Two funds walk into a table. Only the numbers talk.
Bajaj Finserv Equity Savings Fund vs HSBC Equity Savings Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- ABajaj Finserv Equity Savings Fund
Bajaj Finserv Mutual Fund- Equity Savings Fund
- Direct plan
- Moderate Risk
NAV ₹10.64 on 13 Nov 2026
- BHSBC Equity Savings Fund
HSBC Mutual Fund- Equity Savings Fund
- Direct plan
- Moderate Risk
NAV ₹42.17 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 1 year all of them have been around.
Grew faster
BHSBC Equity Savings Fund
HSBC Equity Savings Fund returned 9.8% in the last year, against 5.1% for Bajaj Finserv Equity Savings Fund. ₹1 lakh invested 1 year ago would be about ₹1.1 Lakh today, against ₹1.05 Lakh.
Smoother ride
ABajaj Finserv Equity Savings Fund
Bajaj Finserv Equity Savings Fund swung the least: about 2.5% a year either way, against 7.2% for HSBC Equity Savings Fund. Lower means fewer scary days.
Fell less in a crash
ABajaj Finserv Equity Savings Fund
At its worst, Bajaj Finserv Equity Savings Fund fell 1.6% from its peak, against 11.5% for HSBC Equity Savings Fund. On ₹1 lakh, that's a dip to ₹88,466 at the bottom for HSBC Equity Savings Fund. Could you have held on?
Costs less
ABajaj Finserv Equity Savings Fund
Bajaj Finserv Equity Savings Fund charges 1.11% a year, against 1.47% for HSBC Equity Savings Fund. On ₹1 lakh that's ₹1,110 a year against ₹1,470, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- ABajaj Finserv Equity Savings Fund₹10,513 from ₹10,000(5.1% a year)
- BHSBC Equity Savings Fund₹10,977 from ₹10,000(9.8% a year)
A one-time ₹10,000 put in 1 year ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
ABajaj Finserv Equity Savings Fund
- Strength: Swings less than most funds in its category
- Watch out: Small fund (₹40 Cr), often newer or less tested
- Watch out: Less than 3 years of history, too short to judge
BHSBC Equity Savings Fund
- Strength: Ahead of its category: 13.4% a year over 3 years, against a category average of 9.1%
- Strength: In the top quarter of its category over 3 years (#1 of 20)
- Strength: Beat a 5-year SBI FD: 13.4% a year over 3 years, against 6.05%
- Watch out: Swings more than most funds in its category
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | ABajaj Finserv Equity Savings Fund | BHSBC Equity Savings Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 5.1%#9 of 23 · avg 4.7% | 9.8%Best#1 of 23 · avg 4.7% |
| 3 yearsPer year, over a full market mood swing | – | 13.4%#1 of 20 · avg 9.1% |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 2.5%Bestcategory avg 4.6% | 7.2%category avg 4.6% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −1.6%Bestcategory avg −14% | −11.5%category avg −14% |
| Best 12 monthsIts strongest year | 5.6% | 28%Best |
| Worst 12 monthsIts weakest year | 3.3%Best | 0.1% |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 100% | 100% |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 1.11%Best | 1.47% |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹40 Cr | ₹1,558 Cr |
| Minimum SIPSmallest monthly amount | ₹500 | ₹500 |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
ABajaj Finserv Equity Savings Fund
Might suit you if…
- a smoother ride matters more to you than the top return
- you care about keeping costs low, which adds up over decades
BHSBC Equity Savings Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls