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Essel Regular Savings Fund - Direct Plan

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Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.24 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.01 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:

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 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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
cal

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Trailing Returns (%)

YTD 1 Month 3 Months 1 Years 3 Years 5 Years 10 Years
Fund 8.07 0.61 3.15 8.65 7.34 8.26 --
VR MIP TRI 8.68 0.62 3.24 9.34 8.66 7.77 --
Hybrid: Conservative Hybrid 6.40 0.38 2.69 7.06 6.99 7.79 --
Rank within category 15 13 13 16 17 8 --
Number of funds in category 36 38 38 36 36 31 0

As on 13-Dec-2019

Best & Worst Performance

Best (Period) Worst (Period)
Month 3.42 (07-May-2014 - 06-Jun-2014) -2.13 (07-Sep-2018 - 09-Oct-2018)
Quarter 5.70 (07-Apr-2014 - 07-Jul-2014) -1.58 (26-Nov-2015 - 25-Feb-2016)
Year 17.08 (29-Jan-2014 - 29-Jan-2015) 2.54 (26-Oct-2017 - 26-Oct-2018)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.95 2.98 0.39 0.56 0.61 -0.40
VR MIP TRI 8.35 4.20 0.61 0.98 -- --
Hybrid: Conservative Hybrid 6.73 4.47 0.26 0.44 0.81 -1.12
Rank within category 18 4 15 14 8 14
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 30-Nov-2019

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 53
Number of Bonds --
Average Maturity (yrs) * --
Top 10 Holdings (%) 57.55
Portfolio P/B Ratio 3.03
Portfolio P/E Ratio 18.24

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 ICICI Bank 19/12/2019 Certificate of Deposit A1+ 0.00 - 11.82 11.82
equal 8.36% REC 22/09/2020 Debenture AAA 9.06 - 10.71 10.71
equal 7.40% Power Finance Corp. 30/09/2021 Bonds AAA 8.80 - 10.66 10.66
equal 8.70% HDFC 15/12/2020 Debenture AAA 0.00 - 8.06 8.06
equal AU Small Finance Bank 25/02/2020 Certificate of Deposit A1+ 0.00 - 7.79 7.79
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 3.02
equal HDFC Bank Financial 29.40 2.21 1.08 1.94
equal ICICI Bank Financial 67.96 1.63 0.36 1.63
down Kotak Mahindra Bank Financial 39.80 1.46 0.59 1.03
equal Larsen & Toubro Construction 19.47 0.96 0.00 0.87
equal Axis Bank Financial 47.63 0.93 0.00 0.84
equal Federal Bank Financial 11.34 0.71 0.00 0.71
up ITC FMCG 21.11 1.54 0.42 0.70
equal Tech Mahindra Technology 17.08 0.65 0.00 0.65
equal AIA Engineering Metals 26.94 0.65 0.00 0.61
equal GSK Consumer Healthcare FMCG 32.53 0.60 0.00 0.58
new HDFC Life Insurance Financial 88.85 0.57 0.00 0.57
down Cipla Healthcare 22.58 0.55 0.00 0.49
down Infosys Technology 19.77 1.34 0.00 0.47
down Indusind Bank Financial 24.93 0.87 0.00 0.46
equal HCL Technologies Technology 14.85 0.75 0.00 0.42
new Container Corp. Services 65.84 0.61 0.00 0.41
up NTPC Energy 9.74 0.40 0.00 0.40
equal Jyothy Labs FMCG 26.80 0.55 0.15 0.37
down Max Financial Services Financial 77.61 0.38 0.00 0.37
down Bajaj Consumer Care FMCG 13.91 0.54 0.00 0.37
equal HG Infra Engineering Construction 9.84 0.36 0.00 0.36
new Astral Poly Technik Chemicals 71.08 0.33 0.00 0.33
equal Supreme Industries Chemicals 33.07 0.35 0.00 0.33
equal Ratnamani Metals & Tubes Metals 17.71 0.56 0.00 0.31

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-Nov-2019

Fund Manager

— 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:

— 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:

0.20%

Change from previous, NAV as on 13-Dec-2019

Growth: ₹ 21.9291

Dividend Quarterly: ₹ 13.4329

Dividend Monthly: ₹ 11.1124

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
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 38 Cr (As on 30-Nov-2019)
Expense: 0.78% (As on 30-Nov-2019)
Risk Grade: Below Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly29-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
 29-Jun-20180.0327
 25-May-20180.0592
 27-Apr-20180.0598
 23-Feb-20180.0594
 25-Jan-20180.0607
 29-Dec-20170.0607
 24-Nov-20170.0610
 27-Oct-20170.0614
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: 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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