HealthyDirect · GrowthFit for a long SIP
DSP Income Plus Arbitrage Omni FoF
- NAV
- 23.8928
- 30 Oct 2026
- 1Y
- +4.2%
- Trailing CAGR
- AUM
- ₹1,620.62 Cr
- 30 Sept 2026
- Volatility
- Medium
- 8.8% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Buy checklist
History depth
Pass
12.2 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.43% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -17.0%. Ask whether you can hold through a similar fall.
Vs category
Fail
20% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 100.0% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+4.2%
- 3Y+11.5%
- 5Y+5.6%
- 10Y+8.3%
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.9%
- 3Y+6.3%
- 5Y+7.7%
- 10Y+8.1%
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- +0.6%
- Category median, same plan and option
- 3Y win rate
- +20%
- Windows beating the median
- 3Y percentile
- 49
- Vs comparable share classes
- SIP 3Y XIRR
- +6.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +1.8%
- 2173 daily-ending windows
- Median rolling 3Y
- +7.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1702 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -17.0%
- Worst peak-to-trough
- Current
- -0.3%
- Below last peak
- Current spell
- 49 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 13 days
- 167 recovered episodes
- Longest recovery
- 273 days
- Trough to prior peak
20 Feb 2020 – 26 May 2020
Trough 18 Mar 2020 · recovered in 69 days
-17.0%
16 Dec 2021 – 13 Jul 2023
Trough 13 Oct 2022 · recovered in 273 days
-14.2%
4 Oct 2018 – 5 Sept 2019
Trough 2 Jan 2019 · recovered in 246 days
-12.5%
13 May 2015 – 9 Aug 2016
Trough 12 Feb 2016 · recovered in 179 days
-8.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
49
Vs category
54
Consistency
23
Risk-adjusted
37
Drawdown
58
Mean
44
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
30 Sept 2026 · 5 holdings · top 10 are 100.0%.
- Top 5
- 100.0%
- Top 10
- 100.0%
- Largest holding
- 39.4%
- Effective holdings
- 2.9
DSP Banking and PSU Debt Fund Direct-Growth
Unspecified
39.4%
DSP Arbitrage Fund Direct - Growth
Unspecified
36.3%
DSP Short Term Fund Direct Plan-Growth
Unspecified
24.0%
Reverse Repo
Unspecified
0.4%
Net Receivables
Unspecified
0.0%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Motilal Oswal Asset Allocation Fund of Fund- Conservative
Motilal Oswal Mutual Fund
- 1Y
- +2.7%
- 3Y
- +12.8%
- Vol
- 8.3%
- Max DD
- -12.1%
- Sharpe
- 0.58
- 3Y win
- +20%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Bandhan Conservative Hybrid Passive FOF
Bandhan Mutual Fund
- 1Y
- -0.5%
- 3Y
- +7.0%
- Vol
- 3.5%
- Max DD
- -9.8%
- Sharpe
- 0.66
- 3Y win
- +26%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
ICICI Prudential Diversified Debt Strategy Active FOF - Dividend option
ICICI Prudential Mutual Fund
- 1Y
- +3.8%
- 3Y
- +6.8%
- Vol
- 2.0%
- Max DD
- -4.6%
- Sharpe
- 1.03
- 3Y win
- +33%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
ICICI Prudential Income plus Arbitrage Omni FOF
ICICI Prudential Mutual Fund
- 1Y
- +5.1%
- 3Y
- +9.1%
- Vol
- 5.8%
- Max DD
- -14.0%
- Sharpe
- 0.62
- 3Y win
- +24%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
HDFC Gold ETF Fund of Fund
HDFC Mutual Fund
- 1Y
- +16.6%
- 3Y
- +30.9%
- Vol
- 15.3%
- Max DD
- -24.8%
- Sharpe
- 0.36
- 3Y win
- +52%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown