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4 Best Performing Equity Savings Funds 2025
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.
Top 4 Best Equity Savings Funds FY 25 - 26
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Principal Equity Savings Fund Growth ₹66.0382
↓ -0.10 ₹1,067 -3.4 -2.4 6.8 10.2 13.2 12.6 Kotak Equity Savings Fund Growth ₹24.4363
↑ 0.02 ₹8,177 -5 -3.9 4.7 10.1 11.2 11.7 L&T Equity Savings Fund Growth ₹30.4697
↓ -0.01 ₹646 -10.4 -5.9 7.2 10.1 12.3 24 Edelweiss Equity Savings Fund Growth ₹23.7238
↑ 0.01 ₹572 -1.5 -0.6 7.9 9.6 10.6 13.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Mar 25 Equity Savings funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.
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 Principal Equity Savings Fund is a Hybrid - Equity Savings fund was launched on 23 May 02. It is a fund with Moderately High risk and has given a Below is the key information for Principal 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. Kotak Equity Savings Fund is a Hybrid - Equity Savings fund was launched on 13 Oct 14. It is a fund with Moderately High risk and has given a Below is the key information for Kotak Equity Savings Fund Returns up to 1 year are on 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. L&T Equity Savings Fund is a Hybrid - Equity Savings fund was launched on 18 Oct 11. It is a fund with Moderately High risk and has given a Below is the key information for L&T 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" Edelweiss Equity Savings Fund is a Hybrid - Equity Savings fund was launched on 13 Oct 14. It is a fund with Moderately High risk and has given a Below is the key information for Edelweiss Equity Savings Fund Returns up to 1 year are on 1. Principal Equity Savings Fund
CAGR/Annualized return of 8.6% since its launch. Ranked 38 in Equity Savings category. Return for 2024 was 12.6% , 2023 was 15.3% and 2022 was 4.1% . Principal Equity Savings Fund
Growth Launch Date 23 May 02 NAV (11 Mar 25) ₹66.0382 ↓ -0.10 (-0.15 %) Net Assets (Cr) ₹1,067 on 31 Jan 25 Category Hybrid - Equity Savings AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆ Risk Moderately High Expense Ratio 2.23 Sharpe Ratio 0.82 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹12,085 28 Feb 22 ₹13,632 28 Feb 23 ₹14,120 29 Feb 24 ₹16,916 28 Feb 25 ₹18,048 Returns for Principal Equity Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Mar 25 Duration Returns 1 Month -1.1% 3 Month -3.4% 6 Month -2.4% 1 Year 6.8% 3 Year 10.2% 5 Year 13.2% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 12.6% 2023 15.3% 2022 4.1% 2021 18.2% 2020 14.6% 2019 5.1% 2018 1.6% 2017 15% 2016 5.5% 2015 3.6% Fund Manager information for Principal Equity Savings Fund
Name Since Tenure Dwijendra Srivastava 1 Jan 22 3.16 Yr. Sudhir Kedia 29 Oct 19 5.34 Yr. Rohit Seksaria 1 Jan 22 3.16 Yr. Data below for Principal Equity Savings Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 49.89% Equity 30.83% Debt 19.28% Equity Sector Allocation
Sector Value Financial Services 21.31% Consumer Cyclical 10.02% Technology 8.85% Energy 8.35% Industrials 6.67% Communication Services 5.78% Consumer Defensive 4.31% Health Care 3.57% Basic Materials 2.65% Utility 0.54% Real Estate 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 45.49% Government 15.89% Corporate 7.78% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 18 | RELIANCE8% ₹86 Cr 681,500 Future on Reliance Industries Ltd
Derivatives | -7% -₹77 Cr 609,500 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹67 Cr 6,500,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 24 | BHARTIARTL5% ₹54 Cr 329,625
↑ 6,650 Infosys Ltd (Technology)
Equity, Since 30 Jun 21 | INFY5% ₹49 Cr 260,700
↑ 47,200 Infosys Limited February 2025
Derivatives | -4% -₹42 Cr 222,400
↑ 222,400 Future on Bharti Airtel Ltd
Derivatives | -4% -₹40 Cr 244,625
