HDFC Equity Savings Fund

Q: What are the returns of this mutual fund scheme?

The HDFC Equity Savings Fund is a 21 yrs 1 m old fund and has delivered average annual returns of 9.37% since inception. HDFC Equity Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 2.34% 10.42% 12.52% 9.77% 9.37%

Q: How much does this mutual fund charge as expense ratio?

The HDFC Equity Savings Fund has an expense ratio of 1.88% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Sep 29, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹66.103-0.13% 1 day change	9.37% p.a.	App exclusive #NA View Ranked Funds	₹5,691 Cr

Historical NAV & returns

NAV: ₹66.103 as on Sep 29, 2025

This fund Category average

HDFC Equity Savings Fund overview

AUM (Fund size)	₹5,691 Cr
Exit load	1.0% Exit load For units in excess of 15% of the investment,1% will be charged for redemption within 1 month.!
Lock-in Period	Nil
Age	21 yrs 1 m since Aug 20, 2004
Benchmark	NIFTY Equity Savings TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.88% as on Aug 31, 2025
Plan type	Regular
Risk	Moderately High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

HDFC Equity Savings Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 30, 2025

Period	This fund	Category average
1 Month	0.47%	0.41%
3 Months	-0.04%	0.33%
6 Months	4.37%	4.6%
1 Year	2.34%	3.47%
2 Years	10.04%	9.75%
3 Years	10.42%	10.0%
4 Years	8.53%	7.81%
5 Years	12.52%	10.47%
7 Years	9.34%	8.47%
10 Years	9.77%	7.96%

Asset allocationas on Aug 31, 2025

Large Cap 32.11%

Mid Cap 0.99%

Small Cap 2.22%

Other Cap 0%

Top holdings

HDFC Bank Ltd.8.67%

ICICI Bank Ltd.6.81%

Reliance Industries Ltd.5.7%

Titan Company Ltd.3.06%

Top sectors

Financial 21.520000000000003%

Energy 8.469999999999999%

Automobile 5.619999999999999%

Healthcare 5.58%

Cash 30.64430403%

AAA 11.20741939%

SOV 8.50441851%

Cash & Call Money 7.01889513%

Top Debt Holdings

GOI 8.5%

Muthoot Finance Ltd. 1.86%

Punjab National Bank 1.73%

National Bank For Agriculture & Rural Development 1.26%

Allocation by Instruments

Cash Margin 30.64430403%

GOI Securities 8.50441851%

Repo 6.45932881%

Debenture 5.796578619999999%

Other Holdings

Embassy Office Parks REIT 0.82%

Brookfield India Real Estate Trust REIT 0.79%

Powergrid Infrastructure Investment Trust 0.6%

Others 0.56%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
HDFC Equity Savings Fund	0.47%	4.37%	2.34%	10.42%	12.52%	9.77%
Edelweiss Equity Savings Fund	0.45%	5.55%	5.97%	11.33%	10.85%	8.99%
Kotak Equity Savings Fund	1.3%	6.66%	3.67%	11.91%	11.6%	9.34%
UTI Equity Savings Fund	0.61%	3.2%	2.7%	10.82%	11.91%	6.2%
Sundaram Equity Savings Fund	0.33%	4.43%	2.63%	11.39%	11.34%	8.4%
HSBC Equity Savings Fund	0.45%	9.14%	3.63%	13.43%	13.57%	8.96%

Fund name	Std. deviation	Beta	Sharpe	Sortino
HDFC Equity Savings Fund	4.58	0.6	0.7	1.21
Edelweiss Equity Savings Fund	3.74	0.47	1.08	1.55
Kotak Equity Savings Fund	5.08	0.65	0.86	1.14
UTI Equity Savings Fund	4.35	0.57	0.8	1.28
Sundaram Equity Savings Fund	5.35	0.66	0.75	1.41
HSBC Equity Savings Fund	7.31	0.61	0.87	0.85

Fund name	ETM Rank	AUM	Fund age	Expense ratio
HDFC Equity Savings Fund	N.A.	5,691 Cr	21 yrs 1 m	1.88%
Edelweiss Equity Savings Fund	N.A.	843 Cr	11 yrs	1.56%
Kotak Equity Savings Fund	N.A.	8,254 Cr	11 yrs	1.76%
UTI Equity Savings Fund	N.A.	714 Cr	7 yrs 1 m	1.64%
Sundaram Equity Savings Fund	N.A.	1,140 Cr	23 yrs 5 m	2.15%
HSBC Equity Savings Fund	N.A.	624 Cr	14 yrs	1.52%

View all Equity Savings funds

Key risk & return ratios Compared to other funds in the category

Alpha	1.05 vs. 3.05 Underperformed at beating benchmark
Sharpe	0.7 vs. 3.03 Poor risk-adjusted returns
Beta	0.6 vs. 0.67 Less sensitive to market ups & downs
Standard deviation	4.58 vs. 3.88 More volatile performance

Compare HDFC Equity Savings Fund in detail with

About this fund

About HDFC Equity Savings Fund

HDFC Equity Savings Fund is a Equity Savings mutual fund scheme from Hdfc Mutual Fund. This fund has been in existence for 21 yrs 1 m, having been launched on 20/08/2004. HDFC Equity Savings Fund has ₹5,691 Crores worth of assets under management (AUM) as on 31/08/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of HDFC Equity Savings Fund as of 29/09/2025 is ₹66.10. The fund has an expense ratio of 1.88%, which is higher than what most other Equity Savings funds charge. Currently, the fund has a 35.33% allocation to equity and 24.81% to Debt.

