{"id":247761,"date":"2026-09-16T09:30:45","date_gmt":"2026-09-16T04:00:45","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-16T09:30:45","modified_gmt":"2026-09-16T04:00:45","slug":"groww-dynamic-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/","title":{"rendered":"Groww Dynamic Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/groww-dynamic-term-fund-g-direct-plan\">Groww Dynamic Term Fund Direct Growth Plan<\/a> has a current NAV of \u20b91578.2867 as of 15 Sep 2026 and an AUM of \u20b925 Cr. Its 1-year, 3-year and 5-year returns are 3.35%, 5.77% and 5.06%, and the scheme sits in the Medium Risk category.<\/p>\n<p>Our view is that this is a conservative debt-oriented option with a steady, but not high-growth, return profile. The portfolio mix leans heavily toward government securities, certificates of deposit and cash-like instruments, which supports stability, though the benchmark has been choppier over shorter periods.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Groww_Dynamic_Term\" title=\"Should you BUY or HOLD Groww Dynamic Term?\">Should you BUY or HOLD Groww Dynamic Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/groww-dynamic-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b91,578.2867 as of 15 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b925 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.45%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>04 Dec 2018<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Kaustubh Sule, Wilfred Gonsalves<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Kaustubh Sule and Wilfred Gonsalves.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.27%<\/td>\n<td>-4.81%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.13%<\/td>\n<td>-3.63%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>3.35%<\/td>\n<td>-8.27%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>5.77%<\/td>\n<td>5.59%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>5.06%<\/td>\n<td>5.58%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent pattern is modest rather than forceful. Over 1 month and 3 months, the fund stayed positive while the benchmark was negative, which points to a smoother short-term path for the fund than the index.<\/p>\n<p>The 1-year figure is more important for the current story. A 3.35% return is positive, but it trails the 3-year and 5-year pace, so the latest year looks softer than the longer run. That usually matters for investors because it suggests the fund has not been compounding at the same speed recently as it did across the fuller cycle.<\/p>\n<p>Over 3 years, the fund\u2019s 5.77% return is marginally ahead of the benchmark\u2019s 5.59%, while over 5 years it is slightly behind the benchmark\u2019s 5.58%. That split tells us the fund has broadly tracked the benchmark over longer periods rather than separating decisively from it. In our view, the return path is consistent with a relatively stable debt scheme: less dramatic swings, limited downside in weak benchmark months, and moderate long-term compounding.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Groww_Dynamic_Term\"><\/span>Should you BUY or HOLD Groww Dynamic Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Groww Dynamic Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/groww-dynamic-term-fund-g-direct-plan\">Groww Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>3.35%<\/td>\n<td>5.77%<\/td>\n<td>5.06%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-dynamic-term-fund-g-direct-plan\">Bandhan Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.14%<\/td>\n<td>7.58%<\/td>\n<td>6.11%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-dynamic-term-fund-g-direct-plan\">Axis Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.52%<\/td>\n<td>7.48%<\/td>\n<td>6.24%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-dynamic-term-fund-g-direct-plan\">Kotak Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.38%<\/td>\n<td>7.77%<\/td>\n<td>6.57%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-dynamic-term-fund-g-direct-plan\">SBI Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.68%<\/td>\n<td>7.46%<\/td>\n<td>6.77%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/360-one-dynamic-term-fund-g-direct-plan\">360 ONE Dynamic Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.68%<\/td>\n<td>7.99%<\/td>\n<td>6.8%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>Against the peer set, the fund\u2019s 1-year return is clearly softer than the better recent numbers in the group, where several funds are above 5.5% and one is above 7%. The gap is smaller on longer horizons, but the fund still trails most of the available 3-year and 5-year figures.<\/p>\n<p>That said, the comparison is not one-sided. The fund\u2019s 3-year return is above its 1-year return trend, which suggests a steadier medium-term outcome than the latest year alone would imply. The 5-year figure remains lower than most peers with available data, so the longer view still indicates a more restrained compounding profile. Short-term and longer-term peer comparisons therefore point in the same direction: the fund has been more defensive than the stronger-returning peers, but also less rewarding on a pure return basis.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>7.71% GOI 18-May-2066<\/td>\n<td>Government Securities<\/td>\n<td>19.85%<\/td>\n<\/tr>\n<tr>\n<td>NABARD 18-Mar-2027#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>11.38%<\/td>\n<\/tr>\n<tr>\n<td>Sidbi 18-Feb-2027#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>11.05%<\/td>\n<\/tr>\n<tr>\n<td>TREPS 01-Sep-2026<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>10.97%<\/td>\n<\/tr>\n<tr>\n<td>Axis Bank Limited 14-Jan-2027**#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>10.74%<\/td>\n<\/tr>\n<tr>\n<td>Indian Bank 22-Jan-2027**#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>10.73%<\/td>\n<\/tr>\n<tr>\n<td>ICICI Bank Limited 08-Mar-2027**#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>10.64%<\/td>\n<\/tr>\n<tr>\n<td>7.725% Larsen &amp; Toubro Limited 28-Apr-2028**<\/td>\n<td>Corporate Debt<\/td>\n<td>3.95%<\/td>\n<\/tr>\n<tr>\n<td>7.35% Exim Bank 27-Jul-2028**<\/td>\n<td>Corporate Debt<\/td>\n<td>3.93%<\/td>\n<\/tr>\n<tr>\n<td>7.38% GOI Mat 20-Jun-2027<\/td>\n<td>Government Securities<\/td>\n<td>1.99%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 95.23% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/groww-dynamic-term-fund-g-direct-plan\">Groww Dynamic Term Fund Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding at 19.85% is a government security, so the scheme begins with a meaningful sovereign allocation rather than a pure cash-like position. The next six holdings are all clustered close together in the 10.64% to 11.38% band, which means the portfolio is anchored by a few large positions rather than a long, even spread.