Should I invest in DSP Equity Savings Fund?

We don't give personal investment advice. DSP Equity Savings Fund - Regular 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: 4.6%. 5-year CAGR: 7.54%.

DSP

DSP Equity Savings Fund - Regular Plan - Growth

Latest NAV

₹21.9000

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%	+0.01%	-0.13	17 / 17	Q4
1W	-0.93%	-0.57%	-0.36	17 / 17	Q4
2W	-0.78%	-0.10%	-0.68	16 / 17	Q4
1M	-0.50%	-0.33%	-0.17	9 / 17	Q3
3M	-1.16%	+0.25%	-1.41	16 / 17	Q4
6M	-1.31%	-0.36%	-0.95	13 / 17	Q4
YTD	-1.62%	-0.55%	-1.06	14 / 17	Q4
1Y	+1.02%	+3.35%	-2.33	15 / 16	Q4
2Y	+5.70%	+5.32%	+0.37	5 / 14	Q2
3Y	+8.45%	+8.99%	-0.54	10 / 14	Q3
4Y	+8.37%	+8.75%	-0.38	8 / 12	Q3
5Y	+7.54%	+7.68%	-0.14	7 / 12	Q3
7Y	+7.89%	+8.38%	-0.49	8 / 12	Q3
10Y	+7.89%	+8.27%	-0.38	4 / 5	Q4
Inception	+7.95%	+7.88%	+0.07	10 / 17	Q3

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	-1.62%	-0.55%	-1.06	14 / 17
2025	+6.03%	+5.91%	+0.12	9 / 14
2024	+11.88%	+11.76%	+0.12	4 / 14
2023	+12.15%	+14.19%	-2.04	11 / 13
2022	+4.55%	+2.56%	+1.99	3 / 12
2021	+12.67%	+12.08%	+0.59	5 / 12
2020	+7.62%	+11.06%	-3.44	12 / 12
2019	+7.03%	+7.86%	-0.84	8 / 10
2018	-1.23%	+1.07%	-2.29	5 / 7
2017	+15.23%	+14.84%	+0.39	2 / 6
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

+8.31%

112 windows

min -12.9% · max 35.0%

90% positive

3-Year rolling

+8.08%

88 windows

min -1.5% · max 14.1%

99% positive

5-Year rolling

+8.58%

64 windows

min 6.1% · max 13.2%

100% positive

7-Year rolling

+8.09%

39 windows

min 7.1% · max 9.3%

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

0.44

vs risk-free 6.5%

Sortino ratio

1.06

Downside-only deviation

Max drawdown

-2.93%

Jan 2026 → Apr 2026

% positive months

75.0%

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
SBI Equity Savings Fund - Regular Plan - Growth	SBI	₹24.2934	3 Jun 2026
Invesco India Equity Savings Fund - Regular Plan - Growth	Invesco	₹16.2486	3 Jun 2026
quant Equity Savings Fund - Growth Option - Regular Plan	Quant	₹10.3257	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹22.7900	3 Jun 2026
Mirae Asset Equity Savings Fund- Regular Plan- Growth	Mirae Asset	₹20.6870	3 Jun 2026
Kotak Equity Savings Fund - Regular - Growth	Kotak	₹26.8722	3 Jun 2026
Edelweiss Equity Savings Fund - Regular Plan - Growth Option	Edelweiss	₹26.3259	3 Jun 2026
HSBC Equity Savings Fund - Regular Growth	HSBC	₹35.9580	3 Jun 2026
Baroda BNP Paribas Equity Savings Fund - Regular Plan - Growth	Baroda BNP Paribas	₹16.8998	3 Jun 2026
UTI Equity Savings Fund - Regular Plan - Growth Option	UTI	₹18.5504	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹21.9000
2 Jun 2026	₹21.9050
1 Jun 2026	₹21.9300
29 May 2026	₹21.9490
27 May 2026	₹22.0680
26 May 2026	₹22.1110
25 May 2026	₹22.1470
22 May 2026	₹22.0550
21 May 2026	₹22.0650
20 May 2026	₹22.0510

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 - Regular Plan - Growth is ₹21.9000. It's a Equity Savings Fund from DSP, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

DSP Equity Savings Fund - Regular 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 - Regular 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 - Regular Plan - Growth has delivered a absolute return of 1.02% — -2.33 pp behind the Equity Savings Fund category average of 3.35%. The fund ranks #15 of 16 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Equity Savings Fund - Regular Plan - Growth has delivered a CAGR of 8.45% — -0.54 pp behind the Equity Savings Fund category average of 8.99%. The fund ranks #10 of 14 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Equity Savings Fund - Regular Plan - Growth has delivered a CAGR of 7.54% — -0.14 pp behind the Equity Savings Fund category average of 7.68%. The fund ranks #7 of 12 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Equity Savings Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹213,749 today — a multiplier of 2.14×, based on the 10-year CAGR of 7.89%. The category average over the same window would have grown ₹1 lakh to ₹221,441.

A ₹10,000 monthly SIP in DSP Equity Savings Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹714,869 today. That's an XIRR (money-weighted annualised return) of 6.94%.

A ₹10,000 monthly SIP for 10 years in DSP Equity Savings Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,789,139 (multiplier 1.49×). XIRR: 7.75%. 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 - Regular Plan - Growth ranks #7 out of 12 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 7.68%; this fund delivered 7.54%.

The worst peak-to-trough decline DSP Equity Savings Fund - Regular Plan - Growth has experienced over the last 5-year window is 4.58% — 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 - Regular Plan - Growth averaged 8.58% (best 13.19%, worst 6.14%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.22 — weak risk-adjusted performance.

In calendar year 2025, DSP Equity Savings Fund - Regular Plan - Growth returned 6.03% — beating the Equity Savings Fund category average of 5.91% by 0.12 pp. It ranked #9 of 14 in its category that year.

DSP Equity Savings Fund - Regular 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 - Regular 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: 4.6%. 5-year CAGR: 7.54%.

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