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Equity Savings Mutual Funds
3 Year Average Returns
8.82%
Funds on Dhan
27
Equity Savings Funds are a type of Hybrid Funds that invest in a mix of equity, debt, and arbitrage. These Funds aim to provide a balanced portfolio that can offer both growth and stability. While these are the best Equity Savings Mutual Funds to invest in, you must know these 3 things before you start investing.
- Goal: Equity Savings Funds invest in a mix of equities, arbitrage opportunities, and fixed-income securities, aiming for moderate growth.
- Investment Horizon: Best suited for moderate-risk investors seeking growth and income over a medium-term horizon, typically 3-5 years.
- Risk: They offer a balanced risk profile, with the potential for equity growth tempered by the stability of fixed income.
Best Equity Savings Funds to Invest in 2026
Note: 3Y & 5Y returns are annualised. Rest everything is absolute.
Scheme | AUM (in Cr.) | Fund Age | 1W | 1M | 3M | 6M | 1Y | 3Y  | 5Y |
|---|---|---|---|---|---|---|---|---|---|
Compare | ₹ 1,558 | 13 Yrs | 1.40% | 1.67% | -0.08% | 3.87% | 7.87% | 13.08% | 10.95% |
Compare | ₹ 1,704 | 12 Yrs | 1.50% | 1.08% | 1.01% | 4.59% | 6.67% | 11.24% | 9.52% |
Compare | ₹ 1,704 | - | 1.50% | 1.08% | 1.00% | 4.58% | 6.65% | 11.24% | 9.52% |
Compare | ₹ 1,994 | 7 Yrs | 2.01% | 2.03% | 0.22% | 3.18% | 4.23% | 10.47% | 8.88% |
Compare | ₹ 10,443 | 12 Yrs | 1.86% | 0.83% | -1.13% | 1.37% | 2.40% | 9.78% | 9.37% |
Compare | ₹ 855 | 11 Yrs | 2.10% | 2.53% | 0.15% | 4.40% | 4.44% | 9.78% | 7.77% |
Compare | ₹ 519 | 9 Yrs | 1.72% | 1.40% | -0.11% | 3.09% | 3.90% | 9.59% | 8.16% |
Compare | ₹ 267 | 7 Yrs | 1.88% | 1.91% | -0.16% | 2.20% | 3.14% | 9.54% | 8.23% |
Compare | ₹ 943 | 13 Yrs | 1.98% | 1.80% | -1.02% | 1.26% | 0.06% | 9.09% | 8.65% |
Compare | ₹ 268 | 7 Yrs | 2.09% | 1.75% | 0.16% | 3.95% | 0.26% | 8.85% | 7.47% |
Compare | ₹ 5,533 | 13 Yrs | 2.23% | 2.44% | -0.24% | 2.31% | 2.33% | 8.69% | 8.11% |
Compare | ₹ 39 | 13 Yrs | 1.51% | 0.87% | -0.74% | 1.88% | 1.32% | 8.62% | 7.22% |
Compare | ₹ 3,087 | 10 Yrs | 1.45% | 1.28% | -0.52% | 1.58% | 1.80% | 8.62% | 7.68% |
Compare | ₹ 804 | 8 Yrs | 1.98% | 2.18% | -0.77% | 1.28% | 2.25% | 8.47% | 8.43% |
Compare | ₹ 5,413 | 11 Yrs | 1.56% | 1.41% | 0.12% | 1.91% | 2.56% | 8.24% | 8.04% |
Compare | ₹ 1,116 | 11 Yrs | 1.36% | 1.40% | -0.46% | 2.32% | 4.24% | 8.01% | 6.51% |
Compare | ₹ 560 | 8 Yrs | 1.15% | 1.72% | 0.29% | 2.60% | 3.42% | 7.45% | 6.76% |
Compare | ₹ 393 | 12 Yrs | 1.26% | 1.74% | -0.08% | 3.05% | 4.17% | 7.39% | 6.79% |
Compare | ₹ 14,905 | 11 Yrs | 1.43% | 1.92% | 0.83% | 2.91% | 3.12% | 7.14% | 7.55% |
Compare | ₹ 114 | 8 Yrs | 1.79% | 1.28% | -0.44% | 2.30% | 2.42% | 7.04% | 5.98% |
Compare | ₹ 744 | 11 Yrs | 1.80% | 1.42% | -1.45% | 0.63% | 1.75% | 6.85% | 6.54% |
Compare | ₹ 744 | 11 Yrs | 1.80% | 1.42% | -1.45% | 0.63% | 1.75% | 6.85% | 6.54% |
Compare | ₹ 56 | 13 Yrs | 1.88% | 1.77% | -0.23% | 2.68% | 3.14% | 6.73% | 6.07% |
Compare | ₹ 40 | 1 Yrs | 1.17% | 0.68% | -0.23% | 1.64% | 4.48% | 0.00% | 0.00% |
Compare | ₹ 60 | 1 Yrs | 2.08% | 1.35% | 1.80% | 6.45% | 8.02% | 0.00% | 0.00% |
Compare | ₹ 0 | - | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compare | ₹ 271 | 1 Yrs | 1.33% | 1.16% | -0.05% | 3.78% | 5.26% | 0.00% | 0.00% |
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Disclaimer: Mutual fund investments carry market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
About Equity Savings Funds
