Should I invest in DSP Equity Savings Fund?

We don't give personal investment advice. DSP Equity Savings Fund - Regular 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: 9.0%. 5-year CAGR: 1.18%.

DSP

DSP Equity Savings Fund - Regular Plan - IDCW - Quarterly

Latest NAV

₹13.5460

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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	+0.14%	+0.04	15 / 31	Q2
1W	+0.07%	+0.10%	-0.03	17 / 31	Q3
2W	+0.02%	+0.20%	-0.18	27 / 31	Q4
1M	-0.68%	+0.34%	-1.02	25 / 31	Q4
3M	-0.23%	+1.10%	-1.33	28 / 31	Q4
6M	-2.24%	-0.11%	-2.12	23 / 31	Q3
YTD	-2.35%	-0.61%	-1.74	23 / 31	Q3
1Y	-3.61%	+0.95%	-4.56	24 / 31	Q4
2Y	-1.24%	+1.43%	-2.68	21 / 29	Q3
3Y	+1.93%	+4.61%	-2.68	19 / 28	Q3
4Y	+2.29%	+4.95%	-2.66	16 / 24	Q3
5Y	+1.18%	+3.70%	-2.53	16 / 24	Q3
7Y	+3.63%	+5.16%	-1.54	14 / 24	Q3
10Y	+2.55%	+3.30%	-0.74	6 / 12	Q2
Inception	+2.94%	+4.99%	-2.05	23 / 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	-2.35%	-1.12%	-1.23	21 / 29
2025	-0.15%	+1.74%	-1.89	20 / 27
2024	+5.31%	+7.43%	-2.12	19 / 28
2023	+5.58%	+8.86%	-3.28	17 / 26
2022	-1.56%	-1.13%	-0.43	15 / 24
2021	+7.72%	+8.85%	-1.13	15 / 25
2020	+7.62%	+9.17%	-1.55	19 / 25
2019	+1.69%	+4.21%	-2.51	16 / 23
2018	-5.36%	-2.76%	-2.60	14 / 16
2017	+8.45%	+8.69%	-0.23	8 / 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

+3.32%

114 windows

min -13.3% · max 29.3%

64% positive

3-Year rolling

+3.32%

90 windows

min -4.7% · max 10.4%

87% positive

5-Year rolling

+3.89%

65 windows

min 1.2% · max 9.1%

100% positive

7-Year rolling

+3.28%

41 windows

min 2.2% · max 4.3%

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

4.03%

3-year · annualised

Sharpe ratio

-1.11

vs risk-free 6.5%

Sortino ratio

-1.81

Downside-only deviation

Max drawdown

-8.09%

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
SBI Equity Savings Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.9210	17 Jul 2026
Invesco India Equity Savings Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹16.7130	17 Jul 2026
BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW	Bandhan	₹12.5650	17 Jul 2026
quant Equity Savings Fund - IDCW Option - Regular Plan	Quant	₹10.7655	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.0900	17 Jul 2026
Mirae Asset Equity Savings Fund Regular IDCW	Mirae Asset	₹12.5660	17 Jul 2026
Kotak Equity Savings Fund - Regular - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹20.0642	17 Jul 2026
Edelweiss Equity Savings Fund - Regular Plan - IDCW Option	Edelweiss	₹18.3493	17 Jul 2026
DSP Equity Savings Fund - Regular Plan - IDCW	DSP	₹12.1960	17 Jul 2026
HSBC Equity Savings Fund - Regular Monthly IDCW	HSBC	₹15.5352	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.5460
16 Jul 2026	₹13.5220
15 Jul 2026	₹13.5390
14 Jul 2026	₹13.5130
13 Jul 2026	₹13.5460
10 Jul 2026	₹13.5360
9 Jul 2026	₹13.4930
8 Jul 2026	₹13.4830
7 Jul 2026	₹13.5780
6 Jul 2026	₹13.5740

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 - Regular Plan - IDCW - Quarterly is ₹13.5460. 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 - 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 - Regular 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 - Regular Plan - IDCW - Quarterly has delivered a absolute return of -3.61% — -4.56 pp behind the Equity Savings Fund category average of 0.95%. The fund ranks #24 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DSP Equity Savings Fund - Regular Plan - IDCW - Quarterly has delivered a CAGR of 1.93% — -2.68 pp behind the Equity Savings Fund category average of 4.61%. 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 - Quarterly has delivered a CAGR of 1.18% — -2.53 pp behind the Equity Savings Fund category average of 3.70%. The fund ranks #16 of 24 in its category — the third (Q3) quartile.

₹1 lakh invested in DSP Equity Savings Fund - Regular Plan - IDCW - Quarterly exactly 10 years ago would be worth approximately ₹128,642 today — a multiplier of 1.29×, based on the 10-year CAGR of 2.55%. The category average over the same window would have grown ₹1 lakh to ₹138,297.

A ₹10,000 monthly SIP in DSP Equity Savings Fund - Regular Plan - IDCW - Quarterly over the last 5 years — total invested ₹600,000 — would be worth ₹613,797 today. That's an XIRR (money-weighted annualised return) of 0.90%.

A ₹10,000 monthly SIP for 10 years in DSP Equity Savings Fund - Regular Plan - IDCW - Quarterly = ₹1,200,000 invested. It would currently be worth ₹1,356,945 (multiplier 1.13×). XIRR: 2.42%. 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 - Quarterly ranks #16 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 3.70%; this fund delivered 1.18%.

The worst peak-to-trough decline DSP Equity Savings Fund - Regular Plan - IDCW - Quarterly has experienced over the last 5-year window is 8.97% — its NAV fell from a high on 16 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 - Regular Plan - IDCW - Quarterly averaged 3.89% (best 9.08%, worst 1.18%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.17 — negative risk-adjusted performance.

In calendar year 2025, DSP Equity Savings Fund - Regular Plan - IDCW - Quarterly returned -0.15% — lagging the Equity Savings Fund category average of 1.74% by 1.89 pp. It ranked #20 of 27 in its category that year.

DSP Equity Savings Fund - Regular 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 - Regular 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: 9.0%. 5-year CAGR: 1.18%.

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