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2 star

IDFC Equity Savings Fund - Direct Plan download report


1 Lakh

Investment Grown to
₹ 1.30 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.13 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
IDFC Equity Savings Direct-G 1.95 0.10 0.45 2.72 3.78 1.76 5.23 9.26 7.30 7.23 --
VR MIP TRI 1.72 0.06 0.74 4.56 5.65 1.63 5.50 8.92 8.30 8.37 --
Hybrid: Equity Savings 2.03 0.11 0.66 3.40 4.77 1.59 5.40 10.14 8.12 8.06 --
Rank within category 13 12 17 18 19 12 14 16 -- -- --
Number of funds in category 22 22 22 22 22 22 22 22 14 10 0

As on 12-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
IDFC Equity Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 5.23 9.26 7.30 0.33 108
SBI Equity Savings Fund - Direct Plan
4 star
May-15 4.23 11.13 8.66 0.64 2,402
Kotak Equity Savings Fund - Direct Plan  | Invest Online
4 star
Oct-14 8.89 11.03 9.23 1.10 1,926
Mirae Asset Equity Savings Fund - Direct Plan  | Invest Online
5 star
Dec-18 6.13 13.71 -- 0.41 561
Mahindra Manulife Equity Savings Dhan Sanchay Yojana - Direct Plan
4 star
Feb-17 6.38 13.73 9.84 0.62 439

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 5.12 24-Mar-2020 - 31-Mar-2020 -8.23 16-Mar-2020 - 23-Mar-2020
Month 10.89 24-Mar-2020 - 23-Apr-2020 -16.87 20-Feb-2020 - 23-Mar-2020
Quarter 18.30 24-Mar-2020 - 23-Jun-2020 -15.13 23-Dec-2019 - 23-Mar-2020
Year 34.25 23-Mar-2020 - 23-Mar-2021 -11.56 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
IDFC Equity Savings Direct-G 8.93 8.65 0.63 0.67 1.06 0.20
VR MIP TRI 8.41 7.21 0.68 0.88 -- --
Hybrid: Equity Savings 9.77 9.05 0.72 0.79 1.15 0.61
Rank within category 17 10 20 16 9 17
Number of funds in category 22 22 22 22 22 22

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

As on 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 42
Number of Bonds 3
Average Maturity (yrs) 0.16
Top 10 Holdings (%) 39.34
Portfolio P/B Ratio 3.39
Portfolio P/E Ratio 25.70

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 IDFC Cash Direct Mutual Fund -- 0.00 - 8.23 7.53
equal 5.69% REC 30/09/2023 Non Convertible Debenture AAA 2.92 - 5.37 2.92
equal 5.50% Britannia Inds. 2024 Non Convertible Debenture AAA 0.00 - 0.00 0.00
equal Others Margin Money -- - 0.06

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 Bajaj Finance Financial 51.32 5.39 0.00 5.39
down Tata Consultancy Services Technology 32.06 5.58 0.00 4.18
equal Tata Motors Automobile -- 5.25 0.00 3.72
equal Reliance Industries Energy 26.83 9.71 1.06 3.71
equal Indusind Bank Financial 15.44 3.17 0.00 3.17
equal Mahindra & Mahindra Automobile 18.76 3.03 0.00 3.03
equal Sun Pharmaceutical Industries Healthcare 56.35 5.71 1.18 2.88
equal Bharti Airtel Communication 75.69 6.94 1.42 2.81
equal Dabur India Consumer Staples 59.14 2.70 0.00 2.70
equal Titan Company Consumer Discretionary 74.64 3.66 0.00 2.61
equal Tech Mahindra Technology 19.41 6.02 0.48 2.61
equal Marico Consumer Staples 53.18 2.58 0.00 2.58
equal Aurobindo Pharma Healthcare 14.47 5.94 1.34 2.39
equal Axis Bank Financial 14.47 3.20 0.04 2.28
equal Pidilite Industries Chemicals 99.49 2.91 0.00 2.21
equal Adani Ports and Special Economic Zone Services 36.86 6.55 0.33 2.12
equal SBI Life Insurance Company Insurance 83.26 2.06 0.00 2.06
equal JSW Steel Metals & Mining 10.52 3.65 0.00 2.04
down ICICI Bank Financial 21.96 5.61 1.43 1.87
equal LIC Housing Fin. Financial 6.94 1.78 0.00 1.78
equal Wipro Technology 20.71 1.59 0.00 1.56
up Torrent Pharmaceuticals Healthcare 64.82 1.41 0.00 1.41
equal State Bank of India Financial 13.41 2.90 0.00 1.32
down Infosys Technology 30.12 2.02 0.00 1.30
equal Tata Chemicals Chemicals 18.30 2.24 0.00 1.26

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-Jul-2022

Fund Manager

— Nemish Sheth since 01-Nov-2021

Education: Mr. Sheth is a B.Com, PGDM(FINANCE)

Experience: Prior to joining IDFC AMC, he has worked with Nippon Life India Asset Management Ltd. and ICICI Prudential Asset Management Company Ltd.

Funds Managed:

— Sachin Relekar since 09-Dec-2020

Education: Mr. Relekar is an MMS(Finance) from Jamnalal Bajaj Institute of Management Studies Mumbai and B.E (Mechanical) from K.E.S. College of Engineering Islampur.

Experience: Prior to joining IDFC AMC he has worked with LIC Mutual Fund, Sundaram Mutual Fund, Tata AMC, CD Equity Search, Innovision Consulting and Tech Pacific India.

Funds Managed:

— Viraj Kulkarni since 01-Jul-2022

Education: Mr. Kulkarni is a B.Tech. (Electronics), CFA and also holds a PGDM (Finance).

Experience: Prior to joining IDFC AMC he was associated with Franklin Templeton Asset Management (India) Pvt. Ltd. (May 2014-Sept. 2015) and Goldman Sachs Services India (June 2010-May 2012).

Funds Managed:

— Harshal Joshi since 20-Oct-2016

Education: Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai

Experience: Prior to joining IDFC Mutual fund in 2008 he has worked with ICAP India Pvt. Ltd.

Funds Managed:


0.10%

Change from previous, NAV as on 12-Aug-2022

Growth: ₹ 27.1590

IDCW Yearly: ₹ 13.2600

More

IDCW Quarterly: ₹ 12.4380

IDCW Monthly: ₹ 15.2300


Investment Strategy

The scheme seeks to generate income by predominantly investing in arbitrage opportunities in the cash and derivatives segments of the equity markets along with debt and money market instruments and to generate long-term capital appreciation by investing a portion of the Schemes assets in equity and equity related instruments.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 100
Min. No of Cheques 6
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period Not Applicable
Exit Load For units in excess of 10% of the investment,0.25% will be charged for redemption within 7 days

Basic Details

Fund House: IDFC Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 7.43%
Benchmark: CRISIL Equity Saving
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 108 Cr (As on 31-Jul-2022)
Expense Ratio: 0.33% (As on 31-Jul-2022)
Risk Grade: Average
Return Grade: Below Average
Turnover: 19.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly28-Jul-20220.0400

 29-Jun-20220.0400
 30-May-20220.0400
 28-Apr-20220.0400
 25-Mar-20220.0400
 25-Feb-20220.0400
 28-Jan-20220.0400
 28-Dec-20210.0400
 26-Nov-20210.0400
 28-Oct-20210.0400
 28-Sep-20210.0400
 26-Aug-20210.0400
 28-Jun-20210.0400
 28-May-20210.0400
 26-Apr-20210.0400
 22-Mar-20210.0400
 26-Feb-20210.0400
 28-Jan-20210.0400
 28-Dec-20200.0400
 25-Nov-20200.0300
 28-Oct-20200.0300
 28-Sep-20200.0300
 31-Aug-20200.0300
 28-Jul-20200.0300
 26-Jun-20200.0300
IDCW Quarterly29-Jun-20220.0900

 25-Mar-20220.0900
 28-Dec-20210.0900
 28-Sep-20210.0500
 22-Mar-20210.0900
 26-Jun-20200.0800
 27-Dec-20190.1400
IDCW Yearly25-Mar-20220.4000

 22-Mar-20210.3200
 27-Mar-20190.6000
 22-Mar-20180.6145
 29-Mar-20170.2896
 17-Mar-20160.1974

Contact Information

AMC: IDFC Asset Management Company Limited

Address: No. 27, Ground Floor Khetan Bhavan,198, Jamshedji Tata Road, Churchgate, Mumbai - 400020

Fax: 24215052 / 24215051

Website: http://www.idfcmf.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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