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

We don't give personal investment advice. Reliance Regular Savings Fund-EQUITY OPTION-Growth 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: 18.9%. 5-year CAGR: 15.44%.

Reliance

Reliance Regular Savings Fund-EQUITY OPTION-Growth Option

Latest NAV

₹217.6492

As of

3 Jun 2026

4,963 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	4 / 14	Q2
1W	-1.94%	-1.66%	-0.28	11 / 14	Q4
2W	-0.55%	+0.17%	-0.72	13 / 14	Q4
1M	-2.72%	-1.07%	-1.65	14 / 14	Q4
3M	-2.68%	+1.04%	-3.72	11 / 14	Q4
6M	-6.11%	-2.23%	-3.87	11 / 14	Q4
YTD	-6.07%	-3.05%	-3.02	11 / 14	Q4
1Y	-1.61%	+2.28%	-3.90	11 / 14	Q4
2Y	+1.79%	+2.19%	-0.40	8 / 13	Q3
3Y	+18.02%	+15.44%	+2.58	5 / 13	Q2
4Y	+17.47%	+15.62%	+1.85	3 / 10	Q2
5Y	+15.44%	+11.84%	+3.59	1 / 7	Q1
7Y	+16.17%	+12.24%	+3.93	1 / 5	Q1
10Y	+15.74%	+11.08%	+4.66	1 / 3	Q2
Inception	+15.38%	+13.48%	+1.90	5 / 14	Q2

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	-6.07%	-3.05%	-3.02	11 / 14
2025	+3.66%	+2.97%	+0.70	7 / 13
2024	+21.72%	+19.76%	+1.96	5 / 13
2023	+42.17%	+34.20%	+7.97	1 / 11
2022	+4.78%	+4.84%	-0.07	6 / 10
2021	+38.54%	+30.13%	+8.41	1 / 6
2020	+16.22%	+13.38%	+2.84	2 / 5
2019	+5.38%	+0.75%	+4.63	1 / 5
2018	-8.13%	-10.21%	+2.08	2 / 4
2017	+44.51%	+36.32%	+8.19	1 / 3
2016	-2.12%	-5.59%	+3.47	2 / 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

+19.53%

234 windows

min -54.2% · max 121.6%

76% positive

3-Year rolling

+15.88%

210 windows

min -6.9% · max 33.1%

95% positive

5-Year rolling

+14.97%

185 windows

min -1.2% · max 30.2%

99% positive

7-Year rolling

+14.44%

161 windows

min 7.4% · max 23.5%

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

14.90%

3-year · annualised

Sharpe ratio

0.76

vs risk-free 6.5%

Sortino ratio

1.26

Downside-only deviation

Max drawdown

-17.85%

Sep 2024 → Apr 2025

% positive months

75.0%

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	₹217.6492
2 Jun 2026	₹218.5660
1 Jun 2026	₹217.7291
29 May 2026	₹220.1922
27 May 2026	₹223.3253
26 May 2026	₹222.8987
25 May 2026	₹223.6477
22 May 2026	₹220.9531
21 May 2026	₹219.9392
20 May 2026	₹219.8246

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-Growth Option is ₹217.6492. 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-Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 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-Growth 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-Growth Option has delivered a absolute return of -1.61% — -3.9 pp behind the Value Fund category average of 2.28%. The fund ranks #11 of 14 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Reliance Regular Savings Fund-EQUITY OPTION-Growth Option has delivered a CAGR of 18.02% — +2.58 pp ahead of the Value Fund category average of 15.44%. The fund ranks #5 of 13 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Reliance Regular Savings Fund-EQUITY OPTION-Growth Option has delivered a CAGR of 15.44% — +3.59 pp ahead of the Value Fund category average of 11.84%. The fund ranks #1 of 7 in its category — the top (Q1) quartile.

₹1 lakh invested in Reliance Regular Savings Fund-EQUITY OPTION-Growth Option exactly 10 years ago would be worth approximately ₹431,467 today — a multiplier of 4.31×, based on the 10-year CAGR of 15.74%. 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-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹832,151 today. That's an XIRR (money-weighted annualised return) of 13.03%.

A ₹10,000 monthly SIP for 10 years in Reliance Regular Savings Fund-EQUITY OPTION-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,744,825 (multiplier 2.29×). XIRR: 15.79%. 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-Growth Option ranks #1 out of 7 funds in the Value Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 11.84%; this fund delivered 15.44%.

The worst peak-to-trough decline Reliance Regular Savings Fund-EQUITY OPTION-Growth Option has experienced over the last 5-year window is 18.87% — its NAV fell from a high on 18 Oct 2021 to a low on 20 Jun 2022. 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-Growth Option averaged 14.97% (best 30.19%, worst -1.18%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.62 — reasonable risk-adjusted performance.

In calendar year 2025, Reliance Regular Savings Fund-EQUITY OPTION-Growth Option returned 3.66% — beating the Value Fund category average of 2.97% by 0.70 pp. It ranked #7 of 13 in its category that year.

Reliance Regular Savings Fund-EQUITY OPTION-Growth 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-Growth 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: 18.9%. 5-year CAGR: 15.44%.

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