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4 star

Essel Regular Savings Fund - Direct Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.17 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.94 Lakh

Suitability:

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. 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 returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small 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:

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 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
Fund 1.63 0.05 0.33 1.15 5.63 0.37 6.35 5.47 7.28 8.84 --
VR MIP TRI 1.47 0.01 0.47 1.67 7.45 0.84 6.27 6.31 7.29 9.07 --
Hybrid: Conservative Hybrid 1.65 0.02 0.47 1.53 7.44 -0.02 6.01 4.57 6.92 9.46 --
Rank within category 26 13 22 26 29 26 26 19 14 22 --
Number of funds in category 39 39 39 39 39 39 38 36 33 29 0

As on 07-Aug-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Essel Regular Savings Fund - Direct Plan
4 star
Jan-13 6.35 5.47 7.28 0.53 35
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 9.58 7.29 9.39 1.15 1,597
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 4.82 3.53 6.68 1.42 2,382
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.90 3.39 6.33 1.11 1,673
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 1.97 1.60 6.68 1.12 1,198

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.45 (24-Mar-2020 - 31-Mar-2020) -4.43 (16-Mar-2020 - 23-Mar-2020)
Month 5.03 (24-Mar-2020 - 23-Apr-2020) -9.53 (20-Feb-2020 - 23-Mar-2020)
Quarter 8.79 (24-Mar-2020 - 23-Jun-2020) -8.08 (23-Dec-2019 - 23-Mar-2020)
Year 17.08 (29-Jan-2014 - 29-Jan-2015) -2.53 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.42 4.98 0.04 0.04 0.71 -0.52
VR MIP TRI 6.24 6.56 0.16 0.18 -- --
Hybrid: Conservative Hybrid 4.68 7.10 0.00 0.07 0.84 -1.40
Rank within category 20 9 20 20 16 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-Jul-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 42
Number of Bonds 6
Average Maturity (yrs) 0.35
Top 10 Holdings (%) 70.52
Portfolio P/B Ratio 2.47
Portfolio P/E Ratio 26.04

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 ICICI Bank 18/12/2020 Certificate of Deposit A1+ 0.00 - 13.69 13.36
equal 7.40% Power Finance Corp. 30/09/2021 Bonds AAA 10.21 - 12.24 11.90
equal 8.36% REC 22/09/2020 Debenture AAA 10.36 - 12.23 11.68
equal Union Bank of India 20/07/2020 Certificate of Deposit A1+ 0.00 - 11.76 11.68
new 8.80% HDB Financial Services 2020 Debenture AAA 0.00 - 10.74 10.74
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
up India Grid Trust Engineering -- 5.69 0.00 3.82
equal Reliance Industries Energy 34.17 2.22 0.00 2.22
up ICICI Bank Financial 22.79 1.89 0.36 1.89
down HDFC Bank Financial 20.14 2.21 1.08 1.77
up Bharti Airtel Communication -- 1.45 0.00 1.45
equal Hindustan Unilever FMCG 75.78 0.98 0.00 0.98
new Axis Bank Financial 72.28 0.93 0.00 0.90
equal Kotak Mahindra Bank Financial 31.19 1.46 0.59 0.83
new Jindal Steel & Power Metals 315.27 0.77 0.00 0.77
new HPCL Energy 8.11 0.57 0.00 0.57
up Birla Corporation Construction 11.69 0.57 0.00 0.57
equal Cipla Healthcare 35.69 0.60 0.00 0.50
new Bandhan Bank Financial 17.87 0.48 0.00 0.48
equal HCL Technologies Technology 15.92 0.75 0.00 0.45
up Maruti Suzuki India Automobile 50.03 0.58 0.00 0.45
equal Ratnamani Metals & Tubes Metals 16.91 0.56 0.00 0.42
equal Petronet LNG Energy 13.56 0.41 0.00 0.41
new Dhanuka Agritech Chemicals 20.86 0.40 0.00 0.40
equal Infosys Technology 23.78 1.34 0.00 0.40
down AIA Engineering Metals 26.62 0.68 0.00 0.39
equal Asian Paints Chemicals 76.33 0.61 0.00 0.39
equal Cadila Healthcare Healthcare 30.14 0.39 0.00 0.39
equal HDFC Life Insurance Financial 92.71 0.57 0.00 0.38
equal Max Financial Services Financial 59.65 0.38 0.00 0.33
equal Container Corp. Services 125.57 0.61 0.00 0.33

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 30-Jun-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:

— Saravana Kumar since 21-Apr-2020

Education: Mr. Kumar has an Engineering degree in Electronics & Telecommunications. He is an MBA (Finance) from IIM Bangalore & is a CAIIB.

Experience: Prior to joining Essel Mutual Fund he has worked with LIC Mutual Fund, he had been Head of Investments at Trust Investment Advisors Pvt. Ltd.(Oct'13-April'15), CIO at AIA Life Insurance Co. Ltd.(Oct'09-Sept'13) , Dy. GM at ICICI Bank Ltd.(Mar'03-Sept'09) & Fund Manager at SBI(2001-2003).

Interviews:

Funds Managed:


0.05%

Change from previous, NAV as on 07-Aug-2020

Growth: ₹ 22.3909

Dividend Quarterly: ₹ 13.6805

Dividend Monthly: ₹ 10.8741


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: 01-Jan-2013
Return Since Launch: 8.61%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 35 Cr (As on 30-Jun-2020)
Expense: 0.53% (As on 30-Jun-2020)
Risk Grade: Below Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly31-Jul-20200.0544

 26-Jun-20200.0538
 29-May-20200.0528
 24-Apr-20200.0527
 27-Mar-20200.0369
 28-Feb-20200.0400
 31-Jan-20200.0403
 27-Dec-20190.0401
 29-Nov-20190.0403
 25-Oct-20190.0399
 27-Sep-20190.0400
 30-Aug-20190.0394
 26-Jul-20190.0395
 28-Jun-20190.0399
 31-May-20190.0401
 26-Apr-20190.0398
 29-Mar-20190.0398
 22-Feb-20190.0391
 25-Jan-20190.0393
 28-Dec-20180.0394
 30-Nov-20180.0394
 26-Oct-20180.0387
 28-Sep-20180.0391
 31-Aug-20180.0399
 27-Jul-20180.0397
Dividend Quarterly22-Mar-20180.1758

 02-Nov-20170.1787
 02-May-20170.1752
 20-Feb-20170.1991
 26-Oct-20160.1998
 20-Jun-20160.1922
 28-Mar-20160.1892
 05-Nov-20150.1936
 25-Aug-20150.1952
 05-May-20150.1878
 22-Jan-20150.1887
 21-Oct-20140.2179
 05-May-20140.1634
 31-Jan-20140.1640
 30-Sep-20130.1644
 03-May-20130.1839

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: http://www.esselfinance.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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