MonitorDirect · GrowthWatch before adding
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund
- NAV
- 13.0517
- 5 Nov 2026
- 1Y
- +5.2%
- Trailing CAGR
- AUM
- ₹86.49 Cr
- 30 Sept 2026
- Volatility
- Low
- 0.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 5 Nov 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
3.7 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.16% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.3%. Ask whether you can hold through a similar fall.
Vs category
Fail
6% 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 ≈ 99.7% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
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 0%. 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
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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+5.2%
- 3Y+7.5%
- 5Yn/a
- 10Yn/a
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.1%
- 3Y+6.6%
- 5Yn/a
- 10Yn/a
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- +2.7%
- Category median, same plan and option
- 3Y win rate
- +6%
- Windows beating the median
- 3Y percentile
- 39
- Vs comparable share classes
- SIP 3Y XIRR
- +6.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.1%
- 175 daily-ending windows
- Median rolling 3Y
- +7.5%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -0.3%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +39%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 3 days
- 145 recovered episodes
- Longest recovery
- 19 days
- Trough to prior peak
27 Sept 2023 – 27 Oct 2023
Trough 9 Oct 2023 · recovered in 18 days
-0.3%
24 Jul 2023 – 22 Aug 2023
Trough 3 Aug 2023 · recovered in 19 days
-0.3%
27 Mar 2026 – 8 Apr 2026
Trough 2 Apr 2026 · recovered in 6 days
-0.3%
13 Oct 2026 – 2 Nov 2026
Trough 16 Oct 2026 · recovered in 17 days
-0.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
39
Vs category
67
Consistency
30
Risk-adjusted
100
Drawdown
99
Mean
67
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 12 holdings · top 10 are 99.7%.
- Top 5
- 81.1%
- Top 10
- 99.7%
- Largest holding
- 21.5%
- Effective holdings
- 6.3
GOI Sec 8.28 21/09/2027
Entities
21.5%
GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100
Entities
21.5%
STATE DEVELOPMENT LOAN 19723 MH 09AG27 7.2 FV RS 100
Unspecified
19.1%
Tamilnadu State 7.18 26/07/2027
Unspecified
11.8%
STATE DEVELOPMENT LOAN 19792 MH 13SP27 7.33 FV RS 100
Unspecified
7.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
Kotak Mahindra Mutual Fund
- 1Y
- +6.6%
- 3Y
- n/a
- Vol
- 0.4%
- Max DD
- -0.2%
- Sharpe
- 2.49
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
BANDHAN NIFTY 100 INDEX FUND
Bandhan Mutual Fund
- 1Y
- -2.2%
- 3Y
- +10.8%
- Vol
- 13.6%
- Max DD
- -17.3%
- Sharpe
- 0.36
- 3Y win
- +51%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Edelweiss CRISIL IBX AAA Financial Services Bond - Jan 2028 Index Fund
Edelweiss Mutual Fund
- 1Y
- +5.5%
- 3Y
- n/a
- Vol
- 0.9%
- Max DD
- -0.5%
- Sharpe
- 1.51
- 3Y win
- n/a
- Lower volatility
- Higher win rate vs category
Caveat: Deeper drawdown · Lower trailing returns
ICICI Prudential Nifty Auto Index Fund
ICICI Prudential Mutual Fund
- 1Y
- +4.5%
- 3Y
- +20.2%
- Vol
- 18.1%
- Max DD
- -28.3%
- Sharpe
- 0.87
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
ICICI Prudential Nifty Midcap 150 Index Fund
ICICI Prudential Mutual Fund
- 1Y
- +1.1%
- 3Y
- +14.7%
- Vol
- 16.7%
- Max DD
- -21.1%
- Sharpe
- 0.59
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER