Should I invest in Tata Equity Savings Fund - Periodic Payout of IDCWS Option?

We don't give personal investment advice. Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS 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: 4.4%. 5-year CAGR: 9.02%.

Tata

Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option

Latest NAV

₹31.1493

As of

20 Feb 2026

3,135 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	+0.06%	+0.13%	-0.06	39 / 49	Q4
1W	-0.04%	+0.17%	-0.21	41 / 49	Q4
2W	-0.08%	+0.27%	-0.35	46 / 49	Q4
1M	+0.45%	+0.53%	-0.08	27 / 48	Q3
3M	+0.14%	+1.21%	-1.06	41 / 48	Q4
6M	+2.20%	+0.35%	+1.86	10 / 48	Q1
YTD	-0.42%	-0.31%	-0.12	27 / 48	Q3
1Y	+7.54%	+1.63%	+5.91	5 / 48	Q1
2Y	+8.27%	+2.39%	+5.88	4 / 47	Q1
3Y	+10.56%	+5.05%	+5.51	4 / 45	Q1
4Y	+9.04%	+5.30%	+3.74	10 / 40	Q1
5Y	+9.02%	+4.35%	+4.67	7 / 39	Q1
7Y	+9.67%	+5.64%	+4.03	7 / 38	Q1
10Y	+8.61%	+4.02%	+4.59	2 / 21	Q1
Inception	—	—	—	—	—

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	-0.42%	-0.62%	+0.20	22 / 43
2025	+7.20%	+2.35%	+4.85	12 / 42
2024	+11.88%	+8.05%	+3.84	10 / 42
2023	+13.15%	+9.20%	+3.95	10 / 40
2022	+4.05%	+0.46%	+3.59	9 / 40
2021	+11.93%	+9.45%	+2.48	13 / 40
2020	+10.93%	+7.78%	+3.15	10 / 40
2019	+8.59%	+4.12%	+4.47	8 / 37
2018	+2.73%	-1.89%	+4.62	3 / 28
2017	+4.65%	+9.85%	-5.19	20 / 25
2016	+7.24%	+5.06%	+2.18	6 / 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

+10.37%

144 windows

min -7.6% · max 44.5%

94% positive

3-Year rolling

+8.71%

120 windows

min 0.4% · max 16.8%

100% positive

5-Year rolling

+8.33%

95 windows

min 1.5% · max 12.7%

100% positive

7-Year rolling

+8.24%

71 windows

min 6.1% · max 10.7%

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

3.30%

3-year · annualised

Sharpe ratio

1.11

vs risk-free 6.5%

Sortino ratio

4.56

Downside-only deviation

Max drawdown

-2.50%

Jun 2024 → Jun 2024

% positive months

77.8%

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
HDFC Equity Savings Fund - IDCW Option - Direct Plan	HDFC	₹15.0960	17 Jul 2026
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

Recent NAVs

Date	NAV
20 Feb 2026	₹31.1493
19 Feb 2026	₹31.1301
18 Feb 2026	₹31.2395
17 Feb 2026	₹31.2215
16 Feb 2026	₹31.2077
13 Feb 2026	₹31.1625
12 Feb 2026	₹31.2285
11 Feb 2026	₹31.2541
10 Feb 2026	₹31.2303
9 Feb 2026	₹31.2223

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 20 Feb 2026, the NAV of Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option is ₹31.1493. It's a Equity Savings Fund from Tata, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option has NAV history starting from 14 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.

Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option is managed by Tata. 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, Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option has delivered a absolute return of 7.54% — +5.91 pp ahead of the Equity Savings Fund category average of 1.63%. The fund ranks #5 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option has delivered a CAGR of 10.56% — +5.51 pp ahead of the Equity Savings Fund category average of 5.05%. The fund ranks #4 of 45 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option has delivered a CAGR of 9.02% — +4.67 pp ahead of the Equity Savings Fund category average of 4.35%. The fund ranks #7 of 39 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option exactly 10 years ago would be worth approximately ₹228,460 today — a multiplier of 2.28×, based on the 10-year CAGR of 8.61%. The category average over the same window would have grown ₹1 lakh to ₹148,305.

A ₹10,000 monthly SIP in Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option over the last 5 years — total invested ₹600,000 — would be worth ₹754,069 today. That's an XIRR (money-weighted annualised return) of 9.05%.

A ₹10,000 monthly SIP for 10 years in Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option = ₹1,200,000 invested. It would currently be worth ₹1,905,260 (multiplier 1.59×). XIRR: 8.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option ranks #7 out of 39 funds in the Equity Savings Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 4.35%; this fund delivered 9.02%.

The worst peak-to-trough decline Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option has experienced over the last 5-year window is 4.44% — its NAV fell from a high on 05 Apr 2022 to a low on 17 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, Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option averaged 8.33% (best 12.67%, worst 1.50%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.53 — reasonable risk-adjusted performance.

In calendar year 2025, Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option returned 7.20% — beating the Equity Savings Fund category average of 2.35% by 4.85 pp. It ranked #12 of 42 in its category that year.

Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS 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. Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS 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: 4.4%. 5-year CAGR: 9.02%.

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

Tata Equity Savings Fund-Direct Plan - Periodic Payout of IDCWS Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Equity Savings Fund

Recent NAVs

Frequently asked questions

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