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3 star

SBI Equity Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.23 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.35 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 2.51 -0.12 0.11 5.02 12.02 16.14 13.84 7.24 9.38 -- --
VR MIP TRI 1.64 -0.13 0.06 3.44 8.17 10.94 12.00 8.79 10.05 -- --
Hybrid: Equity Savings 1.66 -0.18 -0.22 3.67 8.77 12.41 10.53 5.84 8.29 -- --
Rank within category 1 7 2 2 1 3 5 5 3 -- --
Number of funds in category 23 23 23 23 23 23 23 14 11 0 0

As on 21-Jan-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
SBI Equity Savings Fund - Regular Plan  | Invest Online
3 star
May-15 13.84 7.24 9.38 1.70 1,350
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 11.43 7.60 9.17 2.21 1,373
ICICI Prudential Equity Savings Fund  | Invest Now
4 star
Dec-14 5.11 6.46 9.23 1.51 1,048
Axis Equity Saver Fund - Regular Plan
4 star
Aug-15 12.05 8.41 9.35 2.39 702
HDFC Equity Savings Fund  | Invest Online
2 star
Sep-04 10.51 5.56 10.32 2.09 2,577

Best & Worst Performance

Best (Period) Worst (Period)
Week 5.18 (24-Mar-2020 - 31-Mar-2020) -9.16 (11-Mar-2020 - 18-Mar-2020)
Month 9.58 (24-Mar-2020 - 23-Apr-2020) -19.27 (20-Feb-2020 - 23-Mar-2020)
Quarter 16.32 (24-Mar-2020 - 23-Jun-2020) -18.23 (23-Dec-2019 - 23-Mar-2020)
Year 16.97 (26-Dec-2016 - 26-Dec-2017) -12.57 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.13 10.46 0.23 0.24 1.45 -3.19
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 4 11 5 5 13 9
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

The underlying data is unavailable.

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 TMF Holdings 2022 Debenture AA- 3.07 - 4.20 4.15
down 7.17% GOI 2028 GOI Securities SOV 0.00 - 6.97 3.21
new 7.25% Punjab National Bank 29/07/2030 Debenture AA+ 0.00 - 3.01 3.01
equal Embassy Office Parks REIT 2022 Non Convertible Debenture AAA 1.03 - 1.35 1.33
equal 9.53% Indian Bank 27/12/2029 Debenture AA+ 0.00 - 1.27 1.24
equal 5.83% State Bank of India 26/10/2030 Debenture AAA 0.00 - 1.13 1.12
equal 6.65% Food Corporation of India 23/10/2030 Debenture AAA 0.00 - 1.15 1.11
equal 8.84% Tata Power 21/02/2023 Debenture AA 0.78 - 2.31 0.78
equal 7.04% AU Small Finance Bank 399-D Term Deposits -- 0.00 - 0.76 0.74
equal 6.24% State Bank of India 21/09/2030 Non Convertible Debenture AAA 0.00 - 0.76 0.38
equal 10.10% L&T Vadodara Bharuch Tollway 30/06/2021 Debenture A 0.32 - 0.39 0.37

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 29.65 8.33 2.10 8.33
up Reliance Industries Energy 34.78 10.46 1.80 8.20
equal Adani Ports and Special Economic Zone Services 29.06 5.77 0.36 5.77
equal Hindustan Unilever FMCG 79.35 2.80 0.53 2.62
down ICICI Bank Financial 27.39 3.72 1.59 2.54
equal Tech Mahindra Technology 24.36 3.21 0.22 2.48
equal HDFC Bank Financial 26.46 5.30 2.18 2.46
down Kotak Mahindra Bank Financial 40.67 2.74 1.44 2.33
down Asian Paints Chemicals 94.72 2.13 0.28 2.13
equal Axis Bank Financial 58.29 5.65 0.48 1.88
equal Infosys Technology 30.68 2.10 0.79 1.81
down Bajaj Finance Financial 76.67 2.15 0.57 1.53
down Maruti Suzuki India Automobile 60.04 2.18 0.98 1.48
equal Bharti Airtel Communication -- 2.25 0.70 1.42
equal Tata Steel Metals -- 1.41 0.25 1.41
down HDFC Life Insurance Financial 105.56 1.66 0.00 1.21
down Ganesha Ecosphere Textiles 28.25 1.51 0.43 1.19
equal Tata Consultancy Services Technology 39.34 3.39 1.04 1.18
equal Sheela Foam Textiles 57.76 1.16 0.00 1.16
down Page Industries Textiles 166.34 1.48 0.00 1.12
equal ICICI Prudential Life Insurance Co. Ltd. Financial 68.02 1.35 0.00 1.11
equal Dixon Technologies Engineering 159.40 1.69 0.42 1.10
equal Sun Pharmaceutical Inds. Healthcare 95.10 1.03 0.45 1.02
down Interglobe Aviation Services -- 1.42 0.37 1.02
equal Dabur India FMCG 63.20 1.00 0.00 1.00

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-Dec-2020

Fund Manager

— Neeraj Kumar since 11-May-2015

Education: Mr.Kumar is a B.Com(H) and ACA.

Experience: Prior to joining SBI AMC he has worked with SBI Funds Management Pvt. Ltd. and LIC.

Funds Managed:


-0.12%

Change from previous, NAV as on 21-Jan-2021

Growth: ₹ 15.6905

Dividend Quarterly: ₹ 14.8369

Dividend Monthly: ₹ 14.5466


Investment Strategy

The scheme seeks to generate income by investing in arbitrage opportunities in the cash and derivatives segment of the equity market, and capital appreciation through a moderate exposure in equity.

Investment Details

Minimum Investment (₹) 1,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 1,000
Exit Load 0.1% for redemption within 15 days

Basic Details

Fund House: SBI Mutual Fund
Launch Date: 27-May-2015
Return Since Launch: 8.28%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,350 Cr (As on 31-Dec-2020)
Expense: 1.70% (As on 31-Dec-2020)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Quarterly07-Sep-20180.1771

 23-Mar-20180.3000
 23-Dec-20150.1500
Dividend Monthly10-Jul-20180.0576

 23-Apr-20180.0576
 23-Mar-20180.0650
 26-Feb-20180.0900
 29-Dec-20170.0650
 24-Nov-20170.0600
 29-Sep-20170.0650
 24-Aug-20170.0650
 28-Jul-20170.0650
 30-Jun-20170.0650
 31-May-20170.0650
 29-Jan-20160.0100
 30-Nov-20150.0600
 30-Oct-20150.0600

Contact Information

AMC: SBI Funds Management Ltd

Address: 9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai - 400051

Phone: 022-61793000 / 1800-425-5425

Fax: 022-22189663

Email: [email protected]

Website: http://www.sbimf.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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