HealthyDirect · GrowthFit for a long SIP
DSP Value Fund
- NAV
- 23.734
- 29 Oct 2026
- 1Y
- +0.3%
- Trailing CAGR
- AUM
- ₹2,224.54 Cr
- 30 Sept 2026
- Volatility
- Medium
- 10.7% 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 · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Pass
5.9 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.50% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -16.5%. Ask whether you can hold through a similar fall.
Vs category
Watch
40% 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
Pass
Top 10 holdings ≈ 45.1% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 16%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
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+0.3%
- 3Y+16.3%
- 5Y+12.3%
- 10Yn/a
- SI+15.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-1.8%
- 3Y+7.5%
- 5Y+12.8%
- 10Yn/a
- Since inception
- +15.8%
- Calendar-day CAGR
- Excess 1Y
- +7.0%
- Category median, same plan and option
- 3Y win rate
- +40%
- Windows beating the median
- 3Y percentile
- 85
- Vs comparable share classes
- SIP 3Y XIRR
- +7.5%
- Simulated monthly SIP
- Worst rolling 3Y
- +13.2%
- 638 daily-ending windows
- Median rolling 3Y
- +18.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 200 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -16.5%
- Worst peak-to-trough
- Current
- -6.0%
- Below last peak
- Current spell
- 85 days
- Days below latest peak
- Time below peak
- +81%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 82 recovered episodes
- Longest recovery
- 165 days
- Trough to prior peak
17 Jan 2022 – 2 Dec 2022
Trough 20 Jun 2022 · recovered in 165 days
-16.5%
27 Sept 2024 – 3 Jul 2025
Trough 7 Apr 2025 · recovered in 87 days
-13.7%
11 Feb 2026 – 7 May 2026
Trough 23 Mar 2026 · recovered in 45 days
-8.3%
5 Aug 2026 – open
Trough 8 Oct 2026 · not recovered
-7.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
85
Vs category
94
Consistency
40
Risk-adjusted
74
Drawdown
59
Mean
70
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
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 68 holdings · top 10 are 45.1%.
- Top 5
- 32.2%
- Top 10
- 45.1%
- Largest holding
- 9.4%
- Effective holdings
- 28.5
HDFC Bank Ltd
Financial
9.4%
ICICI Bank Ltd
Financial
8.2%
Reverse Repo
Unspecified
7.3%
National Stock Exchange Of India Ltd Index ID
Financial
4.0%
Mahindra & Mahindra Ltd
Consumer Discretionary
3.3%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Quant Value Fund
quant Mutual Fund
- 1Y
- +4.6%
- 3Y
- +19.7%
- Vol
- 19.5%
- Max DD
- -24.0%
- Sharpe
- 0.65
- 3Y win
- +99%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
LIC MF Value Fund
LIC Mutual Fund
- 1Y
- +11.5%
- 3Y
- +16.6%
- Vol
- 16.9%
- Max DD
- -25.2%
- Sharpe
- 0.59
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Bandhan Value Fund
Bandhan Mutual Fund
- 1Y
- -6.3%
- 3Y
- +10.3%
- Vol
- 16.0%
- Max DD
- -51.9%
- Sharpe
- 0.63
- 3Y win
- +69%
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
HDFC Value Fund
HDFC Mutual Fund
- 1Y
- -1.3%
- 3Y
- +15.4%
- Vol
- 15.8%
- Max DD
- -43.9%
- Sharpe
- 0.64
- 3Y win
- +47%
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
ICICI Prudential Value Fund (erstwhile Value Discovery Fund)
ICICI Prudential Mutual Fund
- 1Y
- -10.4%
- 3Y
- +11.6%
- Vol
- 14.2%
- Max DD
- -36.7%
- Sharpe
- 0.76
- 3Y win
- +72%
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns