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3 star

Tata Equity Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.29 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.26 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 5.68 -0.17 -0.09 2.02 2.79 6.43 21.80 8.85 8.42 8.15 --
VR MIP TRI 5.17 -0.33 0.29 2.90 3.21 6.10 19.81 9.75 9.52 8.95 --
Hybrid: Equity Savings 7.16 -0.16 -0.01 2.67 4.02 8.12 25.09 8.95 9.27 -- --
Rank within category 17 11 18 21 20 18 15 12 11 -- --
Number of funds in category 23 23 23 23 23 23 23 16 12 0 0

As on 17-Jun-2021

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 21.80 8.85 8.42 1.31 105
HDFC Equity Savings Fund - Direct Plan  | Invest Online
4 star
Jan-13 31.39 10.17 11.78 1.32 2,390
Kotak Equity Savings Fund - Direct Plan  | Invest Online
4 star
Oct-14 20.54 9.25 9.78 1.25 1,463
Axis Equity Saver Fund - Direct Plan
4 star
Aug-15 27.01 10.09 10.38 0.95 761
SBI Equity Savings Fund - Direct Plan
3 star
May-15 30.10 10.28 10.02 1.02 1,411

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 8.54 7.64 0.56 0.62 1.08 -1.40
VR MIP TRI 9.52 6.87 0.76 0.89 -- --
Hybrid: Equity Savings 8.83 9.70 0.50 0.56 1.33 -2.39
Rank within category 13 2 8 7 2 6
Number of funds in category 16 16 16 16 16 16

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

As on 31-May-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 36
Number of Bonds 12
Average Maturity (yrs) 1.44
Top 10 Holdings (%) 44.57
Portfolio P/B Ratio 2.89
Portfolio P/E Ratio 17.47

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 5.34 - 6.15 5.34
equal 7.37% GOI 16/04/2023 GOI Securities SOV 0.00 - 3.38 3.03
new 8.13% GOI 21/09/2022 Central Government Loan SOV 0.00 - 3.02 3.02
equal 5.09% GOI 13/04/2022 GOI Securities SOV 0.00 - 3.21 2.90
equal 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 2.21 2.04
equal 6.84% GOI 19/12/2022 GOI Securities SOV 0.00 - 2.24 1.99
equal 6.40% National Bank Agr. Rur. Devp 31/07/2023 Non Convertible Debenture AAA 0.00 - 2.25 1.98
equal Reserve Bank of India 364-D 16/09/2021 Treasury Bills SOV 0.00 - 1.98 1.89
equal Edelweiss Rural & Corporate Services 15/07/2021 Deep Discount Bonds AA 1.13 - 1.27 1.23
equal JM Fin Asset Reconstruction co 15/07/2021 Debenture AA- 0.61 - 0.66 0.63
equal Edelweiss Retail Finance 29/07/2021 Debenture AA 0.56 - 0.63 0.61
equal 8.32% Reliance Jio Infocomm 2021 Debenture AAA 0.10 - 0.86 0.10

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 28.40 7.41 0.00 6.46
equal HDFC Bank Financial 25.65 8.23 1.87 4.67
up Aurobindo Pharma Healthcare 10.46 4.34 0.00 4.34
equal ICICI Bank Financial 23.74 6.81 0.00 4.26
up State Bank of India Financial 16.44 4.24 0.00 4.24
up Divi's Laboratories Healthcare 56.09 6.66 0.00 3.97
equal ITC FMCG 19.14 5.25 0.00 3.85
equal Vedanta Metals 8.07 3.74 0.00 3.74
up Hindustan Petroleum Corporation Energy 3.93 5.08 0.00 3.69
down UPL Chemicals 21.50 3.45 0.00 3.45
equal Infosys Technology 33.13 5.87 0.51 3.41
equal Reliance Industries Energy 30.63 6.88 0.95 3.07
equal HDFC Financial 23.97 6.12 0.81 2.37
equal Tata Consultancy Services Technology 37.61 6.77 0.00 2.31
equal Bharti Airtel Communication -- 6.22 0.00 1.71
down HCL Technologies Technology 23.74 2.71 0.00 1.39
up Eicher Motors Automobile 54.95 1.25 0.00 1.25
up Tech Mahindra Technology 23.43 2.99 0.00 1.11
equal Hindustan Unilever FMCG 72.90 7.36 0.00 1.11
equal Ultratech Cement Construction 35.37 1.19 0.00 0.99
down United Spirits FMCG 127.39 1.17 0.00 0.88
equal Larsen & Toubro Construction 17.89 4.27 0.70 0.80
equal Tata Motors Automobile -- 1.12 0.00 0.79
new SAIL Metals 12.35 0.67 0.00 0.67
equal Torrent Power Energy 16.94 4.06 0.00 0.66

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-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:


-0.17%

Change from previous, NAV as on 17-Jun-2021

Growth: ₹ 42.5125

IDCW Monthly: ₹ 16.9480

IDCW: ₹ 20.8085


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

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 150
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum 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: 8.27%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 105 Cr (As on 31-May-2021)
Expense: 1.31% (As on 30-Apr-2021)
Risk Grade: Below Average
Return Grade: Below Average
Turnover: 242.23%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly03-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
 05-Aug-20190.0620
 04-Jul-20190.0717
 03-Jun-20190.0717
 03-May-20190.0708
 04-Apr-20190.0708
 05-Mar-20190.0708
 04-Feb-20190.0708
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

Last Session

Investors' Hangout

Your investment strategy after the debt fund fiasco

DateFriday, 18-Jun-2021
Time12:30 PM - 01:00 PM

Registration Over