Tata Equity Savings Fund

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

The Tata Equity Savings Fund is a 28 yrs 10 m old fund and has delivered average annual returns of 8.8% since inception. Tata Equity Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.98% 9.74% 8.0% 7.91% 8.8%

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

The Tata Equity Savings Fund has an expense ratio of 1.14% , 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 Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹56.0722-0.17% 1 day change	8.8% p.a.	App exclusive #NA View Ranked Funds	₹278 Cr

Historical NAV & returns

NAV: ₹56.0722 as on Feb 02, 2026

This fund Category average

Tata Equity Savings Fund overview

AUM (Fund size)	₹278 Cr
Exit load	0.25% Exit load of 0.25%, if redeemed within 7 days.!
Lock-in Period	Nil
Age	28 yrs 10 m since Mar 19, 1997
Benchmark	NIFTY Equity Savings TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.14% as on Feb 02, 2026
Plan type	Regular
Risk	Low to 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%

Tata 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 Feb 03, 2026

Period	This fund	Category average
1 Month	-1.14%	-1.17%
3 Months	0.05%	-0.56%
6 Months	1.71%	1.52%
1 Year	5.98%	5.89%
2 Years	7.7%	6.4%
3 Years	9.74%	8.78%
4 Years	7.92%	7.06%
5 Years	8.0%	7.46%
7 Years	8.5%	7.9%
10 Years	7.91%	7.68%

Asset allocationas on Dec 31, 2025

Large Cap 17.51%

Mid Cap 1.85%

Small Cap 0.32%

Other Cap 0%

Top holdings

HDFC Bank Ltd.7.75%

Bharti Airtel Ltd.6.33%

ICICI Bank Ltd.5.87%

State Bank of India5.69%

Top sectors

Financial 26.8%

Energy 9.3%

Communication 6.41%

Construction 4.81%

Cash 48.4613322%

SOV 15.57332965%

Cash & Call Money 11.98768745%

A1+ 2.939792%

Top Debt Holdings

GOI 14.73%

Allocation by Instruments

Cash Margin 48.4613322%

GOI Securities 14.722815650000001%

Repo 11.41525461%

Mutual Fund 5.02842969%

Other Holdings

Others 11.42%

Tata Money Market Fund Direct-Growth 2.96%

Tata Short Term Bond Direct Plan-Growth 2.06%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Tata Equity Savings Fund	-1.14%	1.71%	5.98%	9.74%	8.0%	7.91%
Kotak Equity Savings Fund	-2.82%	2.25%	6.3%	10.64%	9.78%	9.42%
Edelweiss Equity Savings Fund	-1.26%	2.49%	7.48%	10.96%	9.05%	9.26%
UTI Equity Savings Fund	-1.04%	3.88%	7.36%	10.58%	9.7%	6.56%
ICICI Prudential Equity Savings Fund	-0.69%	2.52%	6.93%	8.46%	7.93%	8.71%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Tata Equity Savings Fund	3.38	0.45	1.02	1.76
Kotak Equity Savings Fund	5.2	0.69	0.86	1.04
Edelweiss Equity Savings Fund	3.47	0.44	1.34	1.86
UTI Equity Savings Fund	4.04	0.55	1.09	1.56
ICICI Prudential Equity Savings Fund	2.39	0.29	0.89	1.33

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Tata Equity Savings Fund	N.A.	278 Cr	28 yrs 10 m	1.14%
Kotak Equity Savings Fund	N.A.	9,651 Cr	11 yrs 4 m	1.75%
Edelweiss Equity Savings Fund	N.A.	1,195 Cr	11 yrs 4 m	1.58%
UTI Equity Savings Fund	N.A.	810 Cr	7 yrs 5 m	1.67%
ICICI Prudential Equity Savings Fund	N.A.	18,060 Cr	11 yrs 2 m	0.98%

View all Equity Savings funds

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

Alpha	1.38 vs. 3.25 Underperformed at beating benchmark
Sharpe	1.02 vs. 3.24 Poor risk-adjusted returns
Beta	0.45 vs. 0.77 Less sensitive to market ups & downs
Standard deviation	3.38 vs. 3.72 More stable returns

Compare Tata Equity Savings Fund in detail with

About this fund

About Tata Equity Savings Fund

Tata Equity Savings Fund is a Equity Savings mutual fund scheme from Tata Mutual Fund. This fund has been in existence for 28 yrs 10 m, having been launched on 19/03/1997. Tata Equity Savings Fund has ₹278 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Tata Equity Savings Fund as of 02/02/2026 is ₹56.07. The fund has an expense ratio of 1.14%, which is higher than what most other Equity Savings funds charge. Currently, the fund has a 19.68% allocation to equity and 19.87% to Debt.