<\/p>\n<p>Weight then drops more sharply after the seventh line item. The eighth and ninth positions are below 4%, and the tenth is under 2%, so the tail beyond the core positions is much lighter. That shape may help contain volatility, but it also means the leading positions are likely to have greater influence on the portfolio\u2019s day-to-day behaviour.<\/p>\n<p>Because the visible holdings account for 95.23% across 10 disclosed rows out of 14 total holdings, the overall structure looks fairly concentrated at the top, with some remaining diversification in the smaller positions. In our view, that mix suits an investor who values steadier credit and government-backed exposure, but it does not offer the broad diversification profile of a more widely spread portfolio.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund may suit investors who are comfortable with a Medium Risk debt scheme and want a portfolio that has behaved more steadily than the benchmark in weaker short-term periods. The 1-year return is lower than the 3-year and 5-year figures, so investors should be prepared for a return pattern that can move around rather than follow a straight line.<\/p>\n<p>A longer holding period makes more sense here than a short one, because the 3-year and 5-year figures better reflect the fund\u2019s style than the latest year alone. The key trade-off is that the portfolio\u2019s relatively defensive structure may support stability, but it has not matched the stronger peer numbers on a sustained basis. Investors who want steady debt exposure and can accept moderate returns may find the profile relevant.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load: No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 15 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Groww Dynamic Term Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b91578.2867 as of 15 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The returns are 3.35% for 1 year, 5.77% for 3 years and 5.06% for 5 years.<\/p>\n<p><strong>How has the fund done against its benchmark?<\/strong><br \/>It has slightly outpaced the benchmark over 3 years, with 5.77% versus 5.59%, but it trails over 5 years at 5.06% versus 5.58%. In the shorter 1-month, 3-month and 1-year windows, it has held up better than the benchmark.<\/p>\n<p><strong>How does it compare with peer funds on returns?<\/strong><br \/>Its recent and longer-term returns are lower than several peer funds in the comparison set. The gap is especially visible in the 1-year numbers, while the 3-year and 5-year figures are still on the softer side relative to those peers.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is not stated here, so we are not listing one.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Kaustubh Sule and Wilfred Gonsalves. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Groww Dynamic Term Fund Direct Growth Plan looks like a steadier debt fund rather than a standout return-chaser. Its latest year is softer than its 3-year and 5-year history, and the peer comparison also shows that other funds have posted stronger numbers over the same horizons. The portfolio is anchored by a few large government and high-grade credit positions, which may support stability but also keeps the return profile measured. It may appeal to investors who want moderate debt exposure and are comfortable with a Medium Risk label.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 16 September 2026 at 9:29 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Groww Dynamic Term Fund Direct Growth Plan\",\"identifier\":\"groww-dynamic-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"04 Dec 2018\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":1578.2867,\"valueReference\":\"as of 15 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"25 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.45\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":3.35},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":5.77},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":5.06},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Kaustubh Sule, Wilfred Gonsalves\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Groww Dynamic Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b91578.2867 as of 15 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The returns are 3.35% for 1 year, 5.77% for 3 years and 5.06% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund done against its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has slightly outpaced the benchmark over 3 years, with 5.77% versus 5.59%, but it trails over 5 years at 5.06% versus 5.58%. In the shorter 1-month, 3-month and 1-year windows, it has held up better than the benchmark.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its recent and longer-term returns are lower than several peer funds in the comparison set. The gap is especially visible in the 1-year numbers, while the 3-year and 5-year figures are still on the softer side relative to those peers.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is not stated here, so we are not listing one.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Kaustubh Sule and Wilfred Gonsalves. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Groww Dynamic Term Fund Direct Growth Plan has a NAV of \u20b91578.2867 as of 15 Sep 2026, with 1Y\/3Y\/5Y returns of 3.35%, 5.77% and 5.06%.<\/p>\n","protected":false},"author":38,"featured_media":247760,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-247761","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["247760"],"rank_math_title":["Groww Dynamic Term Fund Review 2026: NAV &amp; Returns"],"rank_math_description":["Groww Dynamic Term Fund Direct Growth Plan NAV is \u20b91578.2867 as of 15 Sep 2026; 1Y return 3.35% and 5Y return 5.06%."],"rank_math_focus_keyword":["Groww Dynamic Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Groww_Dynamic_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/247761","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=247761"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/247761\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/247760"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=247761"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=247761"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=247761"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}