Should I invest in HDFC Equity Savings Fund?

We don't give personal investment advice. HDFC Equity Savings Fund - IDCW Option - Direct Plan 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: 8.0%. 5-year CAGR: 2.45%.

HDFC

HDFC Equity Savings Fund - IDCW Option - Direct Plan

Latest NAV

₹14.9190

As of

3 Jun 2026

3,286 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	+0.07%	+7.25%	-7.18	16 / 52	Q2
1W	-0.65%	+6.89%	-7.54	40 / 52	Q4
2W	-0.05%	+7.13%	-7.19	15 / 52	Q2
1M	-0.76%	+7.13%	-7.90	44 / 51	Q4
3M	-3.15%	+6.63%	-9.78	46 / 51	Q4
6M	-4.31%	+6.00%	-10.31	41 / 51	Q4
YTD	-3.47%	+5.72%	-9.19	43 / 51	Q4
1Y	-3.42%	+8.33%	-11.75	41 / 50	Q4
2Y	-1.07%	+5.55%	-6.62	41 / 50	Q4
3Y	+3.15%	+6.83%	-3.68	33 / 48	Q3
4Y	+3.17%	+6.12%	-2.95	28 / 43	Q3
5Y	+2.45%	+5.24%	-2.79	27 / 42	Q3
7Y	+2.97%	+5.14%	-2.17	30 / 38	Q4
10Y	+3.21%	+4.13%	-0.91	13 / 20	Q3
Inception	+1.79%	+5.77%	-3.98	46 / 50	Q4

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	-3.47%	-2.29%	-1.18	35 / 43
2025	+1.65%	+10.59%	-8.94	28 / 45
2024	+4.96%	+7.51%	-2.55	31 / 45
2023	+7.58%	+8.56%	-0.98	22 / 43
2022	+0.10%	+0.43%	-0.33	22 / 43
2021	+10.02%	+8.79%	+1.22	17 / 43
2020	+5.27%	+7.24%	-1.97	32 / 43
2019	-2.07%	+4.12%	-6.19	34 / 37
2018	-5.42%	-1.89%	-3.53	21 / 28
2017	+8.73%	+9.85%	-1.11	15 / 25
2016	-1.21%	+5.06%	-6.27	17 / 17

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

+2.86%

152 windows

min -16.7% · max 25.9%

58% positive

3-Year rolling

+2.65%

128 windows

min -6.6% · max 9.5%

84% positive

5-Year rolling

+2.55%

103 windows

min -2.5% · max 7.9%

84% positive

7-Year rolling

+2.25%

79 windows

min -1.2% · max 4.1%

91% positive

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

5.24%

3-year · annualised

Sharpe ratio

-0.62

vs risk-free 6.5%

Sortino ratio

-0.92

Downside-only deviation

Max drawdown

-8.04%

Sep 2024 → Mar 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
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
Kotak Equity Savings Fund - Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹21.3896	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹14.9190
2 Jun 2026	₹14.9420
1 Jun 2026	₹14.9320
29 May 2026	₹14.9510
27 May 2026	₹15.0390
26 May 2026	₹15.0390
25 May 2026	₹15.0570
22 May 2026	₹14.9760
21 May 2026	₹14.9620
20 May 2026	₹14.9560

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 HDFC Equity Savings Fund - IDCW Option - Direct Plan is ₹14.9190. It's a Equity Savings Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Equity Savings Fund - IDCW Option - Direct Plan has NAV history starting from 01 Jan 2013, a track record of about 13 years 5 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.

HDFC Equity Savings Fund - IDCW Option - Direct Plan is managed by HDFC. 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, HDFC Equity Savings Fund - IDCW Option - Direct Plan has delivered a absolute return of -3.42% — -11.75 pp behind the Equity Savings Fund category average of 8.33%. The fund ranks #41 of 50 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Equity Savings Fund - IDCW Option - Direct Plan has delivered a CAGR of 3.15% — -3.68 pp behind the Equity Savings Fund category average of 6.83%. The fund ranks #33 of 48 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HDFC Equity Savings Fund - IDCW Option - Direct Plan has delivered a CAGR of 2.45% — -2.79 pp behind the Equity Savings Fund category average of 5.24%. The fund ranks #27 of 42 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Equity Savings Fund - IDCW Option - Direct Plan exactly 10 years ago would be worth approximately ₹137,209 today — a multiplier of 1.37×, based on the 10-year CAGR of 3.21%. The category average over the same window would have grown ₹1 lakh to ₹149,851.

A ₹10,000 monthly SIP in HDFC Equity Savings Fund - IDCW Option - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹627,827 today. That's an XIRR (money-weighted annualised return) of 1.79%.

A ₹10,000 monthly SIP for 10 years in HDFC Equity Savings Fund - IDCW Option - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,386,336 (multiplier 1.16×). XIRR: 2.84%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Equity Savings Fund - IDCW Option - Direct Plan ranks #27 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 2.45%.

The worst peak-to-trough decline HDFC Equity Savings Fund - IDCW Option - Direct Plan has experienced over the last 5-year window is 8.04% — its NAV fell from a high on 25 Sep 2024 to a low on 30 Mar 2026. 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, HDFC Equity Savings Fund - IDCW Option - Direct Plan averaged 2.55% (best 7.90%, worst -2.46%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is -0.68 — negative risk-adjusted performance.

In calendar year 2025, HDFC Equity Savings Fund - IDCW Option - Direct Plan returned 1.65% — lagging the Equity Savings Fund category average of 10.59% by 8.94 pp. It ranked #28 of 45 in its category that year.

HDFC Equity Savings Fund - IDCW Option - Direct Plan 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. HDFC Equity Savings Fund - IDCW Option - Direct Plan 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: 8.0%. 5-year CAGR: 2.45%.

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