Aditya Birla Sun Life Equity Savings Fund vs HDFC NIFTY 100 Index Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Equity Savings Fund is an Equity Savings fund and HDFC NIFTY 100 Index Fund is an Index fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life Equity Savings Fund (Direct) returned 7.7% a year and HDFC NIFTY 100 Index Fund (Direct) returned 8.7% a year. Aditya Birla Sun Life Equity Savings Fund charges 1.19% a year and HDFC NIFTY 100 Index Fund 0.36% (Direct plans). Their portfolios overlap 42.9%: they hold 57 of the same securities.
Aditya Birla Sun Life Equity Savings Fund
Equity Savings
- 3 year return
- 7.7%
- Expense ratio
- 1.19%
- NAV
- ₹25.78
HDFC NIFTY 100 Index Fund
Index
- 3 year return
- 8.7%
- Expense ratio
- 0.36%
- NAV
- ₹14.33
Which is better, Aditya Birla Sun Life Equity Savings or HDFC NIFTY 100 Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- HDFC NIFTY 100 Index returned more over 3 years: 8.7% a year against 7.7%.
- Aditya Birla Sun Life Equity Savings returned more over 1 year: 3.0% against −9.0%.
- HDFC NIFTY 100 Index costs less: 0.36% a year against 1.19% (Direct plans).
- Aditya Birla Sun Life Equity Savings swung less over 3 years: a standard deviation of 2.8% a year against 13.6%.
- Aditya Birla Sun Life Equity Savings fell less in its worst fall since 23-02-2022: −7.6% against −17.3%.
- HDFC NIFTY 100 Index holds more in large companies: 98.0% of the fund in large caps against 49.6%.
- Aditya Birla Sun Life Equity Savings is the larger fund: ₹1,116 Cr against ₹457 Cr.
- Their portfolios overlap 42.9%: 57 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Equity Savings Fund | HDFC NIFTY 100 Index Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | HDFC Mutual Fund |
| Category | Equity Savings | Index |
| AUM | ₹1,116 Cr (30-09-2026) | ₹457 Cr (30-09-2026) |
| NAV | ₹25.78 (Direct) | ₹14.33 (Direct) |
| Expense ratio (Direct) | 1.19% | 0.36% |
| Expense ratio (Regular) | 1.67% | 0.81% |
| Riskometer | Moderate | Very High |
| Benchmark | Nifty Equity Savings TRI | Nifty 100 TRI |
| Launch date | 28-11-2014 | 23-02-2022 |
| Minimum investment | ₹1,000 | ₹100 |
| Lock in | None | None |
| Fund managers | Lovelish Solanki, Harshil Suvarnkar, Rohit Karan s | Nandita Menezes, Arun Agarwal |
| Exit load | Exit load of 0.25%, if redeemed within 7 days. | NIL |
Aditya Birla Sun Life Equity Savings vs HDFC NIFTY 100 Index: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Equity Savings Fund (Direct) | −0.08% | −0.85% | +1.42% | +2.96% | +7.69% | +6.37% | +7.86% |
| HDFC NIFTY 100 Index Fund (Direct) | +1.01% | −5.39% | −3.12% | −9.00% | +8.65% | -- | -- |
| Equity Savings average | −0.02% | −0.68% | +1.71% | +2.12% | +8.55% | +7.55% | +8.43% |
Category average: the average of the 23 Equity Savings funds, same plan type.
Aditya Birla Sun Life Equity Savings vs HDFC NIFTY 100 Index: Year-wise Returns
| Year | Aditya Birla Sun Life Equity SavingsAditya Birla Sun Life Equity Savings | HDFC NIFTY 100 IndexHDFC NIFTY 100 Index |
|---|---|---|
| 2026to date | +1.66% | −9.57% |
| 2025 | +9.50% | +9.87% |
| 2024 | +8.73% | +12.39% |
| 2023 | +12.52% | +20.80% |
| 2022 | 0.00% | -- |
| 2021 | +14.04% | -- |
Aditya Birla Sun Life Equity Savings vs HDFC NIFTY 100 Index: Rolling Returns
Every holding period of both funds, against Nifty 100 TRI, the benchmark of HDFC NIFTY 100 Index Fund
Rolling returns
Every 3-year holding period, 414 of them, one for each trading day from 24-02-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life Equity Savings Fund (Direct)
HDFC NIFTY 100 Index Fund (Direct)
Nifty 100 TRI
to
Apr 2025Jul 2022
to
Jul 2025Nov 2022
to
Nov 2025Feb 2023
to
Feb 2026Jun 2023
to
Jun 2026Sept 2023
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Equity Savings | 0.0 | 0.0 | 64.5 | 35.5 | 0.0 | 0.0 | 0.0 | 9.4% | 9.7% | 7.3% | 11.5% | 1% |
| HDFC NIFTY 100 Index | 0.0 | 0.0 | 15.0 | 67.3 | 17.7 | 0.0 | 0.0 | 12.8% | 13.0% | 6.7% | 19.0% | 0% |
| Nifty 100 TRI | 0.0 | 0.0 | 11.4 | 65.0 | 23.7 | 0.0 | 0.0 | 13.2% | 13.5% | 7.1% | 19.6% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty 100 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 23-02-2022. Past returns do not promise future returns.
