+91-22-489139094 Best Performing Equity Savings Funds 2026
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
Top 4 Best Equity Savings Funds FY 26 - 27
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) SBI Equity Savings Fund Growth ₹24.5241
↑ 0.03 ₹5,919 0.1 2.9 10.3 11.6 9 5 Kotak Equity Savings Fund Growth ₹27.2411
↑ 0.11 ₹9,651 0.3 4.4 11.1 11.5 10.1 7.9 Edelweiss Equity Savings Fund Growth ₹26.2103
↑ 0.05 ₹1,195 0.7 3.6 10.1 11.4 9.1 8 HDFC Equity Savings Fund Growth ₹68.133
↑ 0.13 ₹5,897 0.8 3.8 9 10.5 9.6 6.8 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Feb 26 Research Highlights & Commentary of 4 Funds showcased
Commentary SBI Equity Savings Fund Kotak Equity Savings Fund Edelweiss Equity Savings Fund HDFC Equity Savings Fund Point 1 Upper mid AUM (₹5,919 Cr). Highest AUM (₹9,651 Cr). Bottom quartile AUM (₹1,195 Cr). Lower mid AUM (₹5,897 Cr). Point 2 Established history (10+ yrs). Established history (11+ yrs). Established history (11+ yrs). Oldest track record among peers (21 yrs). Point 3 Not Rated. Not Rated. Not Rated. Top rated. Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Point 5 5Y return: 8.96% (bottom quartile). 5Y return: 10.08% (top quartile). 5Y return: 9.06% (lower mid). 5Y return: 9.60% (upper mid). Point 6 3Y return: 11.57% (top quartile). 3Y return: 11.46% (upper mid). 3Y return: 11.36% (lower mid). 3Y return: 10.47% (bottom quartile). Point 7 1Y return: 10.32% (upper mid). 1Y return: 11.08% (top quartile). 1Y return: 10.06% (lower mid). 1Y return: 9.04% (bottom quartile). Point 8 1M return: 0.78% (top quartile). 1M return: 0.41% (bottom quartile). 1M return: 0.75% (upper mid). 1M return: 0.62% (lower 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: -0.11 (bottom quartile). Sharpe: 0.32 (upper mid). Sharpe: 0.48 (top quartile). Sharpe: 0.17 (lower mid). SBI Equity Savings Fund
Kotak Equity Savings Fund
Edelweiss Equity Savings Fund
HDFC Equity Savings Fund
*Above is list of best Equity Savings funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.
The scheme aims to generate income by investing in arbitrage opportunities in the cash and derivatives segment of the equity market, and capital appreciation
through a moderate exposure in equity. Below is the key information for SBI Equity Savings Fund Returns up to 1 year are on 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 Below is the key information for Kotak Equity Savings Fund Returns up to 1 year are on (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 Below is the key information for Edelweiss Equity Savings Fund Returns up to 1 year are on The investment objective of the scheme is to provide capital
appreciation and income distribution to the investors using arbitrage
opportunities, investment in equity / equity related instruments and
debt / money market instruments. Research Highlights for HDFC Equity Savings Fund Below is the key information for HDFC Equity Savings Fund Returns up to 1 year are on 1. SBI Equity Savings Fund
SBI Equity Savings Fund
Growth Launch Date 27 May 15 NAV (17 Feb 26) ₹24.5241 ↑ 0.03 (0.14 %) Net Assets (Cr) ₹5,919 on 31 Dec 25 Category Hybrid - Equity Savings AMC SBI Funds Management Private Limited Rating Risk Moderately High Expense Ratio 1.28 Sharpe Ratio -0.11 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹11,359 31 Jan 23 ₹11,525 31 Jan 24 ₹13,852 31 Jan 25 ₹14,881 31 Jan 26 ₹15,957 Returns for SBI Equity Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 0.8% 3 Month 0.1% 6 Month 2.9% 1 Year 10.3% 3 Year 11.6% 5 Year 9% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 5% 2023 12% 2022 17.5% 2021 1.9% 2020 13.2% 2019 11.9% 2018 9.4% 2017 -0.5% 2016 14.6% 2015 6.2% Fund Manager information for SBI Equity Savings Fund
Name Since Tenure Neeraj Kumar 27 May 15 10.69 Yr. Nidhi Chawla 1 Jan 22 4.09 Yr. Mohit Jain 15 May 25 0.72 Yr. Pradeep Kesavan 1 Jan 24 2.09 Yr. Vandna Soni 1 Jan 24 2.09 Yr. Data below for SBI Equity Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 50% Equity 26.88% Debt 23.11% Other 0.01% Equity Sector Allocation
