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Friday, 5 Jun 2026 · IST

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ProfitGuruOnline since 2007

SEBI sub-category

Equity Savings Fund funds

Funds

Direct plans only

Category 1Y avg

+13.11%

Category 5Y CAGR

+9.25%

Direct vs Regular

Direct Regular

5-Year return distribution

How the 27 Equity Savings Fund funds spread across return buckets. Taller bars = more funds in that band.

Risk vs Return — Equity Savings Fund

Each dot is a fund. Up-and-left = high return for low risk (the sweet spot). Down-and-right = under-performing with high volatility. Colour = 5-year peer quartile.

Q1 (top 25%) Q2 Q3 Q4 (bottom 25%) 19 funds plotted

All Equity Savings Fund funds

Sort by: 1Y 3Y 5Y 7Y 10Y

#	Scheme	NAV	1Y	3Y	5Y	7Y	10Y	Peer Q (5Y)	Sharpe	Max DD
1	Kotak Equity Savings Fund - Direct - Growth Kotak	29.83	+5.80%	+10.94%	+10.48%	+10.44%	+10.12%	Q1	0.72	-6.0%
2	Edelweiss Equity Savings Fund - Direct Plan - Growth Option Edelweiss	29.35	+7.25%	+11.51%	+10.07%	+10.52%	—	Q1	1.14	-3.5%
3	Mirae Asset Equity Savings Fund- Direct Plan- Growth Mirae Asset	22.38	+4.60%	+10.83%	+9.72%	+11.32%	—	Q1	0.65	-5.1%
4	Mahindra Manulife Equity Savings Fund - Direct Plan -Growth Mahindra Manulife	24.79	+5.23%	+10.72%	+9.61%	+10.96%	—	Q2	0.69	-4.6%
5	UTI Equity Savings Fund - Direct Plan - Growth Option UTI	19.92	+3.54%	+9.59%	+9.36%	+9.79%	—	Q2	0.66	-4.9%
6	HDFC Equity Savings Fund - Growth Option - Direct Plan HDFC	74.77	+2.36%	+9.29%	+8.93%	+9.43%	+10.38%	Q2	0.54	-4.8%
7	Axis Equity Savings Fund - Direct Plan - Growth Axis	25.59	+3.06%	+9.91%	+8.76%	+9.36%	+9.53%	Q2	0.62	-5.2%
8	SBI Equity Savings Fund - Direct Plan - Growth SBI	26.92	+3.17%	+10.02%	+8.76%	+9.67%	+9.38%	Q2	0.64	-6.4%
9	Baroda BNP Paribas Equity Savings Fund - Direct Plan - Growth Baroda BNP Paribas	18.24	+3.96%	+9.82%	+8.63%	+8.91%	—	Q3	0.56	-5.3%
10	DSP Equity Savings Fund - Direct Plan - Growth DSP	24.76	+2.02%	+9.25%	+8.58%	+9.08%	+9.19%	Q3	0.67	-2.7%
11	Invesco India Equity Savings Fund - Direct Plan - Growth Invesco	18.35	-2.35%	+9.34%	+7.94%	+8.55%	—	Q3	0.46	-6.8%
12	Franklin India Equity Savings Fund- Growth Direct Franklin India	18.34	+3.59%	+8.01%	+7.71%	+8.31%	—	Q3	0.53	-2.1%
13	ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option ICICI Prudential	24.64	+2.93%	+7.69%	+7.66%	+7.84%	+8.53%	Q3	0.37	-3.1%
14	Nippon India Equity Savings Fund- Direct Plan- Growth Plan- Bonus Option Nippon India	18.00	+3.11%	+7.50%	+7.58%	+4.39%	+5.54%	Q4	0.26	-3.4%
15	Nippon India Equity Savings Fund- Direct Plan- Growth Plan-Growth Option Nippon India	18.00	+3.11%	+7.50%	+7.58%	+4.39%	+5.54%	Q4	0.26	-3.4%
16	Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth Aditya Birla Sun Life	25.37	+5.49%	+8.72%	+7.45%	+8.49%	+8.71%	Q4	0.72	-2.5%
17	BANDHAN Equity Savings Fund-Direct Plan-Growth Bandhan	35.61	+3.74%	+7.62%	+7.13%	+7.55%	+7.32%	Q4	0.41	-2.2%
18	PGIM India Equity Savings Fund - Direct Plan - Growth PGIM India	56.82	+2.74%	+6.65%	+6.67%	+7.38%	+7.71%	Q4	0.01	-3.1%
19	Union Equity Savings Fund - Direct Plan - Growth Option Union	17.67	+2.03%	+7.26%	+6.45%	+7.40%	—	Q4	0.16	-4.5%
20	BAJAJ FINSERV EQUITY SAVINGS FUND - DIRECT - GROWTH Bajaj Finserv	10.35	—	—	—	—	—	—	—	—
21	HSBC Equity Savings Fund - Direct Growth HSBC	40.28	+11.97%	+13.95%	—	—	—	—	0.89	-11.5%
22	LIC MF Equity Savings Fund-Direct Plan-Growth LIC	31.84	+2.69%	+8.26%	—	—	—	—	—	—
23	Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Bonus Option Nippon India	0.00	—	—	—	—	—	—	—	—
24	Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Growth Option Nippon India	0.00	—	—	—	—	—	—	—	—
25	quant Equity Savings Fund - Growth Option - Direct Plan Quant	10.49	+4.80%	—	—	—	—	—	—	—
26	Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) - Direct Plan - Growth Option Sundaram	81.81	+0.97%	+10.57%	—	—	—	—	0.70	-6.2%
27	WhiteOak Capital Equity Savings Fund Direct Plan Growth WhiteOak Capital	11.40	+8.46%	—	—	—	—	—	—	—

