Should I invest in DSP Savings Fund?

We don't give personal investment advice. DSP Savings Fund - Direct Plan - IDCW - Monthly 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: 0.9%. 5-year CAGR: 0.46%.

DSP

DSP Savings Fund - Direct Plan - IDCW - Monthly

Latest NAV

₹11.0682

As of

17 Jul 2026

3,276 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	+0.05%	+0.03%	+0.02	27 / 78	Q2
1W	+0.08%	+0.05%	+0.04	25 / 77	Q2
2W	+0.08%	+0.02%	+0.06	28 / 77	Q2
1M	-0.32%	+0.13%	-0.45	65 / 76	Q4
3M	-0.20%	+0.49%	-0.69	66 / 74	Q4
6M	+0.44%	+1.00%	-0.56	29 / 74	Q2
YTD	+0.51%	+1.05%	-0.54	29 / 74	Q2
1Y	+0.38%	+1.84%	-1.45	28 / 74	Q2
2Y	+0.51%	+2.30%	-1.79	30 / 72	Q2
3Y	+0.52%	+2.36%	-1.84	31 / 67	Q2
4Y	+0.52%	+2.44%	-1.92	30 / 61	Q2
5Y	+0.46%	+2.24%	-1.78	27 / 56	Q2
7Y	+0.36%	+1.91%	-1.54	26 / 49	Q3
10Y	+0.45%	+1.30%	-0.84	13 / 33	Q2
Inception	+0.57%	+1.89%	-1.32	38 / 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	+0.51%	+1.08%	-0.58	25 / 63
2025	+0.48%	+2.54%	-2.06	30 / 62
2024	+0.62%	+2.53%	-1.91	28 / 62
2023	+0.48%	+2.35%	-1.86	26 / 61
2022	+0.32%	+1.43%	-1.11	26 / 55
2021	+0.24%	+0.83%	-0.59	20 / 52
2020	+0.16%	+1.67%	-1.50	35 / 56
2019	+0.66%	+2.50%	-1.84	22 / 52
2018	+0.72%	+1.63%	-0.91	13 / 39
2017	+0.39%	+1.10%	-0.70	8 / 37
2016	+0.36%	+1.02%	-0.66	7 / 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

+0.54%

153 windows

min -0.9% · max 1.4%

96% positive

3-Year rolling

+0.53%

129 windows

min 0.0% · max 0.9%

100% positive

5-Year rolling

+0.50%

105 windows

min 0.2% · max 0.8%

100% positive

7-Year rolling

+0.49%

80 windows

min 0.3% · max 0.8%

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

0.75%

3-year · annualised

Sharpe ratio

-7.94

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.85%

Jun 2026 → Jun 2026

% positive months

66.7%

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	17 Jul 2026
NIPPON INDIA MONEY MARKET FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹1,006.2980	17 Jul 2026
SBI Savings Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹18.8241	17 Jul 2026
ICICI Prudential Money Market Fund Option - Direct Plan - Daily IDCW	ICICI Prudential	₹100.1435	17 Jul 2026
Invesco India Money Market Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,012.2021	17 Jul 2026
Bandhan Money Market Fund -Direct Plan-Daily IDCW	Bandhan	₹10.0994	17 Jul 2026
Aditya Birla Sun Life Money Manager Fund - Direct - daily IDCW	Aditya Birla Sun Life	₹100.0200	17 Jul 2026
Franklin India Money Market Fund Retail Option - Direct - Daily - IDCW	Franklin India	₹10.0537	17 Jul 2026
Mirae Asset Money Market Fund Direct IDCW	Mirae Asset	₹1,362.9574	17 Jul 2026
Kotak Money Market Fund - (Monthly Payout of Income Distribution cum capital withdrawal option) - Direct	Kotak	₹1,289.1926	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.0682
16 Jul 2026	₹11.0623
15 Jul 2026	₹11.0576
14 Jul 2026	₹11.0559
13 Jul 2026	₹11.0624
10 Jul 2026	₹11.0590
9 Jul 2026	₹11.0570
8 Jul 2026	₹11.0510
7 Jul 2026	₹11.0563
6 Jul 2026	₹11.0629

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 Savings Fund - Direct Plan - IDCW - Monthly is ₹11.0682. 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 - Monthly 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 Savings Fund - Direct Plan - IDCW - Monthly 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 - Monthly has delivered a absolute return of 0.38% — -1.45 pp behind the Money Market Fund category average of 1.84%. The fund ranks #28 of 74 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DSP Savings Fund - Direct Plan - IDCW - Monthly has delivered a CAGR of 0.52% — -1.84 pp behind the Money Market Fund category average of 2.36%. The fund ranks #31 of 67 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP Savings Fund - Direct Plan - IDCW - Monthly has delivered a CAGR of 0.46% — -1.78 pp behind the Money Market Fund category average of 2.24%. The fund ranks #27 of 56 in its category — the second (Q2) quartile.

₹1 lakh invested in DSP Savings Fund - Direct Plan - IDCW - Monthly exactly 10 years ago would be worth approximately ₹104,611 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.45%. The category average over the same window would have grown ₹1 lakh to ₹113,739.

A ₹10,000 monthly SIP in DSP Savings Fund - Direct Plan - IDCW - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹607,984 today. That's an XIRR (money-weighted annualised return) of 0.52%.

A ₹10,000 monthly SIP for 10 years in DSP Savings Fund - Direct Plan - IDCW - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,228,482 (multiplier 1.02×). XIRR: 0.46%. 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 - Monthly ranks #27 out of 56 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 2.24%; this fund delivered 0.46%.

The worst peak-to-trough decline DSP Savings Fund - Direct Plan - IDCW - Monthly has experienced over the last 5-year window is 0.85% — its NAV fell from a high on 25 Jun 2026 to a low on 29 Jun 2026. 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 - Monthly averaged 0.50% (best 0.84%, worst 0.23%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -8.35 — negative risk-adjusted performance.

In calendar year 2025, DSP Savings Fund - Direct Plan - IDCW - Monthly returned 0.48% — lagging the Money Market Fund category average of 2.54% by 2.06 pp. It ranked #30 of 62 in its category that year.

DSP Savings Fund - Direct Plan - IDCW - Monthly 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 - Monthly 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: 0.9%. 5-year CAGR: 0.46%.

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

DSP Savings Fund - Direct Plan - IDCW - Monthly

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Money Market Fund

Recent NAVs

Frequently asked questions

More from DSP