Aditya Birla Sun Life Equity Savings vs HDFC NIFTY 100 Index: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-02-2022 to 30-10-2026: 57 instalments, ₹5,70,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Equity SavingsAditya Birla Sun Life Equity Savings Fund (Direct) | ₹5,70,000 | ₹6,77,777 | ₹1,07,777 | 7.2% |
| HDFC NIFTY 100 IndexHDFC NIFTY 100 Index Fund (Direct) | ₹5,70,000 | ₹6,47,968 | ₹77,968 | 5.4% |
Aditya Birla Sun Life Equity SavingsAditya Birla Sun Life Equity Savings Fund (Direct)
HDFC NIFTY 100 IndexHDFC NIFTY 100 Index Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Equity Savings vs HDFC NIFTY 100 Index: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Equity Savings Fund (Direct) | HDFC NIFTY 100 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +2.96% | −9.00% |
| Standard deviation | 3.29% | 13.87% |
| Sharpe ratio | -0.70 | -1.03 |
| Sortino ratio | -0.95 | -1.37 |
| Maximum drawdown | −2.5% (30-03-2026) | −15.0% (31-03-2026) |
| Beta | -- | 1.00 |
| Alpha | -- | −0.33% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Equity Savings Fund (Direct) | HDFC NIFTY 100 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.69% | +8.65% |
| Standard deviation | 2.84% | 13.63% |
| Sharpe ratio | 0.59 | 0.19 |
| Sortino ratio | 0.83 | 0.27 |
| Maximum drawdown | −2.5% (30-03-2026) | −17.3% (28-02-2025) |
| Beta | -- | 1.00 |
| Alpha | -- | −0.42% |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Equity Savings Fund (Direct) | HDFC NIFTY 100 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.27% | +8.00% |
| Standard deviation | 5.98% | 13.63% |
| Sharpe ratio | 0.43 | 0.15 |
| Sortino ratio | 0.58 | 0.21 |
| Maximum drawdown | −17.8% (23-03-2020) | −17.3% (28-02-2025) |
| Beta | -- | 1.00 |
| Alpha | -- | −0.44% |
From daily NAVs, 01-12-2014 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life Equity Savings Fund (Direct)
HDFC NIFTY 100 Index Fund (Direct)
Nifty 100 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Equity Savings Fund (Direct) | −7.6% | 05-04-2022 | 17-06-2022 | 13-09-2022 | 3 months | −1.6% |
| HDFC NIFTY 100 Index Fund (Direct) | −17.3% | 26-09-2024 | 28-02-2025 | Not yet | -- | −10.7% |
| Nifty 100 TRI | −17.2% | 26-09-2024 | 28-02-2025 | 02-01-2026 | 10 months | −10.1% |
From daily values since 23-02-2022, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Equity Savings Fund (Direct)
HDFC NIFTY 100 Index Fund (Direct)
Nifty 100 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Equity Savings Fund (Direct)
HDFC NIFTY 100 Index Fund (Direct)
Nifty 100 TRI
Against Nifty 100 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Equity Savings Fund (Direct) | 39% | 15% | 10.78% |
| HDFC NIFTY 100 Index Fund (Direct) | 99% | 100% | 0.11% |
From month-end values since 23-02-2022. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Aditya Birla Sun Life Equity Savings vs HDFC NIFTY 100 Index: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Equity Savings Fund, September 2026; HDFC NIFTY 100 Index Fund, September 2026
Holdings in common
- Overlap
- 42.9%
- Held by both
- 57
- Only in Aditya Birla Sun Life Equity Savings
- 55
- Only in HDFC NIFTY 100 Index
- 43
| Security | % of Aditya Birla Sun Life Equity Savings | % of HDFC NIFTY 100 Index |
|---|---|---|
| ICICI Bank Ltd. | 7.21% | 7.35% |
| HDFC Bank Ltd. | 5.16% | 8.42% |
| Reliance Industries Ltd. | 3.38% | 6.15% |
| Kotak Mahindra Bank Ltd. | 3.00% | 2.38% |
| Axis Bank Ltd. | 2.11% | 2.73% |
| State Bank of India | 2.06% | 3.07% |
| Mahindra & Mahindra Ltd. | 1.87% | 2.04% |
| Bajaj Finance Ltd. | 1.86% | 2.03% |
| Bharti Airtel Ltd. | 1.41% | 4.14% |
| Adani Ports and Special Economic Zone Ltd. | 2.77% | 1.09% |
| Sun Pharmaceutical Industries Ltd. | 1.06% | 1.49% |
| Ultratech Cement Ltd. | 1.11% | 1.01% |
| Larsen & Toubro Ltd. | 1.01% | 3.41% |
| Adani Enterprises Ltd. | 1.71% | 0.76% |
| Oil & Natural Gas Corporation Ltd. | 0.64% | 0.68% |
| Tata Steel Ltd. | 0.57% | 1.19% |
| Cholamandalam Investment & Finance Co. Ltd. | 0.54% | 0.54% |
| Infosys Ltd. | 0.50% | 2.72% |
| Vedanta Aluminium Metal Ltd. | 0.46% | 0.54% |
| ITC Ltd. | 0.46% | 1.96% |
| NTPC Ltd. | 0.44% | 1.19% |
| Bajaj Finserv Ltd. | 0.42% | 0.78% |
| Tata Consultancy Services Ltd. | 0.37% | 1.62% |
| Coal India Ltd. | 0.37% | 0.79% |
| Vedanta Ltd. | 1.42% | 0.35% |
| Interglobe Aviation Ltd. | 0.33% | 0.87% |
| Bharat Electronics Ltd. | 0.33% | 1.08% |
| Hindalco Industries Ltd. | 0.32% | 1.06% |
| Tech Mahindra Ltd. | 0.32% | 0.75% |
| Canara Bank | 1.01% | 0.31% |
| Vodafone Idea Ltd. | 1.51% | 0.28% |
| Trent Ltd. | 0.28% | 0.68% |
| Eternal Ltd. | 0.26% | 1.80% |
| Titan Company Ltd. | 0.22% | 1.47% |
| Hindustan Unilever Ltd. | 0.20% | 1.29% |
| Tata Power Company Ltd. | 0.19% | 0.47% |
| Maruti Suzuki India Ltd. | 0.18% | 1.21% |
| Shriram Finance Ltd. | 0.16% | 1.07% |
| HCL Technologies Ltd. | 0.15% | 1.00% |
| Bajaj Auto Ltd. | 0.14% | 0.92% |
| JSW Steel Ltd. | 0.14% | 0.94% |
| Power Grid Corporation of India Ltd. | 0.14% | 0.91% |
| Grasim Industries Ltd. | 0.14% | 0.90% |
| Hyundai Motor India Ltd. | 0.14% | 0.22% |
| Asian Paints Ltd. | 0.13% | 0.84% |
| Eicher Motors Ltd. | 0.11% | 0.76% |
| Nestle India Ltd. | 0.11% | 0.73% |
| Hindustan Zinc Ltd. | 0.11% | 0.21% |
| Apollo Hospitals Enterprise Ltd. | 0.10% | 0.65% |
| SBI Life Insurance Co. Ltd. | 0.09% | 0.59% |
| Dr. Reddy's Laboratories Ltd. | 0.09% | 0.58% |
| Cipla Ltd. | 0.09% | 0.59% |
| Max Healthcare Institute Ltd. | 0.08% | 0.54% |
| Jio Financial Services Ltd. | 0.08% | 0.55% |
| Tata Motors Passenger Vehicles Ltd. | 0.07% | 0.46% |
| Tata Consumer Products Ltd. | 0.07% | 0.48% |
| HDFC Life Insurance Company Ltd. | 0.05% | 0.43% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 42.9% means 42.9% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Equity Savings Fund
| Security | % of fund |
|---|---|
| UPL Ltd. | 4.84% |
| Aditya Birla Sun Life Liquid Fund Direct Plan Growth | 4.71% |
| Aditya Birla Sun Life Money Market Fund - Growth - Direct Plan | 3.81% |
| Patanjali Foods Ltd. | 2.94% |
| GMR Airports Ltd. | 2.38% |
Largest holdings only in HDFC NIFTY 100 Index Fund
| Security | % of fund |
|---|---|
| Bombay Stock Exchange Limited (BSE) | 0.97% |
| Divis Laboratories Ltd. | 0.92% |
| TVS Motor Company Ltd. | 0.75% |
| Hindustan Aeronautics Limited | 0.69% |
| Tata Motors Limited | 0.68% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Equity Savings | HDFC NIFTY 100 Index |
|---|---|---|
| Equity | 71.1% | 100.1% |
| Debt | 7.9% | 0.0% |
| Cash and others | 21.0% | -0.1% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Equity Savings | HDFC NIFTY 100 Index |
|---|---|---|
| Large Cap | 49.6% | 98.0% |
| Mid Cap | 15.3% | 2.0% |
| Small Cap | 4.7% | 0.0% |
