HSBC Equity Savings Fund

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

The HSBC Equity Savings Fund is a 14 yrs old fund and has delivered average annual returns of 9.16% since inception. HSBC Equity Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 3.63% 13.43% 13.57% 8.96% 9.16%

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

The HSBC Equity Savings Fund has an expense ratio of 1.52% , 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)
₹34.0322+0.04% 1 day change	9.16% p.a.	App exclusive #NA View Ranked Funds	₹624 Cr

Historical NAV & returns

NAV: ₹34.0322 as on Sep 29, 2025

This fund Category average

HSBC Equity Savings Fund overview

AUM (Fund size)	₹624 Cr
Exit load	1.0% Exit load for units in excess of 0.50% of the investment,1% will be charged for redemption within 1 month.!
Lock-in Period	Nil
Age	14 yrs since Sep 27, 2011
Benchmark	NIFTY Equity Savings TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	1.52% 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%

HSBC 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	0.45%	0.41%
3 Months	3.1%	0.33%
6 Months	9.14%	4.6%
1 Year	3.63%	3.47%
2 Years	13.73%	9.75%
3 Years	13.43%	10.0%
4 Years	10.67%	7.81%
5 Years	13.57%	10.47%
7 Years	10.33%	8.47%
10 Years	8.96%	7.96%

Asset allocationas on Mar 31, 2025

Large Cap 19.18%

Mid Cap 6.84%

Small Cap 3.53%

Other Cap 0%

Top holdings

Eternal Ltd.4.44%

JIO Financial Services Ltd.3.7%

Aditya Infotech Ltd.3.63%

HDFC Bank Ltd.3.03%

Top sectors

Financial 23.80999999999999%

Capital Goods 8.479999999999999%

Services 7.81%

Healthcare 7.3100000000000005%

Cash 42.49378898%

SOV 16.58516647%

A1+ 6.16262904%

AAA 3.44822943%

Top Debt Holdings

GOI 16.29%

Power Finance Corporation Ltd. 3.02%

LIC Housing Finance Ltd. 2.97%

Small Industries Devp. Bank of India Ltd. 1.63%

Allocation by Instruments

Cash Margin 31.53021755%

GOI Securities 16.28746266%

Debenture 7.627991929999999%

Repo 3.14141803%

Other Holdings

Others 0.13%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
HSBC Equity Savings Fund	0.45%	9.14%	3.63%	13.43%	13.57%	8.96%
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%

Fund name	Std. deviation	Beta	Sharpe	Sortino
HSBC Equity Savings Fund	7.31	0.61	0.87	0.85
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

Fund name	ETM Rank	AUM	Fund age	Expense ratio
HSBC Equity Savings Fund	N.A.	624 Cr	14 yrs	1.52%
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%

View all Equity Savings funds

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

Alpha	4.15 vs. 3.05 Higher outperformance against benchmark
Sharpe	0.87 vs. 3.03 Poor risk-adjusted returns
Beta	0.61 vs. 0.67 Less sensitive to market ups & downs
Standard deviation	7.31 vs. 3.88 More volatile performance

Compare HSBC Equity Savings Fund in detail with

About this fund

About HSBC Equity Savings Fund

HSBC Equity Savings Fund is a Equity Savings mutual fund scheme from Hsbc Mutual Fund. This fund has been in existence for 14 yrs, having been launched on 27/09/2011. HSBC Equity Savings Fund has ₹624 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of HSBC Equity Savings Fund as of 29/09/2025 is ₹34.03. The fund has an expense ratio of 1.52%, which is higher than what most other Equity Savings funds charge. Currently, the fund has a 29.55% allocation to equity and 26.20% to Debt.

HSBC Equity Savings Fund returns of last 1-year are 3.17%. Since launch, it has delivered 9.17% average annual returns. The fund has doubled the money invested in it every 6 yrs.
HSBC 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 below average.
The fund's equity portion is primarily invested in Financial, Capital Goods, Services, Healthcare, Communication sectors. It has taken less exposure in Financial, Capital Goods 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 GOI, Eternal Ltd., JIO Financial Services Ltd., Aditya Infotech Ltd., HDFC Bank Ltd..

