HDFC Equity Savings Fund Direct Growth

HDFC Equity Savings Fund Direct Growth

NAV as on 26-03-2025

₹ 70.51

-0.3%

1D

Inception Returns

10.4%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
758 people have invested ₹ 5.8Cr in HDFC Equity Savings Fund Direct Growth in the last three months

About HDFC Equity Savings Fund Direct Growth

HDFC Equity Savings Fund Direct Growth is a hybrid fund. This fund was started on 1 January, 2013. The fund is managed by Srinivasan Ramamurthy, Anil Bamboli. This fund gives you the benefit of diversification.

Key Parameters

  1. HDFC Equity Savings Fund Direct Growth has ₹5460 Cr worth of assets under management (AUM) as on Feb 2025 and is more than category average.
  2. The fund has an expense ratio 0.9.

Returns

HDFC Equity Savings Fund Direct Growth has given a CAGR return of 10.39% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 7.24%, 10.61% and 15.23% respectively.

Holdings

HDFC Equity Savings Fund Direct Growth has allocated its funds majorly in Cash Equivalent, Financial Services, Corporate, Government, Consumer Cyclical, Energy, Tech, Industrial, Health, Consumer Defensive, Basic Materials, Utilities, Communication, Securitize.

Taxation

As it is a equity savings mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of HDFC Equity Savings Fund Direct Growth

To provide capital appreciation by investing in Equity & equity related instruments, Arbitrage opportunities, and Debt & money market instruments. There is no assurance that the investment objective of the Scheme will be realized.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. HDFC Equity Savings Fund Direct Growth has no lock in period.

HDFC Equity Savings Fund Direct Growth Overview

Expense ratio0.88%
Benchmark
NIFTY Equity Savings TR INR
AUM₹5460 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹100/₹100
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
22.38%
STCGSelling mutual fund before 1 year, returns taxed at 20%.
LTCGAfter 1 year, 12.5% tax on returns over ₹1.25 lakh/year.
Risk
Risk meter
pointer
Moderately High risk

INDmoney Rank for HDFC Equity Savings Fund Direct Growth

Powered by IND quant engine
12
/13
0% Performance
88% Risk Management
40% Cost
12 out of 13 among equity savings

Trailing Returns

as on (26-Mar-25)

Period
HDFC Equity Savings Fund Direct Growth
Equity Savings Index
1M
1.7%
0.6%
3M
-0.3%
-2%
6M
-2.2%
-2.8%
1Y
7.2%
6.3%
3Y
10.6%
8.5%
5Y
15.2%
12.3%

Fund Distribution

as on (28-Feb-25)

  • Equity 30.8%

  • Debt & Cash 69.2%

Large cap
59.1%

Small cap
3.5%

Mid cap
3.3%

Sector Allocation

Feb'25

Jan'25

Dec'24

Financial Services
30.7%
Consumer Cyclical
15.9%
Energy
9.4%
Tech
9%
Industrial
7.8%
Health
7.2%
Consumer Defensive
7.1%
Basic Materials
6.5%
Utilities
3.7%
Communication
2.7%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 5.5K Cr
₹ 5.6K Cr
₹ 5.6K Cr
  • AUM of the fund stands at 5.5K Cr as of Feb'25
  • AUM decreased by 124.1 Cr between Feb'25 and Jan'25
Top Stocks bought last month
Muthoot Finance Limited's allocation increased from 0.09% to 0.45%
Muthoot Finance Limited's allocation increased from 0.09% to 0.45%
Mahindra & Mahindra Ltd's allocation increased from 1.55% to 1.77%
Mahindra & Mahindra Ltd's allocation increased from 1.55% to 1.77%
Larsen & Toubro Ltd's allocation increased from 1.33% to 1.5%
Larsen & Toubro Ltd's allocation increased from 1.33% to 1.5%
Top Stocks sold last month
HDFC Bank Ltd's allocation decreased from 8.44 % to 8.24 %
HDFC Bank Ltd's allocation decreased from 8.44 % to 8.24 %
ICICI Bank Ltd's allocation decreased from 4.72 % to 4.6 %
ICICI Bank Ltd's allocation decreased from 4.72 % to 4.6 %
Reliance Industries Ltd's allocation decreased from 2.7 % to 2.62 %
Reliance Industries Ltd's allocation decreased from 2.7 % to 2.62 %