Sector Value Financial Services 28.93% Basic Materials 8.44% Consumer Cyclical 5.66% Real Estate 5.48% Energy 5.08% Industrials 4.74% Technology 3.64% Consumer Defensive 3.58% Communication Services 3.12% Health Care 1.86% Utility 0.91% Debt Sector Allocation
Sector Value Cash Equivalent 48.79% Corporate 17.01% Government 7.31% Credit Quality
Rating Value A 3.07% AA 46.66% AAA 50.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 15 | HDFCBANK7% ₹422 Cr 4,540,650
↓ -43,450 Reliance Industries Ltd (Energy)
Equity, Since 31 May 15 | RELIANCE5% ₹285 Cr 2,040,662
↑ 8,500 Hdfc Bank Ltd. 24-Feb-26
Derivatives | -5% -₹276 Cr 2,960,650
↑ 2,960,650 Kotak Mahindra Bank Ltd. 24-Feb-26
Derivatives | -4% -₹239 Cr 5,840,000
↑ 5,840,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 22 | KOTAKBANK4% ₹238 Cr 5,840,000
↓ -59,000 State Bank of India (Financial Services)
Equity, Since 29 Feb 16 | SBIN4% ₹233 Cr 2,165,000 State Bank Of India 24-Feb-26
Derivatives | -3% -₹180 Cr 1,665,000
↑ 1,665,000 Icici Bank Ltd. 24-Feb-26
Derivatives | -3% -₹165 Cr 1,214,500
↑ 1,003,100 ICICI Bank Ltd (Financial Services)
Equity, Since 29 Feb 16 | ICICIBANK3% ₹165 Cr 1,214,500
↑ 170,100 SBI Liquid Dir Gr
Investment Fund | -3% ₹151 Cr 355,010 2. Kotak Equity Savings Fund
Kotak Equity Savings Fund
Growth Launch Date 13 Oct 14 NAV (17 Feb 26) ₹27.2411 ↑ 0.11 (0.40 %) Net Assets (Cr) ₹9,651 on 31 Dec 25 Category Hybrid - Equity Savings AMC Kotak Mahindra Asset Management Co Ltd Rating Risk Moderately High Expense Ratio 1.75 Sharpe Ratio 0.32 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 31 Jan 21 ₹10,000 31 Jan 22 ₹11,300 31 Jan 23 ₹11,935 31 Jan 24 ₹13,976 31 Jan 25 ₹15,220 31 Jan 26 ₹16,327 Returns for Kotak Equity Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 0.4% 3 Month 0.3% 6 Month 4.4% 1 Year 11.1% 3 Year 11.5% 5 Year 10.1% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 11.7% 2022 15.7% 2021 6.8% 2020 11.1% 2019 10.4% 2018 7.8% 2017 4.2% 2016 14% 2015 6.5% Fund Manager information for Kotak Equity Savings Fund
Name Since Tenure Abhishek Bisen 13 Oct 14 11.31 Yr. Devender Singhal 1 Apr 21 4.84 Yr. Hiten Shah 3 Oct 19 6.34 Yr. Data below for Kotak Equity Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 50.2% Equity 38.55% Debt 11.22% Other 0.02% Equity Sector Allocation
Sector Value Financial Services 19.03% Consumer Cyclical 12.48% Communication Services 12.17% Technology 7.78% Basic Materials 5.31% Consumer Defensive 4.32% Industrials 4.07% Utility 3.66% Energy 3.31% Real Estate 0.99% Health Care 0.79% Debt Sector Allocation
Sector Value Cash Equivalent 47.45% Corporate 9.98% Government 3.99% Credit Quality
Rating Value AA 5.03% AAA 94.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 30 Apr 24 | SBIN7% ₹689 Cr 6,395,789 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 17 | BHARTIARTL7% ₹670 Cr 3,402,730 Kotak Liquid Dir Gr
Investment Fund | -6% ₹553 Cr 1,003,846 STATE BANK OF INDIA-FEB2026
Derivatives | -4% -₹420 Cr 3,882,750
↑ 3,882,750 Indus Towers Ltd Ordinary Shares (Communication Services)
Equity, Since 30 Jun 24 | INDUSTOWER4% ₹401 Cr 9,028,198 Cnx Nifty-Feb2026
- | -4% -₹381 Cr 149,955
↑ 149,955 Bharti Airtel Ltd-FEB2026
Derivatives | -3% -₹323 Cr 1,634,000
↑ 1,634,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 14 | MARUTI3% ₹303 Cr 207,838 Hero MotoCorp Ltd (Consumer Cyclical)
Equity, Since 31 May 22 | HEROMOTOCO3% ₹260 Cr 470,000 Vedanta Ltd.-FEB2026
Derivatives | -3% -₹253 Cr 3,699,550
↑ 3,699,550 3. Edelweiss Equity Savings Fund
Edelweiss Equity Savings Fund
Growth Launch Date 13 Oct 14 NAV (17 Feb 26) ₹26.2103 ↑ 0.05 (0.18 %) Net Assets (Cr) ₹1,195 on 31 Dec 25 Category Hybrid - Equity Savings AMC Edelweiss Asset Management Limited Rating Risk Moderately High Expense Ratio 1.59 Sharpe Ratio 0.48 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 31 Jan 21 ₹10,000 31 Jan 22 ₹11,245 31 Jan 23 ₹11,528 31 Jan 24 ₹13,265 31 Jan 25 ₹14,715 31 Jan 26 ₹15,896 Returns for Edelweiss Equity Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 0.7% 3 Month 0.7% 6 Month 3.6% 1 Year 10.1% 3 Year 11.4% 5 Year 9.1% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 13.4% 2022 12.9% 2021 3.2% 2020 11.7% 2019 13% 2018 7% 2017 3.8% 2016 15.1% 2015 4.6% Fund Manager information for Edelweiss Equity Savings Fund
