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3 star

Tata Equity Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.37 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.36 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
Fund 1.64 -0.33 0.26 2.57 0.73 6.92 12.79 11.00 8.59 7.73 --
VR MIP TRI 2.01 0.09 0.69 2.74 0.26 7.12 11.62 10.91 9.87 8.72 --
Hybrid: Equity Savings 1.51 -0.39 0.15 2.32 0.45 6.15 14.30 11.41 9.70 9.06 --
Rank within category 9 6 7 8 7 6 17 13 11 -- --
Number of funds in category 22 22 22 22 22 22 22 19 13 6 0

As on 18-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Equity Savings Fund - Direct Plan  | Invest Online
3 star
Jan-13 12.79 11.00 8.59 1.31% 133
Kotak Equity Savings Fund - Direct Plan  | Invest Online
4 star
Oct-14 13.04 11.37 10.37 1.15% 1,668
Axis Equity Saver Fund - Direct Plan
4 star
Aug-15 16.43 12.98 11.88 0.88% 1,161
Mirae Asset Equity Savings Fund - Direct Plan  | Invest Online
5 star
Dec-18 17.38 15.16 -- 0.42% 450
ICICI Prudential Equity Savings Fund - Direct Plan  | Invest Now
3 star
Dec-14 9.99 9.13 8.35 0.43% 4,927

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.73 24-Mar-2020 - 31-Mar-2020 -6.63 16-Mar-2020 - 23-Mar-2020
Month 6.83 23-Mar-2020 - 22-Apr-2020 -13.82 20-Feb-2020 - 23-Mar-2020
Quarter 11.24 23-Mar-2020 - 22-Jun-2020 -12.82 23-Dec-2019 - 23-Mar-2020
Year 30.53 23-Mar-2020 - 23-Mar-2021 -7.83 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 10.19 7.17 0.90 0.96 1.02 0.03
VR MIP TRI 10.03 6.79 0.93 1.14 -- --
Hybrid: Equity Savings 10.63 9.18 0.78 0.85 1.25 -0.99
Rank within category 15 2 5 7 2 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-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 45
Number of Bonds 9
Average Maturity (yrs) 0.89
Top 10 Holdings (%) 39.85
Portfolio P/B Ratio 3.89
Portfolio P/E Ratio 23.28

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 9.75% Jamnagar Utilities and Power 2024 Debenture AAA 4.10 - 5.80 4.10
equal 8.08% GOI 2022 Central Government Loan SOV 0.00 - 4.61 3.84
equal 8.15% GOI 2022 Central Government Loan SOV 0.00 - 4.86 3.82
equal 7.37% GOI 16/04/2023 GOI Securities SOV 2.33 - 3.29 2.33
equal 8.13% GOI 21/09/2022 Central Government Loan SOV 0.00 - 3.02 2.31
equal 5.09% GOI 13/04/2022 GOI Securities SOV 2.26 - 3.14 2.26
equal 7.32% GOI 28/01/2024 GOI Securities SOV 1.57 - 2.21 1.57
equal 6.84% GOI 19/12/2022 GOI Securities SOV 1.54 - 2.16 1.54
equal 6.40% National Bank Agr. Rur. Devp 31/07/2023 Non Convertible Debenture AAA 1.53 - 2.13 1.53

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 HCL Technologies Technology 29.56 4.67 0.00 4.53
up Tata Consumer Products FMCG 91.22 4.24 0.00 4.24
down Tata Consultancy Services Technology 38.48 6.77 1.55 4.14
up Infosys Technology 36.53 5.87 1.67 3.97
up Divi's Laboratories Healthcare 55.67 6.66 0.00 3.81
equal ICICI Bank Financial 26.45 6.81 2.76 3.77
down Adani Ports and Special Economic Zone Services 29.75 7.41 0.00 3.63
equal HDFC Bank Financial 23.35 8.23 3.15 3.49
down Hindustan Unilever FMCG 64.66 7.36 0.00 3.39
up Reliance Industries Energy 32.63 6.88 2.16 3.20
up ITC FMCG 19.03 5.25 0.00 2.88
down Tata Steel Metals 4.74 5.24 0.00 2.73
down UPL Chemicals 19.56 4.35 0.00 2.33
up HDFC Financial 22.77 6.12 1.57 2.14
down Aurobindo Pharma Healthcare 7.53 4.34 0.00 2.07
new Kotak Mahindra Bank Financial 37.87 3.32 0.00 1.94
down United Spirits FMCG 79.83 3.48 0.00 1.27
down Ambuja Cements Construction 23.10 1.84 0.00 1.15
equal DLF Construction 61.32 1.11 0.00 0.98
equal Bharti Airtel Communication 136.71 6.22 0.70 0.92
equal Voltas Consumer Durable 70.46 1.18 0.00 0.84
equal Larsen & Toubro Construction 32.41 4.27 0.70 0.81
equal Titan Company Consumer Durable 131.52 1.85 0.00 0.76
equal Tata Motors Automobile -- 1.12 0.00 0.76
new Grasim Industries Construction 19.42 0.75 0.00 0.75

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-Dec-2021

Fund Manager

— Sailesh Jain since 09-Nov-2018

Education: Mr. Jain is a Commerce Graduate and an MBA.

Experience: Prior to joining TATA Mutual Fund, he has worked with Invesco Mutual Fund, IDFC Securities Ltd. as Head Derivatives, Quant Broking Pvt Ltd. as Vice President and IIFL(India Infoline) as Vice President.

Funds Managed:

— Murthy Nagarajan since 01-Apr-2017

Education: Mr. Nagarajan is a M.Com, ICWA and PGPMS.

Experience: Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..

Funds Managed:


-0.40%

Change from previous, NAV as on 19-Jan-2022

Growth: ₹ 45.6848

IDCW Monthly: ₹ 17.8225

IDCW: ₹ 22.3314


Investment Strategy

The scheme aims to provide long term capital appreciation by investing in equity and equity related instruments, equity arbitrage opportunities and investments in debt and money market instruments.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 150
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period Not Applicable
Exit Load For units in excess of 12% of the investment,0.25% will be charged for redemption within 90 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 8.62%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 133 Cr (As on 31-Dec-2021)
Expense: 1.31% (As on 31-Dec-2021)
Risk Grade: Below Average
Return Grade: Below Average
Turnover: 178.35%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly04-Jan-20220.0510

 02-Dec-20210.0520
 02-Nov-20210.0520
 04-Oct-20210.0520
 03-Sep-20210.0500
 03-Aug-20210.0500
 05-Jul-20210.0490
 03-Jun-20210.0490
 04-May-20210.0490
 05-Apr-20210.0490
 03-Mar-20210.0490
 05-Feb-20210.0480
 05-Jan-20210.0480
 03-Dec-20200.0470
 03-Nov-20200.0450
 05-Oct-20200.0450
 03-Sep-20200.0450
 04-Aug-20200.0450
 03-Mar-20200.0620
 03-Feb-20200.0620
 03-Jan-20200.0620
 04-Dec-20190.0620
 04-Nov-20190.0620
 03-Oct-20190.0620
 03-Sep-20190.0620
IDCW15-Jun-20170.2200

 17-Mar-20170.3000
 16-Dec-20160.3000
 16-Jun-20150.1456
 16-Mar-20150.1432
 16-Dec-20140.1448
 16-Sep-20140.1555
 17-Jun-20140.1555

Contact Information

AMC: Tata Asset Management Private Ltd

Address: 9th Floor, Mafatlal Centre, Nariman Point, Mumbai - 400021

Phone: 1800-209-0101

Email: [email protected]

Website: http://www.tatamutualfund.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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