↑ 6,650 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 17 | 5322154% ₹38 Cr 380,500 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | ICICIBANK4% ₹37 Cr 298,800
↑ 72,800 Future on HCL Technologies Ltd
Derivatives | -3% -₹33 Cr 191,100
↑ 131,600 2. Kotak Equity Savings Fund
CAGR/Annualized return of 9% since its launch. Return for 2024 was 11.7% , 2023 was 15.7% and 2022 was 6.8% . Kotak Equity Savings Fund
Growth Launch Date 13 Oct 14 NAV (11 Mar 25) ₹24.4363 ↑ 0.02 (0.10 %) Net Assets (Cr) ₹8,177 on 31 Jan 25 Category Hybrid - Equity Savings AMC Kotak Mahindra Asset Management Co Ltd Rating Risk Moderately High Expense Ratio 1.88 Sharpe Ratio 0.38 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 29 Feb 20 ₹10,000 28 Feb 21 ₹11,310 28 Feb 22 ₹12,463 28 Feb 23 ₹13,216 29 Feb 24 ₹15,702 28 Feb 25 ₹16,356 Returns for Kotak Equity Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Mar 25 Duration Returns 1 Month -1% 3 Month -5% 6 Month -3.9% 1 Year 4.7% 3 Year 10.1% 5 Year 11.2% 10 Year 15 Year Since launch 9% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 6.4% Fund Manager information for Kotak Equity Savings Fund
Name Since Tenure Abhishek Bisen 13 Oct 14 10.39 Yr. Devender Singhal 1 Apr 21 3.92 Yr. Hiten Shah 3 Oct 19 5.41 Yr. Data below for Kotak Equity Savings Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 48.15% Equity 34.84% Debt 16.09% Other 0.92% Equity Sector Allocation
Sector Value Financial Services 14.57% Consumer Cyclical 11.11% Communication Services 9.32% Utility 6.36% Basic Materials 6.18% Industrials 5.06% Consumer Defensive 5.04% Energy 4.49% Technology 3.54% Health Care 1.04% Real Estate 0.31% Debt Sector Allocation
Sector Value Cash Equivalent 44.86% Corporate 10.09% Government 9.01% Securitized 0.3% Credit Quality
Rating Value AA 9.68% AAA 90.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kotak Liquid Dir Gr
Investment Fund | -5% ₹375 Cr 724,439 Indus Towers Ltd Ordinary Shares (Communication Services)
Equity, Since 30 Jun 24 | 5348164% ₹356 Cr 10,267,098 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 17 | BHARTIARTL4% ₹317 Cr 1,951,880
↑ 50,000 Bharti Airtel Ltd-FEB2025
Derivatives | -3% -₹262 Cr 1,600,750
↑ 1,600,750 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 14 | MARUTI3% ₹254 Cr 205,988
↓ -1,650 HDFC Bank Ltd.-FEB2025
Derivatives | -3% -₹247 Cr 1,447,050
↑ 1,447,050 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 14 | HDFCBANK3% ₹246 Cr 1,447,050 Indus Towers Ltd.-FEB2025
Derivatives | -3% -₹245 Cr 7,031,200
↑ 7,031,200 Vedanta Ltd.-FEB2025
Derivatives | -2% -₹204 Cr 4,604,600
↑ 4,604,600 Vedanta Ltd (Basic Materials)
Equity, Since 30 Jun 24 | 5002952% ₹203 Cr 4,604,600 3. L&T Equity Savings Fund
CAGR/Annualized return of 8.7% since its launch. Ranked 46 in Equity Savings category. Return for 2024 was 24% , 2023 was 17% and 2022 was 2% . L&T Equity Savings Fund
Growth Launch Date 18 Oct 11 NAV (11 Mar 25) ₹30.4697 ↓ -0.01 (-0.04 %) Net Assets (Cr) ₹646 on 31 Jan 25 Category Hybrid - Equity Savings AMC L&T Investment Management Ltd Rating ☆☆ Risk Moderately High Expense Ratio 1.49 Sharpe Ratio 0.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 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 29 Feb 20 ₹10,000 28 Feb 21 ₹11,608 28 Feb 22 ₹13,018 28 Feb 23 ₹13,347 29 Feb 24 ₹16,217 28 Feb 25 ₹17,287 Returns for L&T Equity Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Mar 25 Duration Returns 1 Month -1.9% 3 Month -10.4% 6 Month -5.9% 1 Year 7.2% 3 Year 10.1% 5 Year 12.3% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 24% 2023 17% 2022 2% 2021 16.1% 2020 10.8% 2019 3.7% 2018 -0.6% 2017 13.8% 2016 4.6% 2015 5.1% Fund Manager information for L&T Equity Savings Fund
