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2 star

PGIM India Equity Savings Fund

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Hybrid: Equity Savings

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1 Lakh

Investment Grown to
₹ 1.31 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.24 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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(₹)
cal
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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 12.26 0.31 0.27 -0.17 1.10 4.87 14.45 9.32 8.19 8.43 8.98
VR MIP TRI 9.71 -0.66 -0.27 -1.75 -0.33 4.63 11.87 10.35 9.35 8.41 9.54
Hybrid: Equity Savings 12.43 0.61 0.61 -0.87 1.11 5.57 14.27 9.82 8.51 8.31 --
Rank within category 11 21 22 4 10 14 11 13 9 -- --
Number of funds in category 23 23 23 23 23 23 23 18 13 4 0

As on 08-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
PGIM India Equity Savings Fund  | Invest Online
2 star
 Jan-04 14.45 9.32 8.19 1.21% 104
HDFC Equity Savings Fund  | Invest Online
4 star
 Sep-04 20.11 11.06 9.60 2.10% 2,516
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
 Oct-14 12.80 10.18 9.45 2.18% 1,626
Axis Equity Saver Fund - Regular Plan
4 star
 Aug-15 15.72 11.31 10.39 2.20% 1,053
ICICI Prudential Equity Savings Fund  | Invest Now
3 star
 Dec-14 10.37 8.54 7.48 1.04% 4,506

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 28.47 23-Mar-2020 - 23-Mar-2021 -10.27 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 8.85 8.07 0.63 0.59 1.08 -1.71
VR MIP TRI 10.03 6.79 0.92 1.13 -- --
Hybrid: Equity Savings 9.32 9.22 0.63 0.69 1.26 -2.30
Rank within category 14 5 12 12 5 12
Number of funds in category 19 19 19 19 19 19

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

As on 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 40
Number of Bonds 4
Average Maturity (yrs) 0.39
Top 10 Holdings (%) 54.97
Portfolio P/B Ratio 3.03
Portfolio P/E Ratio 18.10

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
new Reserve Bank of India 364-D 06/01/2022 Treasury Bills SOV 0.00 - 9.52 9.52
new Reserve Bank of India 91-D 02/12/2021 Treasury Bills SOV 0.00 - 4.78 4.78
equal Reserve Bank of India 364-D 13/01/2022 Treasury Bills SOV 0.00 - 8.02 4.76
equal PGIM India Insta Cash Direct-G Mutual Fund -- 0.00 - 10.36 3.95
new 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 1.90 1.90

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
up Vedanta Metals 6.84 9.73 0.00 6.59
new Tata Consultancy Services Technology 36.67 9.89 0.00 5.37
up Adani Ports and Special Economic Zone Services 30.45 6.27 0.00 5.15
up Indusind Bank Financial 18.68 9.66 0.00 5.11
up Adani Enterprises Services 185.92 5.52 0.00 4.77
up HDFC Financial 24.80 9.66 0.00 4.50
up Tech Mahindra Technology 30.62 6.08 0.00 4.42
new Escorts Automobile 27.91 3.56 0.00 3.56
equal Jindal Steel & Power Metals 5.68 5.71 0.00 2.00
up NMDC Metals 4.10 1.84 0.00 1.84
equal Tata Chemicals Chemicals 34.52 2.68 0.00 1.55
up HDFC Bank Financial 25.15 10.30 1.08 1.52
up Axis Bank Financial 21.37 8.23 0.00 1.42
up ABB India Ltd. Engineering 121.13 1.42 0.00 1.42
new Ashok Leyland Automobile -- 1.36 0.00 1.36
new SBI Life Insurance Company Insurance 93.60 1.32 0.00 1.32
equal Havells India Engineering 74.46 2.22 0.00 1.21
up Reliance Industries Energy 31.28 8.87 0.87 1.13
up State Bank of India Financial 15.31 4.73 0.00 1.08
up Indiamart Intermesh Services 72.79 1.71 0.00 1.03
equal Glenmark Pharma. Healthcare 13.69 2.82 0.00 0.89
equal JSW Steel Metals 8.16 6.78 0.00 0.87
up Astral Chemicals 87.30 1.00 0.00 0.84
equal Tata Steel Metals 4.60 1.24 0.00 0.75
up Vodafone Idea Communication -- 0.81 0.00 0.70

