4 Best Performing Equity Savings Funds 2026

Updated on October 25, 2026 , 10936 views

Equity savings funds fall under the hybrid category of Mutual Funds. This is the latest type of Asset Allocation mutual funds introduced in late 2014. Equity savings funds invest in arbitrage, equity and debt. This fund will invest at least 65 percent of its total assets in equities (most of it in arbitrage) and rest in debt instruments, but the minimum investment in debt should be 10 percent. Equity savings funds are getting popular amongst investors who want to invest in equities yet at the same time want to be safe. So, let’s learn about this fund, along with some of the best performing equity savings funds to invest.

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An Overview About Equity Savings Funds

Equity savings funds seek to generate stable income by Investing in debt instruments and aims for potentially higher returns through equity investments. Thus, these funds act as a balancing equation between both risk and return.

Ideally, arbitrage takes advantage of the difference in prices of shares in the cash and derivatives market. Use of derivatives reduces net equity exposure (i.e., ideally 20-40 percent, though this may vary fund to fund) and usually protects investor from unstable returns.

Since, equity savings funds have 65 percent of equity exposure (without considering derivatives), they are treated under Equity Mutual Funds taxation. Equity savings funds are considered to be an ideal investment option for conservative investors who want to invest for a short-term i.e., for 1-3 years.

Investors planning to invest in these funds should take a SIP route as this eliminates the worry of timing the market. Post-retirement you can use SWP (Systematic Withdrawal Plan) option to enable pre-determine withdrawals at a periodic interval.

Fund Selection Methodology used to find 4 funds

Category: Hybrid
Sub-category: Equity%20Savings
AUM Range: 100 to 1000000 Cr
Sorted On : 3-year return (high to low)
Tags: fcpro
No Of Funds: 4

Top 4 Best Equity Savings Funds FY 26 - 27

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Tata Equity Savings Fund Growth	₹56.3583 ↑ 0.03	₹285	-0.1	1.8	6.9	9.8	8
Edelweiss Equity Savings Fund Growth	₹27.0028 ↑ 0.02	₹1,704	0	2.7	4	9.8	7.9	8
Kotak Equity Savings Fund Growth	₹26.8087 ↓ -0.01	₹10,443	-2.1	-0.9	-0.8	8.2	8	7.9
Axis Equity Saver Fund Growth	₹22.82 ↓ -0.01	₹855	-1	2	1	7.9	5.9	5.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Feb 26

Research Highlights & Commentary of 4 Funds showcased

Commentary	Tata Equity Savings Fund	Edelweiss Equity Savings Fund	Kotak Equity Savings Fund	Axis Equity Saver Fund
Point 1	Bottom quartile AUM (₹285 Cr).	Upper mid AUM (₹1,704 Cr).	Highest AUM (₹10,443 Cr).	Lower mid AUM (₹855 Cr).
Point 2	Oldest track record among peers (29 yrs).	Established history (12+ yrs).	Established history (12+ yrs).	Established history (11+ yrs).
Point 3	Not Rated.	Not Rated.	Not Rated.	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.
Point 5	5Y return: 8.02% (top quartile).	5Y return: 7.89% (lower mid).	5Y return: 8.01% (upper mid).	5Y return: 5.88% (bottom quartile).
Point 6	3Y return: 9.85% (top quartile).	3Y return: 9.78% (upper mid).	3Y return: 8.18% (lower mid).	3Y return: 7.95% (bottom quartile).
Point 7	1Y return: 6.88% (top quartile).	1Y return: 3.99% (upper mid).	1Y return: -0.76% (bottom quartile).	1Y return: 0.97% (lower mid).
Point 8	1M return: 0.34% (top quartile).	1M return: -1.41% (lower mid).	1M return: -2.40% (bottom quartile).	1M return: -0.87% (upper mid).
Point 9	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.00 (upper mid).	Sharpe: 0.27 (top quartile).	Sharpe: -0.36 (bottom quartile).	Sharpe: -0.32 (lower mid).

Tata Equity Savings Fund

Bottom quartile AUM (₹285 Cr).
Oldest track record among peers (29 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.02% (top quartile).
3Y return: 9.85% (top quartile).
1Y return: 6.88% (top quartile).
1M return: 0.34% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).

Edelweiss Equity Savings Fund

Upper mid AUM (₹1,704 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.89% (lower mid).
3Y return: 9.78% (upper mid).
1Y return: 3.99% (upper mid).
1M return: -1.41% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.27 (top quartile).

Kotak Equity Savings Fund

Highest AUM (₹10,443 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.01% (upper mid).
3Y return: 8.18% (lower mid).
1Y return: -0.76% (bottom quartile).
1M return: -2.40% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.36 (bottom quartile).

Axis Equity Saver Fund

Lower mid AUM (₹855 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 5.88% (bottom quartile).
3Y return: 7.95% (bottom quartile).
1Y return: 0.97% (lower mid).
1M return: -0.87% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.32 (lower mid).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 10 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

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Location: Thane, Maharashtra, India
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Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

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Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
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Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

*Above is list of best Equity Savings funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.

1. Tata Equity Savings Fund

(Erstwhile TATA Regular Savings Equity Fund)

The investment objective of the scheme is to provide long term capital appreciation and income distribution to the investors by predominantly investing in equity and equity related instruments, equity arbitrage opportunities and investments in debt and money market instruments. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The scheme does not assure or guarantee any returns.