Top 3 Sectors in February were Financial Services, Corporate & Consumer Cyclical

Feb'25
Financial Services
31%
Corporate
20%
Government
17%
Jan'25
Financial Services
30%
Corporate
20%
Consumer Cyclical
18%
Fund
Feb'25
Jan'25
Dec'24
No of Holdings
143
142
142
Top 5 Company Concentration
24.2%
24.2%
22.4%
Company having highest exposure
HDFC Bank Ltd (8.2%)
HDFC Bank Ltd (7.9%)
HDFC Bank Ltd (8.2%)
No of Sectors
13
13
13
Top 5 Sectors Concentration
93.1%
94.4%
93.8%
Sector having highest exposure
Financial Services (30.7%)
Financial Services (30%)
Financial Services (31.8%)
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Srinivasan Ramamurthy
Srinivasan Ramamurthy
Fund Manager of HDFC Equity Savings Fund Direct Growth, since 14 December 2021
Anil Bamboli
Anil Bamboli
Fund Manager of HDFC Equity Savings Fund Direct Growth, since 17 September 2004
Fund House
HDFC Asset Management Co Ltd
Total Schemes
Total AUM
₹8.05L Cr
as on 28-Feb-2025
Address
HDFC Asset Management Company Limited,“HUL House”, 2nd Floor,,H.T. Parekh Marg,165-166, Backbay Reclamation,,Churchgate,
Phone
+912266316333
Website
cliser@hdfcfund.com

Mutual Fund Insights

Insights icon
In the last 5 years, Sundaram Equity Savings - Direct Plan - Growth Option has given 16.91% return, outperforming this fund by 1.67% per annum.
Insights icon
This fund has one of the lowest expense ratio in the category (equity savings). Its expense ratio is 0.88% which is lower than the category average expense ratio of 1.07%.
Insights icon
Over the last 6 months, this fund has experienced a 8.1% growth in AUM moving from 5.05K Cr to 5.46K Cr.
Insights icon
In the last 3 years, Sundaram Equity Savings - Direct Plan - Growth Option has given 12.44% return, outperforming this fund by 1.83% per annum.
Insights icon
In the last 1 year, DSP Equity Savings Fund Direct Plan Growth has given 12.26% return, outperforming this fund by 5.02%.
Insights icon
Over the last 1 year, this fund has decreased expense ratio by 18.5% moving from 1.08 to 0.88.

HDFC Equity Savings Fund Direct Growth Highlights

Risk meter
pointer

Moderately High risk

Investors understand that their principal will be at Moderately High risk
About the fund

About the fund

This fund has delivered an average annual returns of 10.39% since inception which is more than its category average return of 8.01%
Fund Allocations

Fund Allocations

This fund has an allocation of 30.77% in Equity, 25.41% in Debt and 43.81% in Cash related instruments
AUM size ₹5460 Cr

AUM size ₹5460 Cr

This fund has AUM of ₹5460 Cr which is more than its category average of ₹ 1639 Cr
Expense Ratio 0.88%

Expense Ratio 0.88%

This fund has an expense ratio of 0.88% which is less than its category average expense ratio of 1.16%

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Frequently Asked Questions for HDFC Equity Savings Fund Direct Growth

The current NAV of HDFC Equity Savings Fund Direct Growth is ₹70.51 as on 26-Mar-2025.
Existing (Absolute + CAGR) as on 26-Mar-2025.
HDFC Equity Savings Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
1.74%
1.74%
6 Month Returns
-2.15%
-2.15%
1 Year Returns
7.24%
7.24%
3 Years Returns
35.33%
10.61%
5 Years Returns
103.17%
15.23%
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  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.88% as on February 2025
₹5460 Cr as on February 2025
HDFC Bank Ltd(8.23%), Reliance Industries Ltd(5.03%), ICICI Bank Ltd(4.57%), Infosys Ltd(3.49%), United Spirits Ltd(2.88%) as on February 2025
Cash Equivalent(42.09%), Corporate(13.8%), Government(11.83%) as on February 2025
AAA
93.14
AA
6.86
Srinivasan Ramamurthy, Anil Bamboli are the fund managers of HDFC Equity Savings Fund Direct Growth
The Exit load of HDFC Equity Savings Fund Direct Growth is 1%