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Unrated

UTI Equity Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.02 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.24 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 0.16 -0.15 0.18 -2.09 3.46 11.57 1.96 -- -- -- --
VR MIP TRI 1.28 -0.03 0.18 -0.78 3.10 9.92 4.27 -- -- -- --
Hybrid: Equity Savings 0.29 -0.07 0.40 -1.33 4.40 13.11 2.69 -- -- -- --
Rank within category 13 18 20 18 20 16 15 -- -- -- --
Number of funds in category 23 23 23 23 23 23 23 14 10 0 0

As on 29-Sep-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Equity Savings Fund - Regular Plan  | Invest Online
Unrated
Aug-18 1.96 -- -- 1.53 191
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 5.74 5.96 7.18 2.20 1,367
ICICI Prudential Equity Savings Fund  | Invest Now
4 star
Dec-14 1.05 4.74 7.21 1.49 1,146
Axis Equity Saver Fund - Regular Plan  | Invest Online
4 star
Aug-15 0.98 5.22 6.09 2.33 689
HDFC Equity Savings Fund  | Invest Online
3 star
Sep-04 -0.51 2.65 7.17 2.05 3,004

Best & Worst Performance

Best (Period) Worst (Period)
Week 3.71 (01-Apr-2020 - 09-Apr-2020) -5.79 (11-Mar-2020 - 18-Mar-2020)
Month 6.57 (24-Mar-2020 - 23-Apr-2020) -13.06 (20-Feb-2020 - 23-Mar-2020)
Quarter 11.60 (24-Mar-2020 - 23-Jun-2020) -13.01 (23-Dec-2019 - 23-Mar-2020)
Year 6.04 (29-Jan-2019 - 29-Jan-2020) -10.58 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR MIP TRI* 6.45 6.54 0.20 0.22 -- --
Hybrid: Equity Savings* 3.80 9.12 -0.12 -0.11 1.29 -3.03
Rank within category -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

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

As on

* As on 31-Aug-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 35
Number of Bonds 11
Average Maturity (yrs) 0.00
Top 10 Holdings (%) 53.30
Portfolio P/B Ratio 1.83
Portfolio P/E Ratio 19.10

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
new Stock Holding Corpn. Of India 1-D Short Term Deposit -- 0.00 - 8.90 8.90
equal 7.47% Power Finance Corp. 16/09/2021 Bonds AAA 2.36 - 3.48 3.23
equal 9.17% NTPC 22/09/2024 Debenture AAA 0.00 - 2.97 2.97
equal 7.40% REC 26/11/2024 Bonds/NCDs AAA 0.00 - 4.61 2.72
equal Punjab National Bank 366-D Short Term Deposit -- 2.62 - 7.95 2.62
equal JM Fin Asset Reconstruction co 27/09/2021 Zero Coupon Bonds AA- 1.07 - 1.75 1.75
equal 7.40% Power Finance Corp. 30/09/2021 Bonds AAA 0.87 - 1.29 1.29
equal 7.85% Indian Hotels 15/04/2022 Bonds/Debentures AA+ 0.81 - 1.22 1.20
equal 7.65% Jamnagar Utilities and Power 29/08/2022 Non Convertible Debenture AAA 0.70 - 1.09 1.09
equal 8.85% Power Grid Corporation 19/10/2021 Bonds AAA 0.14 - 0.21 0.21
equal 6.70% IRFC 24/11/2021 Bonds/NCDs AAA 0.11 - 0.16 0.16

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 35.85 9.53 0.00 9.53
down Infosys Technology 25.17 9.19 1.19 8.71
equal HDFC Financial 14.08 9.45 0.87 7.81
equal Axis Bank Financial 76.04 3.72 0.00 3.72
equal Grasim Industries Construction 13.90 3.09 0.00 3.09
equal ICICI Bank Financial 23.84 4.14 0.00 2.55
equal HDFC Bank Financial 20.38 7.13 0.00 2.37
equal Bharti Airtel Communication -- 3.62 0.00 2.27
equal ONGC Energy 21.21 2.10 0.00 2.09
equal ITC FMCG 14.39 4.09 0.00 1.92
up State Bank of India Financial 7.57 2.74 0.00 1.89
equal UPL Chemicals 19.45 3.24 0.40 1.76
equal Aurobindo Pharma Healthcare 16.03 2.25 0.73 1.71
equal Larsen & Toubro Construction 14.90 1.97 0.00 1.71
down Hero Motocorp Automobile 25.83 1.61 0.00 1.56
equal Sun Pharmaceutical Inds. Healthcare 171.03 1.53 0.00 1.53
equal GAIL Energy 4.59 1.87 0.45 1.32
equal NTPC Energy 14.52 1.51 0.00 1.11
equal Power Grid Corporation Energy 9.92 1.09 0.00 1.09
up Tata Steel Metals -- 1.08 0.00 1.08
equal Maruti Suzuki India Automobile 50.23 1.06 0.00 0.98
equal Cipla Healthcare 38.54 0.97 0.00 0.97
up Wipro Technology 18.23 1.79 0.00 0.97
equal Emami FMCG 51.82 0.89 0.00 0.89
equal Ambuja Cements Construction 21.57 0.87 0.00 0.85

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-Aug-2020

Fund Manager

— Sunil Patil since 10-Aug-2018

— V Srivatsa since 10-Aug-2018

Education: Mr. Srivatsa is a B.Com (H), Chartered Accountant, CWA. and PGDM from IIM Indore.

Experience: Prior to joining UTI in 2002 he has worked with Ford, Rhodes Parks & Co., Chartered Accountants and Madras Cements Ltd.

Funds Managed:


-0.15%

Change from previous, NAV as on 29-Sep-2020

Growth: ₹ 10.4098

Dividend Quarterly: ₹ 10.4098

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Dividend Monthly: ₹ 10.4098

Dividend: ₹ 10.4098


Investment Strategy

The Scheme seeks to provide capital appreciation and income distribution to the investors using arbitrage opportunities, investment in equity / equity related instruments and debt / money market instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) --
Minimum Balance (₹) --
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 30-Aug-2018
Return Since Launch: 1.94%
Benchmark: CRISIL Equity Saving
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 191 Cr (As on 31-Aug-2020)
Expense: 1.53% (As on 31-Aug-2020)
Risk Grade: --
Return Grade: --
Turnover: 505.00%

Contact Information

AMC: UTI Asset Management Company Ltd

Address: UTI Tower, 'GN' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022- 66786666 / 66786354 / 1800-22-1230

Fax: 022-26523031

Email: [email protected]

Website: http://www.utimf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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