DSP Floater Fund vs HDFC Floating Rate Debt Fund
Floater Fund · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 13-Jul-2026
| Metric | DSP Floater Fund | HDFC Floating Rate Debt Fund |
|---|---|---|
| Latest NAV | ₹14.26 | ₹54.54 |
| 1-Year Return | +6.43% | +6.76% |
| 3-Year Return (CAGR) | +8.44% | +8.20% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 1.3% | 0.9% |
| Max Drawdown | −0.5% | −0.4% |
| Fund House | DSP Mutual Fund | HDFC Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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DSP Floater Fund vs HDFC Floating Rate Debt Fund: which is better?
DSP Floater Fund and HDFC Floating Rate Debt Fund are both floater fund mutual funds (direct plan, growth option). This comparison uses each fund's official AMFI NAV history — the same daily data the fund houses publish — to compare returns, volatility and drawdowns side by side.
On 3-year returns (annualised), DSP Floater Fund leads with +8.44% against +8.20% — a gap of about 0.25 percentage points per year over that period.
HDFC Floating Rate Debt Fund has been the steadier fund over the past year, with annualised volatility of 0.9% versus 1.3%. Looking at worst falls, DSP Floater Fund's deepest drawdown in the stored history is −0.5% against −0.4% for HDFC Floating Rate Debt Fund.
Which fund suits you depends on your horizon and appetite for swings: the higher-return fund is only the better pick if you can hold through its rougher months. Use the ₹10,000 growth chart above to see how each fund actually behaved through market cycles, and consider consulting a SEBI-registered adviser before investing. This comparison is informational, not investment advice.
Key takeaways
- DSP Floater Fund has delivered higher 3-year returns (+8.44% vs +8.20%).
- HDFC Floating Rate Debt Fund has shown lower volatility over the trailing year.
- HDFC Floating Rate Debt Fund has had the shallower maximum drawdown (−0.4%).
Frequently Asked Questions
Which fund has given higher returns — DSP Floater Fund or HDFC Floating Rate Debt Fund?
Over the past 3 year period, DSP Floater Fund has delivered higher returns: +8.44% versus +8.20% annualised. Past performance does not guarantee future results.
Which fund is less risky — DSP Floater Fund or HDFC Floating Rate Debt Fund?
Based on the trailing year, HDFC Floating Rate Debt Fund has shown lower day-to-day volatility (DSP Floater Fund: 1.3%, HDFC Floating Rate Debt Fund: 0.9% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both DSP Floater Fund and HDFC Floating Rate Debt Fund?
Yes — many investors split a SIP across two funds. If both funds are from the same category, remember they will hold overlapping stocks, so diversification benefits may be smaller than they appear. Check each scheme's portfolio before doubling up within one category.
More Floater Fund comparisons
Returns, volatility and drawdowns are computed from official AMFI NAV history for direct-growth plans and may differ slightly from fund-house factsheets due to date conventions. Mutual fund investments are subject to market risks. This comparison is for informational purposes only — not investment advice.