Should I invest in DSP Equity Savings Fund?

We don't give personal investment advice. DSP Equity Savings Fund - Regular 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: 8.4%. 5-year CAGR: 1.27%.

DSP

DSP Equity Savings Fund - Regular Plan - IDCW - Monthly

Latest NAV

₹13.3740

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%	0.00%	-0.12	30 / 31	Q4
1W	-1.43%	-0.52%	-0.91	31 / 31	Q4
2W	-1.28%	-0.20%	-1.08	31 / 31	Q4
1M	-1.01%	-0.36%	-0.64	29 / 31	Q4
3M	-2.65%	-0.98%	-1.67	26 / 31	Q4
6M	-4.24%	-2.07%	-2.17	23 / 31	Q3
YTD	-4.06%	-2.02%	-2.04	24 / 31	Q4
1Y	-4.88%	+0.21%	-5.10	26 / 30	Q4
2Y	-0.48%	+1.92%	-2.40	19 / 29	Q3
3Y	+2.12%	+4.84%	-2.72	19 / 28	Q3
4Y	+2.05%	+4.52%	-2.47	15 / 24	Q3
5Y	+1.27%	+3.63%	-2.36	15 / 24	Q3
7Y	+2.86%	+4.64%	-1.79	14 / 24	Q3
10Y	+2.70%	+3.33%	-0.63	6 / 12	Q2
Inception	+2.85%	+4.74%	-1.89	21 / 31	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	-4.06%	-2.62%	-1.44	22 / 29
2025	-0.15%	+1.74%	-1.89	19 / 27
2024	+5.35%	+7.43%	-2.08	18 / 28
2023	+5.62%	+8.86%	-3.24	15 / 26
2022	-1.55%	-1.13%	-0.42	13 / 24
2021	+8.79%	+8.85%	-0.06	13 / 25
2020	+6.40%	+9.17%	-2.77	21 / 25
2019	+2.90%	+4.21%	-1.30	13 / 23
2018	-5.93%	-2.76%	-3.18	15 / 16
2017	+8.46%	+8.69%	-0.22	7 / 14
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

+3.25%

112 windows

min -16.8% · max 35.0%

62% positive

3-Year rolling

+3.27%

88 windows

min -6.1% · max 9.8%

86% positive

5-Year rolling

+3.95%

64 windows

min 1.3% · max 8.0%

100% positive

7-Year rolling

+3.28%

39 windows

min 2.4% · max 4.5%

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

3.88%

3-year · annualised

Sharpe ratio

-1.12

vs risk-free 6.5%

Sortino ratio

-1.81

Downside-only deviation

Max drawdown

-7.15%

Sep 2024 → Apr 2026

% positive months

55.6%

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 - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5225	3 Jun 2026
Invesco India Equity Savings Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹16.2477	3 Jun 2026
BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW	Bandhan	₹12.3290	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Regular Plan	Quant	₹10.3253	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.0500	3 Jun 2026
Mirae Asset Equity Savings Fund Regular IDCW	Mirae Asset	₹12.2450	3 Jun 2026
Kotak Equity Savings Fund - Regular - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹19.6748	3 Jun 2026
Edelweiss Equity Savings Fund - Regular Plan - IDCW Option	Edelweiss	₹18.1949	3 Jun 2026
DSP Equity Savings Fund - Regular Plan - IDCW	DSP	₹11.9260	3 Jun 2026
HSBC Equity Savings Fund - Regular Monthly IDCW	HSBC	₹15.3237	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.3740
2 Jun 2026	₹13.3770
1 Jun 2026	₹13.3930
29 May 2026	₹13.4040
27 May 2026	₹13.5450
26 May 2026	₹13.5710
25 May 2026	₹13.5940
22 May 2026	₹13.5370
21 May 2026	₹13.5430
20 May 2026	₹13.5350

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 - IDCW - Monthly is ₹13.3740. It's a Equity Savings Fund from DSP, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

DSP Equity Savings Fund - Regular 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 - Regular 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 - Regular Plan - IDCW - Monthly has delivered a absolute return of -4.88% — -5.1 pp behind the Equity Savings Fund category average of 0.21%. The fund ranks #26 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Equity Savings Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 2.12% — -2.72 pp behind the Equity Savings Fund category average of 4.84%. The fund ranks #19 of 28 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DSP Equity Savings Fund - Regular Plan - IDCW - Monthly has delivered a CAGR of 1.27% — -2.36 pp behind the Equity Savings Fund category average of 3.63%. The fund ranks #15 of 24 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Equity Savings Fund - Regular Plan - IDCW - Monthly exactly 10 years ago would be worth approximately ₹130,533 today — a multiplier of 1.31×, based on the 10-year CAGR of 2.70%. The category average over the same window would have grown ₹1 lakh to ₹138,814.

A ₹10,000 monthly SIP in DSP Equity Savings Fund - Regular Plan - IDCW - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹609,241 today. That's an XIRR (money-weighted annualised return) of 0.60%.

A ₹10,000 monthly SIP for 10 years in DSP Equity Savings Fund - Regular Plan - IDCW - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,349,287 (multiplier 1.12×). XIRR: 2.31%. 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 - IDCW - Monthly ranks #15 out of 24 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 3.63%; this fund delivered 1.27%.

The worst peak-to-trough decline DSP Equity Savings Fund - Regular Plan - IDCW - Monthly has experienced over the last 5-year window is 8.42% — its NAV fell from a high on 16 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 - Regular Plan - IDCW - Monthly averaged 3.95% (best 7.99%, worst 1.27%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.19 — negative risk-adjusted performance.

In calendar year 2025, DSP Equity Savings Fund - Regular Plan - IDCW - Monthly returned -0.15% — lagging the Equity Savings Fund category average of 1.74% by 1.89 pp. It ranked #19 of 27 in its category that year.

DSP Equity Savings Fund - Regular 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 - Regular 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: 8.4%. 5-year CAGR: 1.27%.

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