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Essel Regular Savings Fund


1 Lakh

Investment Grown to
₹ 1.18 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.93 Lakh

Analyst's Choice?

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three years.

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 1.04 -0.09 -0.10 0.31 1.90 5.00 8.35 5.75 6.26 7.64 --
VR MIP TRI 0.84 -0.09 0.22 0.29 2.20 5.31 10.43 8.73 7.39 8.93 --
Hybrid: Conservative Hybrid 1.65 -0.06 0.11 0.99 2.51 5.68 8.62 6.32 6.71 8.64 --
Rank within category 32 28 31 31 29 26 22 27 23 25 --
Number of funds in category 39 39 39 39 38 38 36 36 33 30 22

As on 14-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 1.85 (19-Sep-2019 - 26-Sep-2019) -1.66 (17-Aug-2015 - 24-Aug-2015)
Month 3.34 (07-May-2014 - 06-Jun-2014) -2.29 (07-Sep-2018 - 09-Oct-2018)
Quarter 5.41 (07-Apr-2014 - 07-Jul-2014) -2.09 (26-Nov-2015 - 25-Feb-2016)
Year 15.66 (29-Jan-2014 - 29-Jan-2015) 0.71 (26-Oct-2017 - 26-Oct-2018)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.34 2.66 -0.12 -0.17 0.54 -1.67
VR MIP TRI 8.13 4.10 0.60 0.95 -- --
Hybrid: Conservative Hybrid 5.80 4.21 0.08 0.18 0.75 -1.72
Rank within category 24 4 26 26 5 20
Number of funds in category 36 36 36 36 36 36

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 50
Number of Bonds 7
Average Maturity (yrs) 0.60
Top 10 Holdings (%) 70.36
Portfolio P/B Ratio 2.91
Portfolio P/E Ratio 21.16

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal Axis Finance 61-D 18/02/2020 Commercial Paper A1+ 0.00 - 12.20 12.20
equal ICICI Bank 18/12/2020 Certificate of Deposit A1+ 0.00 - 12.14 12.14
equal 8.36% REC 22/09/2020 Debenture AAA 9.46 - 11.02 11.02
equal 7.40% Power Finance Corp. 30/09/2021 Bonds AAA 9.22 - 11.01 11.01
equal 8.70% HDFC 15/12/2020 Debenture AAA 7.12 - 8.29 8.29
equal AU Small Finance Bank 25/02/2020 Certificate of Deposit A1+ 4.36 - 8.12 8.12
equal Britannia Inds. 28/08/2022 Non Convertible Debenture AAA 0.00 - 0.00 0.00

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal India Grid Trust Engineering -- 5.69 0.00 3.06
equal HDFC Bank Financial 25.37 2.21 1.08 1.93
equal ICICI Bank Financial 36.96 1.74 0.36 1.73
equal Axis Bank Financial 43.49 0.93 0.00 0.86
down Kotak Mahindra Bank Financial 37.06 1.46 0.59 0.84
equal Federal Bank Financial 10.04 0.75 0.00 0.75
equal Tech Mahindra Technology 18.44 0.70 0.00 0.70
equal ITC FMCG 16.80 1.54 0.42 0.69
equal AIA Engineering Metals 28.63 0.68 0.00 0.68
equal Reliance Industries Energy 21.61 1.01 0.00 0.66
equal State Bank of India Financial 23.87 0.66 0.00 0.64
equal GSK Consumer Healthcare FMCG 35.25 0.60 0.00 0.60
up Cipla Healthcare 20.87 0.57 0.00 0.57
up Escorts Automobile 23.55 0.46 0.00 0.46
equal HCL Technologies Technology 15.96 0.75 0.00 0.45
down Larsen & Toubro Construction 18.40 0.96 0.00 0.44
equal HG Infra Engineering Construction 10.80 0.42 0.00 0.42
equal Container Corp. Services 73.96 0.61 0.00 0.42
equal Supreme Industries Chemicals 37.51 0.41 0.00 0.41
equal Ratnamani Metals & Tubes Metals 20.31 0.56 0.00 0.40
down Infosys Technology 20.56 1.34 0.00 0.39
equal HDFC Life Insurance Financial 84.60 0.57 0.00 0.39
equal Indusind Bank Financial 18.06 0.82 0.00 0.38
equal Mastek Technology 9.46 0.36 0.00 0.36
equal V-Mart Retail Services 70.01 0.35 0.00 0.35