Name Since Tenure Kedar Karnik 15 Jan 26 0.04 Yr. Bhavesh Jain 1 Oct 21 4.34 Yr. Bharat Lahoti 18 Sep 17 8.38 Yr. Rahul Dedhia 1 Jul 24 1.59 Yr. Data below for Edelweiss Equity Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 55.63% Equity 32.49% Debt 11.84% Other 0.04% Equity Sector Allocation
Sector Value Financial Services 22.33% Basic Materials 9.68% Communication Services 7.15% Consumer Cyclical 6% Industrials 5.92% Utility 5.5% Energy 4.82% Technology 3.81% Health Care 3.24% Real Estate 1.37% Consumer Defensive 1.18% Debt Sector Allocation
Sector Value Cash Equivalent 50.31% Corporate 12.08% Government 5.09% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Edelweiss Liquid Dir Gr
Investment Fund | -7% ₹90 Cr 255,625
↑ 255,625 HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 18 | HDFCBANK5% ₹55 Cr 593,264
↑ 80,300 ICICI Bank Ltd (Financial Services)
Equity, Since 28 Feb 18 | ICICIBANK4% ₹51 Cr 379,929
↑ 50,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 21 | RELIANCE4% ₹51 Cr 367,751 Hdb Financial Services Limited
Debentures | -4% ₹50 Cr 5,000,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Dec 19 | BHARTIARTL4% ₹45 Cr 230,955
↑ 85,500 Future on HDFC Bank Ltd
Derivatives | -4% -₹43 Cr 464,750
↑ 80,300 Future on Reliance Industries Ltd
Derivatives | -3% -₹38 Cr 271,000 Future on Bharti Airtel Ltd
Derivatives | -3% -₹37 Cr 185,725
↑ 85,500 Edelweiss Low Duration Dir Gr
Investment Fund | -3% ₹36 Cr 340,264 4. HDFC Equity Savings Fund
HDFC Equity Savings Fund
Growth Launch Date 17 Sep 04 NAV (17 Feb 26) ₹68.133 ↑ 0.13 (0.19 %) Net Assets (Cr) ₹5,897 on 31 Dec 25 Category Hybrid - Equity Savings AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.9 Sharpe Ratio 0.17 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹11,834 31 Jan 23 ₹12,309 31 Jan 24 ₹14,328 31 Jan 25 ₹15,423 31 Jan 26 ₹16,494 Returns for HDFC Equity Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26 Duration Returns 1 Month 0.6% 3 Month 0.8% 6 Month 3.8% 1 Year 9% 3 Year 10.5% 5 Year 9.6% 10 Year 15 Year Since launch 9.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 10.3% 2022 13.8% 2021 6% 2020 16.8% 2019 8.8% 2018 5.8% 2017 0.9% 2016 16.5% 2015 14.1% Fund Manager information for HDFC Equity Savings Fund
Name Since Tenure Anil Bamboli 17 Sep 04 21.39 Yr. Arun Agarwal 17 Sep 04 21.39 Yr. Srinivasan Ramamurthy 14 Dec 21 4.13 Yr. Dhruv Muchhal 22 Jun 23 2.61 Yr. Nandita Menezes 29 Mar 25 0.84 Yr. Data below for HDFC Equity Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 8.46% Equity 70.46% Debt 21.08% Equity Sector Allocation
Sector Value Financial Services 22.47% Consumer Cyclical 9.25% Energy 7.84% Technology 7.16% Industrials 5.81% Health Care 5.44% Basic Materials 3.58% Utility 2.99% Communication Services 2.23% Consumer Defensive 2.16% Real Estate 1.52% Debt Sector Allocation
Sector Value Corporate 11.37% Government 10.35% Cash Equivalent 7.82% Credit Quality
Rating Value AA 11.09% AAA 88.91% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 17 | HDFCBANK8% ₹482 Cr 5,186,900 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 15 | RELIANCE6% ₹333 Cr 2,388,500 ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 12 | ICICIBANK4% ₹247 Cr 1,824,100
↓ -564,900 Infosys Ltd (Technology)
Equity, Since 30 Nov 16 | INFY4% ₹247 Cr 1,504,000
↑ 1,004,000 Titan Co Ltd (Consumer Cyclical)
Equity, Since 31 Jul 17 | TITAN3% ₹191 Cr 479,325 State Bank of India (Financial Services)
Equity, Since 30 Sep 12 | SBIN3% ₹189 Cr 1,756,250 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 30 Jun 16 | SUNPHARMA3% ₹178 Cr 1,118,350 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 15 | LT3% ₹167 Cr 425,250
↓ -110,075 7.18% Gs 2033
Sovereign Bonds | -2% ₹134 Cr 13,100,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 17 | BHARTIARTL2% ₹121 Cr 615,000
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.
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Research Highlights for SBI Equity Savings Fund