Should I invest in DSP Savings Fund?

We don't give personal investment advice. DSP Savings Fund - Regular 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: 3.4%. 5-year CAGR: 0.51%.

DSP BlackRock

DSP Savings Fund - Regular Plan - IDCW

Latest NAV

₹12.5101

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	7 / 53	Q1
1W	+0.13%	+0.08%	+0.05	12 / 53	Q1
2W	+0.21%	+0.15%	+0.06	17 / 53	Q2
1M	+0.59%	+0.26%	+0.33	13 / 52	Q1
3M	+1.61%	+0.61%	+1.01	8 / 51	Q1
6M	+0.74%	+1.24%	-0.51	22 / 51	Q2
YTD	+0.88%	+1.31%	-0.43	22 / 51	Q2
1Y	+0.17%	+2.24%	-2.07	25 / 51	Q2
2Y	+0.44%	+2.83%	-2.39	24 / 51	Q2
3Y	+0.36%	+3.13%	-2.77	22 / 43	Q3
4Y	+0.79%	+3.14%	-2.35	21 / 43	Q2
5Y	+0.51%	+2.84%	-2.32	22 / 43	Q3
7Y	+0.45%	+2.66%	-2.22	22 / 43	Q3
10Y	+0.50%	+2.74%	-2.24	21 / 42	Q2
Inception	+0.68%	+3.33%	-2.66	22 / 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	+0.88%	+1.32%	-0.44	19 / 42
2025	+0.27%	+3.15%	-2.88	24 / 42
2024	+0.49%	+3.39%	-2.91	22 / 41
2023	+0.39%	+3.51%	-3.12	22 / 39
2022	+0.95%	+2.03%	-1.07	19 / 41
2021	+0.21%	+1.44%	-1.23	22 / 41
2020	+0.76%	+2.26%	-1.50	22 / 47
2019	0.00%	+2.96%	-2.97	37 / 47
2018	+1.40%	+2.57%	-1.18	17 / 43
2017	+0.14%	+2.37%	-2.24	18 / 43
2016	+0.24%	+2.97%	-2.74	23 / 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

+0.56%

236 windows

min -2.1% · max 2.9%

84% positive

3-Year rolling

+0.62%

211 windows

min -0.2% · max 1.6%

98% positive

5-Year rolling

+0.65%

187 windows

min 0.2% · max 1.4%

100% positive

7-Year rolling

+0.66%

163 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

3.94%

3-year · annualised

Sharpe ratio

-1.54

vs risk-free 6.5%

Sortino ratio

-1.72

Downside-only deviation

Max drawdown

-3.35%

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	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 - Growth	DSP BlackRock	₹56.2045	24 Jul 2026
UTI MMF - Regular Plan - Growth Option	UTI	₹3,298.0745	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹12.5101
23 Jul 2026	₹12.5069
22 Jul 2026	₹12.5038
21 Jul 2026	₹12.5031
20 Jul 2026	₹12.4966
17 Jul 2026	₹12.4942
16 Jul 2026	₹12.4877
15 Jul 2026	₹12.4825
14 Jul 2026	₹12.4806
13 Jul 2026	₹12.4880

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 - IDCW is ₹12.5101. 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 - IDCW 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 - IDCW 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 - IDCW has delivered a absolute return of 0.17% — -2.07 pp behind the Money Market Fund category average of 2.24%. The fund ranks #25 of 51 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DSP Savings Fund - Regular Plan - IDCW has delivered a CAGR of 0.36% — -2.77 pp behind the Money Market Fund category average of 3.13%. The fund ranks #22 of 43 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Savings Fund - Regular Plan - IDCW has delivered a CAGR of 0.51% — -2.32 pp behind the Money Market Fund category average of 2.84%. The fund ranks #22 of 43 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Savings Fund - Regular Plan - IDCW exactly 10 years ago would be worth approximately ₹105,092 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.50%. 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 - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹610,017 today. That's an XIRR (money-weighted annualised return) of 0.65%.

A ₹10,000 monthly SIP for 10 years in DSP Savings Fund - Regular Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,235,615 (multiplier 1.03×). XIRR: 0.58%. 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 - IDCW ranks #22 out of 43 funds in the Money Market Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.84%; this fund delivered 0.51%.

The worst peak-to-trough decline DSP Savings Fund - Regular Plan - IDCW has experienced over the last 5-year window is 3.35% — 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 - Regular Plan - IDCW averaged 0.65% (best 1.35%, worst 0.20%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.70 — negative risk-adjusted performance.

In calendar year 2025, DSP Savings Fund - Regular Plan - IDCW returned 0.27% — lagging the Money Market Fund category average of 3.15% by 2.88 pp. It ranked #24 of 42 in its category that year.

DSP Savings Fund - Regular 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 - Regular 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: 3.4%. 5-year CAGR: 0.51%.

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