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4 star

HDFC Equity Savings Fund


1 Lakh

Investment Grown to
₹ 1.35 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.44 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 16.42 0.31 -0.65 -1.27 1.31 6.04 20.72 10.46 9.47 9.01 9.71
VR MIP TRI 10.34 0.43 -0.55 -1.37 1.13 5.51 13.23 10.39 9.43 8.54 9.69
Hybrid: Equity Savings 11.86 0.25 -0.59 -1.06 1.05 5.82 14.72 9.42 8.47 8.43 --
Rank within category 2 10 14 16 10 10 1 7 4 -- --
Number of funds in category 22 22 22 22 22 22 22 17 12 3 0

As on 01-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
HDFC Equity Savings Fund  | Invest Online
4 star
Sep-04 20.72 10.46 9.47 2.10% 2,516
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 12.80 9.77 9.37 2.18% 1,626
Axis Equity Saver Fund - Regular Plan
4 star
Aug-15 16.02 10.85 10.17 2.20% 1,053
ICICI Prudential Equity Savings Fund  | Invest Now
3 star
Dec-14 11.77 8.33 7.42 1.04% 4,506
SBI Equity Savings Fund - Regular Plan  | Invest Online
3 star
May-15 16.54 11.31 9.39 1.27% 1,950

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.05 29-Jan-2021 - 05-Feb-2021 -7.15 11-Mar-2020 - 18-Mar-2020
Month 8.14 23-Mar-2020 - 22-Apr-2020 -16.12 20-Feb-2020 - 23-Mar-2020
Quarter 14.20 15-Oct-2020 - 14-Jan-2021 -15.95 23-Dec-2019 - 23-Mar-2020
Year 35.95 23-Mar-2020 - 23-Mar-2021 -13.61 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 10.36 9.59 0.69 0.80 1.29 -1.47
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 6 13 10 7 12 10
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 55
Number of Bonds 27
Average Maturity (yrs) 3.45
Top 10 Holdings (%) 37.33
Portfolio P/B Ratio 2.80
Portfolio P/E Ratio 19.74

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 8.98% Punjab National Bank Additional Tier 1 Bond AA 0.00 - 3.30 3.26
equal Powergrid Infrastructure Investment Trust Infrastructure Investment Trust -- 0.00 - 2.11 2.04
equal 8.75% Vedanta 30/06/2022 Non Convertible Debenture AA- 1.78 - 2.19 2.01
equal 5.09% GOI 13/04/2022 GOI Securities SOV 0.00 - 2.11 2.00
equal Reserve Bank of India 364-D 16/06/2022 Treasury Bills SOV 0.00 - 2.02 1.94
equal 9.70% Shriram City Union Finance 2022 Non Convertible Debenture AA 1.47 - 1.76 1.60
equal 7.48% Indian Railway Finance Corporation 13/08/2029 Non Convertible Debenture AAA 0.99 - 1.13 1.04
equal 7.75% Power Finance Corporation 2030 Non Convertible Debenture AAA 0.99 - 1.14 1.04
equal 7.40% Power Finance Corporation 2030 Non Convertible Debenture AAA 0.97 - 1.11 1.02
equal 9.08% Union Bank of India Additional Tier 1 Bond AA 0.94 - 1.09 1.01
equal 8.60% Canara Bank Additional Tier 1 Bond AA 0.94 - 1.09 1.00
equal 9.10% Union Bank of India Additional Tier 1 Bond AA 0.94 - 1.09 1.00
equal Reserve Bank of India 182-D 23/12/2021 Treasury Bills SOV 0.00 - 1.03 0.99
equal Reserve Bank of India 364-D 28/04/2022 Treasury Bills SOV 0.00 - 1.02 0.98
equal 4.48% GOI 2023 GOI Securities SOV 0.00 - 0.82 0.79
equal Reserve Bank of India 364-D 02/06/2022 Treasury Bills SOV 0.00 - 0.80 0.78
equal 7.59% GOI 2026 GOI Securities SOV 0.62 - 0.70 0.64
equal 8.15% GOI 2022 Central Government Loan SOV 0.00 - 0.65 0.61
equal 9.50% Inox Wind Infrastructure Services 28/09/2023 Debenture AA 0.49 - 0.65 0.49
equal Aarish Solar Power Ltd. 16/11/2027 Zero Coupon Bonds AA 0.41 - 0.47 0.43
equal 6.97% GOI 2026 GOI Securities SOV 0.40 - 0.45 0.42
equal 9.14% Bank of Baroda Additional Tier 1 Bond AA+ 0.00 - 0.42 0.40
equal 8.95% Punjab National Bank Additional Tier 1 Bond AA 0.34 - 0.39 0.36
equal Reserve Bank of India 364-D 11/03/2022 Treasury Bills SOV 0.00 - 0.21 0.20
equal 9.00% Union Bank of India Additional Tier 1 Bond AA- 0.19 - 0.22 0.20

