Can I invest in SIP and Lumpsum in Tata Equity Saving Fund-Dir (IDCW-M) Direct Growth?

Yes, you can invest both lumpsum and SIP in Tata Equity Saving Fund-Dir (IDCW-M). Minimum lumpsum investment Tata Equity Saving Fund-Dir (IDCW-M) is ₹5,000 and minimum SIP amount is ₹100 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of Tata Equity Saving Fund-Dir (IDCW-M) Direct Growth?

The latest NAV (Net Asset Value) of Tata Equity Saving Fund-Dir (IDCW-M) is Tata Equity Saving Fund-Dir (IDCW-M) is ₹20.91 as on 2025-01-15.

Which are the biggest stock holdings of Tata Equity Saving Fund-Dir (IDCW-M)?

The 5 biggest stock holdings of Tata Equity Saving Fund-Dir (IDCW-M) are: Reliance Industr (6.29%), Larsen & Toubro (5.64%), Bharti Airtel (5.49%), NTPC (4.70%), HDFC Bank (4.50%)

What are the top sectors Tata Equity Saving Fund-Dir (IDCW-M) invests in?

A majority of Tata Equity Saving Fund-Dir (IDCW-M) 's AUM worth ₹233.29 (Cr) is invested in these 3 top sectors: Debt : 20.85% Banks : 11.94% Diversified FMCG : 7.51%

Mutual Funds
Tata Equity Saving Fund-Dir (IDCW-M)

Tata Equity Saving Fund-Dir (IDCW-M)

Equity Savings

Invest Now

NAV
20.91(0.20%)
Fund Size (CR)
₹233.29
Expense Ratio
0.5
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹100
Minimum Withdrawal
₹1,000
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0.25%
Return Since Launch
8.44%

Absolute Return: -0.60%

Annualized Return: 0%

Basic Details

Scheme Manager

Sailesh Jain

Bench Mark

NIFTY Equity Savings Index TRI

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	8 January 2025	9963.21	-0.37%	-	-0.77%	32/139
1 Month	13 December 2024	9881.96	-1.18%	-	-1.48%	60/139
3 Month	15 October 2024	10017.17	0.17%	-	-0.98%	13/139
6 Month	15 July 2024	10148.83	1.49%	-	1.40%	62/139
1 Year	15 January 2024	10958.67	9.59%	9.59%	8.61%	41/139
3 Year	14 January 2022	12821.88	28.22%	8.64%	7.98%	67/139
5 Year	15 January 2020	16010.66	60.11%	9.87%	9.12%	69/139
Since Inception	10 June 2014	23629.84	136.30%	8.44%	8.04%	82/139

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 February 2024	1,20,000	180915.92	50.76%	50.76%
3 Year	1 February 2022	3,60,000	596144.84	65.60%	18.31%
5 Year	3 February 2020	6,00,000	1062869.64	77.14%	12.12%
10 Year	2 February 2015	12,00,000	2331974.10	94.33%	6.87%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.14%

Standard Deviation

0.31%

Beta

0.67%

Sharpe Ratio

0.13%

Treynor's Ratio

1.06%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
Reliance Industr	6.29%	120730	14.67	Equity	Refineries
Larsen & Toubro	5.64%	36475	13.16	Equity	Infrastructure Developers & Operators
Bharti Airtel	5.49%	80650	12.81	Equity	Telecomm-Service
NTPC	4.70%	328900	10.96	Equity	Power Generation & Distribution
HDFC Bank	4.50%	59266	10.51	Equity	Banks
St Bk of India	4.17%	122400	9.73	Equity	Banks
ITC	4.01%	193300	9.35	Equity	Tobacco Products
Ambuja Cements	3.95%	171930	9.21	Equity	Cement
Aurobindo Pharma	3.76%	65700	8.77	Equity	Pharmaceuticals
Adani Ports	3.59%	68000	8.37	Equity	Marine Port & Services

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Tata Equity Saving Fund-Dir (IDCW-M)	233.29	-1.18%	0.17%	1.49%	9.59%	8.64%
HSBC Equity Savings Fund - Direct (IDCW-Q)	645.63	-3.85%	-2.28%	2.53%	18.95%	12.38%
HSBC Equity Savings Fund - Direct (G)	645.63	-3.85%	-2.28%	2.53%	18.94%	13.05%
HSBC Equity Savings Fund - Direct (IDCW-M)	645.63	-3.85%	-2.29%	2.51%	17.65%	12.63%
Invesco India Equity Savings Fund - Direct (G)	374.09	-2.45%	-1.71%	2.18%	14.10%	10.22%
Invesco India Equity Savings Fund - Direct (IDCW)	374.09	-2.46%	-1.72%	2.17%	14.08%	10.19%

News

Tata MF announces Income Distribution cum capital withdrawal (IDCW) under two schemes
Tata Mutual Fund has announced 01 January 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under the monthly IDCW option and under the Periodic IDCW Periodic-Payout/Reinvestment) of following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:
Tata Hybrid Equity Fund ' Regular Plan & Direct Plan: 0.37 each.
Tata Equity Savings Fund ' Regular Plan & Direct Plan: 0.057 each.
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Tata MF announces change in Fund Manager of the following schemes

