Should I invest in DSP Equity Savings Fund?

We don't give personal investment advice. DSP Equity Savings Fund - Direct Plan - Growth 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: 4.3%. 5-year CAGR: 8.54%.

DSP

DSP Equity Savings Fund - Direct Plan - Growth

Latest NAV

₹24.7380

As of

3 Jun 2026

2,509 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	-0.11%	+9.02%	-9.13	28 / 28	Q4
1W	-0.92%	+8.52%	-9.44	28 / 28	Q4
2W	-0.75%	+8.91%	-9.66	27 / 28	Q4
1M	-0.43%	+8.72%	-9.16	16 / 28	Q3
3M	-0.96%	+9.08%	-10.03	23 / 28	Q4
6M	-0.89%	+8.96%	-9.85	22 / 28	Q4
YTD	-1.27%	+8.58%	-9.85	21 / 28	Q3
1Y	+1.89%	+13.09%	-11.19	25 / 27	Q4
2Y	+6.62%	+9.64%	-3.02	8 / 25	Q2
3Y	+9.38%	+11.18%	-1.80	16 / 25	Q3
4Y	+9.30%	+10.46%	-1.16	14 / 23	Q3
5Y	+8.54%	+9.26%	-0.71	13 / 22	Q3
7Y	+9.08%	+8.67%	+0.41	10 / 20	Q2
10Y	+9.19%	+8.43%	+0.76	5 / 12	Q2
Inception	+9.25%	+9.17%	+0.08	13 / 28	Q2

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	-1.27%	-0.46%	-0.82	19 / 26
2025	+6.97%	+16.65%	-9.68	18 / 25
2024	+12.85%	+10.84%	+2.01	5 / 25
2023	+13.11%	+12.95%	+0.16	14 / 24
2022	+5.42%	+3.90%	+1.52	5 / 23
2021	+14.38%	+11.99%	+2.39	7 / 22
2020	+9.28%	+8.57%	+0.71	16 / 22
2019	+8.66%	+7.11%	+1.55	8 / 18
2018	+0.33%	+2.46%	-2.13	10 / 14
2017	+16.96%	+14.67%	+2.29	5 / 13
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

+9.64%

112 windows

min -11.6% · max 37.1%

94% positive

3-Year rolling

+9.43%

88 windows

min 0.1% · max 15.5%

100% positive

5-Year rolling

+9.96%

64 windows

min 7.6% · max 14.4%

100% positive

7-Year rolling

+9.44%

39 windows

min 8.5% · max 10.6%

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

3.89%

3-year · annualised

Sharpe ratio

0.66

vs risk-free 6.5%

Sortino ratio

1.68

Downside-only deviation

Max drawdown

-2.74%

Jan 2026 → Apr 2026

% positive months

77.8%

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
HDFC Equity Savings Fund - Growth Option - Direct Plan	HDFC	₹74.6780	3 Jun 2026
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Bonus Option	Nippon India	₹0.0000	3 Jun 2026
SBI Equity Savings Fund - Direct Plan - Growth	SBI	₹26.9209	3 Jun 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option	ICICI Prudential	₹24.6300	3 Jun 2026
Invesco India Equity Savings Fund - Direct Plan - Growth	Invesco	₹18.3233	3 Jun 2026
BANDHAN Equity Savings Fund-Direct Plan-Growth	Bandhan	₹35.5890	3 Jun 2026
quant Equity Savings Fund - Growth Option - Direct Plan	Quant	₹10.4797	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹25.3700	3 Jun 2026
Franklin India Equity Savings Fund- Growth Direct	Franklin India	₹18.3345	3 Jun 2026
Mirae Asset Equity Savings Fund- Direct Plan- Growth	Mirae Asset	₹22.3420	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹24.7380
2 Jun 2026	₹24.7430
1 Jun 2026	₹24.7710
29 May 2026	₹24.7910
27 May 2026	₹24.9240
26 May 2026	₹24.9720
25 May 2026	₹25.0120
22 May 2026	₹24.9070
21 May 2026	₹24.9170
20 May 2026	₹24.9010

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 03 Jun 2026, the NAV of DSP Equity Savings Fund - Direct Plan - Growth is ₹24.7380. It's a Equity Savings Fund from DSP, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

DSP Equity Savings Fund - Direct Plan - Growth has NAV history starting from 30 Mar 2016, a track record of about 10 years 2 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.

DSP Equity Savings Fund - Direct Plan - Growth is managed by DSP. 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, DSP Equity Savings Fund - Direct Plan - Growth has delivered a absolute return of 1.89% — -11.19 pp behind the Equity Savings Fund category average of 13.09%. The fund ranks #25 of 27 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Equity Savings Fund - Direct Plan - Growth has delivered a CAGR of 9.38% — -1.8 pp behind the Equity Savings Fund category average of 11.18%. The fund ranks #16 of 25 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Equity Savings Fund - Direct Plan - Growth has delivered a CAGR of 8.54% — -0.71 pp behind the Equity Savings Fund category average of 9.26%. The fund ranks #13 of 22 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Equity Savings Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹240,995 today — a multiplier of 2.41×, based on the 10-year CAGR of 9.19%. The category average over the same window would have grown ₹1 lakh to ₹224,642.

A ₹10,000 monthly SIP in DSP Equity Savings Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹731,998 today. That's an XIRR (money-weighted annualised return) of 7.88%.

A ₹10,000 monthly SIP for 10 years in DSP Equity Savings Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,904,036 (multiplier 1.59×). XIRR: 8.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, DSP Equity Savings Fund - Direct Plan - Growth ranks #13 out of 22 funds in the Equity Savings Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 9.26%; this fund delivered 8.54%.

The worst peak-to-trough decline DSP Equity Savings Fund - Direct Plan - Growth has experienced over the last 5-year window is 4.26% — its NAV fell from a high on 02 Feb 2022 to a low on 20 Jun 2022. 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, DSP Equity Savings Fund - Direct Plan - Growth averaged 9.96% (best 14.41%, worst 7.64%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.44 — weak risk-adjusted performance.

In calendar year 2025, DSP Equity Savings Fund - Direct Plan - Growth returned 6.97% — lagging the Equity Savings Fund category average of 16.65% by 9.68 pp. It ranked #18 of 25 in its category that year.

DSP Equity Savings Fund - Direct Plan - Growth 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. DSP Equity Savings Fund - Direct Plan - Growth 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: 4.3%. 5-year CAGR: 8.54%.

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

DSP Equity Savings Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Equity Savings Fund

Recent NAVs

Frequently asked questions

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