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
equal HDFC Financial 23.54 9.58 3.64 7.07
equal Reliance Industries Energy 31.93 6.08 3.80 4.26
equal ICICI Bank Financial 23.82 5.42 2.81 4.09
equal State Bank of India Financial 14.80 4.45 1.98 3.85
down Infosys Technology 34.54 4.87 3.01 3.77
equal HDFC Bank Financial 24.36 3.81 0.00 3.12
equal Tata Steel Metals 4.25 3.62 0.93 2.97
equal Dr. Reddy's Lab Healthcare 39.09 3.16 0.80 2.56
equal Bharti Airtel Communication 140.01 2.44 0.05 2.38
equal JSW Steel Metals 7.72 2.27 0.40 1.94
equal Titan Company Consumer Durable 119.93 1.88 0.53 1.88
equal Larsen & Toubro Construction 28.66 3.65 1.80 1.84
equal Elecon Engineering Company Engineering 19.43 1.58 0.00 1.57
equal Adani Ports and Special Economic Zone Services 28.30 1.73 0.00 1.56
equal Axis Bank Financial 20.84 1.62 0.24 1.35
equal BEML Engineering 70.04 1.30 0.00 1.30
equal United Spirits FMCG 75.30 1.20 0.26 1.20
down Sun Pharmaceutical Industries Healthcare 28.67 3.24 0.94 1.14
equal Titagarh Wagons FMCG 45.89 1.18 0.00 1.12
equal SBI Cards & Payments Services Financial 87.37 1.56 0.00 1.07
equal Gujarat Pipavav Port Services 23.61 1.22 0.00 1.04
equal Bharat Petroleum Corporation Energy 4.47 1.10 0.00 0.92
equal NTPC Energy 9.25 4.86 0.00 0.89
equal JMC Projects (I) Construction 47.59 1.09 0.00 0.89
down Newgen Software Technologies Technology 26.69 1.12 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-Oct-2021

Fund Manager

— Gopal Agrawal since 16-Jul-2020

Education: Mr.Agrawal is a B.E and MBM.

Experience: Prior to joining HDFC Mutual Fund he has worked with DSP Mutual Fund, Tata AMC, Mirae Asset Mutual Fund ,SBI Mutual Fund, Kotak Securities, HDFC Securities, IDBI Capital, UTI Securities and IPCL.

Funds Managed:

— Anil Bamboli since 20-Aug-2004

Education: Mr. Bamboli is a CFA from Association for Investment Management and Research, U.S.A, Masters in Management Studies (Finance) and a Graduate in Cost and Works Accountant from ICWAI.

Experience: Prior to joining HDFC AMC he has worked with SBI Fund Management for 11 years.

Funds Managed:

— Arun Agarwal since 24-Aug-2020

Education: Mr. Agarwal is a B.Com., Chartered Accountant

Experience: Prior to joining HDFC Asset Management Company Limited, he has worked with SBI Funds Management Pvt. Ltd., ICICI Bank Limited, UTI Asset Management Pvt. Ltd.

Funds Managed:

— Krishan Kumar Daga since 08-Jan-2016

Education: Mr. Daga is a B.Com (H).

Experience: Prior to joining HDFC AMC he has worked with Reliance Mutual Fund, Reliance Capital Ltd., Deutsche Securities, B&K Securities, Brics Securities, JP Morgan Securities and HSBC Securities.

Funds Managed:


0.31%

Change from previous, NAV as on 01-Dec-2021

Growth: ₹ 47.6010

IDCW: ₹ 12.1770


Investment Strategy

The scheme seeks to provide capital appreciation by investing in Equity & equity related instruments, Arbitrage opportunities, and Debt & money market instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 1
Lock-in Period Not Applicable
Exit Load For units in excess of 15% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: HDFC Mutual Fund
Launch Date: 17-Sep-2004
Return Since Launch: 9.49%
Benchmark: NIFTY 50 Arbitrage TRI (40), NIFTY 50 TRI (30), CRISIL Short-Term Bond Index (30)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 2,516 Cr (As on 31-Oct-2021)
Expense: 2.10% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Above Average
Turnover: 19.41%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW27-Sep-20210.2200

 25-Jun-20210.2200
 25-Mar-20210.2200
 28-Dec-20200.2200
 25-Sep-20200.2200
 26-Dec-20190.2210
 25-Sep-20190.2210
 25-Jun-20190.2210
 25-Mar-20190.2210
 26-Dec-20180.2210
 25-Sep-20180.2210
 25-Jun-20180.2210
 26-Mar-20180.2500
 26-Dec-20170.2500
 25-Sep-20170.2500
 27-Jun-20170.2500
 27-Mar-20170.2500
 26-Dec-20160.2500
 04-Oct-20160.5000
 28-Apr-20161.0000
 12-Feb-20150.8710
 13-Feb-20140.7500
 14-Feb-20130.7500
 17-Feb-20120.7500
 17-Feb-20110.7500

Contact Information

AMC: HDFC Asset Management Company Ltd

Address: "HDFC House"-2nd Floor, H.T. Parekh Marg - 165-166, Backbay Reclamation, Churchgate Mumbai - 400020

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

Fax: 022-22821144

Website: http://www.hdfcfund.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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