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3 star

PGIM India Equity Savings Fund - Direct Plan

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Hybrid: Equity Savings

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1 Lakh

Investment Grown to
₹ 1.34 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.31 Lakh

Suitability:

"Equity-savings funds invest about a third of your money each in equity shares, bonds and arbitrage opportunities, though these proportions may vary a bit depending upon the market outlook of the fund manager. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt and arbitrage portions of these funds can provide a moderate, but steady stream of income. The equity allocation, though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, 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 per cent of the value of your investment every year."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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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 13.27 -0.13 0.19 -0.23 1.25 5.85 16.26 10.23 9.47 9.61 --
VR MIP TRI 10.44 -0.46 0.39 -1.10 0.55 5.28 13.12 10.42 9.54 8.53 --
Hybrid: Equity Savings 13.02 -0.27 0.28 -0.87 1.00 5.94 15.88 10.58 9.67 9.36 --
Rank within category 11 2 17 4 9 11 11 14 9 -- --
Number of funds in category 23 23 23 23 23 23 23 18 13 3 0

As on 03-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
PGIM India Equity Savings Fund - Direct Plan  | Invest Online
3 star
 Jan-13 16.26 10.23 9.47 0.17% 104
HDFC Equity Savings Fund - Direct Plan  | Invest Online
4 star
 Jan-13 21.41 11.39 10.84 1.26% 2,516
Kotak Equity Savings Fund - Direct Plan  | Invest Online
4 star
 Oct-14 14.11 10.79 10.35 1.20% 1,626
Axis Equity Saver Fund - Direct Plan
4 star
 Aug-15 17.94 12.40 11.73 0.92% 1,053
ICICI Prudential Equity Savings Fund - Direct Plan  | Invest Now
3 star
 Dec-14 11.61 8.96 8.35 0.43% 4,506

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.90 08-May-2014 - 15-May-2014 -7.92 11-Mar-2020 - 18-Mar-2020
Month 6.94 23-Mar-2020 - 22-Apr-2020 -15.44 20-Feb-2020 - 23-Mar-2020
Quarter 11.50 23-Mar-2020 - 22-Jun-2020 -16.13 23-Dec-2019 - 23-Mar-2020
Year 30.12 23-Mar-2020 - 23-Mar-2021 -9.36 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 10.00 8.09 0.77 0.73 1.09 -0.58
VR MIP TRI 10.03 6.79 0.92 1.13 -- --
Hybrid: Equity Savings 10.38 9.23 0.75 0.82 1.26 -1.25
Rank within category 14 5 12 13 5 10
Number of funds in category 19 19 19 19 19 19

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

As on 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 40
Number of Bonds 4
Average Maturity (yrs) 0.39
Top 10 Holdings (%) 54.97
Portfolio P/B Ratio 3.03
Portfolio P/E Ratio 18.10

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
new Reserve Bank of India 364-D 06/01/2022 Treasury Bills SOV 0.00 - 9.52 9.52
new Reserve Bank of India 91-D 02/12/2021 Treasury Bills SOV 0.00 - 4.78 4.78
equal Reserve Bank of India 364-D 13/01/2022 Treasury Bills SOV 0.00 - 8.02 4.76
equal PGIM India Insta Cash Direct-G Mutual Fund -- 0.00 - 10.36 3.95
new 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 1.90 1.90

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
up Vedanta Metals 6.75 9.73 0.00 6.59
new Tata Consultancy Services Technology 36.81 9.89 0.00 5.37
up Adani Ports and Special Economic Zone Services 29.48 6.27 0.00 5.15
up Indusind Bank Financial 18.79 9.66 0.00 5.11
up Adani Enterprises Services 185.16 5.52 0.00 4.77
up HDFC Financial 24.08 9.66 0.00 4.50
up Tech Mahindra Technology 30.54 6.08 0.00 4.42
new Escorts Automobile 27.75 3.56 0.00 3.56
equal Jindal Steel & Power Metals 5.35 5.71 0.00 2.00
up NMDC Metals 4.08 1.84 0.00 1.84
equal Tata Chemicals Chemicals 34.01 2.68 0.00 1.55
up HDFC Bank Financial 24.50 10.30 1.08 1.52
up Axis Bank Financial 20.63 8.23 0.00 1.42
up ABB India Ltd. Engineering 109.85 1.42 0.00 1.42
new Ashok Leyland Automobile -- 1.36 0.00 1.36
new SBI Life Insurance Company Insurance 94.36 1.32 0.00 1.32
equal Havells India Engineering 72.60 2.22 0.00 1.21
up Reliance Industries Energy 31.17 8.87 0.87 1.13
up State Bank of India Financial 14.74 4.73 0.00 1.08
up Indiamart Intermesh Services 71.80 1.71 0.00 1.03
equal Glenmark Pharma. Healthcare 13.46 2.82 0.00 0.89
equal JSW Steel Metals 7.84 6.78 0.00 0.87
up Astral Chemicals 87.43 1.00 0.00 0.84
equal Tata Steel Metals 4.38 1.24 0.00 0.75
up Vodafone Idea Communication -- 0.81 0.00 0.70

