HSBC Equity Savings Fund
HSBC Mutual Fund · Equity Savings · Regular plan, growth option
NAV (₹), 1 Oct 2026
36.2241
1-day change
-0.15%
1Y return
6.0%
3Y CAGR
11.4%
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 28 Nov 2022 to 1 Oct 2026
Returns vs Equity Savings median (24 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.9% | -1.8% |
| 3 months | -1.2% | -0.6% |
| 6 months | 6.8% | 3.3% |
| Year to date | 5.5% | 0.2% |
| 1 year | 6.0% | 2.2% |
| 3 years (CAGR) | 11.4% | 7.0% |
| 5 years (CAGR) | n/a | 6.5% |
| 7 years (CAGR) | n/a | 8.1% |
| 10 years (CAGR) | n/a | 7.2% |
| Since first NAV (CAGR) | 11.9% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 11.5% | 7.7% |
| 3Y rolling median | 13.2% | 8.8% |
| 3Y rolling worst | 11.3% | 1.5% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 8.6% |
| 5Y rolling worst | n/a | 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.) | 8.2% | 5.2% |
| Sharpe ratio | 0.64 | 0.12 |
| Sortino ratio | 0.89 | 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 | −11.7% | −16.5% |
| Maximum drawdown, last 10Y | n/a | −17.7% |
| Maximum drawdown, last 5Y | n/a | −6.2% |
| Current drawdown | −2.4% | −2.3% |
| Recovery time of worst fall | 200 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme hold only part of their money in each of these markets; the mix is set by the scheme and changes over time.
22,421.95 −0.88%
NSE close, 1 Oct 2026
- P/E 19.2: higher than 0% of days since 2023 (median 22.1)
- 1Y −9.0% · 3Y +5.4% p.a. · 5Y +5.9% p.a. (index fund NAV, after costs)
- −14.8% from its 52-week high
6.78%
1 Jul 2026 · +0.43 pp in a year · 5Y average 6.90%
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.40% a year and the Direct plan's 1.41%, a gap of 0.99%; over the last 3 years the Direct plan returned 0.99 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 ₹21,52,094.
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
- 1 Oct 2026: TER reduced from 2.46% to 2.40% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Cheenu Gupta | Primary | 1 Jul 2002 |
| Praveen Ayathan | Primary | 1 Oct 2023 |
| Mahesh Chhabria | Primary | 3 Jul 2015 |
| . Mohd. Asif Rizwi | Primary | 4 Feb 2001 |
| Mayank Chaturvedi | Primary (For Overseas Investment) | 5 Oct 2001 |
| Dipan S. Parikh | Primary (For Investment in Gold / Silver ETFs) | 6 Aug 2026 |
Objective: The investment objective of the Scheme is to generate regular income by predominantly investing in arbitrage opportunities in the cash and derivatives segments of the equity markets and debt and money market instruments and to generate long-term capital appreciation through unhedged exposure to equity and equity related instruments. There is no assurance that the objective of the Scheme will be realised and the Scheme does not assure or guarantee any returns.
Stated asset allocation: A. Equities & Equity related securities :65% to 90% A1. Hedged ^ 25% to 50% A2. Unhedged^^ 15% to 40% B. Debt, Money Market Instruments and Government Securities*:10% to 35% Units issued by InvITs: 0% to 10% Units of Gold and Silver ETFs : 0% to 25% Exchange Traded Commodity Derivatives (ETCDs) : 0% to 10%
Benchmark (tier 1): NIFTY Equity Savings Index
Exit load: If the units redeemed or switched out are upto 10% of the units purchased or switched in (“the limit”) within 1 month from the date of allotment – Nil. If units redeemed or switched out are over and above 10% within 1 month from the date of allotment – 0.50%. If units are redeemed or switched out on or after 1 month from the date of allotment – Nil.
