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: 2.56%.

HDFC

HDFC Equity Savings Fund - IDCW Option - Direct Plan

Latest NAV

₹15.0960

As of

17 Jul 2026

3,317 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	+0.37%	+0.13%	+0.24	3 / 49	Q1
1W	+0.34%	+0.17%	+0.17	8 / 49	Q1
2W	+0.39%	+0.27%	+0.12	14 / 49	Q2
1M	-0.36%	+0.53%	-0.89	42 / 48	Q4
3M	-0.15%	+1.21%	-1.36	44 / 48	Q4
6M	-2.23%	+0.35%	-2.58	41 / 48	Q4
YTD	-2.47%	-0.31%	-2.17	41 / 48	Q4
1Y	-1.97%	+1.63%	-3.60	39 / 48	Q4
2Y	-1.10%	+2.39%	-3.49	39 / 47	Q4
3Y	+3.05%	+5.05%	-1.99	30 / 45	Q3
4Y	+3.81%	+5.30%	-1.48	25 / 40	Q3
5Y	+2.56%	+4.35%	-1.79	25 / 39	Q3
7Y	+3.65%	+5.64%	-1.99	28 / 38	Q3
10Y	+2.71%	+4.02%	-1.31	16 / 21	Q4
Inception	+1.85%	+5.34%	-3.49	42 / 47	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	-2.47%	-0.62%	-1.85	36 / 43
2025	+1.65%	+2.35%	-0.70	25 / 42
2024	+4.96%	+8.05%	-3.08	31 / 42
2023	+7.58%	+9.20%	-1.62	22 / 40
2022	+0.10%	+0.46%	-0.36	22 / 40
2021	+10.02%	+9.45%	+0.56	17 / 40
2020	+5.27%	+7.78%	-2.51	32 / 40
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

+2.82%

153 windows

min -16.6% · max 24.6%

58% positive

3-Year rolling

+2.69%

129 windows

min -6.1% · max 9.8%

84% positive

5-Year rolling

+2.60%

105 windows

min -2.0% · max 9.0%

87% positive

7-Year rolling

+2.32%

80 windows

min -0.9% · max 4.3%

93% 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

5.03%

3-year · annualised

Sharpe ratio

-0.67

vs risk-free 6.5%

Sortino ratio

-1.07

Downside-only deviation

Max drawdown

-8.04%

Sep 2024 → Mar 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
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
Kotak Equity Savings Fund - Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹21.8405	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.0960
16 Jul 2026	₹15.0410
15 Jul 2026	₹15.0350
14 Jul 2026	₹15.0160
13 Jul 2026	₹15.0600
10 Jul 2026	₹15.0450
9 Jul 2026	₹14.9720
8 Jul 2026	₹14.9510
7 Jul 2026	₹15.0780
6 Jul 2026	₹15.0690

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 HDFC Equity Savings Fund - IDCW Option - Direct Plan is ₹15.0960. 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 6 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 -1.97% — -3.6 pp behind the Equity Savings Fund category average of 1.63%. The fund ranks #39 of 48 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 3.05% — -1.99 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #30 of 45 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 2.56% — -1.79 pp behind the Equity Savings Fund category average of 4.35%. The fund ranks #25 of 39 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 ₹130,645 today — a multiplier of 1.31×, based on the 10-year CAGR of 2.71%. The category average over the same window would have grown ₹1 lakh to ₹148,305.

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 ₹630,364 today. That's an XIRR (money-weighted annualised return) of 1.95%.

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 ₹1,391,886 (multiplier 1.16×). XIRR: 2.92%. 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 #25 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 2.56%.

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 2.60% (best 9.02%, worst -2.01%). 87% of rolling windows ended positive. The 5-year Sharpe ratio is -0.74 — 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 2.35% by 0.70 pp. It ranked #25 of 42 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: 2.56%.

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