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4 star

SBI Equity Savings Fund - Direct Plan download report


1 Lakh

Investment Grown to
₹ 1.37 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.22 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 Direct-G 0.48 -0.08 0.13 3.02 4.10 0.04 4.23 11.13 8.66 9.13 --
VR MIP TRI 1.72 0.06 0.74 4.56 5.65 1.63 5.50 8.92 8.30 8.37 --
Hybrid: Equity Savings 2.03 0.11 0.66 3.40 4.77 1.59 5.40 10.14 8.12 8.06 --
Rank within category 19 22 22 15 17 21 18 7 7 1 --
Number of funds in category 22 22 22 22 22 22 22 22 14 10 0

As on 12-Aug-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 - Direct Plan
4 star
May-15 4.23 11.13 8.66 0.64 2,402
Kotak Equity Savings Fund - Direct Plan  | Invest Online
4 star
Oct-14 8.89 11.03 9.23 1.10 1,926
Mirae Asset Equity Savings Fund - Direct Plan  | Invest Online
5 star
Dec-18 6.13 13.71 -- 0.41 561
Mahindra Manulife Equity Savings Dhan Sanchay Yojana - Direct Plan
4 star
Feb-17 6.38 13.73 9.84 0.62 439
ICICI Prudential Equity Savings Fund - Direct Plan  | Invest Now
3 star
Dec-14 6.84 8.66 7.98 0.45 5,021

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 5.19 24-Mar-2020 - 31-Mar-2020 -9.15 11-Mar-2020 - 18-Mar-2020
Month 9.63 24-Mar-2020 - 23-Apr-2020 -19.22 20-Feb-2020 - 23-Mar-2020
Quarter 16.50 24-Mar-2020 - 23-Jun-2020 -18.10 23-Dec-2019 - 23-Mar-2020
Year 41.90 23-Mar-2020 - 23-Mar-2021 -12.02 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
SBI Equity Savings Direct-G 11.02 10.22 0.74 0.83 1.34 0.93
VR MIP TRI 8.41 7.21 0.68 0.88 -- --
Hybrid: Equity Savings 9.77 9.05 0.72 0.79 1.15 0.61
Rank within category 4 18 11 9 19 10
Number of funds in category 22 22 22 22 22 22

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

As on 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 92
Number of Bonds 16
Average Maturity (yrs) 2.25
Top 10 Holdings (%) 27.74
Portfolio P/B Ratio 2.92
Portfolio P/E Ratio 19.01

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 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 5.18 2.74
equal TMF Holdings 2022 Debenture AA- 2.62 - 3.45 2.63
equal 7.16% GOI 20/05/2023 Central Government Loan SOV 0.00 - 2.26 2.10
equal India Grid Trust 28/06/2024 Non Convertible Debenture AAA 0.00 - 2.20 2.06
equal Reserve Bank of India 182-D 08/12/2022 Treasury Bills SOV 0.00 - 2.10 2.04
equal 6.58% Gujarat State 31/03/2027 State Development Loan SOV 0.00 - 2.40 2.03
equal Reserve Bank of India 364-D 26/01/2023 Treasury Bills SOV 0.00 - 2.11 2.02
equal Reserve Bank of India 364-D 08/06/2023 Treasury Bills SOV 0.00 - 2.03 1.98
equal 4.26% GOI 17/05/2023 GOI Securities SOV 0.00 - 1.35 1.23
new 8.75% Punjab National Bank Debenture AA 0.00 - 1.04 1.04
equal 5.00% Bajaj Housing Finance 15/09/2023 Non Convertible Debenture AAA 0.00 - 1.37 1.02
equal 6.37% L&T Metro Rail (Hyderabad) 30/04/2025 Debenture AAA 0.00 - 1.13 1.01
down 6.55% NTPC 17/04/2023 Debenture AAA 0.00 - 2.20 0.83
equal 7.95% Bank of Baroda Additional Tier 1 Bond AA+ 0.00 - 0.90 0.83
equal KNR Tirumala Infra Pvt. 31/07/2035 Debenture AAA 0.00 - 0.84 0.82
equal DBL Mangloor Highways 31/08/2035 Debenture AAA 0.00 - 0.78 0.78

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 Adani Ports and Special Economic Zone Services 36.86 5.77 2.34 4.29
equal HDFC Financial 19.49 8.33 2.78 2.95
equal ICICI Bank Financial 21.95 3.57 1.75 2.94
equal Maruti Suzuki India Automobile 59.18 2.78 0.86 2.78
equal Reliance Industries Energy 26.83 10.46 2.72 2.72
up Tata Steel Metals & Mining 3.53 3.52 0.67 2.54
equal Delhivery Services -- 1.95 0.00 1.95
equal Max Healthcare Institute Healthcare 55.63 2.15 0.00 1.89
equal Larsen & Toubro Construction 28.17 2.92 0.50 1.84
equal Axis Bank Financial 14.47 4.96 1.25 1.70
equal Container Corporation Of India Services 38.97 1.66 0.00 1.66
equal Aether Industries Chemicals 95.41 1.60 0.00 1.60
equal State Bank of India Financial 13.41 1.74 0.31 1.54
equal PVR Services -- 1.34 0.00 1.34
down Divi's Laboratories Healthcare 31.87 1.69 0.00 1.18
up Go Fashion (India) Services 162.93 1.16 0.00 1.16
equal Bharti Airtel Communication 75.69 2.25 0.90 1.13
equal Page Industries Textiles 74.89 1.48 0.00 1.09
equal Hindustan Unilever Consumer Staples 66.55 2.80 0.90 1.05
equal KPR Mills Textiles 21.85 1.10 0.00 1.01
equal Bajaj Finance Financial 51.32 2.15 0.77 0.99
equal HDFC Bank Financial 20.78 4.29 0.88 0.99
equal Hindalco Inds. Metals & Mining 6.51 1.12 0.11 0.86
equal Neogen Chemicals Chemicals 74.66 0.94 0.00 0.85
equal Sheela Foam Consumer Discretionary 59.08 1.21 0.64 0.82

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-Jul-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:


-0.08%

Change from previous, NAV as on 12-Aug-2022

Growth: ₹ 18.8473

IDCW Quarterly: ₹ 17.8481

IDCW Monthly: ₹ 17.2445


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: 9.18%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 2,402 Cr (As on 31-Jul-2022)
Expense Ratio: 0.64% (As on 30-Jun-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 Monthly31-Aug-20180.0443

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