Equity Savings Funds are a type of investment that typically combines equity, debt, and arbitrage opportunities in a single portfolio. If you're an investor looking for a balanced approach to risk and return, these funds might align well with your objectives. They aim to provide the growth potential of equities while mitigating risk through debt and arbitrage positions. Understanding the composition and strategy of Equity Savings Funds is essential:
However, it's crucial to align such investments with your financial goals, risk appetite, and investment horizon.
- Equity Component: These funds invest a portion of their assets in stocks, aiming for capital appreciation.
- Debt and Arbitrage Exposure: A significant part of the portfolio is allocated to debt and arbitrage opportunities, aiming to balance the risk associated with equities.
- Risk-Return Balance: The combination of equity, debt, and arbitrage aims to offer a balanced risk-return profile.
However, it's crucial to align such investments with your financial goals, risk appetite, and investment horizon.
Investing in Equity Savings Funds offers several benefits, especially if you're seeking a balanced investment approach:
Like any investment, it's crucial to assess how these funds integrate into your comprehensive financial strategy and whether they align with your specific investment objectives and risk threshold.
- Diversified Portfolio: The mix of equity, debt, and arbitrage provides diversification, which can help in reducing overall portfolio risk.
- Lower Volatility: The presence of debt and arbitrage strategies typically results in lower volatility compared to pure equity funds.
- Growth Potential: The equity component in these funds offers the potential for capital appreciation.
- Suitable for Moderate Investors: If you have a moderate risk appetite and are looking for a balance between growth and stability, these funds can be a good match.
- Flexibility in Asset Allocation: Fund managers have the flexibility to adjust the allocation between equity, debt, and arbitrage based on market conditions.
Like any investment, it's crucial to assess how these funds integrate into your comprehensive financial strategy and whether they align with your specific investment objectives and risk threshold.
Deciding whether to invest in Equity Savings Funds is contingent on your personal financial goals, risk tolerance, and investment horizon. These funds, which combine equity, debt, and arbitrage strategies, are designed to offer a balanced approach to risk and return. They might be a suitable option if you're seeking moderate growth with a lower risk profile compared to pure equity funds. Here are some aspects to consider:
However, it’s crucial to align such investments with your overall financial plan and consider your comfort with the mixed asset approach.
- Risk Appetite: Equity Savings Funds are ideal if you have a moderate risk tolerance, as they provide exposure to equities with a cushioning effect from the debt and arbitrage components.
- Investment Goals: If your goal is to have a mix of growth and income with reduced volatility, these funds can align with your objectives.
- Market Fluctuations: They are particularly beneficial during times of market uncertainty, as the arbitrage and debt components can provide stability.
However, it’s crucial to align such investments with your overall financial plan and consider your comfort with the mixed asset approach.
Equity Savings Funds may be appropriate for a specific segment of investors:
Always consider how these funds align with your overall investment strategy and financial goals.
