HDFC Equity Savings Fund vs SBI Equity Savings Fund
Updated June 2026 · both Equity Savings funds · metrics from AMFI NAVs
In short: SBI Equity Savings Fund has the higher 3-year return (+9.95%); HDFC Equity Savings Fund has the lower expense ratio (1.25%); HDFC Equity Savings Fund has the better risk-adjusted return (Sharpe 0.50). This is analysis from past data, not a recommendation.
| Metric | HDFC Equity Savings Fund | SBI Equity Savings Fund |
|---|---|---|
| 1Y return | +1.69% | +2.26% |
| 3Y CAGR | +9.25% | +9.95% |
| 5Y CAGR | +8.79% | +8.75% |
| Sharpe ratio | 0.50 | 0.40 |
| Max drawdown | -5.3% | -7.1% |
| Volatility | 5.4% | 5.2% |
| Alpha | +1.60% | +2.35% |
| Expense ratio (Direct) | 1.25% | 1.42% |
| AUM | ₹5.8K Cr | ₹5.7K Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
HDFC Equity Savings Fund has the lower Direct-plan expense ratio (1.25%), versus 1.42% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
SBI Equity Savings Fund has the higher 3-year CAGR (+9.95%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.