7-Year rolling

+0.59%

79 windows

min 0.3% · max 1.0%

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

4.14%

3-year · annualised

Sharpe ratio

-1.49

vs risk-free 6.5%

Sortino ratio

-1.65

Downside-only deviation

Max drawdown

-3.46%

Sep 2023 → Sep 2023

% 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 Money Market Fund

Scheme	Fund house	NAV	As of
HDFC Money Market Fund - Daily IDCW Option - Direct Plan	HDFC	₹1,063.6400	3 Jun 2026
NIPPON INDIA MONEY MARKET FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹1,006.2364	3 Jun 2026
SBI Savings Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹18.5990	3 Jun 2026
ICICI Prudential Money Market Fund Option - Direct Plan - Daily IDCW	ICICI Prudential	₹100.1435	3 Jun 2026
Invesco India Money Market Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,012.2021	3 Jun 2026
Bandhan Money Market Fund -Direct Plan-Daily IDCW	Bandhan	₹10.0994	3 Jun 2026
Aditya Birla Sun Life Money Manager Fund - Direct - daily IDCW	Aditya Birla Sun Life	₹100.0200	3 Jun 2026
Franklin India Money Market Fund Retail Option - Direct - Daily - IDCW	Franklin India	₹10.0646	3 Jun 2026
Mirae Asset Money Market Fund Direct IDCW	Mirae Asset	₹1,346.7546	3 Jun 2026
Kotak Money Market Fund - (Monthly Payout of Income Distribution cum capital withdrawal option) - Direct	Kotak	₹1,273.6788	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹12.3821
2 Jun 2026	₹12.3799
1 Jun 2026	₹12.3763
29 May 2026	₹12.3650
27 May 2026	₹12.3561
26 May 2026	₹12.3512
25 May 2026	₹12.3527
22 May 2026	₹12.3472
21 May 2026	₹12.3484
20 May 2026	₹12.3579

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 Savings Fund - Direct Plan - IDCW is ₹12.3821. It's a Money Market Fund from DSP, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

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

Over the trailing 1-year window, DSP Savings Fund - Direct Plan - IDCW has delivered a absolute return of -0.15% — -1.88 pp behind the Money Market Fund category average of 1.73%. The fund ranks #56 of 74 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Savings Fund - Direct Plan - IDCW has delivered a CAGR of 0.25% — -2.05 pp behind the Money Market Fund category average of 2.30%. The fund ranks #33 of 67 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP Savings Fund - Direct Plan - IDCW has delivered a CAGR of 0.37% — -1.77 pp behind the Money Market Fund category average of 2.14%. The fund ranks #26 of 54 in its category — the second (Q2) quartile.

₹1 lakh invested in DSP Savings Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹104,852 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.47%. The category average over the same window would have grown ₹1 lakh to ₹113,561.

A ₹10,000 monthly SIP in DSP Savings Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹604,174 today. That's an XIRR (money-weighted annualised return) of 0.27%.

A ₹10,000 monthly SIP for 10 years in DSP Savings Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,224,158 (multiplier 1.02×). XIRR: 0.39%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP Savings Fund - Direct Plan - IDCW ranks #26 out of 54 funds in the Money Market Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.14%; this fund delivered 0.37%.

The worst peak-to-trough decline DSP Savings Fund - Direct Plan - IDCW has experienced over the last 5-year window is 3.46% — its NAV fell from a high on 27 Sep 2023 to a low on 29 Sep 2023. 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 Savings Fund - Direct Plan - IDCW averaged 0.56% (best 0.98%, worst 0.22%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.65 — negative risk-adjusted performance.

In calendar year 2025, DSP Savings Fund - Direct Plan - IDCW returned 0.28% — lagging the Money Market Fund category average of 2.54% by 2.26 pp. It ranked #34 of 62 in its category that year.

DSP Savings Fund - Direct Plan - IDCW is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. DSP Savings Fund - Direct Plan - IDCW is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.5%. 5-year CAGR: 0.37%.

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