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

We don't give personal investment advice. Axis Equity Savings Fund - Regular Plan - Regular 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: 20.4%. 5-year CAGR: -1.65%.

Axis

Axis Equity Savings Fund - Regular Plan - Regular IDCW

Latest NAV

₹12.2100

As of

17 Jul 2026

2,479 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	+0.25%	+0.14%	+0.11	10 / 31	Q2
1W	+0.25%	+0.10%	+0.14	8 / 31	Q2
2W	+0.41%	+0.20%	+0.21	5 / 31	Q1
1M	+1.41%	+0.34%	+1.07	2 / 31	Q1
3M	+2.69%	+1.10%	+1.59	3 / 31	Q1
6M	-6.37%	-0.11%	-6.25	30 / 31	Q4
YTD	-6.94%	-0.61%	-6.32	31 / 31	Q4
1Y	-4.16%	+0.95%	-5.11	28 / 31	Q4
2Y	-4.15%	+1.43%	-5.58	27 / 29	Q4
3Y	-0.49%	+4.61%	-5.10	27 / 28	Q4
4Y	-0.12%	+4.95%	-5.08	23 / 24	Q4
5Y	-1.65%	+3.70%	-5.35	23 / 24	Q4
7Y	-0.32%	+5.16%	-5.49	24 / 24	Q4
10Y	+1.93%	+3.30%	-1.37	8 / 12	Q3
Inception	+2.02%	+4.99%	-2.97	27 / 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	-6.94%	-1.12%	-5.82	29 / 29
2025	-3.61%	+1.74%	-5.35	23 / 27
2024	+1.42%	+7.43%	-6.01	23 / 28
2023	+3.73%	+8.86%	-5.13	25 / 26
2022	-8.55%	-1.13%	-7.41	22 / 24
2021	+5.56%	+8.85%	-3.29	21 / 25
2020	+1.76%	+9.17%	-7.41	25 / 25
2019	+8.21%	+4.21%	+4.00	5 / 23
2018	+5.42%	-2.76%	+8.18	1 / 16
2017	+14.30%	+8.69%	+5.61	2 / 14
2016	—	—	—	—

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

+2.61%

111 windows

min -16.0% · max 23.2%

57% positive

3-Year rolling

+1.92%

86 windows

min -3.4% · max 9.6%

72% positive

5-Year rolling

+1.86%

62 windows

min -2.9% · max 7.2%

85% positive

7-Year rolling

+1.81%

38 windows

min -1.0% · max 4.3%

87% 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

9.26%

3-year · annualised

Sharpe ratio

-0.70

vs risk-free 6.5%

Sortino ratio

-0.82

Downside-only deviation

Max drawdown

-16.73%

Sep 2024 → Mar 2026

% positive months

61.1%

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	₹12.2100
16 Jul 2026	₹12.1800
15 Jul 2026	₹12.1800
14 Jul 2026	₹12.1500
13 Jul 2026	₹12.1800
10 Jul 2026	₹12.1800
9 Jul 2026	₹12.1200
8 Jul 2026	₹12.0900
7 Jul 2026	₹12.1800
6 Jul 2026	₹12.1900

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 - Regular IDCW is ₹12.2100. 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 - Regular IDCW has NAV history starting from 05 Jul 2016, a track record of about 10 years. 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 - Regular 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 - Regular IDCW has delivered a absolute return of -4.16% — -5.11 pp behind the Equity Savings Fund category average of 0.95%. The fund ranks #28 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Axis Equity Savings Fund - Regular Plan - Regular IDCW has delivered a CAGR of -0.49% — -5.1 pp behind the Equity Savings Fund category average of 4.61%. The fund ranks #27 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Axis Equity Savings Fund - Regular Plan - Regular IDCW has delivered a CAGR of -1.65% — -5.35 pp behind the Equity Savings Fund category average of 3.70%. The fund ranks #23 of 24 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Axis Equity Savings Fund - Regular Plan - Regular IDCW exactly 10 years ago would be worth approximately ₹121,011 today — a multiplier of 1.21×, based on the 10-year CAGR of 1.93%. 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 - Regular IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹570,454 today. That's an XIRR (money-weighted annualised return) of -1.98%.

A ₹10,000 monthly SIP for 10 years in Axis Equity Savings Fund - Regular Plan - Regular IDCW = ₹1,200,000 invested. It would currently be worth ₹1,198,338 (multiplier 1.00×). XIRR: -0.03%. 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 - Regular IDCW ranks #23 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 -1.65%.

The worst peak-to-trough decline Axis Equity Savings Fund - Regular Plan - Regular IDCW has experienced over the last 5-year window is 20.36% — its NAV fell from a high on 17 Jan 2022 to a low on 15 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 - Regular IDCW averaged 1.86% (best 7.19%, worst -2.94%). 85% of rolling windows ended positive. The 5-year Sharpe ratio is -0.69 — negative risk-adjusted performance.

In calendar year 2025, Axis Equity Savings Fund - Regular Plan - Regular IDCW returned -3.61% — lagging the Equity Savings Fund category average of 1.74% by 5.35 pp. It ranked #23 of 27 in its category that year.

Axis Equity Savings Fund - Regular Plan - Regular 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 - Regular 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: 20.4%. 5-year CAGR: -1.65%.

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