WOC Equity Savings Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?
- September 16, 2026
- Posted by: Chaitanya Auti
- Category: Mutual Funds
WOC Equity Savings Fund Direct Growth Plan has a NAV of ₹11.744 as of 15 Sep 2026 and an AUM of ₹273 Cr. Its 1-year, 3-year and 5-year returns are 6.63%, 0%, and 0%, respectively, and it sits in the Medium Risk bucket. Our view is that the fund looks more suited to conservative hybrid investors who want a smoother ride than an equity-heavy portfolio, but the very short live performance history means the longer record is still limited.
That matters because the fund has behaved better over the most recent 1-year window than over the shorter 3-month stretch, while the benchmark has remained weak across those same periods. The portfolio mix also helps explain the shape of returns: the fund holds a meaningful blend of banks, government securities, cash-like exposures and select equity names, which may support stability more than aggressive capital growth.
Quick facts
| Particular | Details |
|---|---|
| NAV | ₹11.744 as of 15 Sep 2026 |
| AUM | ₹273 Cr |
| Expense Ratio | 0.48% |
| Launch Date | 12 Mar 2025 |
| Min SIP | ₹100 |
| Risk Category | Medium Risk |
| Benchmark | Nifty 50 |
| Fund Category | Hybrid |
| Exit Load | NIL upto 10% of units and 0.25% for remaining units on or before 7D, NIL after 7D |
| Fund Managers | Ramesh Mantri, Dheeresh Pathak, Trupti Agarwal, Piyush Baranwal |
The fund is managed by Ramesh Mantri, Dheeresh Pathak, Trupti Agarwal and Piyush Baranwal.
Source data date: as of 15 Sep 2026
Performance
| Period | Fund return | Benchmark return |
|---|---|---|
| 1M | -0.65% | -4.81% |
| 3M | 2.08% | -3.63% |
| 1Y | 6.63% | -8.27% |
| 3Y | Data not available | Data not available |
| 5Y | Data not available | Data not available |
The recent pattern is mixed, but it is still better than the benchmark across every available window. The 1-month return was slightly negative at -0.65%, yet that still held up far better than the benchmark’s -4.81%. Over 3 months, the fund moved ahead to 2.08% while the benchmark stayed negative at -3.63%, which suggests the fund has preserved some stability even when markets were soft.
The 1-year return of 6.63% is the clearest sign that the fund has delivered positive compounding over a full year, while the benchmark was down 8.27%. That spread is important because it shows the fund has not simply matched market weakness; it has changed the outcome meaningfully for investors over the past year. Even so, the live track record is short, so we would treat this as an early read rather than a mature long-term pattern.
The 3-year and 5-year figures are not available because the scheme itself has been in the market for a relatively short time. For that reason, we place more weight on the 1-month, 3-month and 1-year behaviour. Taken together, they show a fund that has been more resilient than the benchmark, but not one that has produced a smooth monthly path.
Source data date: as of 15 Sep 2026
Should you BUY or HOLD WOC Equity Savings?
A fund’s past returns alone don’t tell you whether you should buy it today or continue holding it.
The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.
Already holding WOC Equity Savings? Thinking of investing now?
Peer comparison
| Fund | 1Y return | 3Y return | 5Y return |
|---|---|---|---|
| Edelweiss Equity Savings Fund Direct Growth Plan | 8.26% | 11.32% | 9.71% |
| HSBC Equity Savings Fund Direct Growth Plan | 6.84% | 12.61% | 10.76% |
| WOC Equity Savings Fund Direct Growth Plan | 6.63% | Data not available | Data not available |
| Mahindra Manulife Equity Savings Fund Direct Growth Plan | 5.58% | 9.02% | 8.63% |
| Axis Equity Savings Fund Direct Growth Plan | 5.15% | 9.4% | 7.84% |
This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.
On the 1-year number, the fund sits below Edelweiss and HSBC, but it is ahead of Mahindra Manulife and Axis. That places its recent showing in the middle of the peer set on available return data, rather than at either extreme. The gap to the better 1-year peer result is not small, so the fund’s current momentum is respectable but not leading.
The longer-term picture is harder to compare because this fund does not yet have 3-year or 5-year figures. Among the peers with those records, HSBC and Edelweiss have delivered stronger multi-year returns than the current fund can show today, while Mahindra Manulife and Axis also have established longer histories. So the available comparison says more about the fund’s young age than about a lasting disadvantage.
In practical terms, the short-term comparison is more favorable than the longer-term one because the fund has already shown it can stay ahead of the benchmark, even if some peers have posted stronger full-cycle numbers. That makes the peer story balanced: the fund is competitive on the latest year, but it still needs time before long-term comparisons can be judged on the same footing.
