PGIM India Equity Savings Fund

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Hybrid: Equity Savings

Analysts' Choice?

1 Lakh

Investment Grown to

₹ 1.17 Lakh

₹ 10000

Monthly SIP Grown to

₹ 4.07 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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Annual Returns

Quarterly Returns

Monthly Returns

Weekly Returns

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Amount (₹)

Start date

End date

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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	0.87	-0.52	-0.53	2.86	7.39	11.20	6.50	5.48	7.30	8.66	8.18
VR MIP TRI	1.06	-0.57	-0.11	2.55	7.69	10.38	11.57	8.51	9.80	9.57	8.69
Hybrid: Equity Savings	1.16	-0.49	-0.30	2.79	8.30	11.90	10.13	5.63	8.04	--	--
Rank within category	19	10	18	10	15	13	21	10	9	--	--
Number of funds in category	23	23	23	23	23	23	23	14	11	0	0

As on 22-Jan-2021

Peer Comparison

Fund name	Launch Date	1-Year Return	3-Year Return	5-Year Return	Expense Ratio	Assets (Cr)
PGIM India Equity Savings Fund	Jan-04	6.50	5.48	7.30	2.36	40
Kotak Equity Savings Fund - Regular Plan \| Invest Online	Oct-14	11.27	7.47	9.02	2.21	1,373
ICICI Prudential Equity Savings Fund \| Invest Now	Dec-14	5.06	6.35	9.05	1.51	1,048
Axis Equity Saver Fund - Regular Plan	Aug-15	11.55	8.12	9.07	2.39	702
HDFC Equity Savings Fund \| Invest Online	Sep-04	10.15	5.28	10.00	2.09	2,577

Best & Worst Performance

	Best (Period)	Worst (Period)
Week	3.89 (08-May-2014 - 15-May-2014)	-7.94 (11-Mar-2020 - 18-Mar-2020)
Month	9.07 (26-Mar-2009 - 27-Apr-2009)	-15.51 (20-Feb-2020 - 23-Mar-2020)
Quarter	11.20 (23-Mar-2020 - 22-Jun-2020)	-16.35 (23-Dec-2019 - 23-Mar-2020)
Year	22.11 (05-May-2014 - 05-May-2015)	-10.27 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

	Mean	Std Dev	Sharpe	Sortino	Beta	Alpha
Fund	5.90	8.48	0.13	0.14	1.18	-3.35
VR MIP TRI	8.59	6.92	0.55	0.65	--	--
Hybrid: Equity Savings	5.85	9.59	0.14	0.17	1.30	-3.87
Rank within category	12	4	11	11	5	10
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-Dec-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks	49
Number of Bonds	1
Average Maturity (yrs)	0.02
Top 10 Holdings (%)	50.39
Portfolio P/B Ratio	2.27
Portfolio P/E Ratio	25.92

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
	PGIM India Insta Cash Direct-G	Mutual Fund	--	0.00 - 10.08	10.08
	Edelweiss Rural & Corporate Services 15/07/2021	Deep Discount Bonds	A+	0.00 - 0.96	0.90

Indicates an increase or decrease or no change in holding since last portfolio
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
Vedanta	Metals	--	8.87	0.00	8.81
Indusind Bank	Financial	24.18	9.02	0.00	8.10
HDFC Bank	Financial	25.92	10.30	5.14	5.42
Bharti Airtel	Communication	--	10.27	0.00	4.51
State Bank of India	Financial	10.79	3.71	0.00	3.32
Reliance Industries	Energy	32.81	8.87	1.22	3.20
HDFC	Financial	28.84	9.66	0.00	3.09
Glenmark Pharma.	Healthcare	15.54	2.50	0.00	2.28
Infosys	Technology	30.70	2.39	0.57	1.58
Tata Consultancy Services	Technology	39.69	9.89	0.00	1.58
Indiamart Intermesh	Services	85.91	1.37	0.00	1.37
ICICI Bank	Financial	26.46	9.73	0.75	1.08
Cadila Healthcare	Healthcare	27.83	1.06	0.00	1.06
Graphite India	Engineering	--	0.99	0.00	0.99
Maruti Suzuki India	Automobile	59.83	3.98	0.00	0.96
Shree Cement	Construction	50.26	0.94	0.00	0.91
Timken India	Engineering	46.27	0.84	0.00	0.84
Godrej Consumer Products	FMCG	52.85	0.84	0.00	0.84
Cipla	Healthcare	35.41	2.16	0.00	0.82
Can Fin Homes	Financial	15.59	0.82	0.00	0.82
Relaxo Footwears	FMCG	101.05	0.81	0.00	0.81
Polycab India	Engineering	24.74	0.81	0.00	0.81
Hindalco Inds.	Metals	38.17	0.79	0.00	0.79
Exide Industries	Engineering	27.77	0.79	0.00	0.79
Abbott India	Healthcare	46.50	1.05	0.00	0.79

Indicates an increase or decrease or no change in holding since last portfolio
Indicates a new holding since last portfolio

As on 31-Dec-2020

Fund Manager

— Alok Agarwal since 22-Aug-2016

Education: Mr. Agarwal is a CA, CFA, MS (Finance) and M.Com.

Experience: Prior to joining DHFL Pramerica Mutual Fund he was associated with Deutsche Asset Management (I) Pvt. Ltd. (Jun 2014-Mar 2016) as Portfolio Manager (Equity), Deutsche Bank AG (Nov 2010-Jun 2014) as Portfolio Manager (Equity), K.R. Choksey Shares & Securities (Mar 2008-Nov 2010) as PMS-Head Portfolio Manager (Equity), E-nxt Finacials Ltd. (Aug 2007-Mar 2008) as Manager (Equity Research) and Pinnacle Academy (Jun 2002-Aug 2007) as Author, Head Faculty.

Funds Managed:

— Kumaresh Ramakrishnan since 05-Apr-2018

Education: Mr. Ramakrishnan is a B.E from Mumbai University and MBA from NMIMS (Mumbai).

Experience: Prior to joining PGIM India Mutual Fund he has worked with DWS AMC, Societe Generale and CARE.

Funds Managed:

-0.52%

Change from previous, NAV as on 22-Jan-2021

Growth: ₹ 35.6063

Dividend Yearly: ₹ 15.1555

Dividend Quarterly: ₹ 12.1024

Dividend Monthly: ₹ 12.0213

Dividend: ₹ 11.8617

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

Minimum Investment (₹)	5,000
Minimum Addl Investment (₹)	1,000
Minimum SIP Investment (₹)	1,000
Minimum No of Cheques	5
Minimum Withdrawal (₹)	1,000
Minimum Balance (₹)	1

Exit Load	For units in excess of 10% of the investment,0.5% will be charged for redemption within 90 days

Exit Load

For units in excess of 10% of the investment,0.5% will be charged for redemption within 90 days

Fund House:	PGIM India Mutual Fund
Launch Date:	29-Jan-2004
Return Since Launch:	7.76%
Benchmark:	NIFTY 50 Arbitrage TRI (70), NIFTY 50 TRI (30)
Riskometer:	Moderately High
Type:	Open-ended
Assets:	₹ 40 Cr (As on 31-Dec-2020)
Expense:	2.36% (As on 31-Dec-2020)
Risk Grade:	Average
Return Grade:	Average
Turnover:	152.00%

Plan

Record Date

Dividend (₹ / Unit)

Dividend Yearly

27-Mar-2020

0.7260

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	25-Mar-2019	0.8854
	23-Mar-2018	1.4233
	26-Sep-2014	0.7013
	28-Mar-2014	0.3741
	26-Mar-2013	0.7047
	29-Mar-2012	0.7047
	08-Apr-2011	0.5710
	25-Mar-2011	0.5694
	26-Mar-2010	0.5694
	26-Mar-2009	0.6570
	30-Mar-2007	0.5481
	31-Mar-2006	0.7367
	31-Mar-2005	0.5481

Dividend Monthly

17-Jan-2020

0.0549

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	17-Dec-2019	0.0549
	18-Nov-2019	0.0549
	17-Oct-2019	0.0629
	17-Sep-2019	0.0629
	19-Aug-2019	0.0629
	17-Jun-2019	0.0629
	17-May-2019	0.0629
	18-Apr-2019	0.0629
	19-Mar-2019	0.0354
	19-Feb-2019	0.0629
	17-Jan-2019	0.0629
	17-Dec-2018	0.0708
	19-Nov-2018	0.0708
	17-Oct-2018	0.0708
	17-Sep-2018	0.0708
	17-Aug-2018	0.0708
	17-Jul-2018	0.0708
	18-Jun-2018	0.0708
	17-May-2018	0.0708
	17-Apr-2018	0.0708
	23-Mar-2018	0.0800
	23-Feb-2018	0.0800
	25-Jan-2018	0.0800
	29-Dec-2017	0.0800

Dividend Quarterly

26-Dec-2019

0.0708

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	27-Sep-2019	0.1771
	28-Jun-2019	0.1062
	28-Dec-2018	0.1948
	28-Sep-2018	0.1948
	02-Jul-2018	0.1948
	23-Mar-2018	0.3821
	29-Dec-2017	0.2200
	28-Sep-2017	0.2100
	29-Jun-2017	0.2200
	24-Mar-2017	0.2200
	29-Dec-2016	0.2400
	29-Sep-2016	0.2400
	27-Jun-2016	0.2000
	28-Mar-2016	0.2100
	23-Dec-2015	0.1517
	24-Sep-2015	0.1517
	26-Jun-2015	0.1517
	27-Mar-2015	0.1815
	26-Dec-2014	0.1633
	26-Sep-2014	0.2338
	27-Jun-2014	0.1636
	28-Mar-2014	0.0779
	27-Dec-2013	0.0779
	27-Sep-2013	0.0779

Fund News - 12-Jan-2021

Exit Load change in Schemes of PGIM India Mutual Fund
Fund News - 04-Jan-2021

Exit Load change in Schemes of PGIM India Mutual Fund
Fund News - 27-Jun-2019

Merger of Two Schemes of DHFL Pramerica Mutual Fund
Fund News - 27-Aug-2018

Revision in exit load under Five Schemes of DHFL Pramerica Mutual Fund
Fund News - 09-Apr-2018

Aniruddha Naha appointed as Senior Fund Manager in DHFL Pramerica Mutual Fund

PGIM India Equity Savings Fund

Analysts' Choice?

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Trailing Returns (%)

Peer Comparison

Best & Worst Performance

Risk Measures (%)

Asset Allocation (%)

Concentration & Valuation

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

Top Debt Holdings

Sector Allocation vis-à-vis Category

Top Equity Holdings

Fund Manager

-0.52%

Investment Strategy

Investment Details

Basic Details

Most Recent Dividends

News & Analysis

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