Should I invest in Tata Equity Savings Fund?

We don't give personal investment advice. Tata Equity Savings Fund- Direct Plan- 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: 4.4%. 5-year CAGR: 9.06%.

Tata

Tata Equity Savings Fund- Direct Plan- Growth Option

Latest NAV

₹63.7493

As of

20 Feb 2026

3,214 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%	+0.17%	-0.11	22 / 26	Q4
1W	-0.04%	+0.14%	-0.19	22 / 26	Q4
2W	-0.08%	+0.29%	-0.37	25 / 26	Q4
1M	+0.45%	+1.05%	-0.60	22 / 26	Q4
3M	+0.14%	+1.89%	-1.74	26 / 26	Q4
6M	+2.20%	+2.19%	+0.02	11 / 26	Q2
YTD	-0.42%	+1.79%	-2.21	25 / 26	Q4
1Y	+7.54%	+5.05%	+2.49	5 / 26	Q1
2Y	+8.27%	+5.82%	+2.45	2 / 23	Q1
3Y	+10.56%	+9.26%	+1.30	5 / 23	Q1
4Y	+9.05%	+9.82%	-0.77	14 / 21	Q3
5Y	+9.06%	+8.54%	+0.52	6 / 20	Q2
7Y	+9.60%	+9.20%	+0.40	10 / 20	Q2
10Y	+9.15%	+8.38%	+0.77	5 / 12	Q2
Inception	+8.55%	+9.04%	-0.50	17 / 26	Q3

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%	+1.79%	-2.21	25 / 26
2025	+7.20%	+7.14%	+0.06	15 / 23
2024	+11.88%	+11.78%	+0.10	11 / 23
2023	+13.16%	+14.13%	-0.97	13 / 22
2022	+4.09%	+4.27%	-0.19	14 / 21
2021	+12.08%	+13.19%	-1.11	16 / 20
2020	+10.26%	+9.43%	+0.83	12 / 20
2019	+8.58%	+7.11%	+1.47	10 / 18
2018	+2.75%	+2.46%	+0.29	8 / 14
2017	+8.29%	+14.67%	-6.38	12 / 13
2016	+9.38%	+8.25%	+1.12	3 / 10

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

+9.04%

148 windows

min -7.6% · max 24.6%

97% positive

3-Year rolling

+8.57%

124 windows

min 0.9% · max 12.4%

100% positive

5-Year rolling

+8.40%

100 windows

min 2.9% · max 12.6%

100% positive

7-Year rolling

+8.25%

75 windows

min 5.6% · max 10.1%

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

4.57

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 - Growth Option - Direct Plan	HDFC	₹76.6750	17 Jul 2026
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Bonus Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Growth	SBI	₹27.4155	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option	ICICI Prudential	₹25.1200	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - Growth	Invesco	₹18.8819	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan-Growth	Bandhan	₹36.3120	17 Jul 2026
quant Equity Savings Fund - Growth Option - Direct Plan	Quant	₹10.9493	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹25.9200	17 Jul 2026
Franklin India Equity Savings Fund- Growth Direct	Franklin India	₹18.6962	17 Jul 2026
Mirae Asset Equity Savings Fund- Direct Plan- Growth	Mirae Asset	₹22.9570	17 Jul 2026

Recent NAVs

Date	NAV
20 Feb 2026	₹63.7493
19 Feb 2026	₹63.7101
18 Feb 2026	₹63.9339
17 Feb 2026	₹63.8970
16 Feb 2026	₹63.8689
13 Feb 2026	₹63.7763
12 Feb 2026	₹63.9115
11 Feb 2026	₹63.9638
10 Feb 2026	₹63.9151
9 Feb 2026	₹63.8988

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- Growth Option is ₹63.7493. It's a Equity Savings Fund from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Equity Savings Fund- Direct Plan- Growth Option has NAV history starting from 08 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- Growth 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- Growth Option has delivered a absolute return of 7.54% — +2.49 pp ahead of the Equity Savings Fund category average of 5.05%. The fund ranks #5 of 26 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Equity Savings Fund- Direct Plan- Growth Option has delivered a CAGR of 10.56% — +1.3 pp ahead of the Equity Savings Fund category average of 9.26%. The fund ranks #5 of 23 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Equity Savings Fund- Direct Plan- Growth Option has delivered a CAGR of 9.06% — +0.52 pp ahead of the Equity Savings Fund category average of 8.54%. The fund ranks #6 of 20 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Equity Savings Fund- Direct Plan- Growth Option exactly 10 years ago would be worth approximately ₹240,076 today — a multiplier of 2.40×, based on the 10-year CAGR of 9.15%. The category average over the same window would have grown ₹1 lakh to ₹223,583.

A ₹10,000 monthly SIP in Tata Equity Savings Fund- Direct Plan- Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹754,328 today. That's an XIRR (money-weighted annualised return) of 9.07%.

A ₹10,000 monthly SIP for 10 years in Tata Equity Savings Fund- Direct Plan- Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,915,733 (multiplier 1.60×). XIRR: 9.04%. 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- Growth Option ranks #6 out of 20 funds in the Equity Savings Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.54%; this fund delivered 9.06%.

The worst peak-to-trough decline Tata Equity Savings Fund- Direct Plan- Growth 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- Growth Option averaged 8.40% (best 12.57%, worst 2.90%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.54 — reasonable risk-adjusted performance.

In calendar year 2025, Tata Equity Savings Fund- Direct Plan- Growth Option returned 7.20% — beating the Equity Savings Fund category average of 7.14% by 0.06 pp. It ranked #15 of 23 in its category that year.

Tata Equity Savings Fund- Direct Plan- 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. Tata Equity Savings Fund- Direct Plan- 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: 4.4%. 5-year CAGR: 9.06%.

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- Growth 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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