MonitorDirect · GrowthWatch before adding
Tata Equity Savings Fund
- NAV
- 63.7493
- 20 Feb 2026
- 1Y
- +7.5%
- Trailing CAGR
- AUM
- ₹43.6 Cr
- 31 Mar 2026
- Volatility
- Low
- 4.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 20 Feb 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer Edelweiss Equity Savings Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.60% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -13.9%. Ask whether you can hold through a similar fall.
Vs category
Fail
14% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
n/a
Holdings weights not on file for this scheme yet.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 14%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+7.5%
- 3Y+10.6%
- 5Y+8.9%
- 10Y+9.1%
- SI+8.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.1%
- 3Y+8.7%
- 5Y+9.1%
- 10Y+9.0%
- Since inception
- +8.6%
- Calendar-day CAGR
- Excess 1Y
- +6.4%
- Category median, same plan and option
- 3Y win rate
- +14%
- Windows beating the median
- 3Y percentile
- 85
- Vs comparable share classes
- SIP 3Y XIRR
- +8.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +0.9%
- 2494 daily-ending windows
- Median rolling 3Y
- +9.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2002 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -13.9%
- Worst peak-to-trough
- Current
- -0.6%
- Below last peak
- Current spell
- 49 days
- Days below latest peak
- Time below peak
- +77%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 260 recovered episodes
- Longest recovery
- 148 days
- Trough to prior peak
12 Feb 2020 – 18 Aug 2020
Trough 23 Mar 2020 · recovered in 148 days
-13.9%
6 Aug 2015 – 26 Apr 2016
Trough 25 Feb 2016 · recovered in 61 days
-6.0%
31 Aug 2018 – 11 Mar 2019
Trough 26 Oct 2018 · recovered in 136 days
-5.7%
20 May 2013 – 19 Dec 2013
Trough 19 Aug 2013 · recovered in 122 days
-5.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
85
Vs category
90
Consistency
30
Risk-adjusted
52
Drawdown
65
Mean
64
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- AUM fell by 30% or more versus the prior observation.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
20 Feb 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Edelweiss Equity Savings Fund
Edelweiss Mutual Fund
- 1Y
- +5.3%
- 3Y
- +11.0%
- Vol
- 4.8%
- Max DD
- -9.5%
- Sharpe
- 0.89
- 3Y win
- +94%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Bajaj Finserv Equity Savings Fund
Bajaj Finserv Mutual Fund
- 1Y
- +3.6%
- 3Y
- n/a
- Vol
- 2.4%
- Max DD
- -1.6%
- Sharpe
- -0.86
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
LIC MF Equity Savings Fund
LIC Mutual Fund
- 1Y
- -0.3%
- 3Y
- +8.3%
- Vol
- 6.8%
- Max DD
- -7.5%
- Sharpe
- 0.30
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns
PGIM India Equity Savings Fund
PGIM India Mutual Fund
- 1Y
- +1.3%
- 3Y
- +6.2%
- Vol
- 4.8%
- Max DD
- -16.2%
- Sharpe
- 0.37
- 3Y win
- +19%
- Lower volatility
- Higher win rate vs category
Caveat: Deeper drawdown · Higher TER · Lower trailing returns
quant Equity Savings Fund
quant Mutual Fund
- 1Y
- +6.3%
- 3Y
- n/a
- Vol
- 6.0%
- Max DD
- -5.0%
- Sharpe
- 0.22
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns