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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
₹ 1.24 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.25 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
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 2.28 0.20 -0.09 -0.55 -0.35 11.91 26.94 7.48 8.17 -- --
VR MIP TRI 0.85 -0.15 -0.12 -0.69 -0.91 7.50 18.68 8.61 8.95 -- --
Hybrid: Equity Savings 2.11 -0.01 -0.31 -0.61 0.26 9.47 21.47 6.21 7.60 -- --
Rank within category 11 2 6 9 18 4 4 6 7 -- --
Number of funds in category 23 23 23 23 23 23 23 15 12 0 0

As on 20-Apr-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 26.94 7.48 8.17 1.70 1,365
HDFC Equity Savings Fund  | Invest Online
4 star
 Sep-04 23.77 6.69 9.54 2.26 2,332
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
 Oct-14 19.40 7.49 8.56 2.21 1,391
Axis Equity Saver Fund - Regular Plan
4 star
 Aug-15 21.92 7.73 8.43 2.41 725
ICICI Prudential Equity Savings Fund  | Invest Now
3 star
 Dec-14 19.48 7.19 8.51 1.51 1,072

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 8.54 10.42 0.39 0.42 1.48 -2.97
VR MIP TRI 9.24 6.80 0.70 0.81 -- --
Hybrid: Equity Savings 7.22 9.66 0.31 0.35 1.33 -3.61
Rank within category 5 11 6 6 13 7
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-Mar-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 69
Number of Bonds 11
Average Maturity (yrs) 1.50
Top 10 Holdings (%) 39.31
Portfolio P/B Ratio 3.35
Portfolio P/E Ratio 33.09

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- 3.59 - 4.27 4.17
equal 7.25% Punjab National Bank Additional Tier 2 Bond AA+ 0.00 - 3.09 2.89
equal 5.15% GOI 2025 GOI Securities SOV 0.00 - 1.81 1.79
equal Embassy Office Parks REIT 2022 Non Convertible Debenture AAA 1.17 - 1.37 1.33
equal 9.53% Indian Bank Additional Tier 2 Bond AA+ 0.00 - 1.27 1.18
equal 8.84% Tata Power 21/02/2023 Debenture AA 0.77 - 2.31 0.77
equal 10.10% L&T Vadodara Bharuch Tollway 30/06/2021 Debenture A 0.36 - 0.38 0.37
equal 6.65% Food Corporation of India 23/10/2030 Debenture AAA 0.00 - 1.15 0.36
equal 8.44% Indian Bank Additional Tier 1 Bond AA 0.00 - 0.38 0.36
equal 6.24% State Bank of India Additional Tier 2 Bond AAA 0.00 - 0.76 0.36
equal 5.83% State Bank of India Additional Tier 2 Bond AAA 0.00 - 1.13 0.35

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 Reliance Industries Energy 30.43 10.46 1.89 8.18
equal HDFC Financial 24.88 8.33 2.51 8.05
equal Adani Ports and Special Economic Zone Services 36.39 5.77 1.09 3.78
equal ICICI Bank Financial 26.22 3.72 1.59 2.63
equal Hindustan Unilever FMCG 76.77 2.80 0.58 2.63
equal HDFC Bank Financial 24.08 5.30 2.18 2.53
equal Tech Mahindra Technology 22.96 3.21 0.51 2.50
equal Infosys Technology 29.74 2.10 0.79 1.95
equal Axis Bank Financial 66.70 5.65 0.48 1.89
equal Kotak Mahindra Bank Financial 36.17 2.74 1.64 1.77
equal Tata Steel Metals -- 1.76 0.25 1.76
equal Asian Paints Chemicals 89.17 2.13 0.29 1.56
equal Grasim Industries Construction 20.98 1.39 0.44 1.39
equal Bajaj Finance Financial 69.08 2.15 0.86 1.38
equal Tata Consultancy Services Technology 36.38 3.39 1.11 1.29
up BPCL Energy 22.04 1.26 0.09 1.26
equal Bharti Airtel Communication -- 2.25 0.70 1.24
equal HDFC Life Insurance Financial 102.33 1.66 0.00 1.23
new Wabco India Automobile 138.39 1.21 0.00 1.21
equal Maruti Suzuki India Automobile 44.89 1.98 0.98 1.21
equal Sheela Foam Textiles 46.85 1.21 0.00 1.16
up Dixon Technologies Engineering 160.89 1.69 0.42 1.08
equal UPL Chemicals 18.64 1.02 0.33 1.02
equal Sun Pharmaceutical Inds. Healthcare 64.23 1.03 0.45 1.02
equal Page Industries Textiles 131.68 1.48 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-Mar-2021

Fund Manager

— Ruchit Mehta since 11-May-2015

— 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 20-Apr-2021

Growth: ₹ 15.6553

IDCW Quarterly: ₹ 14.8037

IDCW Monthly: ₹ 14.5139

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: 7.89%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,365 Cr (As on 31-Mar-2021)
Expense: 1.70% (As on 31-Mar-2021)
Risk Grade: Above 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

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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