Nippon India Equity Savings Fund

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

The Nippon India Equity Savings Fund is a 10 yrs 4 m old fund and has delivered average annual returns of 4.65% since inception. Nippon India Equity Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 2.62% 8.91% 9.74% 4.68% 4.65%

NAV as of Sep 29, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹16.0171-0.01% 1 day change	4.65% p.a.	App exclusive #NA View Ranked Funds	₹776 Cr

Historical NAV & returns

NAV: ₹16.0171 as on Sep 29, 2025

This fund Category average

Nippon India Equity Savings Fund overview

AUM (Fund size)	₹776 Cr
Exit load	1.0% Exit load for units in excess of 10% of the investment,1% will be charged for redemption within 15 days.!
Lock-in Period	Nil
Age	10 yrs 4 m since May 12, 2015
Benchmark	NIFTY Equity Savings TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.76% as on Aug 31, 2025
Plan type	Regular
Risk	Moderate
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%

Nippon India 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	0.38%	0.41%
3 Months	0.06%	0.33%
6 Months	3.35%	4.6%
1 Year	2.62%	3.47%
2 Years	7.75%	9.75%
3 Years	8.91%	10.0%
4 Years	6.68%	7.81%
5 Years	9.74%	10.47%
7 Years	3.58%	8.47%
10 Years	4.68%	7.96%

Asset allocationas on Aug 31, 2025

Large Cap 22.65%

Mid Cap 1.46%

Small Cap 0%

Other Cap 0%

Top holdings

HDFC Bank Ltd.6.53%

ICICI Bank Ltd.6.41%

Bharti Airtel Ltd.5.54%

Reliance Industries Ltd.4.88%

Top sectors

Financial 23.509999999999998%

Automobile 6.600000000000001%

Energy 6.02%

Communication 5.54%

Cash 47.49013668%

SOV 12.68919047%

AAA 6.5446842%

Cash & Call Money 4.65631686%

Top Debt Holdings

GOI 12.7%

Godrej Housing Finance Ltd. 1.32%

REC Ltd. 1.28%

Indian Railway Finance Corporation Ltd. 0.67%

Allocation by Instruments

Cash Margin 47.49013668%

GOI Securities 12.68919047%

Debenture 5.16191473%

Repo 4.48627601%

Other Holdings

Others 0.17%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Nippon India Equity Savings Fund	0.38%	3.35%	2.62%	8.91%	9.74%	4.68%
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
Nippon India Equity Savings Fund	3.71	0.43	0.51	0.95
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
Nippon India Equity Savings Fund	N.A.	776 Cr	10 yrs 4 m	1.76%
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	0.35 vs. 3.05 Underperformed at beating benchmark
Sharpe	0.51 vs. 3.03 Poor risk-adjusted returns
Beta	0.43 vs. 0.67 Less sensitive to market ups & downs
Standard deviation	3.71 vs. 3.88 More stable returns

Compare Nippon India Equity Savings Fund in detail with

About this fund

About Nippon India Equity Savings Fund

Nippon India Equity Savings Fund is a Equity Savings mutual fund scheme from Nippon India Mutual Fund. This fund has been in existence for 10 yrs 4 m, having been launched on 12/05/2015. Nippon India Equity Savings Fund has ₹776 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 Nippon India Equity Savings Fund as of 29/09/2025 is ₹16.02. The fund has an expense ratio of 1.76%, which is higher than what most other Equity Savings funds charge. Currently, the fund has a 24.12% allocation to equity and 23.74% to Debt.

Nippon India Equity Savings Fund returns of last 1-year are 2.32%. Since launch, it has delivered 4.66% average annual returns.
Nippon India 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 average.
The fund's equity portion is primarily invested in Financial, Automobile, Energy, Communication, Construction sectors. It has taken less exposure in Financial, Automobile 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, HDFC Bank Ltd., ICICI Bank Ltd., Bharti Airtel Ltd., Reliance Industries Ltd..

...

Fund AUM	776 Cr as on Aug 31, 2025
Scheme document	View Scheme Document

Fund managers

Sushil Budhia

Mr. Budhia has done CA Prior to joining Nippon India Mutual Fund, he has worked with YES Bank as Senior President, Axis Bank and UTI Mutual Fund.

Ashutosh Bhargava

Mr. Bhargava is B.Com & MBA (Finance) Prior to joining Nippon India Mutual Fund he has worked with Reliance Capital Ltd and JP Morgan India Service Pvt. Ltd.

Investment objective

The scheme seeks to generate income and capital appreciation by investing in arbitrage opportunities & pure equity investments along with investments in debt securities & money market instruments.

Nippon India Mutual Fund details

No. of schemes	71 view all schemes
Total AUM	6,17,875 Cr as on Jun 30, 2025
Address	4th Floor, Tower A, Peninsula Business Park, Ganapatrao Kadam Marg, Lower Parel (W), Mumbai, 400013

More funds from Nippon India Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Nippon India Aggressive Hybrid Fund	N.A.	3,811 Cr	-1.11%	19.32%
Nippon India Balanced Advantage Fund	N.A.	9,317 Cr	1.14%	13.79%
Nippon India Conservative Hybrid Fund	N.A.	827 Cr	7.27%	9.01%
Nippon India Arbitrage Fund	N.A.	14,511 Cr	6.34%	5.57%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Nippon India Equity Savings Fund?

The current Net Asset Value (NAV) of the Nippon India Equity Savings Fund plan is approximately ₹16.0171 as of Sep 29, 2025.

What are the returns of this mutual fund scheme?

The Nippon India Equity Savings Fund is a 10 yrs 4 m old fund and has delivered average annual returns of 4.65% since inception.

Nippon India Equity Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
2.62%	8.91%	9.74%	4.68%	4.65%

How much does this mutual fund charge as expense ratio?

The Nippon India Equity Savings Fund has an expense ratio of 1.76%, 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 Nippon India Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 776 Cr as on Aug 31, 2025.

What are the top stock holdings of Nippon India Equity Savings Fund?

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

Company	Percentage of Portfolio
HDFC Bank Ltd.	6.53%
ICICI Bank Ltd.	6.41%
Bharti Airtel Ltd.	5.54%
Reliance Industries Ltd.	4.88%
Larsen & Toubro Ltd.	4.82%
Mahindra & Mahindra Ltd.	4.28%
Kotak Mahindra Bank Ltd.	3.43%
Vedanta Ltd.	3.21%
Axis Bank Ltd.	2.96%
Grasim Industries Ltd.	2.86%

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

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

Sector	Percentage of Portfolio
Financial	23.509999999999998%
Automobile	6.600000000000001%
Energy	6.02%
Communication	5.54%
Construction	5.13%
Metals & Mining	4.78%
Technology	3.54%
Materials	3.2399999999999998%
Consumer Staples	3.0700000000000003%
Healthcare	2.36%

To whom does Nippon India Equity Savings Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	12.7%
Godrej Housing Finance Ltd.	1.32%
REC Ltd.	1.28%

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

Credit Quality	Percentage of Portfolio
Cash	47.49013668%
SOV	12.68919047%
AAA	6.5446842%

What is risk level of Nippon India Equity Savings Fund?

This is a Equity Savings fund comes with Moderate 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 Nippon India Equity Savings Fund?

Redeeming your investments in the Nippon India 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 5 Years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load for units in excess of 10% of the investment,1% will be charged for redemption within 15 days.