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-Oct-2021

Fund Manager

— Alok Agarwal since 22-Aug-2016

Education: Mr. Agarwal is a CA, CFA, MS (Finance) and M.Com.

Experience: Prior to joining PGIM India Mutual Fund he was associated with Deutsche Asset Management (I) Pvt. Ltd. (Jun 2014-Mar 2016) as Portfolio Manager (Equity), Deutsche Bank AG (Nov 2010-Jun 2014) as Portfolio Manager (Equity), K.R. Choksey Shares & Securities (Mar 2008-Nov 2010) as PMS-Head Portfolio Manager (Equity), E-nxt Finacials Ltd. (Aug 2007-Mar 2008) as Manager (Equity Research) and Pinnacle Academy (Jun 2002-Aug 2007) as Author, Head Faculty.

Funds Managed:

— Hitash Dang since 01-Jun-2021

Education: Mr. Dang is Bcom and MBA (PGDBA)

Experience: Prior to joining PGIM India Mutual Fund he has worked in Jaypee Capital Service Ltd. in Institutional Sales in Equity Markets and Multiflex Lami Print Ltd. in Business development.

Funds Managed:

— Kumaresh Ramakrishnan since 05-Apr-2018

Education: Mr. Ramakrishnan is a B.E from Mumbai University and MBA from NMIMS (Mumbai).

Experience: Prior to joining PGIM India Mutual Fund he has worked with DWS AMC, Societe Generale and CARE.

Funds Managed:

Invest Online
-0.13%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 43.4679

IDCW Yearly: ₹ 16.1576

IDCW Monthly: ₹ 13.7290

Investment Strategy

The scheme seeks to provide capital appreciation and income distribution to the investors by using equity and equity related instruments, arbitrage opportunities and investments in debt and money market instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 5
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1
Lock-in Period Not Applicable
Exit Load For units in excess of 10% of the investment,0.5% will be charged for redemption within 90 days

Basic Details

Fund House: PGIM India Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 9.79%
Benchmark: NIFTY 50 Hybrid Short Duration Debt 25:75
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 104 Cr (As on 31-Oct-2021)
Expense: 0.17% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Below Average
Turnover: 139.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly18-Nov-20210.0770

 14-Oct-20210.0770
 17-Sep-20210.0790
 17-Feb-20210.0730
 18-Jan-20210.0700
 17-Jan-20200.0655
 17-Dec-20190.0655
 18-Nov-20190.0655
 17-Oct-20190.0673
 17-Sep-20190.0673
 19-Aug-20190.0673
 17-Jul-20190.0673
 17-Jun-20190.0673
 17-May-20190.0673
 18-Apr-20190.0673
 19-Mar-20190.0673
 19-Feb-20190.0673
 17-Jan-20190.0673
 17-Dec-20180.0753
 19-Nov-20180.0753
 17-Oct-20180.0753
 17-Sep-20180.0753
 17-Aug-20180.0753
 17-Jul-20180.0753
 18-Jun-20180.0753
IDCW Yearly26-Mar-20211.1000

 27-Mar-20200.8677
 25-Mar-20190.8854
 23-Mar-20181.4300
IDCW Quarterly31-Dec-20200.1800

 26-Dec-20190.1682
 27-Sep-20190.1859
 28-Jun-20190.1948
 25-Mar-20190.1948
 28-Dec-20180.1948
 28-Sep-20180.1948
 02-Jul-20180.1948
 23-Mar-20180.3884
 29-Dec-20170.2400
 28-Sep-20170.2300
 29-Jun-20170.2300
 24-Mar-20170.2300
 29-Dec-20160.2400
 29-Sep-20160.2400
 27-Jun-20160.2100
 28-Mar-20160.2100
 23-Dec-20150.1517
 24-Sep-20150.1517

Contact Information

AMC: PGIM India Asset Management Pvt. Ltd.

Address: 4th Floor, C Wing, Laxmi Towers, Bandra Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022-61593000 / 1800-266-2667

Email: [email protected]

Website: https://www.pgimindiamf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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