Should I invest in Reliance Regular Savings Fund-EQUITY OPTION?

We don't give personal investment advice. Reliance Regular Savings Fund-EQUITY OPTION-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: 52.5%. 5-year CAGR: 7.66%.

Reliance

Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option

Latest NAV

₹40.4070

As of

3 Jun 2026

4,225 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	+0.38%	+0.07%	+0.32	3 / 14	Q1
1W	-1.94%	-1.66%	-0.28	12 / 14	Q4
2W	-0.55%	+0.17%	-0.72	12 / 14	Q4
1M	-2.72%	-1.07%	-1.65	13 / 14	Q4
3M	-2.68%	+1.04%	-3.72	12 / 14	Q4
6M	-12.75%	-2.23%	-10.52	14 / 14	Q4
YTD	-12.72%	-3.05%	-9.67	14 / 14	Q4
1Y	-8.58%	+2.28%	-10.86	14 / 14	Q4
2Y	-5.39%	+2.19%	-7.59	13 / 13	Q4
3Y	+8.96%	+15.44%	-6.48	13 / 13	Q4
4Y	+8.76%	+15.62%	-6.87	10 / 10	Q4
5Y	+7.66%	+11.84%	-4.19	7 / 7	Q4
7Y	+8.24%	+12.24%	-4.00	5 / 5	Q4
10Y	+7.08%	+11.08%	-4.00	3 / 3	Q4
Inception	+6.52%	+13.48%	-6.96	14 / 14	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	-12.72%	-3.05%	-9.67	14 / 14
2025	-3.64%	+2.97%	-6.61	12 / 13
2024	+10.89%	+19.76%	-8.86	13 / 13
2023	+32.74%	+34.20%	-1.46	6 / 11
2022	+0.61%	+4.84%	-4.23	8 / 10
2021	+30.96%	+30.13%	+0.83	3 / 6
2020	+6.25%	+13.38%	-7.13	5 / 5
2019	-3.45%	+0.75%	-4.20	5 / 5
2018	-16.74%	-10.21%	-6.53	3 / 4
2017	+31.13%	+36.32%	-5.19	3 / 3
2016	-17.20%	-5.59%	-11.61	3 / 3

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

+7.43%

198 windows

min -38.1% · max 78.0%

53% positive

3-Year rolling

+5.41%

173 windows

min -15.1% · max 26.0%

72% positive

5-Year rolling

+5.49%

149 windows

min -11.3% · max 21.8%

81% positive

7-Year rolling

+4.21%

125 windows

min -2.7% · max 11.3%

92% 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

16.84%

3-year · annualised

Sharpe ratio

0.21

vs risk-free 6.5%

Sortino ratio

0.30

Downside-only deviation

Max drawdown

-52.49%

Sep 2024 → Apr 2026

% positive months

69.4%

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 Value Fund

Scheme	Fund house	NAV	As of
Quant Value Fund - Growth Option - Regular Plan	Quant	₹22.2549	3 Jun 2026
Quantum Value Fund - Regular Plan Growth Option	Quantum	₹116.2300	3 Jun 2026
DSP Value Fund - Regular Plan - Growth	DSP	₹23.2030	2 Jun 2026
HSBC Value Fund - Regular Growth	HSBC	₹110.5428	3 Jun 2026
Baroda BNP Paribas Value Fund - Regular Plan - Growth option	Baroda BNP Paribas	₹13.5153	3 Jun 2026
Canara Robeco Value Fund - Regular Plan - Growth Option	Canara Robeco	₹17.3000	3 Jun 2026
Axis Value Fund - Regular Plan - Growth	Axis	₹18.6800	3 Jun 2026
Groww Value Fund (formerly known as Indiabulls Value Fund) - Regular Plan - Growth Option	Groww	₹26.2478	3 Jun 2026
ITI Value Fund - Regular Plan - Growth Option	ITI	₹16.5886	3 Jun 2026
LIC MF Value Fund-Regular Plan-Growth	LIC	₹26.1620	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹40.4070
2 Jun 2026	₹40.5772
1 Jun 2026	₹40.4218
29 May 2026	₹40.8791
27 May 2026	₹41.4608
26 May 2026	₹41.3816
25 May 2026	₹41.5206
22 May 2026	₹41.0204
21 May 2026	₹40.8321
20 May 2026	₹40.8108

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 Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option is ₹40.4070. It's a Value Fund from Reliance, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option has NAV history starting from 01 Apr 2009, a track record of about 17 years 2 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 Regular Savings Fund-EQUITY OPTION-Dividend Option is managed by Reliance. It's classified by AMFI under the 'Value Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option has delivered a absolute return of -8.58% — -10.86 pp behind the Value Fund category average of 2.28%. The fund ranks #14 of 14 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option has delivered a CAGR of 8.96% — -6.48 pp behind the Value Fund category average of 15.44%. The fund ranks #13 of 13 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option has delivered a CAGR of 7.66% — -4.19 pp behind the Value Fund category average of 11.84%. The fund ranks #7 of 7 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option exactly 10 years ago would be worth approximately ₹198,213 today — a multiplier of 1.98×, based on the 10-year CAGR of 7.08%. The category average over the same window would have grown ₹1 lakh to ₹286,070.

A ₹10,000 monthly SIP in Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹661,240 today. That's an XIRR (money-weighted annualised return) of 3.84%.

A ₹10,000 monthly SIP for 10 years in Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,735,806 (multiplier 1.45×). XIRR: 7.17%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option ranks #7 out of 7 funds in the Value Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 11.84%; this fund delivered 7.66%.

The worst peak-to-trough decline Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option has experienced over the last 5-year window is 52.49% — 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 Regular Savings Fund-EQUITY OPTION-Dividend Option averaged 5.49% (best 21.84%, worst -11.29%). 81% of rolling windows ended positive. The 5-year Sharpe ratio is 0.15 — weak risk-adjusted performance.

In calendar year 2025, Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option returned -3.64% — lagging the Value Fund category average of 2.97% by 6.61 pp. It ranked #12 of 13 in its category that year.

Reliance Regular Savings Fund-EQUITY OPTION-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 Regular Savings Fund-EQUITY OPTION-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: 52.5%. 5-year CAGR: 7.66%.

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