Should I invest in DSP Savings Fund?

We don't give personal investment advice. DSP Savings Fund - Regular Plan - IDCW - Daily 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: 0.00%.

DSP

DSP Savings Fund - Regular Plan - IDCW - Daily

Latest NAV

₹10.1021

As of

3 Jun 2026

3,103 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	+0.00%	+0.01%	-0.01	37 / 46	Q4
1W	+0.14%	+0.15%	-0.01	30 / 46	Q3
2W	+0.04%	+0.08%	-0.04	32 / 44	Q3
1M	+0.00%	+0.00%	0.00	28 / 44	Q3
3M	+0.00%	+0.33%	-0.33	30 / 44	Q3
6M	+0.00%	+0.55%	-0.55	28 / 42	Q3
YTD	+0.00%	+0.49%	-0.49	28 / 42	Q3
1Y	+0.00%	+1.47%	-1.47	24 / 42	Q3
2Y	+0.00%	+2.26%	-2.26	27 / 39	Q3
3Y	+0.00%	+2.45%	-2.45	29 / 39	Q3
4Y	+0.09%	+2.35%	-2.26	20 / 32	Q3
5Y	+0.00%	+1.79%	-1.79	27 / 30	Q4
7Y	+0.06%	+2.24%	-2.18	13 / 18	Q3
10Y	+0.05%	+1.92%	-1.88	8 / 10	Q4
Inception	+0.07%	+1.81%	-1.74	34 / 46	Q3

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	+0.00%	+0.43%	-0.43	25 / 38
2025	+0.00%	+2.33%	-2.33	26 / 36
2024	+0.00%	+2.60%	-2.60	26 / 39
2023	+0.02%	+2.54%	-2.52	23 / 35
2022	+0.02%	+1.53%	-1.51	25 / 30
2021	+0.00%	+0.99%	-0.99	18 / 29
2020	+0.39%	+1.58%	-1.19	17 / 27
2019	+0.06%	+3.42%	-3.36	14 / 18
2018	+0.00%	+3.12%	-3.12	9 / 11
2017	+0.00%	+2.41%	-2.41	8 / 12
2016	+0.00%	+0.97%	-0.97	6 / 8

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

+0.04%

145 windows

min -0.4% · max 0.6%

24% positive

3-Year rolling

+0.05%

120 windows

min 0.0% · max 0.5%

46% positive

5-Year rolling

+0.06%

96 windows

min 0.0% · max 0.1%

79% positive

7-Year rolling

+0.07%

72 windows

min 0.0% · max 0.1%

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

0.04%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.22%

Mar 2024 → May 2026

% positive months

2.8%

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
SBI Savings Fund - Regular Plan Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹14.2035	3 Jun 2026
Invesco India Money Market Fund - Regular - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,495.7975	3 Jun 2026
Bandhan Money Market Fund - Regular Plan - Periodic IDCW	Bandhan	₹13.9471	3 Jun 2026
Mirae Asset Money Market Fund Regular IDCW	Mirae Asset	₹1,326.1951	3 Jun 2026
Edelweiss Money Market Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹29.6239	3 Jun 2026
HSBC Money Market Fund - Regular Daily IDCW	HSBC	₹10.8591	3 Jun 2026
Baroda BNP Paribas Money Market Fund - Regular Plan - Monthly IDCW	Baroda BNP Paribas	₹1,009.5700	3 Jun 2026
UTI MMF - Regular Plan - Flexi Dividend Option	UTI	₹1,259.4309	3 Jun 2026
PGIM India Money Market Fund - Regular Plan - Daily Dividend Option	PGIM India	₹1,009.0935	3 Jun 2026
Axis Money Market Fund - Regular Plan - Annual IDCW	Axis	₹1,277.7942	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.1021
2 Jun 2026	₹10.1021
1 Jun 2026	₹10.1021
29 May 2026	₹10.0976
27 May 2026	₹10.0919
26 May 2026	₹10.0880
25 May 2026	₹10.0893
22 May 2026	₹10.0850
21 May 2026	₹10.0860
20 May 2026	₹10.0939

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 - Regular Plan - IDCW - Daily is ₹10.1021. It's a Money Market Fund from DSP, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Savings Fund - Regular Plan - IDCW - Daily has NAV history starting from 02 Aug 2013, a track record of about 12 years 10 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 - Regular Plan - IDCW - Daily 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 - Regular Plan - IDCW - Daily has delivered a absolute return of 0.00% — -1.47 pp behind the Money Market Fund category average of 1.47%. The fund ranks #24 of 42 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP Savings Fund - Regular Plan - IDCW - Daily has delivered a CAGR of 0.00% — -2.45 pp behind the Money Market Fund category average of 2.45%. The fund ranks #29 of 39 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Savings Fund - Regular Plan - IDCW - Daily has delivered a CAGR of 0.00% — -1.79 pp behind the Money Market Fund category average of 1.79%. The fund ranks #27 of 30 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP Savings Fund - Regular Plan - IDCW - Daily exactly 10 years ago would be worth approximately ₹100,455 today — a multiplier of 1.00×, based on the 10-year CAGR of 0.05%. The category average over the same window would have grown ₹1 lakh to ₹120,976.

A ₹10,000 monthly SIP in DSP Savings Fund - Regular Plan - IDCW - Daily over the last 5 years — total invested ₹600,000 — would be worth ₹600,042 today. That's an XIRR (money-weighted annualised return) of 0.00%.

A ₹10,000 monthly SIP for 10 years in DSP Savings Fund - Regular Plan - IDCW - Daily = ₹1,200,000 invested. It would currently be worth ₹1,202,216 (multiplier 1.00×). XIRR: 0.04%. 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 - Daily ranks #27 out of 30 funds in the Money Market Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.79%; this fund delivered 0.00%.

The worst peak-to-trough decline DSP Savings Fund - Regular Plan - IDCW - Daily has experienced over the last 5-year window is 0.58% — its NAV fell from a high on 02 Jun 2021 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 - IDCW - Daily averaged 0.06% (best 0.11%, worst -0.01%). 79% of rolling windows ended positive.

In calendar year 2025, DSP Savings Fund - Regular Plan - IDCW - Daily returned 0.00% — lagging the Money Market Fund category average of 2.33% by 2.33 pp. It ranked #26 of 36 in its category that year.

DSP Savings Fund - Regular Plan - IDCW - Daily 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 - Daily 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: 0.00%.

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