Should I invest in DSP Savings Fund?

We don't give personal investment advice. DSP Savings Fund - Regular Plan - Growth 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: 0.6%. 5-year CAGR: 6.10%.

DSP BlackRock

DSP Savings Fund - Regular Plan - Growth

Latest NAV

₹56.2045

As of

24 Jul 2026

4,913 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	8 / 53	Q1
1W	+0.13%	+0.08%	+0.05	11 / 53	Q1
2W	+0.21%	+0.15%	+0.06	18 / 53	Q2
1M	+0.59%	+0.26%	+0.33	12 / 52	Q1
3M	+1.61%	+0.61%	+1.01	7 / 51	Q1
6M	+3.35%	+1.24%	+2.11	2 / 51	Q1
YTD	+3.49%	+1.31%	+2.18	9 / 51	Q1
1Y	+6.10%	+2.24%	+3.86	13 / 51	Q2
2Y	+6.82%	+2.83%	+4.00	16 / 51	Q2
3Y	+6.95%	+3.13%	+3.83	14 / 43	Q2
4Y	+6.90%	+3.14%	+3.75	13 / 43	Q2
5Y	+6.10%	+2.84%	+3.26	12 / 43	Q2
7Y	+5.91%	+2.66%	+3.25	10 / 43	Q1
10Y	+6.19%	+2.74%	+3.45	11 / 42	Q2
Inception	+6.37%	+3.33%	+3.04	15 / 52	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	+3.49%	+1.32%	+2.17	8 / 42
2025	+6.99%	+3.15%	+3.84	17 / 42
2024	+7.34%	+3.39%	+3.95	11 / 41
2023	+7.17%	+3.51%	+3.66	10 / 39
2022	+3.99%	+2.03%	+1.96	16 / 41
2021	+3.63%	+1.44%	+2.19	8 / 41
2020	+5.64%	+2.26%	+3.39	11 / 47
2019	+7.86%	+2.96%	+4.90	8 / 47
2018	+7.20%	+2.57%	+4.63	13 / 43
2017	+5.78%	+2.37%	+3.40	16 / 43
2016	+6.72%	+2.97%	+3.74	17 / 44

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

+6.40%

236 windows

min 2.3% · max 10.4%

100% positive

3-Year rolling

+6.39%

211 windows

min 4.3% · max 8.7%

100% positive

5-Year rolling

+6.48%

187 windows

min 5.0% · max 8.1%

100% positive

7-Year rolling

+6.65%

163 windows

min 5.7% · max 7.7%

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

0.59%

3-year · annualised

Sharpe ratio

0.42

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.17%

May 2026 → May 2026

% positive months

100.0%

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	HDFC	₹1,063.6400	24 Jul 2026
NIPPON INDIA MONEY MARKET FUND - QUARTERLY IDCW Option	Nippon India	₹1,019.7065	24 Jul 2026
SBI SAVINGS FUND - REGULAR PLAN - GROWTH	SBI	₹44.1318	24 Jul 2026
ICICI Prudential Money Market Fund Option - Daily IDCW	ICICI Prudential	₹100.1295	24 Jul 2026
Invesco India Money Market Fund - Daily IDCW (Reinvestment)	Invesco	₹1,000.2900	24 Jul 2026
Franklin India Money Market Fund - DP - Wkly IDCW R	Franklin India	₹10.1018	24 Jul 2026
Franklin India Money Market Fund - Growth Option	Franklin Templeton	₹53.6259	24 Jul 2026
Kotak Money Market Fund - (Growth)	Kotak Mahindra	₹4,800.6647	24 Jul 2026
DSP Savings Fund - Regular Plan - IDCW	DSP BlackRock	₹12.5101	24 Jul 2026
UTI MMF - Regular Plan - Growth Option	UTI	₹3,298.0745	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹56.2045
23 Jul 2026	₹56.1901
22 Jul 2026	₹56.1758
21 Jul 2026	₹56.1727
20 Jul 2026	₹56.1438
17 Jul 2026	₹56.1330
16 Jul 2026	₹56.1038
15 Jul 2026	₹56.0803
14 Jul 2026	₹56.0720
13 Jul 2026	₹56.1050

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 Savings Fund - Regular Plan - Growth is ₹56.2045. It's a Money Market Fund from DSP BlackRock, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP 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 Savings Fund - Regular Plan - Growth is managed by DSP BlackRock. 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 - Regular Plan - Growth has delivered a absolute return of 6.10% — +3.86 pp ahead of the Money Market Fund category average of 2.24%. The fund ranks #13 of 51 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DSP Savings Fund - Regular Plan - Growth has delivered a CAGR of 6.95% — +3.83 pp ahead of the Money Market Fund category average of 3.13%. The fund ranks #14 of 43 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP Savings Fund - Regular Plan - Growth has delivered a CAGR of 6.10% — +3.26 pp ahead of the Money Market Fund category average of 2.84%. The fund ranks #12 of 43 in its category — the second (Q2) quartile.

₹1 lakh invested in DSP Savings Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹182,377 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.19%. The category average over the same window would have grown ₹1 lakh to ₹131,023.

A ₹10,000 monthly SIP in DSP Savings Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹710,823 today. That's an XIRR (money-weighted annualised return) of 6.71%.

A ₹10,000 monthly SIP for 10 years in DSP Savings Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,651,538 (multiplier 1.38×). XIRR: 6.22%. 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 - Regular Plan - Growth ranks #12 out of 43 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 2.84%; this fund delivered 6.10%.

The worst peak-to-trough decline DSP Savings Fund - Regular Plan - Growth has experienced over the last 5-year window is 0.58% — its NAV fell from a high on 02 May 2022 to a low on 13 May 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 Savings Fund - Regular Plan - Growth averaged 6.48% (best 8.14%, worst 5.00%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.76 — negative risk-adjusted performance.

In calendar year 2025, DSP Savings Fund - Regular Plan - Growth returned 6.99% — beating the Money Market Fund category average of 3.15% by 3.84 pp. It ranked #17 of 42 in its category that year.

DSP Savings Fund - Regular Plan - Growth 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 - Regular Plan - Growth 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: 0.6%. 5-year CAGR: 6.10%.

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

DSP 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 Money Market Fund

Recent NAVs

Frequently asked questions

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