HDFC Equity Savings Fund
HDFC Mutual Fund · Equity Savings · Regular plan, growth option
NAV (₹), 1 Oct 2026
66.4980
1-day change
-0.32%
1Y return
0.2%
3Y CAGR
6.8%
5Y CAGR
6.9%
Max drawdown, 5Y
−5.6%
NAV history month-end NAV, ₹ · 3 Apr 2006 to 1 Oct 2026
Returns vs Equity Savings median (24 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -2.4% | -1.8% |
| 3 months | -1.1% | -0.6% |
| 6 months | 1.9% | 3.3% |
| Year to date | -2.0% | 0.2% |
| 1 year | 0.2% | 2.2% |
| 3 years (CAGR) | 6.8% | 7.0% |
| 5 years (CAGR) | 6.9% | 6.5% |
| 7 years (CAGR) | 8.9% | 8.1% |
| 10 years (CAGR) | 8.3% | 7.2% |
| Since first NAV (CAGR) | 8.9% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.1% | 7.7% |
| 3Y rolling median | 10.1% | 8.8% |
| 3Y rolling worst | -0.6% | 1.5% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 9.5% | 8.6% |
| 5Y rolling worst | 4.1% | 5.5% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 5.4% | 5.2% |
| Sharpe ratio | 0.10 | 0.12 |
| Sortino ratio | 0.13 | 0.18 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −17.1% | −16.5% |
| Maximum drawdown, last 10Y | −17.1% | −17.7% |
| Maximum drawdown, last 5Y | −5.6% | −6.2% |
| Current drawdown | −3.1% | −2.3% |
| Recovery time of worst fall | 231 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.18% a year and the Direct plan's 1.29%, a gap of 0.89%; over the last 3 years the Direct plan returned 1.01 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹19,77,363.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 29 Sep 2026: TER increased from 2.17% to 2.18% (AMFI TER disclosure)
- 11 Sep 2026: fund manager from this date: Anand Laddha (Scheme Summary Document)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Anand Laddha | Equities | 11 Sep 2026 |
| Anil Bamboli | Debt | 17 Sep 2004 |
| Nandita Menezes | Arbitrage | 29 Mar 2025 |
| Arun Agarwal | Arbitrage | 24 Aug 2020 |
| Gopal Agrawal | Fund Manager for Overseas Investments | 1 Sep 2026 |
| Bhagyesh Kagalkar | Fund Manager for investments in Gold/Silver instruments | 26 Aug 2026 |
Objective: To provide capital appreciation by investing in Equity & equity related instruments, Arbitrage opportunities, and Debt & money market instruments. There is no assurance that the investment objective of the scheme will be achieved.
Stated asset allocation: Under Normal Circumstances : Equity and equity related instruments: 65%-90%; Of which net long through equity and equity related instruments*: 15%-40% ; Of which derivatives including index futures, stock futures, index options and stock options, etc : 25%- 75% ; Debt Securities (including securitised debt) and money market instruments : 10%- 35% ;Commodities ETFs such as Gold/Silver/other Commodities as permitted and Units of Mutual Fund: 0% - 20%: Units issued by InvITs: 0% - 10%; ETCDs: 0%- 10% Under Defensive Circumstances : Equity and equity related instruments: 15% - 65% ; Of which net long through equity and equity related instruments* : 15% - 40% ; Of which derivatives including ind…
Benchmark (tier 1): NIFTY Equity Savings Index
Exit load: In respect of each purchase /switch-in of Units, upto 15% ofthe units may be redeemedwithout any exit load from thedate of allotment. However,please note that the Units will beredeemed on First In First Out(FIFO) basis.• Any redemption in excess of theabove limit shall be subject to thefollowing exit load:- Exit Load of 1.00% is payable if Units are redeemed /switched-out within 1 month from the date of allotment ofunits.• No Exit Load is payable if Units are redeemed / switched-out after 1 month from the date ofallotment.
