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2 star

DSP Equity Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.13 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.98 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 5.52 0.25 0.56 3.57 7.15 14.77 5.73 4.13 -- -- --
VR MIP TRI 8.22 0.39 0.94 4.18 6.42 11.45 8.81 8.39 -- -- --
Hybrid: Equity Savings 7.29 0.40 0.98 4.60 6.78 13.69 7.68 4.98 -- -- --
Rank within category 18 20 18 18 11 8 18 11 -- -- --
Number of funds in category 21 21 21 21 21 21 21 12 8 0 0

As on 04-Dec-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
DSP Equity Savings Fund - Regular Plan  | Invest Online
2 star
Mar-16 5.73 4.13 -- 2.40 396
HDFC Equity Savings Fund  | Invest Online
4 star
Sep-04 6.34 4.70 8.57 2.06 2,687
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 8.83 7.26 8.32 2.20 1,344
ICICI Prudential Equity Savings Fund  | Invest Now
4 star
Dec-14 4.12 6.04 7.95 1.49 1,069
Axis Equity Saver Fund - Regular Plan
4 star
Aug-15 8.78 8.01 8.14 2.33 682

Best & Worst Performance

Best (Period) Worst (Period)
Week 4.43 (26-May-2020 - 02-Jun-2020) -9.52 (16-Mar-2020 - 23-Mar-2020)
Month 8.33 (24-Mar-2020 - 23-Apr-2020) -18.88 (20-Feb-2020 - 23-Mar-2020)
Quarter 14.58 (24-Mar-2020 - 23-Jun-2020) -17.62 (23-Dec-2019 - 23-Mar-2020)
Year 17.09 (26-Dec-2016 - 26-Dec-2017) -13.55 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.41 11.44 -0.04 -0.04 1.56 -5.18
VR MIP TRI 7.89 6.79 0.45 0.52 -- --
Hybrid: Equity Savings 5.15 9.46 0.06 0.07 1.30 -3.66
Rank within category 14 15 14 14 15 15
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 30-Nov-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 49
Number of Bonds 21
Average Maturity (yrs) 0.90
Top 10 Holdings (%) 42.54
Portfolio P/B Ratio 2.78
Portfolio P/E Ratio 25.24

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 6.95% Reliance Industries 15/03/2023 Non Convertible Debenture AAA 0.00 - 6.81 6.81
equal 8.45% Power Finance Corp. 2022 Non Convertible Debenture AAA 0.00 - 2.83 2.83
equal ICICI Bank 367-D 23/11/2020 Fixed Deposits Unrated 0.58 - 1.33 1.33
equal Bank of Baroda 379-D 04/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 378-D 03/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 377-D 02/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 376-D 01/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 373-D 29/01/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 385-D 11/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 384-D 10/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 383-D 09/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 391-D 18/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 390-D 17/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 389-D 16/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 410-D 23/03/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 409-D 22/03/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 406-D 19/03/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 405-D 18/03/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal Bank of Baroda 404-D 17/03/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal ICICI Bank 397-D 23/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53
equal ICICI Bank 397-D 24/02/2021 Fixed Deposits Unrated 0.00 - 0.53 0.53

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 25.00 7.30 0.00 7.30
equal India Grid Trust Engineering -- 8.56 2.46 6.45
equal ICICI Bank Financial 24.89 5.29 0.00 4.71
equal HDFC Bank Financial 25.79 5.79 2.12 3.24
equal Dabur India FMCG 59.12 2.84 0.00 2.84
equal Bharti Airtel Communication -- 4.48 0.00 2.82
equal Infosys Technology 27.07 2.80 0.00 2.80
equal Ipca Laboratories Healthcare 28.64 2.74 0.00 2.74
equal Aurobindo Pharma Healthcare 16.79 2.98 0.51 2.59
equal Jindal Steel & Power Metals -- 2.54 0.00 2.54
equal Indusind Bank Financial 24.71 2.65 0.54 2.28
equal Cipla Healthcare 33.59 2.28 0.00 2.27
equal Mahindra & Mahindra Automobile -- 2.12 0.00 2.12
equal Voltas Cons Durable 66.99 2.10 0.80 2.10
equal Welspun India Textiles 17.14 1.78 0.00 1.78
equal Tata Consultancy Services Technology 33.37 1.76 0.00 1.76
equal Asian Paints Chemicals 102.82 1.46 0.00 1.46
equal Hatsun Agro Products FMCG 102.28 1.45 0.26 1.45
equal Crompton Greaves Consumer Electricals Cons Durable 43.49 1.33 0.46 1.33
equal Divi's Laboratories Healthcare 56.01 1.33 0.00 1.33
equal Max Financial Services Financial 67.03 1.22 0.00 1.20
equal Bajaj Finance Financial 65.43 6.17 1.15 1.19
equal Colgate-Palmolive FMCG 47.87 1.15 0.00 1.15
equal Balkrishna Industries Automobile 33.19 1.04 0.36 0.97
down Vedanta Metals -- 4.07 0.00 0.94