Source data date: as of 15 Sep 2026
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Portfolio: where your money goes
| Holding | Sector | Weight |
|---|---|---|
| ICICI Bank Limited | Bank | 8.03% |
| 6.28% Government of India (14/07/2032) | Government Securities | 5.21% |
| HDFC Bank Limited | Bank | 4.88% |
| Vodafone Idea Limited | Telecom | 4.88% |
| Clearing Corporation of India Ltd | Cash & Cash Equivalents and Net Assets | 4.21% |
| Coforge Limited | IT | 3.15% |
| 6.36% Government of India (16/02/2031) | Government Securities | 2.90% |
| Bharti Airtel Limited | Telecom | 2.75% |
| Nexus Select Trust – Reit | Finance | 2.68% |
| Net Receivables / (Payables) | Cash & Cash Equivalents and Net Assets | 2.53% |
The top 10 holdings account for approximately 41.22% of the portfolio.
To see all holdings, visit the WOC Equity Savings Fund Direct Growth Plan page
ICICI Bank Limited is the largest disclosed holding at 8.03%, and that size gives it the most influence among the visible positions. After that, the weights taper fairly quickly into government securities, another bank name, telecom exposure and cash-like holdings, which suggests the fund is not relying on a single theme to carry the portfolio.
The step-down from 8.03% to 2.53% at the tenth holding shows a moderate spread rather than a sharply concentrated top slice. The first 10 positions together make up 41.22% of the portfolio, so a meaningful share of assets still sits beyond the visible top holdings. With 44 holdings disclosed overall, the fund may have a longer tail of smaller positions that reduces single-name dependence.
That structure matters for an equity savings fund because the visible mix includes banks, government securities, cash equivalents and selected equity-linked names. Our view is that this kind of blend may help keep the fund steadier than a pure equity portfolio, although it can also limit upside if equity markets strengthen quickly.
Source data date: as of 15 Sep 2026
Who should invest
This fund may suit investors who are comfortable with Medium Risk and want a hybrid allocation that can behave more steadily than an equity-only scheme. The 1-year return has been positive while the benchmark has been negative, but the short live record means the longer story is still developing.
We think the right horizon is at least medium term, because the portfolio is built around a mix of equities, government securities and cash-like holdings rather than a single return driver. Investors should accept a trade-off between moderation and upside: the structure may soften volatility, but it may also trail a stronger equity market in a sharp rally.
Tax and exit load
| Holding period | Tax rate | Description |
|---|---|---|
| Units held less than 1 year | 20% | Short-term capital gains tax |
| Units held more than 1 year | 12.5% | Long-term capital gains tax |
Exit load: NIL upto 10% of units and 0.25% for remaining units on or before 7D, NIL after 7D.
Source data date: as of 15 Sep 2026
Frequently asked questions
What is the current NAV of WOC Equity Savings Fund Direct Growth Plan?
The current NAV is ₹11.744 as of 15 Sep 2026.
What are the fund’s 1-year, 3-year and 5-year returns?
Its 1-year return is 6.63%, while the 3-year and 5-year returns are not available because the scheme has not yet built those histories.
How has the fund performed versus the benchmark?
It has done better than Nifty 50 across the available periods. For example, the fund’s 1-year return is 6.63% versus -8.27% for the benchmark.
How does it compare with peer funds on available return data?
Its latest 1-year return sits below Edelweiss Equity Savings Fund Direct Growth Plan and HSBC Equity Savings Fund Direct Growth Plan, but ahead of Mahindra Manulife Equity Savings Fund Direct Growth Plan and Axis Equity Savings Fund Direct Growth Plan.
What is the minimum SIP amount?
The minimum SIP amount is ₹100.
Who manages the fund and what is the exit load?
The fund is managed by Ramesh Mantri, Dheeresh Pathak, Trupti Agarwal and Piyush Baranwal. The exit load is NIL upto 10% of units and 0.25% for remaining units on or before 7D, NIL after 7D.
Bottom line
WOC Equity Savings Fund Direct Growth Plan has shown a better recent outcome than its benchmark, but the record is still young, so we would treat the longer picture with caution. Compared with peers on the available return data, it looks competitive on the latest year but does not yet have a multi-year track record to match the established names. The Medium Risk tag and the mix of banks, government securities and cash-like exposures point to a steadier hybrid profile that may appeal to investors seeking balance rather than aggressive growth.
Published on 16 September 2026 at 2:13 PM IST
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RIA disclosure
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.