- Moderate Risk Investors: If you are not comfortable with high-risk investments but still want some exposure to equities, these funds might be suitable.
- First-Time Equity Investors: Those who are new to equity investments and want a lower-risk introduction to the stock market.
- Balanced Approach Seekers: Investors looking for a mix of growth and income, with a balanced approach to risk and return.
- Retirement Planning: Those in the phase of wealth accumulation for retirement may find these funds beneficial as part of a diversified portfolio.
- Market Volatility Concerns: If you are cautious about market volatility and prefer a more stable investment, these funds can be a good option.
Always consider how these funds align with your overall investment strategy and financial goals.
Other Hybrid Funds
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FAQs
Equity Savings Funds invest across equity, debt, and arbitrage opportunities, typically allocating a part of the portfolio to direct equity to tap into growth, while debt and arbitrage positions aim to provide stability and income. This hybrid approach is designed to offer a balanced risk-return profile, making them suitable for Equity Saving investors looking for equity exposure with reduced volatility.
These funds are invested in a mix of equity stocks, debt instruments, and use arbitrage strategies. Around 30% to 35% of the portfolio is usually invested in equities, with the balance in debt and arbitrage opportunities. This diversification helps in mitigating risks associated with direct equity investments while aiming to provide moderate returns.
Equity Savings Funds can generate profits through dividends, interest income, and capital appreciation from the equity portion. While the aim is to provide steady returns with lower volatility compared to pure equity funds, profits are not guaranteed and depend on market conditions and the fund manager's strategy.
No, the returns from Equity Savings Funds are not tax-free. The tax treatment of these funds is based on their equity exposure; if the equity component is over 65%, they're taxed like equity funds. Otherwise, they're taxed as debt funds, making the taxation depend on the fund's strategy and holdings.
If the equity component is more than 65%, short-term capital gains (if held for less than a year) are taxed at 15%, and long-term capital gains (over a year) over ₹1 lakh are taxed at 10%. If the equity portion is less than 65%, gains are taxed as per debt fund taxation rules, with indexation benefits applicable for long-term investments.
To choose the best Equity Savings Fund, consider factors such as the fund's past performance, the asset allocation strategy, the fund manager's experience, and the fund's expense ratio. It's also important to review how well the fund has managed to balance risk and return, especially during volatile market periods, aligning with your risk tolerance and investment goals.
No, it's not necessary to open a demat account for investing in Equity Savings Funds. You can invest directly through Mutual Funds platforms or AMC websites without needing a demat account. This makes accessing these funds convenient and straightforward for you.
Both lump sum investments and SIPs (Systematic Investment Plans) can be beneficial in Equity Savings Funds, depending on your financial goals and market outlook. Lump Sum investments might be suitable when you have a substantial amount of money to invest at once, while SIPs offer the advantage of averaging your investment cost over time, potentially reducing the impact of market volatility.
To start an Equity Saving Fund SIP online, follow these 4 steps:
- Open Demat Account
- Choose the Equity Saving Fund you wish to invest in.
- Choose the SIP option, specifying the amount and SIP date
- Set up an auto-pay via bank account to automate the SIP payments
Yes, you can redeem your investment in Equity Savings Funds at any time. However, it's wise to consider any applicable exit load and the current market conditions, as these could impact the net returns from your investment.
No, Equity Savings Funds typically do not have a lock-in period, offering you the flexibility to redeem your investment as per your liquidity needs. This makes them a relatively liquid investment option.
Equity Savings Funds, while designed to offer a balanced risk-return profile, carry market risks associated with their equity exposure, interest rate risk for the debt portion, and arbitrage risks. The risks are moderated but not eliminated, making it important to assess the fund's strategy and your risk tolerance before investing.
No investment is 100% safe, including Equity Savings Funds. While they aim to mitigate risks through diversified investments across equities, debt, and arbitrage opportunities, they are still subject to market fluctuations and other inherent risks. However, they are generally considered lower risk compared to pure equity funds, making them a safer option for conservative investors seeking some exposure to equities.
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Equity Savings Mutual Funds
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