...

Fund AUM	624 Cr as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Praveen Ayathan

Mr. Praveen is a B.Sc (Mathematics). Prior to joining HSBC Mutual Fund, he has worked with L&T MF, Kotak Mahindra AMC and Dalal & Broacha Stock Broking Pvt. Ltd.

Cheenu Gupta

Ms. Gupta is CFA Charter holder (USA), PGDBM (Finance) & B.E. (I.T) Prior to joining HSBC Mutual Fund, she has worked with L&T Mutual Fund, Canara Robeco Mutual Fund, Tata AIA Life Insurance Company as Fund Manager, ING Investment Management as Senior Research Analyst and UTI AMC Ltd. as Research Analyst.

Mahesh A Chhabria

Mr. Chhabria is a Commerce Graduate and has also pursued FCA and CFA. Prior to joining HSBC MF, he has worked with L&T AMC, Edelweiss Securities Ltd, Darivium Traditions Pvt. Ltd. and FIL Fund Management Pvt. Ltd.

Asif Rizwi

Mr. Rizwi has done B.Tech and PGDM from IIM-C Prior to joining HSBC MF, he has worked with L&T MF, Yes Bank, ICICI Bank, Nomura International plc and Deutsche Bank

Investment objective

The scheme seeks 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.

HSBC Mutual Fund details

No. of schemes	44 view all schemes
Total AUM	1,29,985 Cr as on Jun 30, 2025
Address	9-11th Floor, NESCO - IT Park Bldg. 3, Western Express Highway, Goregaon East, Mumbai, 400063

More funds from HSBC Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
HSBC Aggressive Hybrid Fund	N.A.	5,022 Cr	-0.06%	16.08%
HSBC Balanced Advantage Fund	N.A.	1,471 Cr	1.04%	9.94%
HSBC Conservative Hybrid Fund	N.A.	160 Cr	4.86%	9.25%
HSBC Arbitrage Fund	N.A.	2,245 Cr	6.33%	5.47%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of HSBC Equity Savings Fund?

The current Net Asset Value (NAV) of the HSBC Equity Savings Fund plan is approximately ₹34.0322 as of Sep 29, 2025.

What are the returns of this mutual fund scheme?

The HSBC Equity Savings Fund is a 14 yrs old fund and has delivered average annual returns of 9.16% since inception.

HSBC Equity Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
3.63%	13.43%	13.57%	8.96%	9.16%

How much does this mutual fund charge as expense ratio?

The HSBC Equity Savings Fund has an expense ratio of 1.52%, 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 HSBC Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 624 Cr as on Mar 31, 2025.

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

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

Company	Percentage of Portfolio
Eternal Ltd.	4.44%
JIO Financial Services Ltd.	3.7%
Aditya Infotech Ltd.	3.63%
HDFC Bank Ltd.	3.03%
Divi's Laboratories Ltd.	2.88%
State Bank of India	2.83%
Godfrey Phillips India Ltd.	2.65%
Canara Bank	2.2%
Kotak Mahindra Bank Ltd.	2.08%
Kaynes Technology India Ltd.	2.07%

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

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

Sector	Percentage of Portfolio
Financial	23.80999999999999%
Capital Goods	8.479999999999999%
Services	7.81%
Healthcare	7.3100000000000005%
Communication	5.46%
Consumer Staples	3.52%
Energy	3.24%
Metals & Mining	2.67%
Technology	1.9600000000000002%
Automobile	1.81%

To whom does HSBC Equity Savings Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	16.29%
Power Finance Corporation Ltd.	3.02%
LIC Housing Finance Ltd.	2.97%

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

Credit Quality	Percentage of Portfolio
Cash	42.49378898%
SOV	16.58516647%
A1+	6.16262904%

What is risk level of HSBC 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 HSBC Equity Savings Fund?

Redeeming your investments in the HSBC 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 7.15% 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 0.50% of the investment,1% will be charged for redemption within 1 month.