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3 star

PGIM India Equity Savings Fund - Direct Plan download report


1 Lakh

Investment Grown to
₹ 1.26 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.12 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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(₹)
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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
PGIM India Equity Savings Direct-G -0.41 0.07 0.32 -0.46 -0.59 -0.29 4.44 8.01 7.88 8.06 --
VR MIP TRI -3.38 0.01 0.66 -1.04 -3.32 -3.10 1.67 6.82 7.49 7.69 --
Hybrid: Equity Savings -2.26 0.05 0.72 -0.72 -2.04 -1.97 2.94 8.19 7.64 7.72 --
Rank within category 3 11 21 4 2 3 3 12 10 6 --
Number of funds in category 21 21 21 21 21 21 21 19 13 9 0

As on 28-Jun-2022

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 4.44 8.01 7.88 0.40% 164
SBI Equity Savings Fund - Direct Plan
4 star
May-15 1.37 8.92 8.07 0.64% 2,373
Kotak Equity Savings Fund - Direct Plan  | Invest Online
4 star
Oct-14 6.62 9.41 8.88 1.14% 1,890
Axis Equity Saver Fund - Direct Plan
4 star
Aug-15 2.06 8.52 8.74 0.84% 1,229
Mirae Asset Equity Savings Fund - Direct Plan  | Invest Online
5 star
Dec-18 2.71 11.20 -- 0.41% 538

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
PGIM India Equity Savings Direct-G 8.39 7.85 0.62 0.58 1.04 0.68
VR MIP TRI 7.56 6.88 0.59 0.74 -- --
Hybrid: Equity Savings 8.62 9.17 0.58 0.63 1.23 0.14
Rank within category 14 6 8 12 4 9
Number of funds in category 21 21 21 21 21 21

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

As on 31-May-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 52
Number of Bonds 11
Average Maturity (yrs) 0.72
Top 10 Holdings (%) 40.74
Portfolio P/B Ratio 2.79
Portfolio P/E Ratio 19.20

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 Reserve Bank of India 182-D 16/06/2022 Treasury Bills SOV 0.00 - 3.56 3.04
new Reserve Bank of India 182-D 11/08/2022 Treasury Bills SOV 0.00 - 3.02 3.02
equal Reserve Bank of India 364-D 02/11/2022 Treasury Bills SOV 0.00 - 3.50 2.98
equal Reserve Bank of India 364-D 19/01/2023 Treasury Bills SOV 0.00 - 3.31 2.94
equal Reserve Bank of India 364-D 16/03/2023 Treasury Bills SOV 0.00 - 3.04 2.91
equal PGIM India Liquid Direct-G Mutual Fund -- 2.56 - 10.31 2.56
equal 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 1.90 1.17
new 6.10% GOI 2031 GOI Securities SOV 0.00 - 1.11 1.11
equal Reserve Bank of India 364-D 02/06/2022 Treasury Bills SOV 0.00 - 0.76 0.73
new Reserve Bank of India 182-D 21/07/2022 Treasury Bills SOV 0.00 - 0.73 0.73
equal Reserve Bank of India 182-D 04/08/2022 Treasury Bills SOV 0.00 - 0.50 0.48
equal Others CBLO -- - 6.86

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
down Adani Ports and Special Economic Zone Services 30.30 9.51 0.00 7.26
up UPL Chemicals 13.62 6.01 0.00 5.61
equal Adani Enterprises Services 324.28 6.21 0.00 5.54
up HDFC Bank Financial 19.64 9.93 1.08 3.93
equal Multi Commodity Exchange Of India Services 45.15 4.07 0.00 3.51
equal Tech Mahindra Technology 17.84 6.08 0.00 2.72
up ICICI Bank Financial 19.67 5.22 0.00 2.69
equal GAIL Energy 4.90 2.46 0.00 2.19
up Dabur India Consumer Staples 52.18 1.94 0.00 1.94
equal SBI Life Insurance Company Insurance 71.67 2.38 0.00 1.88
equal DLF Construction 52.68 10.53 0.00 1.67
up Axis Bank Financial 13.97 7.89 0.00 1.64
equal Larsen & Toubro Construction 25.15 1.91 0.00 1.56
equal Tata Steel Metals & Mining 2.68 2.06 0.00 1.47
new Infosys Technology 28.17 2.39 0.00 1.42
equal Hindalco Inds. Metals & Mining 5.62 1.64 0.00 1.38
down Tata Motors Automobile -- 1.50 0.00 1.13
equal Escorts Automobile 27.43 3.56 0.00 1.09
equal Tata Chemicals Chemicals 16.51 2.68 0.00 1.04
equal Lupin Healthcare -- 1.39 0.00 1.02
up Reliance Industries Energy 28.19 8.87 0.71 0.96
up Bharti Airtel Communication 94.18 10.27 0.00 0.90
new Divi's Laboratories Healthcare 32.35 0.85 0.00 0.85
equal Ashok Leyland Automobile -- 1.36 0.00 0.84
equal JSW Steel Metals & Mining 6.77 1.46 0.00 0.82

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-May-2022

Fund Manager

— Anandha Padmanabhan Anjeneyan since 12-May-2022

Education: Mr. Anjeneyan is a B. Com, ACA, CFA, FRM

Experience: Prior to joining PGIM India Asset Management Pvt Ltd, he has worked with Renaissance Investment Managers Private Limited, Canara Robeco Asset Management Company Limited.

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:

— Puneet Pal since 01-Dec-2021

Education: Mr. Pal is a B.Com (H) and MBA from SIBM Pune.

Experience: Prior to joining PGIM India Mutual Fund, he has worked with BNP Paribas AMC as Head Fixed Income, UTI AMC as Sr. Vice President & Fund Manager & TATA AMC as Fund Manager.

Funds Managed:


0.07%

Change from previous, NAV as on 28-Jun-2022

Growth: ₹ 43.4858

IDCW Yearly: ₹ 15.3777

IDCW Monthly: ₹ 13.3138


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

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 1,000
Min. No of Cheques 5
Min. Withdrawal (₹) 1,000
Min. Balance (₹) 1
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: PGIM India Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 9.19%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 164 Cr (As on 31-May-2022)
Expense: 0.40% (As on 31-May-2022)
Risk Grade: Average
Return Grade: Below Average
Turnover: 97.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly17-Jun-20220.0570

 17-May-20220.0570
 13-Apr-20220.0580
 17-Mar-20220.0570
 17-Feb-20220.0580
 17-Jan-20220.0575
 17-Dec-20210.0770
 18-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
IDCW Yearly25-Mar-20220.8000

 26-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

Website: https://www.pgimindiamf.com

Registrar & Transfer Agent: KFin Technologies 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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