Should I invest in DSP Equity Savings Fund?

We don't give personal investment advice. DSP Equity Savings Fund - Direct Plan - 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: 19.0%. 5-year CAGR: -0.08%.

DSP

DSP Equity Savings Fund - Direct Plan - IDCW

Latest NAV

₹13.4280

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	-0.12%	+7.25%	-7.37	47 / 52	Q4
1W	-0.92%	+6.89%	-7.82	51 / 52	Q4
2W	-0.75%	+7.13%	-7.89	48 / 52	Q4
1M	-0.44%	+7.13%	-7.57	28 / 51	Q3
3M	-0.96%	+6.63%	-7.59	27 / 51	Q3
6M	-6.40%	+6.00%	-12.40	46 / 51	Q4
YTD	-6.76%	+5.72%	-12.48	46 / 51	Q4
1Y	-3.77%	+8.33%	-12.10	45 / 50	Q4
2Y	+0.30%	+5.55%	-5.25	36 / 50	Q3
3Y	+2.93%	+6.83%	-3.91	35 / 48	Q3
4Y	+1.37%	+6.12%	-4.75	37 / 43	Q4
5Y	-0.08%	+5.24%	-5.32	40 / 42	Q4
7Y	+2.26%	+5.14%	-2.87	33 / 38	Q4
10Y	+2.72%	+4.13%	-1.41	15 / 20	Q3
Inception	+2.89%	+5.77%	-2.88	39 / 50	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	-6.76%	-2.29%	-4.47	38 / 43
2025	+0.24%	+10.59%	-10.35	34 / 45
2024	+6.27%	+7.51%	-1.24	29 / 45
2023	+0.40%	+8.56%	-8.16	40 / 43
2022	-5.80%	+0.43%	-6.24	39 / 43
2021	+10.19%	+8.79%	+1.40	16 / 43
2020	+9.24%	+7.24%	+2.00	22 / 43
2019	+3.45%	+4.12%	-0.66	25 / 37
2018	-5.53%	-1.89%	-3.64	22 / 28
2017	+11.21%	+9.85%	+1.36	11 / 25
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

+3.14%

112 windows

min -11.6% · max 32.0%

58% positive

3-Year rolling

+2.78%

88 windows

min -3.5% · max 9.4%

85% positive

5-Year rolling

+3.39%

64 windows

min -0.1% · max 5.8%

98% positive

7-Year rolling

+2.73%

39 windows

min 1.6% · max 3.8%

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

7.27%

3-year · annualised

Sharpe ratio

-0.46

vs risk-free 6.5%

Sortino ratio

-0.57

Downside-only deviation

Max drawdown

-8.42%

Sep 2024 → Apr 2026

% positive months

72.2%

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 - IDCW Option - Direct Plan	HDFC	₹14.9190	3 Jun 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹24.6420	3 Jun 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.5800	3 Jun 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.2438	3 Jun 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.2530	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.4579	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4200	3 Jun 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹14.9660	3 Jun 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.3610	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.4280
2 Jun 2026	₹13.4300
1 Jun 2026	₹13.4460
29 May 2026	₹13.4560
27 May 2026	₹13.5290
26 May 2026	₹13.5550
25 May 2026	₹13.5760
22 May 2026	₹13.5190
21 May 2026	₹13.5250
20 May 2026	₹13.5160

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 - IDCW is ₹13.4280. It's a Equity Savings Fund from DSP, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Equity Savings Fund - Direct Plan - IDCW 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 - IDCW 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 - IDCW has delivered a absolute return of -3.77% — -12.1 pp behind the Equity Savings Fund category average of 8.33%. The fund ranks #45 of 50 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Equity Savings Fund - Direct Plan - IDCW has delivered a CAGR of 2.93% — -3.91 pp behind the Equity Savings Fund category average of 6.83%. The fund ranks #35 of 48 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Equity Savings Fund - Direct Plan - IDCW has delivered a CAGR of -0.08% — -5.32 pp behind the Equity Savings Fund category average of 5.24%. The fund ranks #40 of 42 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DSP Equity Savings Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹130,807 today — a multiplier of 1.31×, based on the 10-year CAGR of 2.72%. The category average over the same window would have grown ₹1 lakh to ₹149,851.

A ₹10,000 monthly SIP in DSP Equity Savings Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹596,173 today. That's an XIRR (money-weighted annualised return) of -0.25%.

A ₹10,000 monthly SIP for 10 years in DSP Equity Savings Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,298,505 (multiplier 1.08×). XIRR: 1.56%. 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 - IDCW ranks #40 out of 42 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 5.24%; this fund delivered -0.08%.

The worst peak-to-trough decline DSP Equity Savings Fund - Direct Plan - IDCW has experienced over the last 5-year window is 19.02% — its NAV fell from a high on 02 Feb 2022 to a low on 29 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, DSP Equity Savings Fund - Direct Plan - IDCW averaged 3.39% (best 5.80%, worst -0.08%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is -0.74 — negative risk-adjusted performance.

In calendar year 2025, DSP Equity Savings Fund - Direct Plan - IDCW returned 0.24% — lagging the Equity Savings Fund category average of 10.59% by 10.35 pp. It ranked #34 of 45 in its category that year.

DSP Equity Savings Fund - Direct Plan - 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. DSP Equity Savings Fund - Direct Plan - 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: 19.0%. 5-year CAGR: -0.08%.

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