Minimum application: Rs.100
Allotment date: 17 Sep 2004
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.18% | 2.15% |
| AUM, whole scheme (₹ crore) | 5,533 | 774 |
| Riskometer | Moderately High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 0.9% | 1.5% TRI |
| Return, 3 years (AMFI) | 6.9% | 7.1% TRI |
| Return, 5 years (AMFI) | 7.0% | 6.6% TRI |
| Month-ends above category median (3Y CAGR) | 75% | 42% median |
| Month-ends in category top quartile (3Y) | 53% | 15% median |
| 7Y rolling CAGR, median (monthly windows) | 9.3% | 8.1% median |
Official benchmark: Nifty Equity Savings Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Equity Savings Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -2.0% | n/a | – |
| 2025 | 6.8% | n/a | – |
| 2024 | 10.3% | n/a | – |
| 2023 | 13.8% | n/a | – |
| 2022 | 6.0% | n/a | – |
| 2021 | 16.8% | n/a | – |
| 2020 | 8.8% | n/a | – |
| 2019 | 5.8% | n/a | – |
| 2018 | 0.9% | n/a | – |
| 2017 | 16.5% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,18,759 | -1.9% |
| 3 years | ₹3,60,000 | ₹3,77,767 | 3.2% |
| 5 years | ₹6,00,000 | ₹6,99,136 | 6.1% |
| 10 years | ₹12,00,000 | ₹18,09,116 | 8.0% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: HDFC Mutual Fund
Category: Equity Savings
Plan / option: Regular · Growth
AMFI scheme code: 101585
ISIN: INF179K01AM7
First NAV in MFIC data: 3 Apr 2006
History: 20.5 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Canara Robeco Balanced Advantage Fund | Balanced Advantage | 0.98 | n/a |
| UTI - Equity Savings Fund | Equity Savings | 0.97 | 6.6% |
| HDFC Aggressive Hybrid Fund | Aggressive Hybrid | 0.97 | 4.8% |
| UTI Aggressive Hybrid Fund | Aggressive Hybrid | 0.97 | 8.8% |
| Nippon India Aggressive Hybrid Fund (Existing Number of Segregated Portfolios - 2) | Aggressive Hybrid | 0.97 | 8.5% |
| Franklin India Aggressive Hybrid Fund | Aggressive Hybrid | 0.97 | 7.4% |
Questions about HDFC Equity Savings Fund
- What is the latest NAV of HDFC Equity Savings Fund?
- The NAV of the Regular plan (growth option) was ₹66.4980 on 1 Oct 2026, as published by AMFI.
- Which category is HDFC Equity Savings Fund in?
- It is classified as Equity Savings in AMFI's daily NAV file. MFIC compares it with 24 Equity Savings schemes (Regular plans).
- What returns has HDFC Equity Savings Fund delivered?
- Over one year the NAV changed by 0.2%. The 3-year CAGR is 6.8% (category median 7.0%) and the 5-year CAGR is 6.9% (category median 6.5%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 10.1%, the lowest was -0.6%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in HDFC Equity Savings Fund's NAV?
- The largest peak-to-trough fall in its available history was 17.1%; within the last five years it was 5.6% (category median 6.2%).
- How volatile is HDFC Equity Savings Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 5.4%, which is above the Equity Savings category median of 5.2%.
- What would a monthly SIP in HDFC Equity Savings Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹6,99,136 on 1 Oct 2026, an annualised return (XIRR) of 6.1%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of HDFC Equity Savings Fund?
- The total expense ratio of the Regular plan is 2.18% a year, as disclosed to AMFI (median of Equity Savings Regular plans: 2.15%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is HDFC Equity Savings Fund?
- Assets under management of the whole scheme were ₹5,533 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of HDFC Equity Savings Fund?
- AMFI lists the scheme's riskometer as “Moderately High”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of HDFC Equity Savings Fund and how has it compared?
- Its official benchmark is the Nifty Equity Savings Index. Over 3 years AMFI reports a return of 6.9% for this plan against 7.1% for the benchmark total return index; over 5 years 7.0% against 6.6%. Past performance does not indicate future results.
- How often has HDFC Equity Savings Fund beaten its category?
- At 75% of the 106 month-ends compared over the last 10 years, its 3-year return was above the median of Equity Savings schemes (Regular plans); it was in the top quarter at 53% of them. A typical scheme would show about 50%.
- Who manages HDFC Equity Savings Fund?
- According to its Scheme Summary Document, HDFC Equity Savings Fund is managed by Anand Laddha (since 11 Sep 2026), Anil Bamboli (since 17 Sep 2004), Nandita Menezes (since 29 Mar 2025), Arun Agarwal (since 24 Aug 2020), Gopal Agrawal (since 1 Sep 2026), Bhagyesh Kagalkar (since 26 Aug 2026).
- What is the exit load of HDFC Equity Savings Fund?
- As stated in its scheme documents: In respect of each purchase /switch-in of Units, upto 15% ofthe units may be redeemedwithout any exit load from thedate of allotment. However,please note that the Units will beredeemed on First In First Out(FIFO) basis.• Any redemption in excess of theabove limit shall be subject to thefollowing exit load:- Exit Load of 1.00% is payable if Units are redeemed /switched-out within 1 month from the date of allotment ofunits.• No Exit Load is payable if Units are redeemed / switched-out after 1 month from the date ofallotment. Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in HDFC Equity Savings Fund?
- The minimum application amount is Rs.100. SIP details: For SIP DSIP, WSIP, MSIP - Rs. 100; QSIP - Rs. 1500; HSIP - Rs. 2500; YSIP - Rs. 5000. For SWAP Fixed SWAP - Rs. 100; Variable SWAP - Rs. 300. For STP Fixed STP (FSTP) Daily FSTP - Rs. 500; Weekly FSTP - Rs. 500; Monthly FSTP - Rs. 1000; Quarterly FSTP -Rs. 3000. Capital Appreciation STP (CASTP) Monthly CASTP - Rs. 300; Quarterly CASTP - Rs 1000..
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 1.2% and the Regular plan's by 0.2%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.