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-Oct-2021

Fund Manager

— Alok Agarwal since 22-Aug-2016

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

Experience: Prior to joining PGIM India 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:

— Hitash Dang since 01-Jun-2021

Education: Mr. Dang is Bcom and MBA (PGDBA)

Experience: Prior to joining PGIM India Mutual Fund he has worked in Jaypee Capital Service Ltd. in Institutional Sales in Equity Markets and Multiflex Lami Print Ltd. in Business development.

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:

Invest Online
0.31%

Change from previous, NAV as on 08-Dec-2021

Growth: ₹ 39.6277

IDCW Yearly: ₹ 15.7979

IDCW Monthly: ₹ 12.9061

Investment Strategy

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.

Investment Details

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
Lock-in Period Not Applicable
Exit Load For units in excess of 10% of the investment,0.5% will be charged for redemption within 90 days

Basic Details

Fund House: PGIM India Mutual Fund
Launch Date: 29-Jan-2004
Return Since Launch: 8.01%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 104 Cr (As on 31-Oct-2021)
Expense: 1.21% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Below Average
Turnover: 139.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly18-Nov-20210.0670

 14-Oct-20210.0670
 17-Sep-20210.0670
 17-Aug-20210.0650
 19-Jul-20210.0650
 17-Jun-20210.0650
 17-May-20210.0650
 17-Jan-20200.0549
 17-Dec-20190.0549
 18-Nov-20190.0549
 17-Oct-20190.0629
 17-Sep-20190.0629
 19-Aug-20190.0629
 17-Jun-20190.0629
 17-May-20190.0629
 18-Apr-20190.0629
 19-Mar-20190.0354
 19-Feb-20190.0629
 17-Jan-20190.0629
 17-Dec-20180.0708
 19-Nov-20180.0708
 17-Oct-20180.0708
 17-Sep-20180.0708
 17-Aug-20180.0708
 17-Jul-20180.0708
IDCW Yearly26-Mar-20210.9700

 27-Mar-20200.7260
 25-Mar-20190.8854
 23-Mar-20181.4233
 26-Sep-20140.7013
 28-Mar-20140.3741
 26-Mar-20130.7047
 29-Mar-20120.7047
 08-Apr-20110.5710
 25-Mar-20110.5694
 26-Mar-20100.5694
 26-Mar-20090.6570
 30-Mar-20070.5481
 31-Mar-20060.7367
 31-Mar-20050.5481
IDCW Quarterly26-Dec-20190.0708

 27-Sep-20190.1771
 28-Jun-20190.1062
 28-Dec-20180.1948
 28-Sep-20180.1948
 02-Jul-20180.1948
 23-Mar-20180.3821
 29-Dec-20170.2200
 28-Sep-20170.2100
 29-Jun-20170.2200
 24-Mar-20170.2200
 29-Dec-20160.2400
 29-Sep-20160.2400
 27-Jun-20160.2000
 28-Mar-20160.2100
 23-Dec-20150.1517
 24-Sep-20150.1517
 26-Jun-20150.1517
 27-Mar-20150.1815
 26-Dec-20140.1633
 26-Sep-20140.2338
 27-Jun-20140.1636
 28-Mar-20140.0779
 27-Dec-20130.0779
 27-Sep-20130.0779

Contact Information

AMC: PGIM India Asset Management Pvt. Ltd.

Address: 4th Floor, C Wing, Laxmi Towers, Bandra Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022-61593000 / 1800-266-2667

Email: [email protected]

Website: https://www.pgimindiamf.com

Registrar & Transfer Agent: KFin Technologies Pvt 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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Stocks or Equity Funds for the long term?

DateFriday, 10-Dec-2021
Time12:30 PM - 01:00 PM

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