Direct plans typically outperform Regular plans by around 50 basis points per year because they carry no distributor commission. The "Peer Q (5Y)" column shows the fund's quartile within this category over the 5-year window: Q1 = top 25%.

Frequently asked questions

Generated from this category's live aggregates — average returns, fund counts, quartile spreads. Updated daily.

Equity Savings Fund is a SEBI-defined mutual-fund category. Each scheme in it must follow the asset-allocation and exposure rules set out in the SEBI October-2017 categorisation circular. Equity bucket for tax purposes.

We currently track 27 active Equity Savings Fund schemes (Direct plan, Growth option). The list updates daily after AMFI publishes new NAVs and SEBI re-classifies schemes. 3 of them sit in the top quartile by 5-year CAGR.

Over the last 5 years, the average Equity Savings Fund (Direct plan) has returned 9.25% CAGR — that turns ₹1 lakh into roughly ₹155,652. Over the last 12 months the category averaged 13.11%. Top-quartile funds in this category typically beat the average by 3-6 percentage points per year — fund selection within a category matters more than the category choice itself.

Over the trailing 5-year window, the highest-returning Equity Savings Fund in our database is **Kotak Equity Savings Fund - Direct - Growth** (Kotak) with a CAGR of 10.48%. The category average is 9.25%. Past performance is no guarantee of future returns — top-quartile funds in one window often slip in the next.

The best 1-year return in the Equity Savings Fund category right now is **HSBC Equity Savings Fund - Direct Growth** (HSBC) at 11.97%. 1-year numbers are noisy and shouldn't be the sole basis for picking — cross-check rolling returns and 5-year CAGR before deciding.

Across all Equity Savings Fund schemes with 5 years of history, the 5-year CAGR ranges from 6.45% (worst) to 10.48% (best), with a median of 8.58%. That spread of about 4 percentage points between top and bottom is a useful gauge of how much fund selection matters in this category.

On ProfitGuruOnline you can browse either Equity Savings Fund Direct plans (lower expense ratio, no broker commission baked in) or Regular plans (sold through distributors). Use the filter on the category page. Direct typically outperforms Regular by 0.5-1% per year in the same scheme — meaningful over 10+ years.

Equity Savings Fund is classified as an Equity scheme. Held for 12 months or more: 12.5% LTCG on gains exceeding ₹1.25 lakh per FY per PAN. Held for under 12 months: 20% STCG. Rates updated by Budget 2024.

Yes. Equity categories like Equity Savings Fund are well-suited to SIP because the monthly drip averages out entry timing — you buy more units when NAVs are low. Over 7+ year horizons, SIP XIRRs typically end up within 1-2 pp of lump-sum, but with much less stress.

Match the horizon to the Equity bucket: equity ≥5 years, debt 1-3 years (or per modified duration), hybrid 3-5 years.

Risk profile follows the underlying asset mix — see the AMC's factsheet for current allocation and historical drawdown.

Two or three schemes from different AMCs is usually enough for a single category. Beyond that you'd be re-creating the category average minus your selection cost. Focus on consistency (% of rolling-return windows that ended positive) over chasing top performers — top quartile rarely repeats.

Quarterly is plenty for monitoring NAVs and aggregate gain; annually (or after major regulatory changes like Budget 2024) is the right cadence for re-evaluating against alternatives. Don't churn based on 1-month or even 1-year underperformance — equity funds need 3-5 year horizons to fairly judge.

We rank funds within each category by point-to-point CAGR over the chosen window (1Y, 3Y, 5Y, 7Y, 10Y, since inception), then assign quartile and decile bands so any fund's standing relative to peers is one click away. Numbers are recomputed nightly after AMFI's NAV publish.

Daily NAVs are pulled directly from AMFI's published feed. Category classification uses SEBI's October-2017 mutual-fund categorisation circular. We compute returns, rolling-window stats, SIP backtests, drawdowns and Sharpe ratios in-house — no third-party feeds, no hidden adjustments.

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