Should I invest in Axis Equity Savings Fund - Monthly IDCW?

We don't give personal investment advice. Axis Equity Savings Fund - Regular Plan - Monthly IDCW is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.3%. 5-year CAGR: -1.71%.

Axis

Axis Equity Savings Fund - Regular Plan - Monthly IDCW

Latest NAV

₹11.2100

As of

17 Jul 2026

2,692 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.27%	+0.14%	+0.13	7 / 31	Q1
1W	+0.27%	+0.10%	+0.16	4 / 31	Q1
2W	+0.45%	+0.20%	+0.25	3 / 31	Q1
1M	+0.63%	+0.34%	+0.29	13 / 31	Q2
3M	+0.27%	+1.10%	-0.83	20 / 31	Q3
6M	-2.94%	-0.11%	-2.83	26 / 31	Q4
YTD	-3.53%	-0.61%	-2.92	26 / 31	Q4
1Y	-5.16%	+0.95%	-6.11	31 / 31	Q4
2Y	-4.84%	+1.43%	-6.28	29 / 29	Q4
3Y	-0.70%	+4.61%	-5.32	28 / 28	Q4
4Y	-0.29%	+4.95%	-5.24	24 / 24	Q4
5Y	-1.71%	+3.70%	-5.41	24 / 24	Q4
7Y	+0.82%	+5.16%	-4.35	23 / 24	Q4
10Y	+0.75%	+3.30%	-2.54	12 / 12	Q4
Inception	+1.03%	+4.99%	-3.96	31 / 31	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-3.53%	-1.12%	-2.41	24 / 29
2025	-4.14%	+1.74%	-5.88	25 / 27
2024	+1.86%	+7.43%	-5.58	22 / 28
2023	+4.50%	+8.86%	-4.37	20 / 26
2022	-9.00%	-1.13%	-7.87	24 / 24
2021	+5.51%	+8.85%	-3.34	22 / 25
2020	+10.10%	+9.17%	+0.94	10 / 25
2019	+0.85%	+4.21%	-3.36	19 / 23
2018	-1.67%	-2.76%	+1.08	5 / 16
2017	+7.60%	+8.69%	-1.09	10 / 14
2016	-0.80%	+3.35%	-4.15	8 / 8

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+1.67%

121 windows

min -13.2% · max 23.2%

55% positive

3-Year rolling

+1.63%

97 windows

min -3.9% · max 7.0%

78% positive

5-Year rolling

+2.03%

73 windows

min -1.7% · max 5.0%

90% positive

7-Year rolling

+1.54%

48 windows

min 0.2% · max 2.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

4.94%

3-year · annualised

Sharpe ratio

-1.43

vs risk-free 6.5%

Sortino ratio

-1.90

Downside-only deviation

Max drawdown

-14.48%

Sep 2024 → Mar 2026

% positive months

44.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Equity Savings Fund

Scheme	Fund house	NAV	As of
SBI Equity Savings Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.9210	17 Jul 2026
Invesco India Equity Savings Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹16.7130	17 Jul 2026
BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW	Bandhan	₹12.5650	17 Jul 2026
quant Equity Savings Fund - IDCW Option - Regular Plan	Quant	₹10.7655	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.0900	17 Jul 2026
Mirae Asset Equity Savings Fund Regular IDCW	Mirae Asset	₹12.5660	17 Jul 2026
Kotak Equity Savings Fund - Regular - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹20.0642	17 Jul 2026
Edelweiss Equity Savings Fund - Regular Plan - IDCW Option	Edelweiss	₹18.3493	17 Jul 2026
DSP Equity Savings Fund - Regular Plan - IDCW	DSP	₹12.1960	17 Jul 2026
HSBC Equity Savings Fund - Regular Monthly IDCW	HSBC	₹15.5352	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.2100
16 Jul 2026	₹11.1800
15 Jul 2026	₹11.1800
14 Jul 2026	₹11.1500
13 Jul 2026	₹11.1800
10 Jul 2026	₹11.1800
9 Jul 2026	₹11.1300
8 Jul 2026	₹11.1000
7 Jul 2026	₹11.1800
6 Jul 2026	₹11.1900

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Axis Equity Savings Fund - Regular Plan - Monthly IDCW is ₹11.2100. It's a Equity Savings Fund from Axis, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Axis Equity Savings Fund - Regular Plan - Monthly IDCW has NAV history starting from 20 Aug 2015, a track record of about 10 years 10 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Axis Equity Savings Fund - Regular Plan - Monthly IDCW is managed by Axis. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Axis Equity Savings Fund - Regular Plan - Monthly IDCW has delivered a absolute return of -5.16% — -6.11 pp behind the Equity Savings Fund category average of 0.95%. The fund ranks #31 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Axis Equity Savings Fund - Regular Plan - Monthly IDCW has delivered a CAGR of -0.70% — -5.32 pp behind the Equity Savings Fund category average of 4.61%. The fund ranks #28 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Axis Equity Savings Fund - Regular Plan - Monthly IDCW has delivered a CAGR of -1.71% — -5.41 pp behind the Equity Savings Fund category average of 3.70%. The fund ranks #24 of 24 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Axis Equity Savings Fund - Regular Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹107,788 today — a multiplier of 1.08×, based on the 10-year CAGR of 0.75%. The category average over the same window would have grown ₹1 lakh to ₹138,297.

A ₹10,000 monthly SIP in Axis Equity Savings Fund - Regular Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹572,482 today. That's an XIRR (money-weighted annualised return) of -1.84%.

A ₹10,000 monthly SIP for 10 years in Axis Equity Savings Fund - Regular Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,202,357 (multiplier 1.00×). XIRR: 0.04%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Axis Equity Savings Fund - Regular Plan - Monthly IDCW ranks #24 out of 24 funds in the Equity Savings Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.70%; this fund delivered -1.71%.

The worst peak-to-trough decline Axis Equity Savings Fund - Regular Plan - Monthly IDCW has experienced over the last 5-year window is 16.29% — its NAV fell from a high on 18 Oct 2021 to a low on 28 Mar 2023. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Axis Equity Savings Fund - Regular Plan - Monthly IDCW averaged 2.03% (best 4.98%, worst -1.71%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is -1.30 — negative risk-adjusted performance.

In calendar year 2025, Axis Equity Savings Fund - Regular Plan - Monthly IDCW returned -4.14% — lagging the Equity Savings Fund category average of 1.74% by 5.88 pp. It ranked #25 of 27 in its category that year.

Axis Equity Savings Fund - Regular Plan - Monthly IDCW is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Axis Equity Savings Fund - Regular Plan - Monthly IDCW is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.3%. 5-year CAGR: -1.71%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.