HSBC Equity Savings Fund - Regular Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Favorable risk-adjusted return profile with a Sharpe ratio of 0.81.
- Consistently ranked #2 in its category with an MFIQ quantitative score of 7.0/10.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +2.96% | +2.96% | 0.00% |
| 3 Months | +1.54% | +1.17% | +0.37% |
| 6 Months | +4.92% | +3.88% | +1.04% |
| 1 Year | +8.70% | +4.14% | +4.56% |
| 3 Years CAGR | +12.36% | +8.21% | +4.15% |
| Since Inception | +12.46% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in HSBC Equity Savings Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +9.05% | +3.40% | +5.65% |
| 2025 | +0.88% | +6.70% | -5.82% |
| 2024 | +24.04% | +11.07% | +12.97% |
| 2023 | +17.05% | +14.27% | +2.78% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -0.80% | +13.26% | +11.32% | +26.88% | 99.5% | - |
| 3-Year Rolling | +11.22% | +12.97% | +13.13% | +14.09% | 100.0% | - |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2025-01-02 | 2025-02-28 | -11.7% | 2 months | 7 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| A. Equities & Equity related securities :65% to 90% A1. Hedged ^ 25% to 50% A2. Unhedged^^ 15% to 40% B. Debt, Money Market Instruments and Government Securities*:10% to 35% Units issued by InvITs: 0% to 10% Units of Gold and Silver ETFs : 0% to 25% Exchange Traded Commodity Derivatives (ETCDs) : 0% to 10% | Per Scheme Mandate |
Investment Objective & Strategy
The investment objective of the Scheme is 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. There is no assurance that the objective of the Scheme will be realised and the Scheme does not assure or guarantee any returns.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 1,676 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Equity Savings schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Equity Savings Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Edelweiss Equity Savings Fund | 7.2 | +10.38% | 2.10% | - | Rs 1,816 cr | Compare → |
| Mirae Asset Equity Savings Fund | 6.6 | +9.92% | 1.72% | - | Rs 2,043 cr | Compare → |
| DSP Equity Savings Fund | 4.8 | +8.24% | 1.96% | - | Rs 3,068 cr | Compare → |
| Aditya Birla Sun Life Equity Savings Fund | 4.5 | +7.88% | 1.68% | - | Rs 1,155 cr | Compare → |
| Kotak Equity Savings Fund | 6.3 | +9.02% | 2.12% | - | Rs 10,417 cr | Compare → |
Frequently Asked Questions about HSBC Equity Savings Fund
What is the expense ratio of HSBC Equity Savings Fund?
HSBC Equity Savings Fund has a total expense ratio (TER) of 2.37% with a base expense ratio of 1.35%, compared to the Equity Savings category median of 2.19%.
Who manages HSBC Equity Savings Fund?
HSBC Equity Savings Fund is managed by Cheenu Gupta.
What are the historical returns of HSBC Equity Savings Fund?
HSBC Equity Savings Fund delivered a 3-year CAGR of 12.36%. Its 1-year return stands at +8.70%.
How large is HSBC Equity Savings Fund?
HSBC Equity Savings Fund manages assets of Rs 1,676 cr, placing it in the 'comfortable' size band relative to Equity Savings peers.
How is HSBC Equity Savings Fund scored on MFIQ?
HSBC Equity Savings Fund holds an MFIQ Score of 7.0/10 (Good), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is HSBC Equity Savings Fund?
HSBC Equity Savings Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 7.26% with a maximum historical drawdown of -11.66%.