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: 7.20%.

Reliance

Reliance Regular Savings Fund-EQUITY OPTION-Dividend Option

Latest NAV

₹42.1161

As of

17 Jul 2026

4,256 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	+0.22%	+0.16%	+0.06	8 / 14	Q3
1W	+0.30%	+0.08%	+0.22	4 / 14	Q2
2W	+0.25%	+0.28%	-0.03	7 / 14	Q2
1M	+0.93%	+1.34%	-0.41	9 / 14	Q3
3M	+1.04%	+3.18%	-2.14	9 / 14	Q3
6M	-8.84%	+2.01%	-10.86	14 / 14	Q4
YTD	-9.41%	+0.60%	-10.01	14 / 14	Q4
1Y	-7.94%	+2.49%	-10.43	14 / 14	Q4
2Y	-6.38%	+0.90%	-7.28	13 / 13	Q4
3Y	+7.45%	+14.50%	-7.05	13 / 13	Q4
4Y	+9.60%	+16.74%	-7.14	10 / 10	Q4
5Y	+7.20%	+11.96%	-4.76	8 / 8	Q4
7Y	+9.77%	+13.96%	-4.19	5 / 5	Q4
10Y	+6.72%	+10.79%	-4.07	3 / 3	Q4
Inception	+6.70%	+13.97%	-7.27	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	-9.41%	+0.60%	-10.01	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

+7.37%

199 windows

min -36.6% · max 65.6%

53% positive

3-Year rolling

+5.71%

175 windows

min -14.5% · max 26.8%

72% positive

5-Year rolling

+5.58%

150 windows

min -9.3% · max 24.2%

82% positive

7-Year rolling

+4.34%

126 windows

min -2.7% · max 11.5%

94% 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

18.28%

3-year · annualised

Sharpe ratio

0.13

vs risk-free 6.5%

Sortino ratio

0.18

Downside-only deviation

Max drawdown

-52.49%

Sep 2024 → Apr 2026

% positive months

66.7%

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	₹22.9287	17 Jul 2026
Quantum Value Fund - Regular Plan Growth Option	Quantum	₹120.2900	17 Jul 2026
DSP Value Fund - Regular Plan - Growth	DSP	₹23.8320	16 Jul 2026
HSBC Value Fund - Regular Growth	HSBC	₹114.0843	17 Jul 2026
Baroda BNP Paribas Value Fund - Regular Plan - Growth option	Baroda BNP Paribas	₹13.7209	17 Jul 2026
Canara Robeco Value Fund - Regular Plan - Growth Option	Canara Robeco	₹17.9500	17 Jul 2026
Axis Value Fund - Regular Plan - Growth	Axis	₹19.6300	17 Jul 2026
Groww Value Fund (formerly known as Indiabulls Value Fund) - Regular Plan - Growth Option	Groww	₹27.6498	17 Jul 2026
ITI Value Fund - Regular Plan - Growth Option	ITI	₹17.0750	17 Jul 2026
LIC MF Value Fund-Regular Plan-Growth	LIC	₹27.6607	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹42.1161
16 Jul 2026	₹42.0234
15 Jul 2026	₹41.9639
14 Jul 2026	₹41.7941
13 Jul 2026	₹42.1274
10 Jul 2026	₹41.9902
9 Jul 2026	₹41.5715
8 Jul 2026	₹41.2424
7 Jul 2026	₹42.1067
6 Jul 2026	₹42.2398

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 Regular Savings Fund-EQUITY OPTION-Dividend Option is ₹42.1161. 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 3 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 -7.94% — -10.43 pp behind the Value Fund category average of 2.49%. 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 7.45% — -7.05 pp behind the Value Fund category average of 14.50%. 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 7.20% — -4.76 pp behind the Value Fund category average of 11.96%. The fund ranks #8 of 8 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 ₹191,541 today — a multiplier of 1.92×, based on the 10-year CAGR of 6.72%. The category average over the same window would have grown ₹1 lakh to ₹278,520.

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 ₹677,586 today. That's an XIRR (money-weighted annualised return) of 4.81%.

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 ₹1,791,525 (multiplier 1.49×). XIRR: 7.77%. 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 #8 out of 8 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 11.96%; this fund delivered 7.20%.

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 5.58% (best 24.19%, worst -9.34%). 82% of rolling windows ended positive. The 5-year Sharpe ratio is 0.11 — 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: 7.20%.

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