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4 star

Sundaram Equity Savings Fund - Direct Plan download report


1 Lakh

Investment Grown to
₹ 1.29 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.35 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
Sundaram Equity Savings Direct-G -1.74 0.07 1.06 -0.51 -1.60 -1.45 3.99 8.72 8.04 8.24 --
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 9 10 2 5 9 9 6 9 8 5 --
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)
Sundaram Equity Savings Fund - Direct Plan
4 star
May-02 3.99 8.72 8.04 0.65% 374
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 4.04 26-May-2020 - 02-Jun-2020 -6.64 11-Mar-2020 - 18-Mar-2020
Month 7.35 24-Mar-2020 - 23-Apr-2020 -13.79 20-Feb-2020 - 23-Mar-2020
Quarter 14.30 23-Mar-2020 - 22-Jun-2020 -13.34 23-Dec-2019 - 23-Mar-2020
Year 39.15 23-Mar-2020 - 23-Mar-2021 -9.13 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Sundaram Equity Savings Direct-G 9.16 7.99 0.71 0.74 1.11 1.14
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 9 7 6 6 7 6
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 59
Number of Bonds 13
Average Maturity (yrs) 0.67
Top 10 Holdings (%) 39.16
Portfolio P/B Ratio 3.09
Portfolio P/E Ratio 21.84

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 5.22% GOI 15/06/2025 GOI Securities SOV 2.14 - 4.77 3.82
equal Reserve Bank of India 182-D 01/09/2022 Treasury Bills SOV 0.00 - 2.74 2.64
equal Reserve Bank of India 182-D 08/09/2022 Treasury Bills SOV 0.00 - 2.73 2.64
equal 5.45% LIC Housing Fin. 25/08/2023 Bonds/NCDs AAA 0.00 - 1.50 1.32
equal 5.15% GOI 2025 GOI Securities SOV 1.26 - 4.98 1.26
equal 7.99% REC 23/02/2023 Debenture AAA 0.00 - 0.69 0.54
equal 8.14% Maharashtra State 27/05/2025 State Development Loan SOV 0.00 - 1.37 0.27
equal 8.25% Indian Railway Finance Corporation 28/02/2024 Debenture AAA 0.14 - 0.78 0.14
equal NTPC 2023 Bonds AAA 0.14 - 0.77 0.14
equal 7.24% REC 31/12/2022 Non Convertible Debenture AAA 0.13 - 0.75 0.13
equal 6.40% National Bank Agr. Rur. Devp 31/07/2023 Non Convertible Debenture AAA 0.13 - 0.74 0.13
equal 6.18% GOI 2024 GOI Securities SOV 0.00 - 1.20 0.13
equal 5.50% Britannia Inds. 2024 Non Convertible Debenture AAA 0.00 - 0.01 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 HDFC Bank Financial 19.64 8.01 1.63 7.73
up ICICI Bank Financial 19.67 6.07 1.91 5.52
up Tech Mahindra Technology 17.84 5.11 0.00 4.18
up Infosys Technology 28.17 7.07 0.00 3.78
equal Hindustan Unilever Consumer Staples 61.35 3.80 0.00 3.05
up State Bank of India Financial 11.72 3.34 0.84 2.97
down Ashok Leyland Automobile -- 3.93 0.00 2.74
up HDFC Financial 17.52 9.12 1.42 2.74
equal Axis Bank Financial 13.97 3.01 0.52 2.22
new Bajaj Finance Financial 48.03 2.13 0.00 2.13
equal Polycab India Capital Goods 36.72 4.82 0.00 2.06
down Reliance Industries Energy 28.19 7.94 0.59 1.34
up Larsen & Toubro Construction 25.15 2.34 0.00 1.23
equal Tata Motors DVR Automobile -- 1.41 0.00 1.12
equal L&T Infotech Technology 32.24 1.97 0.00 1.11
equal Maruti Suzuki India Automobile 66.09 7.91 0.00 1.06
up ICRA Services 32.02 1.65 0.00 1.05
equal Canara Bank Financial 5.56 1.50 0.00 1.00
new Clean Science And Technology Chemicals 68.82 0.93 0.00 0.93
up Crompton Greaves Consumer Electricals Consumer Discretionary 37.47 0.90 0.00 0.90
equal United Spirits Consumer Staples 67.75 3.42 0.00 0.86
equal Bajaj Finserv Financial 39.71 1.28 0.00 0.86
up Cholamandalam Investment & Finance Company Financial 24.49 1.06 0.00 0.85
equal BEML Capital Goods 40.87 2.01 0.00 0.84
up Tata Steel Metals & Mining 2.68 4.64 0.00 0.83

