AF Applica Finance
Plan My Investments
5. Mutual Funds - Hybrid

Equity Savings Fund

Equity Savings Fund

Hybrid fund combining equity, arbitrage, and debt for tax-efficient lower-risk returns.

Risk Level
Low ★★☆☆☆
Liquidity
🟡 Medium
Min Investment
₹500/month SIP
Ticket Size
₹500 SIP / ₹5,000 lump sum
Ideal Horizon
3+ years
Region
India

📈 Historical Returns (Indicative)

1 Year
10–18%
3 Years
10–15%
5 Years
10–13%
10 Years
10–12%
20 Years
10–12%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Equity Savings Fund

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Low risk — capital largely protected
  • ✅ Professional fund management
  • ✅ Diversification across securities
  • ✅ Start with ₹500 SIP

Disadvantages

  • ❌ Expense ratio reduces returns
  • ❌ No guaranteed returns

🚀 How to Invest in Equity Savings Fund

  1. Invest directly via AMC website or app (0% commission)
  2. Or use MFU, MyCams, Kuvera, Coin by Zerodha
  3. Complete one-time KYC (OTP-based Aadhaar KYC available)
  4. Set up SIP for disciplined monthly investing

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
← Back to All 502 Investments More Calculators →