Should I invest in Reliance Long Term Equity Fund?

We don't give personal investment advice. Reliance Long Term Equity Fund -Dividend Plan Dividend Option 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: 50.2%. 5-year CAGR: 3.90%.

Reliance

Reliance Long Term Equity Fund -Dividend Plan Dividend Option

Latest NAV

₹32.9706

As of

17 Jul 2026

4,811 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	+0.50%	+0.41%	+0.09	10 / 17	Q3
1W	-0.01%	+0.17%	-0.18	12 / 17	Q3
2W	-0.08%	+0.42%	-0.50	14 / 17	Q4
1M	+0.27%	+2.20%	-1.92	16 / 17	Q4
3M	+2.39%	+3.98%	-1.60	10 / 17	Q3
6M	-7.31%	+0.07%	-7.39	16 / 17	Q4
YTD	-8.50%	-1.44%	-7.06	16 / 17	Q4
1Y	-6.76%	+0.45%	-7.21	14 / 17	Q4
2Y	-6.58%	+0.23%	-6.81	16 / 17	Q4
3Y	+2.99%	+10.71%	-7.72	16 / 17	Q4
4Y	+4.08%	+12.62%	-8.54	16 / 17	Q4
5Y	+3.90%	+10.55%	-6.65	15 / 16	Q4
7Y	+7.82%	+12.43%	-4.61	12 / 16	Q3
10Y	+4.79%	+10.17%	-5.38	12 / 16	Q3
Inception	+6.20%	+8.36%	-2.16	12 / 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	-8.50%	-1.44%	-7.06	16 / 17
2025	-0.19%	+3.05%	-3.24	12 / 17
2024	+1.07%	+16.43%	-15.36	17 / 17
2023	+15.72%	+23.77%	-8.05	15 / 17
2022	+3.05%	+2.25%	+0.80	9 / 17
2021	+35.55%	+29.90%	+5.66	5 / 16
2020	+6.20%	+10.37%	-4.17	13 / 16
2019	-2.20%	+6.11%	-8.31	15 / 16
2018	-21.55%	-12.13%	-9.42	15 / 16
2017	+27.31%	+33.15%	-5.85	11 / 16
2016	-4.61%	-0.16%	-4.45	12 / 16

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

+10.15%

227 windows

min -52.5% · max 107.4%

55% positive

3-Year rolling

+7.88%

202 windows

min -15.4% · max 29.9%

81% positive

5-Year rolling

+7.19%

178 windows

min -8.1% · max 21.6%

87% positive

7-Year rolling

+6.97%

154 windows

min 1.6% · max 16.2%

100% 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

16.60%

3-year · annualised

Sharpe ratio

-0.13

vs risk-free 6.5%

Sortino ratio

-0.18

Downside-only deviation

Max drawdown

-50.25%

Sep 2024 → Apr 2026

% positive months

61.1%

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 Focused Fund

Scheme	Fund house	NAV	As of
HDFC Core and Satellite Fund - DIVIDEND	HDFC	₹23.8110	17 Jul 2026
SBI MSFU EMERGING BUSINESSES FUND - DIVIDEND	SBI	₹72.0370	17 Jul 2026
Franklin India High Growth Companies Fund - Dividend Plan	Franklin Templeton	₹34.0582	17 Jul 2026
Birla Sun Life Top 100 Fund -Dividend Option	Birla Sun Life	₹25.0968	17 Jul 2026
Escorts Leading Sectors Fund - Dividend Option	Escorts	₹69.8510	17 Jul 2026
IDFC Imperial Equity Fund-Plan A - Dividend	IDFC	₹18.9440	17 Jul 2026
JM Core 11 Fund - Series 1 - Dividend option	JM Financial	₹20.1203	17 Jul 2026
Reliance Long Term Equity Fund -Growth Plan -Growth Option	Reliance	₹123.1536	17 Jul 2026
Sundaram Focused Fund (Formerly Known as Principal Focused Multicap Fund)-Growth Option	Sundaram	₹162.5625	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹32.9706
16 Jul 2026	₹32.8069
15 Jul 2026	₹32.8967
14 Jul 2026	₹32.7503
13 Jul 2026	₹32.9612
10 Jul 2026	₹32.9725
9 Jul 2026	₹32.6185
8 Jul 2026	₹32.4025
7 Jul 2026	₹32.9076
6 Jul 2026	₹33.1228

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 Reliance Long Term Equity Fund -Dividend Plan Dividend Option is ₹32.9706. It's a Focused Fund from Reliance, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Reliance Long Term Equity Fund -Dividend Plan Dividend Option has NAV history starting from 27 Dec 2006, a track record of about 19 years 6 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Reliance Long Term Equity Fund -Dividend Plan Dividend Option is managed by Reliance. It's classified by AMFI under the 'Focused Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Long Term Equity Fund -Dividend Plan Dividend Option has delivered a absolute return of -6.76% — -7.21 pp behind the Focused Fund category average of 0.45%. The fund ranks #14 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Reliance Long Term Equity Fund -Dividend Plan Dividend Option has delivered a CAGR of 2.99% — -7.72 pp behind the Focused Fund category average of 10.71%. The fund ranks #16 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Reliance Long Term Equity Fund -Dividend Plan Dividend Option has delivered a CAGR of 3.90% — -6.65 pp behind the Focused Fund category average of 10.55%. The fund ranks #15 of 16 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Reliance Long Term Equity Fund -Dividend Plan Dividend Option exactly 10 years ago would be worth approximately ₹159,641 today — a multiplier of 1.60×, based on the 10-year CAGR of 4.79%. The category average over the same window would have grown ₹1 lakh to ₹263,387.

A ₹10,000 monthly SIP in Reliance Long Term Equity Fund -Dividend Plan Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹620,229 today. That's an XIRR (money-weighted annualised return) of 1.31%.

A ₹10,000 monthly SIP for 10 years in Reliance Long Term Equity Fund -Dividend Plan Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,584,048 (multiplier 1.32×). XIRR: 5.42%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Long Term Equity Fund -Dividend Plan Dividend Option ranks #15 out of 16 funds in the Focused Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.55%; this fund delivered 3.90%.

The worst peak-to-trough decline Reliance Long Term Equity Fund -Dividend Plan Dividend Option has experienced over the last 5-year window is 50.25% — its NAV fell from a high on 26 Sep 2024 to a low on 01 Apr 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, Reliance Long Term Equity Fund -Dividend Plan Dividend Option averaged 7.19% (best 21.55%, worst -8.13%). 87% of rolling windows ended positive. The 5-year Sharpe ratio is -0.08 — negative risk-adjusted performance.

In calendar year 2025, Reliance Long Term Equity Fund -Dividend Plan Dividend Option returned -0.19% — lagging the Focused Fund category average of 3.05% by 3.24 pp. It ranked #12 of 17 in its category that year.

Reliance Long Term Equity Fund -Dividend Plan Dividend Option 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. Reliance Long Term Equity Fund -Dividend Plan Dividend Option 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: 50.2%. 5-year CAGR: 3.90%.

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