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4 star

SBI Equity Savings Fund - Regular Plan download report


1 Lakh

Investment Grown to
₹ 1.27 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.04 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
SBI Equity Savings Reg-G -4.39 0.44 0.62 -1.57 -3.97 -3.67 0.40 8.31 6.83 7.32 --
VR MIP TRI -4.09 0.38 0.83 -1.31 -4.06 -3.47 1.21 6.62 7.26 7.57 --
Hybrid: Equity Savings -3.10 0.33 0.90 -0.76 -2.73 -2.40 1.76 6.96 6.24 6.65 --
Rank within category 18 5 19 21 18 18 18 5 6 4 --
Number of funds in category 22 22 22 22 22 22 22 21 14 9 1

As on 24-Jun-2022

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
4 star
May-15 0.40 8.31 6.83 1.19% 2,373
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 5.33 8.32 7.83 2.14% 1,890
Axis Equity Saver Fund - Regular Plan
4 star
Aug-15 0.57 7.10 7.23 2.17% 1,229
Mirae Asset Equity Savings Fund - Regular Plan  | Invest Online
5 star
Dec-18 1.54 10.04 -- 1.42% 538
Mahindra Manulife Equity Savings Dhan Sanchay Yojana - Regular Plan
4 star
Feb-17 1.43 9.22 6.77 2.57% 426

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
SBI Equity Savings Reg-G 9.03 10.08 0.55 0.61 1.38 -0.10
VR MIP TRI 7.56 6.88 0.59 0.74 -- --
Hybrid: Equity Savings 7.54 9.16 0.46 0.50 1.23 -0.94
Rank within category 3 16 6 7 18 7
Number of funds in category 21 21 21 21 21 21

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

As on 31-May-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 92
Number of Bonds 17
Average Maturity (yrs) 2.28
Top 10 Holdings (%) 28.86
Portfolio P/B Ratio 3.10
Portfolio P/E Ratio 21.21

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
down 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 5.18 3.21
equal TMF Holdings 2022 Debenture AA- 2.62 - 3.91 2.62
equal 7.16% GOI 20/05/2023 Central Government Loan SOV 0.00 - 2.26 2.13
equal 6.55% NTPC 17/04/2023 Debenture AAA 0.00 - 2.20 2.11
equal India Grid Trust 28/06/2024 Non Convertible Debenture AAA 0.00 - 2.20 2.09
equal Reserve Bank of India 364-D 26/01/2023 Treasury Bills SOV 0.00 - 2.11 2.03
equal 6.58% Gujarat State 31/03/2027 State Development Loan SOV 0.00 - 2.40 2.03
equal 8.38% Karnataka State 27/01/2026 State Development Loan SOV 0.00 - 1.33 1.30
equal 7.50% Cholamandalam Investment & Finance Company 29/05/2023 Debenture AA+ 0.00 - 1.29 1.27
equal 4.26% GOI 17/05/2023 GOI Securities SOV 0.00 - 1.35 1.24
equal 7.40% Madhya Pradesh State 2026 State Development Loan SOV 0.00 - 1.46 1.05
equal 5.00% Bajaj Housing Finance 15/09/2023 Non Convertible Debenture AAA 0.00 - 1.37 1.03
equal 6.37% L&T Metro Rail (Hyderabad) 30/04/2025 Debenture AAA 0.00 - 1.13 1.02
equal 7.20% Tamilnadu State 25/01/2027 State Development Loan SOV 0.00 - 0.91 0.89
equal 7.95% Bank of Baroda Additional Tier 1 Bond AA+ 0.00 - 0.90 0.84
equal KNR Tirumala Infra Pvt. 31/07/2035 Debenture AAA 0.00 - 0.84 0.83
equal DBL Mangloor Highways 31/08/2035 Debenture AA+ 0.00 - 0.83 0.79

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
down Adani Ports and Special Economic Zone Services 30.68 5.77 2.34 4.27
up Reliance Industries Energy 27.87 10.46 4.15 4.15
down HDFC Financial 17.58 8.33 3.39 3.49
down ICICI Bank Financial 19.77 3.57 1.75 2.76
down Larsen & Toubro Construction 24.24 2.92 0.50 1.98
equal Max Healthcare Institute Healthcare 59.60 2.15 0.00 1.96
up Axis Bank Financial 13.79 5.43 1.25 1.82
new Delhivery Services -- 1.65 0.00 1.65
down State Bank of India Financial 11.46 1.74 0.31 1.63
down Maruti Suzuki India Automobile 65.06 1.79 0.86 1.56
down Tech Mahindra Technology 17.14 3.21 1.04 1.54
down Bharti Airtel Communication 92.91 2.25 0.90 1.41
up Tata Steel Metals & Mining 2.60 3.52 0.67 1.35
up Container Corporation Of India Services 35.94 1.34 0.00 1.34
down Divi's Laboratories Healthcare 32.92 1.69 0.00 1.34
up PVR Services -- 1.16 0.00 1.16
up KPR Mills Textiles 20.32 1.10 0.00 1.10
down Hindustan Unilever Consumer Staples 60.96 2.80 0.81 1.09
down Bajaj Finance Financial 48.14 2.15 0.99 1.07
up Oil & Natural Gas Corporation Energy 3.79 1.03 0.09 1.03
equal Gokaldas Exports Textiles 18.42 0.99 0.00 0.99
down Hindalco Inds. Metals & Mining 5.28 1.12 0.11 0.98
equal Bandhan Bank Financial 366.41 1.00 0.00 0.97
up Neogen Chemicals Chemicals 73.26 0.94 0.00 0.94
equal Sheela Foam Consumer Discretionary 60.03 1.21 0.61 0.89

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-May-2022

Fund Manager

— 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:


0.44%

Change from previous, NAV as on 24-Jun-2022

Growth: ₹ 16.5694

IDCW Quarterly: ₹ 15.6681

IDCW Monthly: ₹ 15.3613


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

Min. Investment (₹) 1,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. 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: 7.39%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 2,373 Cr (As on 31-May-2022)
Expense: 1.19% (As on 31-May-2022)
Risk Grade: Average
Return Grade: Above 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

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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