Research Highlights for Tata Equity Savings Fund

Bottom quartile AUM (₹285 Cr).
Oldest track record among peers (29 yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.02% (top quartile).
3Y return: 9.85% (top quartile).
1Y return: 6.88% (top quartile).
1M return: 0.34% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (top quartile).

Below is the key information for Tata Equity Savings Fund

Tata Equity Savings Fund Growth
Launch Date	23 Jul 97
NAV (20 Feb 26)	₹56.3583 ↑ 0.03 (0.06 %)
Net Assets (Cr)	₹285 on 31 Jan 26
Category	Hybrid - Equity Savings
AMC	Tata Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.13
Sharpe Ratio	0
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-90 Days (0.25%),90 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value

Tata Equity Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for Tata Equity Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	0.3%
3 Month	-0.1%
6 Month	1.8%
1 Year	6.9%
3 Year	9.8%
5 Year	8%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for Tata Equity Savings Fund

Name	Since	Tenure

Data below for Tata Equity Savings Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. Edelweiss Equity Savings Fund

(Erstwhile Edelweiss Equity Savings Advantage Fund)

"The investment objective of the scheme is to provide capital appreciation and income distribution tothe investors by using equity and equity related instruments, arbitrage opportunities, and investments in debt and money market instruments"

Research Highlights for Edelweiss Equity Savings Fund

Upper mid AUM (₹1,704 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 7.89% (lower mid).
3Y return: 9.78% (upper mid).
1Y return: 3.99% (upper mid).
1M return: -1.41% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.27 (top quartile).
Information ratio: 0.00 (upper mid).

Below is the key information for Edelweiss Equity Savings Fund

Edelweiss Equity Savings Fund Growth
Launch Date	13 Oct 14
NAV (28 Oct 26)	₹27.0028 ↑ 0.02 (0.06 %)
Net Assets (Cr)	₹1,704 on 30 Sep 26
Category	Hybrid - Equity Savings
AMC	Edelweiss Asset Management Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.58
Sharpe Ratio	0.27
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value

Edelweiss Equity Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 Invest Now

Returns for Edelweiss Equity Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	-1.4%
3 Month	0%
6 Month	2.7%
1 Year	4%
3 Year	9.8%
5 Year	7.9%
10 Year
15 Year
Since launch	8.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	8%
2024	13.4%
2023	12.9%
2022	3.2%
2021	11.7%
2020	13%
2019	7%
2018	3.8%
2017	15.1%
2016	4.6%

Fund Manager information for Edelweiss Equity Savings Fund

Name	Since	Tenure

Data below for Edelweiss Equity Savings Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. Kotak Equity Savings Fund

The investment objective of the scheme is to generate capital appreciation and income by predominantly investing in arbitrage opportunities in the cash and derivatives segment of the equity market, and enhance returns with a moderate exposure in equity & equity related instruments.There is no assurance or guarantee that the investment objective of the scheme will be achieved.

Research Highlights for Kotak Equity Savings Fund

Highest AUM (₹10,443 Cr).
Established history (12+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.01% (upper mid).
3Y return: 8.18% (lower mid).
1Y return: -0.76% (bottom quartile).
1M return: -2.40% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: -0.36 (bottom quartile).
Information ratio: 0.00 (lower mid).

Below is the key information for Kotak Equity Savings Fund

Kotak Equity Savings Fund Growth
Launch Date	13 Oct 14
NAV (28 Oct 26)	₹26.8087 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹10,443 on 30 Sep 26
Category	Hybrid - Equity Savings
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.75
Sharpe Ratio	-0.36
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value

Kotak Equity Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for Kotak Equity Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	-2.4%
3 Month	-2.1%
6 Month	-0.9%
1 Year	-0.8%
3 Year	8.2%
5 Year	8%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.9%
2024	11.7%
2023	15.7%
2022	6.8%
2021	11.1%
2020	10.4%
2019	7.8%
2018	4.2%
2017	14%
2016	6.5%

Fund Manager information for Kotak Equity Savings Fund

Name	Since	Tenure

Data below for Kotak Equity Savings Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. Axis Equity Saver Fund

The investment objective of the scheme is to provide capital appreciation and income distribution to the investors by using equity and equity related instruments, arbitrage opportunities, and investments in debt and money market instruments. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.

Research Highlights for Axis Equity Saver Fund

Lower mid AUM (₹855 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 5.88% (bottom quartile).
3Y return: 7.95% (bottom quartile).
1Y return: 0.97% (lower mid).
1M return: -0.87% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: -0.32 (lower mid).
Information ratio: 0.00 (bottom quartile).

Below is the key information for Axis Equity Saver Fund

Axis Equity Saver Fund Growth
Launch Date	14 Aug 15
NAV (28 Oct 26)	₹22.82 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹855 on 30 Sep 26
Category	Hybrid - Equity Savings
AMC	Axis Asset Management Company Limited
Rating	Not Rated
Risk	Moderately High
Expense Ratio	2.28
Sharpe Ratio	-0.33
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value

Axis Equity Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹349,120.
Net Profit of ₹49,120 Invest Now

Returns for Axis Equity Saver Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	-0.9%
3 Month	-1%
6 Month	2%
1 Year	1%
3 Year	7.9%
5 Year	5.9%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.4%
2024	11.1%
2023	14.6%
2022	-0.2%
2021	13.3%
2020	11.6%
2019	8.3%
2018	5.2%
2017	14.7%
2016	2.4%

Fund Manager information for Axis Equity Saver Fund

Name	Since	Tenure

Data below for Axis Equity Saver Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value

Equity Sector Allocation

Sector	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.