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jan-2020

Fund Manager

— Suraj Makhija since 17-May-2019

Education: MBA, CA & CFA level 3

Experience: Prior Joining To The Essel Mutual Fund He Has Worked With Reliance Nippon Life Insurance as Fund Manager - ULIP and Research Analyst (July 1 2008 to August 31 2018)

Funds Managed:

— Archit Shah since 06-Mar-2019

Education: Mr. Shah holds B.Com, MBA and CFA.

Experience: Prior to joining Essel Mutual Fund, he has worked with Acko General Insurance Ltd. as Investment Head, Taurus Mutual Fund as Fund Manager, CRISIL and I-Peritus Solutions & Services Pvt. Ltd. as Research Analyst.

Funds Managed:


-0.09%

Change from previous, NAV as on 14-Feb-2020

Growth: ₹ 20.0722

Dividend Quarterly: ₹ 12.3450

Dividend Monthly: ₹ 10.3199


Investment Strategy

To generate regular income through a portfolio of predominantly high quality fixed income securities and with a marginal exposure to equity and equity related instruments.

Investment Details

Minimum Investment (₹) 1,000
Minimum Addl Investment (₹) 100
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1
Exit Load For units in excess of 15% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Essel Mutual Fund
Launch Date: 29-Jul-2010
Return Since Launch: 7.57%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 37 Cr (As on 31-Jan-2020)
Expense: 2.05% (As on 31-Jan-2020)
Risk Grade: Below Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly31-Jan-20200.0372

 27-Dec-20190.0371
 29-Nov-20190.0373
 25-Oct-20190.0369
 27-Sep-20190.0370
 30-Aug-20190.0365
 26-Jul-20190.0365
 28-Jun-20190.0370
 31-May-20190.0372
 26-Apr-20190.0370
 29-Mar-20190.0370
 28-Dec-20180.0364
 30-Nov-20180.0364
 31-Aug-20180.0367
 27-Jul-20180.0365
 29-Jun-20180.0301
 25-May-20180.0546
 27-Apr-20180.0552
 23-Feb-20180.0549
 25-Jan-20180.0561
 29-Dec-20170.0563
 24-Nov-20170.0566
 27-Oct-20170.0570
 29-Sep-20170.0569
 24-Aug-20170.0574
Dividend Quarterly22-Mar-20180.1624

 02-Nov-20170.1658
 02-May-20170.1634
 20-Feb-20170.1862
 26-Oct-20160.1875
 20-Jun-20160.1811
 28-Mar-20160.1786
 05-Nov-20150.1837
 25-Aug-20150.1857
 05-May-20150.1806
 22-Jan-20150.1815
 21-Oct-20140.2178
 05-May-20140.1636
 31-Jan-20140.1636
 30-Sep-20130.1636
 03-May-20130.1839
 04-Feb-20130.1850
 02-Nov-20120.1586
 23-Jul-20120.1586
 30-Apr-20120.1321
 22-Mar-20120.1586
 31-Oct-20110.0793
 21-Jul-20110.1659
 03-Nov-20100.1924

Contact Information

AMC: Essel Finance AMC Ltd.

Address: Peerless Mansion, 3rd Floor, 1 Chowringhee Square, Kolkata - 700069

Phone: 033-40185000 / 1800-103-8999

Fax: 033-40185010

Email: [email protected]

Website: www.esselfinance.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills, Hyderabad - 500034

Phone: 040-23312454

Email: [email protected]

Website: www.karvymfs.com

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