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

— Rohit Seksaria since 01-Jan-2022

Education: Mr. Seksaria is CS, CA & has done MBA from IIM Ahmedabad

Experience: Prior to joining Sundaram Mutual Fund he has worked with Progress Capital/Asia Capital & Advisor Pte Ltd., Matchpoint Investment Management and Progress Capital Pte Ltd.

Funds Managed:

— Sudhir Kedia since 04-Jan-2022

Education: Mr. Kedia is CA, CMA and MBA.

Experience: Prior to joining Sundaram Mutual Fund, he has worked with Principal Mutual Fund, Mirae Asset Mutual Fund and ASK investment.

Funds Managed:

— Dwijendra Srivastava since 01-Jan-2022

Education: Mr. Srivastava is B.Tech , PGDM (Finance) and CFA.

Experience: Prior to joining Sundaram Mutual Fund he has worked with PGIM India Mutual Fund, JM Financial AMC, Tata AMC Private Ltd., Tower Capital and Securities, Indo Swiss Financial and Gontermann Pipers.

Funds Managed:


0.07%

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

Growth: ₹ 53.8639

IDCW Quarterly: ₹ 20.0694

IDCW Half Yearly: ₹ 13.7681


Investment Strategy

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

Investment Details

Min. Investment (₹) 100
Min. Addl Investment (₹) 100
Min. SIP Investment (₹) 100
Min. No of Cheques 6
Min. Withdrawal (₹) 100
Min. Balance (₹) --
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: Sundaram Mutual Fund
Launch Date: 23-May-2002
Return Since Launch: 7.89%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 374 Cr (As on 31-May-2022)
Expense: 0.65% (As on 31-May-2022)
Risk Grade: Below Average
Return Grade: Above Average
Turnover: 452.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Half Yearly24-Mar-20220.5070

 17-Dec-20210.5314
 17-Jun-20210.4963
 17-Dec-20200.6112
 17-Dec-20190.2036
 17-Jun-20190.5932
 15-Jun-20180.1859
 15-Dec-20171.2200
 23-Dec-20160.2624
 24-May-20160.0163
 22-Apr-20160.0182
 23-Oct-20150.1772
 24-Sep-20150.0554
 24-Jul-20150.0166
 24-Mar-20150.0005
 24-Feb-20150.0252
 23-Jan-20150.1682
 24-Dec-20140.0127
 24-Nov-20140.0795
 22-Oct-20140.0570
 24-Sep-20140.0612
 22-Aug-20140.0416
 24-Jul-20140.0988
 24-Jun-20140.0663
 23-May-20140.1830
IDCW Quarterly24-Mar-20220.3630

 17-Dec-20210.3496
 17-Sep-20210.3408
 17-Sep-20200.3759
 17-Dec-20190.0474
 17-Sep-20190.1371
 23-Sep-20160.2849
 24-Jun-20160.2680
 24-Dec-20150.0683
 24-Sep-20150.0543
 24-Mar-20150.3056
 24-Dec-20140.2760
 24-Sep-20140.0916
 24-Jun-20140.4561
 24-Mar-20140.1855
 24-Jun-20130.0779
 22-Mar-20130.0378

Contact Information

AMC: Sundaram Asset Management Company Ltd

Address: Sundaram Towers, 2nd Floor, 46, Whites Road, Royapettah Chennai - 600014

Phone: 1860-425-7237

Website: http://www.sundarammutual.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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