Tata Equity Savings Fund returns of last 1-year are 5.70%. Since launch, it has delivered 8.77% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Tata 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, Communication, Unclassified, Construction 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 GOI, HDFC Bank Ltd., Bharti Airtel Ltd., ICICI Bank Ltd., State Bank of India.

...

Fund AUM	278 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Murthy Nagarajan

Mr. Nagarajan is a M.Com, ICWA and PGPMS. Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..

Sailesh Jain

Mr. Jain is a Commerce Graduate and an MBA. Prior to joining TATA Mutual Fund, he has worked with Invesco Mutual Fund, IDFC Securities Ltd. as Head Derivatives, Quant Broking Pvt Ltd. as Vice President and IIFL(India Infoline) as Vice President.

Tapan Patel

Mr. Patel has done BBA, CFA and MFA from ICFAI Prior to joining Tata Mutual Fund, he has worked with HDFC Securities Ltd, LKP Securities Ltd, Kotak Commodity Services Pvt. Ltd and Edelweiss Comtrade Ltd.

Investment objective

The scheme aims to provide long term capital appreciation by investing in equity and equity related instruments, equity arbitrage opportunities and investments in debt and money market instruments.

Tata Mutual Fund details

No. of schemes	61 view all schemes
Total AUM	2,25,719 Cr as on Dec 31, 2025
Address	9th Floor, Mafatlal Centre, Nariman Point, Mumbai, 400021
Email	service@tataamc.com
Phone	1800-209-0101

More funds from Tata Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Tata Multi Asset Allocation Fund	N.A.	4,805 Cr	14.32%	13.75%
Tata Aggressive Hybrid Fund	N.A.	4,179 Cr	4.95%	11.26%
Tata Retirement Savings Moderate Fund	N.A.	2,166 Cr	2.64%	10.79%
Tata Balanced Advantage Fund	N.A.	9,691 Cr	5.5%	9.73%
Tata Retirement Savings Conservative Fund	N.A.	173 Cr	3.68%	6.13%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Tata Equity Savings Fund?

The current Net Asset Value (NAV) of the Tata Equity Savings Fund plan is approximately ₹56.0722 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Tata Equity Savings Fund is a 28 yrs 10 m old fund and has delivered average annual returns of 8.8% since inception.

Tata Equity Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.98%	9.74%	8.0%	7.91%	8.8%

How much does this mutual fund charge as expense ratio?

The Tata Equity Savings Fund has an expense ratio of 1.14%, 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 Tata Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 278 Cr as on Dec 31, 2025.

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

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

Company	Percentage of Portfolio
HDFC Bank Ltd.	7.75%
Bharti Airtel Ltd.	6.33%
ICICI Bank Ltd.	5.87%
State Bank of India	5.69%
Axis Bank Ltd.	5.22%
Reliance Industries Ltd.	4.9%
Larsen & Toubro Ltd.	4.81%
Adani Ports and Special Economic Zone Ltd.	4.01%
NTPC Ltd.	3.99%
Ambuja Cements Ltd.	3.44%

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

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

Sector	Percentage of Portfolio
Financial	26.8%
Energy	9.3%
Communication	6.41%
Construction	4.81%
Services	4.789999999999999%
Healthcare	4.05%
Materials	3.7199999999999998%
Insurance	2.28%
Technology	1.9700000000000002%
Automobile	1.6400000000000001%

To whom does Tata Equity Savings Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	14.73%

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

Credit Quality	Percentage of Portfolio
Cash	48.4613322%
SOV	15.57332965%
Cash & Call Money	11.98768745%

What is risk level of Tata Equity Savings Fund?

This is a Equity Savings fund comes with Low to 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 Tata Equity Savings Fund?

Redeeming your investments in the Tata 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

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst Equity Savings funds in the last 10 Years.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 0.25%, if redeemed within 7 days.