HDFC Equity Savings Fund returns of last 1-year are 1.97%. Since launch, it has delivered 9.39% average annual returns. The fund has doubled the money invested in it every 6 yrs.
HDFC Equity Savings Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund's equity portion is primarily invested in Financial, Energy, Automobile, Healthcare, Technology sectors. It has taken less exposure in Financial, Energy sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in HDFC Bank Ltd., GOI, ICICI Bank Ltd., Reliance Industries Ltd., Titan Company Ltd..

...

Fund AUM	5,691 Cr as on Aug 31, 2025
Scheme document	View Scheme Document

Fund managers

Anil Bamboli

Mr. Bamboli is a CFA from Association for Investment Management and Research, U.S.A, Masters in Management Studies (Finance) and a Graduate in Cost and Works Accountant from ICWAI. Prior to joining HDFC AMC he has worked with SBI Fund Management for 11 years.

Arun Agarwal

Mr. Agarwal is a B.Com. and Chartered Accountant Prior to joining HDFC Asset Management Company Limited, he has worked with SBI Funds Management Pvt. Ltd., ICICI Bank Limited, UTI Asset Management Pvt. Ltd.

Srinivasan Ramamurthy

Mr. Ramamurthy is an engineer by qualification from Jadavpur University and has done his MBA from IIM - Calcutta. Prior to joining HDFC Asset Management Company Limited, he has worked with Mahindra Mutual Fund, IDBI Federal Life Insurance, IIFL Capital Limited, Maybank Kim Eng, Credit Suisse and KPMG Advisory.

Nirman S. Morakhia

Mr. Morakhia has done BMS and MBA - Financial Markets Prior to joining HDFC Mutual Fund, he has worked with Mirae Asset Global Investment Management India Pvt. Ltd.

Investment objective

The scheme seeks to provide capital appreciation by investing in Equity & equity related instruments, Arbitrage opportunities, and Debt & money market instruments.

HDFC Mutual Fund details

No. of schemes	77 view all schemes
Total AUM	8,37,348 Cr as on Jun 30, 2025
Address	"HDFC House", 2nd Floor, H. T. Parekh Marg, 165-166, Backbay Reclamation, Churchgate Mumbai, 400020
Email	shareholders.relations@hdfcfund.com
Phone	022 ? 66316333

More funds from HDFC Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
HDFC Balanced Advantage Fund	N.A.	1,01,080 Cr	0.18%	24.24%
HDFC Hybrid Equity Fund	N.A.	23,996 Cr	-0.21%	17.64%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,660 Cr	-2.34%	17.49%
HDFC Multi Asset Fund	N.A.	4,715 Cr	5.42%	15.5%
HDFC Multi-Asset Active FoF	N.A.	4,511 Cr	6.78%	N.A.

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of HDFC Equity Savings Fund?

The current Net Asset Value (NAV) of the HDFC Equity Savings Fund plan is approximately ₹66.103 as of Sep 29, 2025.

What are the returns of this mutual fund scheme?

The HDFC Equity Savings Fund is a 21 yrs 1 m old fund and has delivered average annual returns of 9.37% since inception.

HDFC Equity Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
2.34%	10.42%	12.52%	9.77%	9.37%

How much does this mutual fund charge as expense ratio?

The HDFC Equity Savings Fund has an expense ratio of 1.88%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The HDFC Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 5,691 Cr as on Aug 31, 2025.

What are the top stock holdings of HDFC Equity Savings Fund?

The HDFC Equity Savings Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	8.67%
ICICI Bank Ltd.	6.81%
Reliance Industries Ltd.	5.7%
Titan Company Ltd.	3.06%
Sun Pharmaceutical Industries Ltd.	2.99%
Infosys Ltd.	2.92%
Larsen & Toubro Ltd.	2.28%
Adani Ports and Special Economic Zone Ltd.	2.26%
Bharti Airtel Ltd.	1.89%
Maruti Suzuki India Ltd.	1.68%

What are the top sectors HDFC Equity Savings Fund has invested in?

The HDFC Equity Savings Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	21.520000000000003%
Energy	8.469999999999999%
Automobile	5.619999999999999%
Healthcare	5.58%
Technology	5.119999999999999%
Consumer Staples	3.24%
Consumer Discretionary	3.23%
Services	2.71%
Construction	2.4899999999999998%
Metals & Mining	1.92%

To whom does HDFC Equity Savings Fund lend to?

The top 3 debt holdings of HDFC Equity Savings Fund are as follows

Holding Name	Percentage of Portfolio
GOI	8.5%
Muthoot Finance Ltd.	1.86%
Punjab National Bank	1.73%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The HDFC Equity Savings Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
Cash	30.64430403%
AAA	11.20741939%
SOV	8.50441851%

What is risk level of HDFC Equity Savings Fund?

This is a Equity Savings fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in HDFC Equity Savings Fund?

Redeeming your investments in the HDFC Equity Savings Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Equity Savings

#NA

Return Outperformance: This fund has generated highest return amongst Equity Savings funds in the last 10 Years.
Chance: This fund has generated a 9.01% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load For units in excess of 15% of the investment,1% will be charged for redemption within 1 month.