Name Since Tenure Mahesh Chhabria 15 Jul 23 1.63 Yr. Praveen Ayathan 1 Oct 23 1.42 Yr. Cheenu Gupta 2 Jul 21 3.67 Yr. Sonal Gupta 1 Oct 23 1.42 Yr. Abhishek Gupta 1 Apr 24 0.92 Yr. Hitesh Gondhia 1 Oct 23 1.42 Yr. Mohd Asif Rizwi 1 Feb 25 0.08 Yr. Data below for L&T Equity Savings Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 10.4% Equity 69.69% Debt 19.91% Equity Sector Allocation
Sector Value Financial Services 35.89% Industrials 11.65% Consumer Cyclical 9.62% Technology 6.12% Energy 2.24% Health Care 1.82% Basic Materials 1.25% Utility 1.03% Real Estate 0.04% Consumer Defensive 0.02% Debt Sector Allocation
Sector Value Government 16.63% Cash Equivalent 10.4% Corporate 3.28% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity BSE Ltd (Financial Services)
Equity, Since 31 Oct 24 | BSE4% ₹27 Cr 50,000
↑ 30,000 IndusInd Bank Ltd (Financial Services)
Equity, Since 31 Aug 24 | INDUSINDBK4% ₹23 Cr 232,500 State Bank of India (Financial Services)
Equity, Since 31 Aug 24 | SBIN3% ₹22 Cr 278,250 Transformers & Rectifiers (India) Ltd (Industrials)
Equity, Since 31 Jan 24 | TARIL3% ₹21 Cr 240,866 Zomato Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | 5433203% ₹21 Cr 950,000
↑ 300,000 Persistent Systems Ltd (Technology)
Equity, Since 28 Feb 18 | PERSISTENT3% ₹20 Cr 33,160
↑ 30,000 City Union Bank Ltd (Financial Services)
Equity, Since 31 Oct 24 | CUB3% ₹20 Cr 1,135,000 7.06% Govt Stock 2028
Sovereign Bonds | -3% ₹20 Cr 1,900,000
↑ 1,500,000 Trent Ltd (Consumer Cyclical)
Equity, Since 29 Feb 24 | 5002512% ₹16 Cr 28,000 7.32% Govt Stock 2030
Sovereign Bonds | -2% ₹16 Cr 1,500,000 4. Edelweiss Equity Savings Fund
CAGR/Annualized return of 8.7% since its launch. Return for 2024 was 13.4% , 2023 was 12.9% and 2022 was 3.2% . Edelweiss Equity Savings Fund
Growth Launch Date 13 Oct 14 NAV (11 Mar 25) ₹23.7238 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹572 on 31 Jan 25 Category Hybrid - Equity Savings AMC Edelweiss Asset Management Limited Rating Risk Moderately High Expense Ratio 1.66 Sharpe Ratio 1.03 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 29 Feb 20 ₹10,000 28 Feb 21 ₹11,539 28 Feb 22 ₹12,460 28 Feb 23 ₹12,944 29 Feb 24 ₹15,099 28 Feb 25 ₹16,262 Returns for Edelweiss Equity Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Mar 25 Duration Returns 1 Month -0.7% 3 Month -1.5% 6 Month -0.6% 1 Year 7.9% 3 Year 9.6% 5 Year 10.6% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 5.3% Fund Manager information for Edelweiss Equity Savings Fund
Name Since Tenure Bhavesh Jain 1 Oct 21 3.42 Yr. Bharat Lahoti 18 Sep 17 7.45 Yr. Rahul Dedhia 1 Jul 24 0.67 Yr. Pranavi Kulkarni 1 Aug 24 0.58 Yr. Data below for Edelweiss Equity Savings Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 60.64% Equity 25.87% Debt 13.49% Equity Sector Allocation
Sector Value Financial Services 17.32% Energy 10.61% Consumer Cyclical 9.2% Basic Materials 8.54% Industrials 8.2% Technology 3.89% Health Care 3.58% Utility 2.52% Communication Services 2.02% Consumer Defensive 1.94% Real Estate 0.45% Debt Sector Allocation
Sector Value Cash Equivalent 51.98% Corporate 13.87% Government 8.01% Securitized 0.27% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 21 | RELIANCE8% ₹44 Cr 351,032
↑ 11,250 Future on Reliance Industries Ltd
Derivatives | -7% -₹38 Cr 299,500 7.18% Govt Stock 2033
Sovereign Bonds | -4% ₹26 Cr 2,500,000 Hdb Financial Services Ltd.
Debentures | -4% ₹25 Cr 2,500,000 Future on UPL Ltd
Derivatives | -4% -₹22 Cr 363,140 Future on Aditya Birla Fashion and Retail Ltd
Derivatives | -4% -₹20 Cr 741,000 Aditya Birla Fashion and Retail Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | ABFRL4% ₹20 Cr 741,000 Future on Adani Ports & Special Economic Zone Ltd
Derivatives | -3% -₹15 Cr 136,000 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 30 Apr 20 | ADANIPORTS3% ₹15 Cr 136,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Oct 14 | LT2% ₹13 Cr 37,178
↑ 3,996
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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