HDFC Equity Savings Fund - Growth Option vs Kotak Equity Savings Fund
Equity Savings · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 13-Jul-2026
| Metric | HDFC Equity Savings Fund - Growth Option | Kotak Equity Savings Fund |
|---|---|---|
| Latest NAV | ₹76.49 | ₹30.4 |
| 1-Year Return | +3.51% | +6.07% |
| 3-Year Return (CAGR) | +10.00% | +11.53% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 4.6% | 5.5% |
| Max Drawdown | −4.8% | −6.0% |
| Fund House | HDFC Mutual Fund | Kotak Mahindra Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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HDFC Equity Savings Fund - Growth Option vs Kotak Equity Savings Fund: which is better?
HDFC Equity Savings Fund - Growth Option and Kotak Equity Savings Fund are both equity savings mutual funds (direct plan, growth option). This comparison uses each fund's official AMFI NAV history — the same daily data the fund houses publish — to compare returns, volatility and drawdowns side by side.
On 3-year returns (annualised), Kotak Equity Savings Fund leads with +11.53% against +10.00% — a gap of about 1.53 percentage points per year over that period.
HDFC Equity Savings Fund - Growth Option has been the steadier fund over the past year, with annualised volatility of 4.6% versus 5.5%. Looking at worst falls, HDFC Equity Savings Fund - Growth Option's deepest drawdown in the stored history is −4.8% against −6.0% for Kotak Equity Savings Fund.
Which fund suits you depends on your horizon and appetite for swings: the higher-return fund is only the better pick if you can hold through its rougher months. Use the ₹10,000 growth chart above to see how each fund actually behaved through market cycles, and consider consulting a SEBI-registered adviser before investing. This comparison is informational, not investment advice.
Key takeaways
- Kotak Equity Savings Fund has delivered higher 3-year returns (+11.53% vs +10.00%).
- HDFC Equity Savings Fund - Growth Option has shown lower volatility over the trailing year.
- HDFC Equity Savings Fund - Growth Option has had the shallower maximum drawdown (−4.8%).
Frequently Asked Questions
Which fund has given higher returns — HDFC Equity Savings Fund - Growth Option or Kotak Equity Savings Fund?
Over the past 3 year period, Kotak Equity Savings Fund has delivered higher returns: +11.53% versus +10.00% annualised. Past performance does not guarantee future results.
Which fund is less risky — HDFC Equity Savings Fund - Growth Option or Kotak Equity Savings Fund?
Based on the trailing year, HDFC Equity Savings Fund - Growth Option has shown lower day-to-day volatility (HDFC Equity Savings Fund - Growth Option: 4.6%, Kotak Equity Savings Fund: 5.5% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both HDFC Equity Savings Fund - Growth Option and Kotak Equity Savings Fund?
Yes — many investors split a SIP across two funds. If both funds are from the same category, remember they will hold overlapping stocks, so diversification benefits may be smaller than they appear. Check each scheme's portfolio before doubling up within one category.
More Equity Savings comparisons
Returns, volatility and drawdowns are computed from official AMFI NAV history for direct-growth plans and may differ slightly from fund-house factsheets due to date conventions. Mutual fund investments are subject to market risks. This comparison is for informational purposes only — not investment advice.