Minimum application: ₹5,000
Allotment date: 18 Oct 2011
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 | 2.40% | 2.15% |
| AUM, whole scheme (₹ crore) | 1,558 | 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) | 6.5% | 1.5% TRI |
| Return, 3 years (AMFI) | 11.4% | 7.1% TRI |
| Return, 5 years (AMFI) | 9.8% | 6.6% TRI |
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 | 5.5% | n/a | – |
| 2025 | 0.9% | n/a | – |
| 2024 | 24.0% | n/a | – |
| 2023 | 17.0% | 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 | ₹1,23,728 | 5.8% |
| 3 years | ₹3,60,000 | ₹4,08,067 | 8.3% |
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: HSBC Mutual Fund
Category: Equity Savings
Plan / option: Regular · Growth
AMFI scheme code: 151058
ISIN: INF917K01AA5
First NAV in MFIC data: 28 Nov 2022
History: 3.8 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 |
|---|---|---|---|
| HSBC Aggressive Hybrid Fund | Aggressive Hybrid | 0.91 | 11.2% |
| HSBC Multi Asset Allocation Fund | Multi Asset Allocation | 0.89 | n/a |
| HSBC Conservative Hybrid Fund | Conservative Hybrid | 0.87 | 7.6% |
| BANK OF INDIA AGGRESSIVE HYBRID FUND | Aggressive Hybrid | 0.86 | 14.6% |
| Bandhan Aggressive Hybrid Fund | Aggressive Hybrid | 0.84 | 11.9% |
| Kotak Aggressive Hybrid Fund | Aggressive Hybrid | 0.84 | 10.4% |
Questions about HSBC Equity Savings Fund
- What is the latest NAV of HSBC Equity Savings Fund?
- The NAV of the Regular plan (growth option) was ₹36.2241 on 1 Oct 2026, as published by AMFI.
- Which category is HSBC 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 HSBC Equity Savings Fund delivered?
- Over one year the NAV changed by 6.0%. The 3-year CAGR is 11.4% (category median 7.0%). 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 13.2%, the lowest was 11.3%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in HSBC Equity Savings Fund's NAV?
- The largest peak-to-trough fall in its available history was 11.7%.
- How volatile is HSBC Equity Savings Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 8.2%, which is above the Equity Savings category median of 5.2%.
- What would a monthly SIP in HSBC Equity Savings Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹4,08,067 on 1 Oct 2026, an annualised return (XIRR) of 8.3%. 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 HSBC Equity Savings Fund?
- The total expense ratio of the Regular plan is 2.40% 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 HSBC Equity Savings Fund?
- Assets under management of the whole scheme were ₹1,558 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of HSBC 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 HSBC 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 11.4% for this plan against 7.1% for the benchmark total return index; over 5 years 9.8% against 6.6%. Past performance does not indicate future results.
- Who manages HSBC Equity Savings Fund?
- According to its Scheme Summary Document, HSBC Equity Savings Fund is managed by Cheenu Gupta (since 1 Jul 2002), Praveen Ayathan (since 1 Oct 2023), Mahesh Chhabria (since 3 Jul 2015), . Mohd. Asif Rizwi (since 4 Feb 2001), Mayank Chaturvedi (since 5 Oct 2001), Dipan S. Parikh (since 6 Aug 2026).
- What is the exit load of HSBC Equity Savings Fund?
- As stated in its scheme documents: If the units redeemed or switched out are upto 10% of the units purchased or switched in (“the limit”) within 1 month from the date of allotment – Nil. If units redeemed or switched out are over and above 10% within 1 month from the date of allotment – 0.50%. If units are redeemed or switched out on or after 1 month from the date of allotment – Nil. Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in HSBC Equity Savings Fund?
- The minimum application amount is ₹5,000. SIP details: SIP - 500 Daily 6; 500 Weekly 6; 500 Monthly 6; 1500 Quarterly 4; Minimum Aggregate Amount: Rs. 6,000/- in multiples of Re.1. SWP - 500 STP - 500;The minimum amount required under the source scheme for registering STP is Rs. 6,000..
- 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 6.9% and the Regular plan's by 6.0%. 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.