Tata Mutual Fund has announced change in Fund Managers of the following scheme with effect from: 20 December 2024

Change in Fund Managers of the Scheme:

Scheme Name	Existing Fund Manager	New Fund Manager(s)
Tata BSE Sensex Index Fund, Tata Nifty 50 Index Fund, Tata Nifty Midcap 150 Momentum 50 Index Fund, Tata Nifty Realty Index Fund, Tata Nifty Auto Index Fund, Tata Nifty Financial Services Index fund, Tata Nifty MidSmall Healthcare Index Fund, Tata Nifty 500 Multicap India Manufacturing 50:30:20 Index Fund, Tata Nifty500 Multicap Infrastructure 50:30:20 Index Fund, Tata BSE Select Business Groups Index Fund, Tata Nifty200 Alpha 30 Index Fund, Tata Nifty Capital Markets Index Fund, Tata Nifty India Tourism Index Fund, Tata Nifty 50 Exchange Traded Fund, Tata Nifty India Digital Exchange Traded Fund, Tata Nifty Private Bank Exchange Traded Fund,	Kapil Menon	1. Kapil Menon, 2. Rakesh Prajapati*
Tata Nifty India Digital ETF Fund of Fund	Meeta Shetty	1. Kapil Menon, 2. Rakesh Prajapati*

* Assistant Fund Manager

Mr. Rakesh Prajapati is currently designated as Senior Manager Investment in dealing function. Further from the above effective date he is also designated as a Fund Manager - Equities at Tata Asset Management Pvt. Ltd.

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Tata MF announces Income Distribution cum capital withdrawal (IDCW) under two schemes
Tata Mutual Fund has announced 04 December 2024 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under the monthly IDCW option and under the Periodic IDCW Periodic-Payout/Reinvestment) of following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:
Tata Hybrid Equity Fund ' Regular Plan & Direct Plan: 0.37 each.
Tata Equity Savings Fund ' Regular Plan & Direct Plan: 0.057 each.
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Fund House Details & Investment Objective

Date of Incorporation

9 June 2014

Total AUM (Cr)

₹233.29

Tata Equity Saving Fund-Dir (IDCW-M) is an Equity Savings-oriented fund from the renowned AMC, Tata Mutual Fund. Launched in 9 June 2014, this fund is managed by Sailesh Jain. With assets under management (AUM) worth ₹233.29 (Cr), as of 15 January 2025, Tata Equity Saving Fund-Dir (IDCW-M) is categorized as a Equity Savings within its segment. The fund has generated a return of 8.44% since its launch.
The current NAV of Tata Equity Saving Fund-Dir (IDCW-M) is ₹20.91, as on 15 January 2025. The fund's benchmark index is NIFTY Equity Savings Index TRI. You can invest in Tata Equity Saving Fund-Dir (IDCW-M) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Redemption / Switch out / SWP / STP before expiry of 7 days from the date of allotment - 0.25% of NAV Redemption / Switch out / SWP / STP after expiry of 7 days from the date of allotment - NIL The fund has generated 8.64% and 9.87% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 66.21% in Equity, 22.24% in Debt and 11.55% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 20.85% in Debt, 11.94% in Banks, 7.51% in Diversified FMCG, 6.42% in Cement & Cement Products, 5.95% in Others

FAQs

How to Invest in Tata Equity Saving Fund-Dir (IDCW-M) Direct Growth?

Tata Equity Saving Fund-Dir (IDCW-M) is a popular fund in the Equity Savings segment. The fund has generated a return of 8.44% since inception. Looking to invest in Tata Equity Saving Fund-Dir (IDCW-M) How about earning 1% extra return? All this is possible with m.Stock! Investing in Tata Equity Saving Fund-Dir (IDCW-M) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage across products for life.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, Tata Equity Saving Fund-Dir (IDCW-M)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Enter amount, select payment mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route, then enter SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in Tata Equity Saving Fund-Dir (IDCW-M) today and reap the benefits of this Equity Savings fund!

How much returns has Tata Equity Saving Fund-Dir (IDCW-M) Direct Growth generated?

In the short term, i.e., 1 year, Tata Equity Saving Fund-Dir (IDCW-M) has generated annualised return of 9.59%. In the long-term, the fund has generated 8.64% and 9.87% in 3 and 5 years respectively. Since its inception, the fund has generated 8.44% returns.

What is the expense ratio of Tata Equity Saving Fund-Dir (IDCW-M) Direct Growth?

The expense ratio of Tata Equity Saving Fund-Dir (IDCW-M) Direct Growth is 0.50%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of Tata Equity Saving Fund-Dir (IDCW-M) Fund Direct Growth?

The Assets Under Management (AUM) of Tata Equity Saving Fund-Dir (IDCW-M) is ₹233.29 (Cr) as of 2025-01-15 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from Tata Equity Saving Fund-Dir (IDCW-M) Direct Growth?

Redeeming or selling units of Tata Equity Saving Fund-Dir (IDCW-M) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from Tata Equity Saving Fund-Dir (IDCW-M):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case Tata Equity Saving Fund-Dir (IDCW-M)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).