| Not on AMFI's list | 1.5% | 0.0% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life Equity Savings | HDFC NIFTY 100 Index |
|---|---|---|
| Banks | 22.3% | 25.1% |
| Petroleum Products | 3.4% | 7.0% |
| IT - Software | 1.7% | 6.7% |
| Automobiles | 2.5% | 6.4% |
| Finance | 3.2% | 6.2% |
| Transport Infrastructure | 5.2% | 1.1% |
| Fertilizers & Agrochemicals | 4.8% | 0.0% |
| Telecom - Services | 3.4% | 4.4% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Equity Savings vs HDFC NIFTY 100 Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Equity Savings Fund | HDFC NIFTY 100 Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.19% | 0.36% |
| Base expense ratio (Direct) | 0.45% | 0.25% |
| Total expense ratio (Regular) | 1.67% | 0.81% |
| Base expense ratio (Regular) | 0.86% | 0.64% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Aditya Birla Sun Life Equity Savings with
- Aditya Birla Sun Life Equity Savings vs HSBC Equity Savings
- Aditya Birla Sun Life Equity Savings vs Edelweiss Equity Savings
- Aditya Birla Sun Life Equity Savings vs Mirae Asset Equity Savings
- Aditya Birla Sun Life Equity Savings vs Kotak Equity Savings
- Aditya Birla Sun Life Equity Savings vs Axis Equity Savings
Aditya Birla Sun Life Equity Savings Fund vs HDFC NIFTY 100 Index Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Equity Savings Fund and HDFC NIFTY 100 Index Fund?
Aditya Birla Sun Life Equity Savings Fund is an Equity Savings fund, HDFC NIFTY 100 Index Fund is an Index fund, run by Aditya Birla Sun Life Mutual Fund and HDFC Mutual Fund. Their portfolios overlap 42.9%. Aditya Birla Sun Life Equity Savings Fund charges 1.19% a year and HDFC NIFTY 100 Index Fund 0.36%.
Which has given higher returns, Aditya Birla Sun Life Equity Savings Fund or HDFC NIFTY 100 Index Fund?
Over 1 year: Aditya Birla Sun Life Equity Savings Fund +2.96%, HDFC NIFTY 100 Index Fund −9.00%. Over 3 years: Aditya Birla Sun Life Equity Savings Fund +7.69% a year, HDFC NIFTY 100 Index Fund +8.65% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Equity Savings Fund or HDFC NIFTY 100 Index Fund?
HDFC NIFTY 100 Index Fund charges less: 0.36% a year against 1.19%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Equity Savings Fund and HDFC NIFTY 100 Index Fund overlap?
42.9%. They hold 57 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, RELIANCE. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Equity Savings Fund or HDFC NIFTY 100 Index Fund?
On SEBI's riskometer, Aditya Birla Sun Life Equity Savings Fund is rated Moderate and HDFC NIFTY 100 Index Fund Very High. Over 3 years, the standard deviation of daily returns was 2.84% and 13.63% a year.
Which is better for SIP, Aditya Birla Sun Life Equity Savings Fund or HDFC NIFTY 100 Index Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹4,05,585 in Aditya Birla Sun Life Equity Savings Fund (XIRR 5.9% a year) and ₹3,71,127 in HDFC NIFTY 100 Index Fund (XIRR 0.2% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Equity Savings Fund and HDFC NIFTY 100 Index Fund?
Yes. 42.9% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Aditya Birla Sun Life Equity Savings Fund and HDFC NIFTY 100 Index Fund?
Aditya Birla Sun Life Equity Savings Fund: Lovelish Solanki, Harshil Suvarnkar, Rohit Karan s. HDFC NIFTY 100 Index Fund: Nandita Menezes, Arun Agarwal.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.