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: 8.43%.

DSP

DSP Equity Savings Fund - Direct Plan - Growth

Latest NAV

₹25.3240

As of

17 Jul 2026

2,540 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	+0.18%	+0.17%	+0.01	16 / 26	Q3
1W	+0.09%	+0.14%	-0.06	14 / 26	Q3
2W	+0.06%	+0.29%	-0.24	24 / 26	Q4
1M	+0.86%	+1.05%	-0.19	17 / 26	Q3
3M	+1.47%	+1.89%	-0.42	15 / 26	Q3
6M	+1.13%	+2.19%	-1.06	19 / 26	Q3
YTD	+1.05%	+1.79%	-0.74	16 / 26	Q3
1Y	+3.22%	+5.05%	-1.83	22 / 26	Q4
2Y	+5.79%	+5.82%	-0.02	10 / 23	Q2
3Y	+9.17%	+9.26%	-0.10	14 / 23	Q3
4Y	+9.58%	+9.82%	-0.24	12 / 21	Q3
5Y	+8.43%	+8.54%	-0.11	11 / 20	Q3
7Y	+9.86%	+9.20%	+0.66	9 / 20	Q2
10Y	+9.14%	+8.38%	+0.76	6 / 12	Q2
Inception	+9.38%	+9.04%	+0.34	12 / 26	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	+1.05%	+1.79%	-0.74	16 / 26
2025	+6.97%	+7.14%	-0.17	16 / 23
2024	+12.85%	+11.78%	+1.07	5 / 23
2023	+13.11%	+14.13%	-1.02	14 / 22
2022	+5.42%	+4.27%	+1.15	5 / 21
2021	+14.38%	+13.19%	+1.19	7 / 20
2020	+9.28%	+9.43%	-0.15	16 / 20
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

+9.73%

114 windows

min -8.3% · max 31.3%

92% positive

3-Year rolling

+9.57%

90 windows

min 1.4% · max 16.4%

100% positive

5-Year rolling

+9.96%

65 windows

min 7.6% · max 15.4%

100% positive

7-Year rolling

+9.47%

41 windows

min 8.4% · 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

3.38%

3-year · annualised

Sharpe ratio

0.71

vs risk-free 6.5%

Sortino ratio

2.59

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	₹76.6750	17 Jul 2026
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Bonus Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Growth	SBI	₹27.4155	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option	ICICI Prudential	₹25.1200	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - Growth	Invesco	₹18.8819	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan-Growth	Bandhan	₹36.3120	17 Jul 2026
quant Equity Savings Fund - Growth Option - Direct Plan	Quant	₹10.9493	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹25.9200	17 Jul 2026
Franklin India Equity Savings Fund- Growth Direct	Franklin India	₹18.6962	17 Jul 2026
Mirae Asset Equity Savings Fund- Direct Plan- Growth	Mirae Asset	₹22.9570	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹25.3240
16 Jul 2026	₹25.2790
15 Jul 2026	₹25.3100
14 Jul 2026	₹25.2600
13 Jul 2026	₹25.3220
10 Jul 2026	₹25.3020
9 Jul 2026	₹25.2200
8 Jul 2026	₹25.2010
7 Jul 2026	₹25.3780
6 Jul 2026	₹25.3700

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 DSP Equity Savings Fund - Direct Plan - Growth is ₹25.3240. 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 3 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 3.22% — -1.83 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #22 of 26 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 9.17% — -0.1 pp behind the Equity Savings Fund category average of 9.26%. The fund ranks #14 of 23 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 8.43% — -0.11 pp behind the Equity Savings Fund category average of 8.54%. The fund ranks #11 of 20 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 ₹239,742 today — a multiplier of 2.40×, based on the 10-year CAGR of 9.14%. The category average over the same window would have grown ₹1 lakh to ₹223,583.

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 ₹741,032 today. That's an XIRR (money-weighted annualised return) of 8.37%.

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 ₹1,928,528 (multiplier 1.61×). XIRR: 9.17%. 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 #11 out of 20 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 8.54%; this fund delivered 8.43%.

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 15.38%, worst 7.56%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.39 — 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 7.14% by 0.17 pp. It ranked #16 of 23 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: 8.43%.

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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