September 15, 2025
RA Jainee
Tata Equity Savings Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 62.5587
Monthly NAV IDCW: Rs 21.5709
NAV IDCW: Rs 30.5674
Suitable For Which Investors?
Equity-savings funds invest about a third of your money each in equity shares, bonds and arbitrage opportunities, though these proportions may vary a bit depending upon the market outlook of the fund manager. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than fixed income options.
They may also suit those looking for a regular income from their accumulation. The debt and arbitrage portions of these funds can provide a moderate, but steady stream of income. The equity allocation, though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.
Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.
Fund’s Investment Strategy:
The scheme aims to provide long term capital appreciation by investing in equity and equity related instruments, equity arbitrage opportunities and investments in debt and money market instruments.
Fund Manager:
1) Tapan Patel
Education: Mr. Patel has done BBA, CFA and MFA from ICFAI
Experience: Prior to joining Tata Mutual Fund, he has worked with HDFC Securities Ltd, LKP Securities Ltd, Kotak Commodity Services Pvt. Ltd and Edelweiss Comtrade Ltd.
2) Sailesh Jain
Education: Mr. Jain is a Commerce Graduate and an MBA.
Experience: Prior to joining TATA Mutual Fund, he has worked with Invesco Mutual Fund, IDFC Securities Ltd. as Head Derivatives, Quant Broking Pvt Ltd. as Vice President and IIFL(India Infoline) as Vice President.
3) Murthy Nagarajan
Education: Mr. Nagarajan is a M.Com, ICWA and PGPMS.
Experience: Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..
Investment Details
| Min. Investment (Rs) | 5,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 100 |
| Min. Withdrawal (Rs) | 500 |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | 500 |
| Lock-in Period | NA |
| Exit Load | 0.25% for redemption within 7 days |
Basic Details of Tata Equity Savings Fund
| Fund House | Tata Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 8.69% |
| Benchmark | NIFTY Equity Savings TRI |
| Riskometer | Low to Moderate |
| Type | Open-ended |
| Assets | Rs 266 Cr |
| (As on 31-Aug-2025) | |
| Expense | 0.51% |
| (As on 31-Aug-2025) | |
| Risk Grade | Below Average |
| Return Grade | Average |
| Turnover | 21.33% |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Tata Equity Savings Dir | 4.97 | 0.09 | 0.86 | 1.32 | 5.68 | 6.02 | 10.39 | 10.99 | 9.31 | 8.68 |
| VR Equity Savings TRI | 5.62 | 0.25 | 1.65 | 1.17 | 8.99 | 2.27 | 10.46 | 11.87 | 9.76 | 9.70 |
| Hybrid: Equity Savings | 5.04 | 0.11 | 1.25 | 1.90 | 7.44 | 5.39 | 10.70 | 11.60 | 9.45 | 9.25 |
| Rank within category | 14 | 16 | 18 | 16 | 18 | 7 | 15 | 15 | 11 | 9 |
| Number of funds in category | 22 | 25 | 24 | 23 | 22 | 22 | 22 | 22 | 18 | 11 |
Peer Comparison
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| Tata Equity Savings Dir | 3 star | 6.02 | 10.39 | 10.99 | 0.51 | 266 | 8.69 | 0.25 (7) | 12Y 8M | 21.33 |
| ICICI Pru Equity Savings Dir | 5 star | 6.85 | 9.46 | 10.13 | 0.50 | 15,863 | 8.67 | 0.25 (7) | 10Y 9M | 43.00 |
| Kotak Equity Savings Dir | 4 star | 4.78 | 12.60 | 12.69 | 0.66 | 8,487 | 10.29 | 1.00 (90) | 10Y 11M | 402.82 |
| DSP Equity Savings Dir | 5 star | 5.31 | 10.69 | 12.17 | 0.41 | 3,591 | 9.96 | — | 9Y 5M | 10.00 |
| Edelweiss Equity Savings Dir | 5 star | 7.80 | 12.08 | 12.14 | 0.56 | 843 | 9.98 | 0.25 (30) | 10Y 11M | 95.00 |
Portfolio Analysis of Tata Equity Savings Fund
| Number of Stocks | 37 |
| Number of Bonds | 3 |
| Average Maturity (yrs) | 3.35 |
| Top 10 Holdings | 54.91% |
| Portfolio P/B Ratio | 3.04 |
| Portfolio P/E Ratio | 21.19 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 4,56,138 | 3,08,995 |
| Giant (%) | 83.00 | 70.25 |
| Large (%) | 12.07 | 16.47 |
| Mid (%) | 4.54 | 10.54 |
| Small (%) | 0.39 | 3.87 |
| Tiny (%) | — | — |
| Fund | Category | |
| Number of Securities | 57 | 123 |
| Macaulay Duration (yrs) | 2.56 | 2.5 |
| Average Maturity (yrs) | 3.35 | 3.26 |
| Yield to Maturity (%) | 6.54 | 6.47 |
| Avg Credit Rating | GOI/Cash | — |
Chanakya’s Mutual Fund Guidance For Tata Equity Savings Fund
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