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-2020

Fund Manager

— Vinit Sambre since 01-Jun-2020

Education: Mr. Sambre is a B.Com and FCA.

Experience: Prior to joining DSP he was associated with DSP Merrill Lynch Ltd.(Nov 2005 to Jun 2007), IL & FS Investsmart Ltd. (Dec 2002 to Oct 2005), Unit Trust of India Investment Advisory Services Ltd.(Jun 2000 to Dec 2002), Kisan Ratilal Choksey Shares and Securities Pvt. Ltd. (March 1999 to May 2000) and Credit Rating Information Service of India Ltd.(Apr 1998 to Feb 1999).

Interviews:

Funds Managed:

— Saurabh Bhatia since 16-Mar-2018

Education: Mr. Bhatia holds Post Graduation Diploma in Business Management, Finance.

Experience: Prior to joining DSPBR Mutual Fund, had worked with ICICI Bank, HSBC Global Asset Management.

Funds Managed:


0.25%

Change from previous, NAV as on 04-Dec-2020

Growth: ₹ 13.8530

Dividend Quarterly: ₹ 11.4910

More

Dividend Monthly: ₹ 11.4260

Dividend: ₹ 11.6860


Investment Strategy

The Scheme seeks to generate income through investments in fixed income securities and using arbitrage and other derivative Strategies. The Scheme also intends to generate long-term capital appreciation by investing a portion of the Scheme's assets in equity and equity related instruments.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: DSP Mutual Fund
Launch Date: 28-Mar-2016
Return Since Launch: 7.20%
Benchmark: CRISIL Liquid TRI (70), NIFTY 500 TRI (30)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 396 Cr (As on 31-Oct-2020)
Expense: 2.40% (As on 31-Oct-2020)
Risk Grade: Above Average
Return Grade: Below Average
Turnover: 413.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly28-Feb-20200.0550

 28-Jan-20200.0550
 27-Dec-20190.0550
 28-Nov-20190.0550
 25-Oct-20190.0540
 28-Jun-20190.0540
 28-May-20190.0540
 26-Apr-20190.0545
 28-Mar-20190.0543
 28-Dec-20180.0535
 28-Aug-20180.0550
 27-Jul-20180.0541
 28-Jun-20180.0545
 28-May-20180.0550
 27-Apr-20180.0556
 28-Mar-20180.0550
 28-Feb-20180.0550
 25-Jan-20180.0560
 28-Dec-20170.0570
 28-Nov-20170.0560
 27-Oct-20170.0560
 03-Oct-20170.0560
 28-Aug-20170.0560
 28-Jul-20170.0560
 28-Jun-20170.0550
Dividend Quarterly27-Dec-20190.1660

 28-Jun-20190.1640
 28-Mar-20190.1640
 28-Dec-20180.0989
 28-Jun-20180.1653
 28-Mar-20180.1670
 28-Dec-20170.1720
 03-Oct-20170.1690
 28-Jun-20170.1650
 28-Mar-20170.1640
 28-Dec-20160.1260
 28-Sep-20160.1310
 27-Jul-20160.0900
Dividend28-Mar-20190.5007

 28-Mar-20180.7000
 29-Mar-20170.6210

Contact Information

AMC: DSP Investment Managers Pvt. Ltd.

Address: NATRAJ, Office No. 302-3rd Floor-Plot No. 194, MV Road Junction Western Express Highway, Andheri East Mumbai - 400069

Phone: 022-66178000

Fax: 022-56578181

Website: https://www.dspim.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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