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3 star

SBI Equity Savings Fund - Regular Plan

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Hybrid: Equity Savings

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1 Lakh

Investment Grown to
₹ 1.38 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.42 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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(₹)
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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 12.71 0.20 -0.43 -0.10 1.61 5.79 16.54 11.31 9.39 -- --
VR MIP TRI 10.34 0.43 -0.55 -1.37 1.13 5.51 13.23 10.39 9.43 -- --
Hybrid: Equity Savings 11.74 0.24 -0.59 -1.02 1.05 5.72 14.57 9.36 8.40 -- --
Rank within category 8 14 5 2 6 12 7 3 5 -- --
Number of funds in category 23 23 23 23 23 23 23 18 13 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)
SBI Equity Savings Fund - Regular Plan  | Invest Online
3 star
 May-15 16.54 11.31 9.39 1.27% 1,950
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 11.27 8.34 7.53 1.04% 4,506

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 40.94 23-Mar-2020 - 23-Mar-2021 -12.57 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 11.22 10.02 0.74 0.80 1.39 -1.26
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 3 15 4 6 15 7
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 88
Number of Bonds 20
Average Maturity (yrs) 1.74
Top 10 Holdings (%) 35.01
Portfolio P/B Ratio 3.64
Portfolio P/E Ratio 26.06

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- 3.09 - 4.27 3.09
equal Reserve Bank of India 182-D 18/11/2021 Treasury Bills SOV 0.00 - 2.89 2.56
equal Reserve Bank of India 182-D 25/11/2021 Treasury Bills SOV 0.00 - 2.89 2.56
equal 7.25% Punjab National Bank Additional Tier 2 Bond AA+ 0.00 - 3.09 2.08
equal 8.85% Power Finance Corporation 25/05/2029 Bonds/NCDs AAA 0.00 - 1.54 1.42
equal 7.40% Madhya Pradesh State 2026 State Development Loan SOV 0.00 - 1.46 1.34
equal 7.00% Reliance Industries 31/08/2022 Non Convertible Debenture AAA 0.00 - 1.72 1.31
equal Reserve Bank of India 182-D 12/11/2021 Treasury Bills SOV 0.00 - 1.44 1.28
equal Reserve Bank of India 182-D 02/12/2021 Treasury Bills SOV 0.00 - 1.44 1.28
equal 5.00% Bajaj Housing Finance 15/09/2023 Non Convertible Debenture AAA 0.00 - 1.37 1.27
equal Reserve Bank of India 364-D 30/03/2022 Treasury Bills SOV 0.00 - 1.35 1.26
equal Tata Projects 309-D 28/06/2022 Commercial Paper A1+ 0.00 - 1.40 1.24
equal Reserve Bank of India 182-D 16/12/2021 Treasury Bills SOV 0.00 - 1.15 1.02
equal Reserve Bank of India 182-D 30/12/2021 Treasury Bills SOV 0.00 - 1.49 1.02
equal Reserve Bank of India 364-D 06/01/2022 Treasury Bills SOV 0.00 - 1.09 1.02
equal Reserve Bank of India 364-D 11/03/2022 Treasury Bills SOV 0.00 - 1.14 1.01
equal 9.53% Indian Bank Additional Tier 2 Bond AA+ 0.84 - 1.27 0.84
equal 6.10% Rajasthan State 25/05/2026 State Development Loan SOV 0.00 - 0.83 0.77
equal 6.24% State Bank of India Additional Tier 2 Bond AAA 0.26 - 0.38 0.26
equal 5.83% State Bank of India Additional Tier 2 Bond AAA 0.25 - 1.13 0.25

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 Reliance Industries Energy 31.93 10.46 3.54 7.11
up HDFC Financial 23.54 8.33 3.89 6.57
up Adani Ports and Special Economic Zone Services 28.30 5.77 1.25 4.34
up Tech Mahindra Technology 30.32 3.21 0.83 2.64
up Infosys Technology 34.54 2.31 0.79 2.09
up ICICI Bank Financial 23.82 3.57 1.59 1.98
up Tata Steel Metals 4.25 2.56 0.67 1.92
up Larsen & Toubro Construction 28.66 1.67 0.50 1.67
up Hindustan Unilever FMCG 65.59 2.80 0.66 1.61
up Axis Bank Financial 20.84 5.65 1.39 1.39
up HDFC Bank Financial 24.36 5.30 1.25 1.31
up Bajaj Finance Financial 85.39 2.15 0.98 1.24
up Tata Consultancy Services Technology 36.18 3.13 0.76 1.18
up Kotak Mahindra Bank Financial 38.81 2.74 1.18 1.18
up Grasim Industries Construction 18.16 1.39 0.44 1.10
up Asian Paints Chemicals 92.46 2.13 0.78 1.06
up Bharti Airtel Communication 140.01 2.25 0.70 1.05
equal Relaxo Footwears FMCG 108.76 1.26 0.00 1.02
up JSW Steel Metals 7.72 1.31 0.11 0.96
equal Dixon Technologies Engineering 161.80 1.69 0.60 0.90
equal Sheela Foam Consumer Durable 61.45 1.21 0.00 0.89
up Bharat Petroleum Corporation Energy 4.47 1.26 0.09 0.88
equal DLF Construction 57.53 0.99 0.00 0.88
up Sun Pharmaceutical Industries Healthcare 28.67 1.12 0.55 0.88
equal Page Industries Textiles 96.05 1.48 0.00 0.87

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

— Ruchit Mehta since 11-May-2015

— Mansi Sajeja since 30-Jun-2021

Education: Ms. Sajeja is a CFA and has done Post Graduate Diploma in Business Management.

Experience: Prior to joining SBIFMPL, she was Rating Analyst at ICRA Limited.

Funds Managed:

— 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:

Invest Online
0.20%

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

Growth: ₹ 17.2518

IDCW Quarterly: ₹ 16.3135

IDCW Monthly: ₹ 15.9941

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
Lock-in Period Not Applicable
Exit Load 0.1% for redemption within 15 days

Basic Details

Fund House: SBI Mutual Fund
Launch Date: 27-May-2015
Return Since Launch: 8.72%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 1,950 Cr (As on 31-Oct-2021)
Expense: 1.27% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

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

 23-Mar-20180.3000
 23-Dec-20150.1500
IDCW 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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