Should I invest in DSP Equity Savings Fund?

We don't give personal investment advice. DSP Equity Savings Fund - Direct Plan - IDCW - Monthly 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: 7.1%. 5-year CAGR: 3.30%.

DSP

DSP Equity Savings Fund - Direct Plan - IDCW - Monthly

Latest NAV

₹17.0560

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%	+7.25%	-7.36	45 / 52	Q4
1W	-1.31%	+6.89%	-8.20	52 / 52	Q4
2W	-1.14%	+7.13%	-8.28	51 / 52	Q4
1M	-0.83%	+7.13%	-7.96	45 / 51	Q4
3M	-2.12%	+6.63%	-8.75	42 / 51	Q4
6M	-3.22%	+6.00%	-9.22	38 / 51	Q3
YTD	-3.21%	+5.72%	-8.93	40 / 51	Q4
1Y	-2.85%	+8.33%	-11.18	39 / 50	Q4
2Y	+1.61%	+5.55%	-3.95	31 / 50	Q3
3Y	+4.18%	+6.83%	-2.65	30 / 48	Q3
4Y	+4.06%	+6.12%	-2.05	23 / 43	Q3
5Y	+3.30%	+5.24%	-1.95	23 / 42	Q3
7Y	+4.83%	+5.14%	-0.30	17 / 38	Q2
10Y	+5.21%	+4.13%	+1.08	5 / 20	Q1
Inception	+5.33%	+5.77%	-0.44	22 / 50	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	-3.21%	-2.29%	-0.92	32 / 43
2025	+1.94%	+10.59%	-8.65	23 / 45
2024	+7.45%	+7.51%	-0.05	25 / 45
2023	+7.61%	+8.56%	-0.95	21 / 43
2022	+0.20%	+0.43%	-0.24	19 / 43
2021	+10.98%	+8.79%	+2.19	15 / 43
2020	+8.18%	+7.24%	+0.94	25 / 43
2019	+4.90%	+4.12%	+0.78	19 / 37
2018	-0.84%	-1.89%	+1.05	11 / 28
2017	+12.97%	+9.85%	+3.12	7 / 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

+5.79%

112 windows

min -15.1% · max 37.1%

79% positive

3-Year rolling

+5.72%

88 windows

min -2.5% · max 11.8%

98% positive

5-Year rolling

+6.34%

64 windows

min 3.3% · max 10.0%

100% positive

7-Year rolling

+5.72%

39 windows

min 4.8% · max 6.5%

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

3.87%

3-year · annualised

Sharpe ratio

-0.60

vs risk-free 6.5%

Sortino ratio

-1.10

Downside-only deviation

Max drawdown

-4.26%

Sep 2024 → Mar 2025

% positive months

58.3%

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	₹17.0560
2 Jun 2026	₹17.0590
1 Jun 2026	₹17.0780
29 May 2026	₹17.0920
27 May 2026	₹17.2520
26 May 2026	₹17.2850
25 May 2026	₹17.3130
22 May 2026	₹17.2400
21 May 2026	₹17.2470
20 May 2026	₹17.2360

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 - Monthly is ₹17.0560. 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 - Monthly 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 - Monthly 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 - Monthly has delivered a absolute return of -2.85% — -11.18 pp behind the Equity Savings Fund category average of 8.33%. The fund ranks #39 of 50 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Equity Savings Fund - Direct Plan - IDCW - Monthly has delivered a CAGR of 4.18% — -2.65 pp behind the Equity Savings Fund category average of 6.83%. The fund ranks #30 of 48 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Equity Savings Fund - Direct Plan - IDCW - Monthly has delivered a CAGR of 3.30% — -1.95 pp behind the Equity Savings Fund category average of 5.24%. The fund ranks #23 of 42 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Equity Savings Fund - Direct Plan - IDCW - Monthly exactly 10 years ago would be worth approximately ₹166,153 today — a multiplier of 1.66×, based on the 10-year CAGR of 5.21%. 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 - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹641,949 today. That's an XIRR (money-weighted annualised return) of 2.66%.

A ₹10,000 monthly SIP for 10 years in DSP Equity Savings Fund - Direct Plan - IDCW - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,514,845 (multiplier 1.26×). XIRR: 4.56%. 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 - Monthly ranks #23 out of 42 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 5.24%; this fund delivered 3.30%.

The worst peak-to-trough decline DSP Equity Savings Fund - Direct Plan - IDCW - Monthly has experienced over the last 5-year window is 7.10% — its NAV fell from a high on 24 Sep 2021 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 - IDCW - Monthly averaged 6.34% (best 10.01%, worst 3.30%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.73 — negative risk-adjusted performance.

In calendar year 2025, DSP Equity Savings Fund - Direct Plan - IDCW - Monthly returned 1.94% — lagging the Equity Savings Fund category average of 10.59% by 8.65 pp. It ranked #23 of 45 in its category that year.

DSP Equity Savings Fund - Direct Plan - IDCW - Monthly 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 - Monthly 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: 7.1%. 5-year CAGR: 3.30%.

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