Should I invest in DSP Equity Savings Fund?

We don't give personal investment advice. DSP Equity Savings Fund - Direct Plan - IDCW - Quarterly 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: 7.5%. 5-year CAGR: 3.17%.

DSP

DSP Equity Savings Fund - Direct Plan - IDCW - Quarterly

Latest NAV

₹17.2420

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%	+0.13%	+0.05	27 / 49	Q3
1W	+0.09%	+0.17%	-0.09	28 / 49	Q3
2W	+0.05%	+0.27%	-0.22	43 / 49	Q4
1M	-0.30%	+0.53%	-0.83	41 / 48	Q4
3M	+0.30%	+1.21%	-0.90	38 / 48	Q4
6M	-1.21%	+0.35%	-1.56	34 / 48	Q3
YTD	-1.29%	-0.31%	-0.98	34 / 48	Q3
1Y	-1.56%	+1.63%	-3.19	34 / 48	Q3
2Y	+0.82%	+2.39%	-1.57	30 / 47	Q3
3Y	+3.99%	+5.05%	-1.06	28 / 45	Q3
4Y	+4.31%	+5.30%	-0.99	21 / 40	Q3
5Y	+3.17%	+4.35%	-1.17	22 / 39	Q3
7Y	+5.41%	+5.64%	-0.23	17 / 38	Q2
10Y	+5.02%	+4.02%	+1.00	7 / 21	Q2
Inception	+5.38%	+5.34%	+0.04	22 / 47	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	-1.29%	-0.62%	-0.67	29 / 43
2025	+1.93%	+2.35%	-0.41	22 / 42
2024	+7.40%	+8.05%	-0.64	26 / 42
2023	+7.56%	+9.20%	-1.64	23 / 40
2022	+0.17%	+0.46%	-0.30	20 / 40
2021	+8.59%	+9.45%	-0.87	22 / 40
2020	+9.27%	+7.78%	+1.49	21 / 40
2019	+3.87%	+4.12%	-0.25	22 / 37
2018	-1.98%	-1.89%	-0.09	15 / 28
2017	+14.53%	+9.85%	+4.68	5 / 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%

114 windows

min -11.5% · max 29.6%

77% positive

3-Year rolling

+5.51%

90 windows

min -1.6% · max 12.0%

97% positive

5-Year rolling

+5.93%

65 windows

min 3.2% · max 10.8%

100% positive

7-Year rolling

+5.43%

41 windows

min 4.8% · max 6.1%

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

3.80%

3-year · annualised

Sharpe ratio

-0.65

vs risk-free 6.5%

Sortino ratio

-1.28

Downside-only deviation

Max drawdown

-4.93%

Sep 2024 → Apr 2026

% 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	₹15.0960	17 Jul 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.0945	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.7100	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.8261	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.3190	17 Jul 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.9221	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4800	17 Jul 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹15.2612	17 Jul 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.7290	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹17.2420
16 Jul 2026	₹17.2110
15 Jul 2026	₹17.2330
14 Jul 2026	₹17.1990
13 Jul 2026	₹17.2400
10 Jul 2026	₹17.2270
9 Jul 2026	₹17.1710
8 Jul 2026	₹17.1580
7 Jul 2026	₹17.2780
6 Jul 2026	₹17.2730

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 - IDCW - Quarterly is ₹17.2420. 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 - Quarterly 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 - IDCW - Quarterly 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 - Quarterly has delivered a absolute return of -1.56% — -3.19 pp behind the Equity Savings Fund category average of 1.63%. The fund ranks #34 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DSP Equity Savings Fund - Direct Plan - IDCW - Quarterly has delivered a CAGR of 3.99% — -1.06 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #28 of 45 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Equity Savings Fund - Direct Plan - IDCW - Quarterly has delivered a CAGR of 3.17% — -1.17 pp behind the Equity Savings Fund category average of 4.35%. The fund ranks #22 of 39 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Equity Savings Fund - Direct Plan - IDCW - Quarterly exactly 10 years ago would be worth approximately ₹163,230 today — a multiplier of 1.63×, based on the 10-year CAGR of 5.02%. The category average over the same window would have grown ₹1 lakh to ₹148,305.

A ₹10,000 monthly SIP in DSP Equity Savings Fund - Direct Plan - IDCW - Quarterly over the last 5 years — total invested ₹600,000 — would be worth ₹647,123 today. That's an XIRR (money-weighted annualised return) of 2.98%.

A ₹10,000 monthly SIP for 10 years in DSP Equity Savings Fund - Direct Plan - IDCW - Quarterly = ₹1,200,000 invested. It would currently be worth ₹1,509,266 (multiplier 1.26×). XIRR: 4.49%. 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 - Quarterly ranks #22 out of 39 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 4.35%; this fund delivered 3.17%.

The worst peak-to-trough decline DSP Equity Savings Fund - Direct Plan - IDCW - Quarterly has experienced over the last 5-year window is 7.46% — its NAV fell from a high on 24 Sep 2021 to a low on 29 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 - Quarterly averaged 5.93% (best 10.79%, worst 3.17%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.76 — negative risk-adjusted performance.

In calendar year 2025, DSP Equity Savings Fund - Direct Plan - IDCW - Quarterly returned 1.93% — lagging the Equity Savings Fund category average of 2.35% by 0.41 pp. It ranked #22 of 42 in its category that year.

DSP Equity Savings Fund - Direct Plan - IDCW - Quarterly 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 - Quarterly 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: 7.5%. 5-year CAGR: 3.17%.

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