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3 star

UTI Equity Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.31 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.34 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 13.80 -0.43 -0.02 -1.13 1.30 5.01 16.32 9.47 -- -- --
VR MIP TRI 10.44 -0.46 0.39 -1.10 0.55 5.28 13.12 10.42 -- -- --
Hybrid: Equity Savings 11.84 -0.28 0.26 -0.97 0.72 5.34 14.58 9.39 -- -- --
Rank within category 6 22 21 15 4 14 6 10 -- -- --
Number of funds in category 23 23 23 23 23 23 23 18 13 3 0

As on 03-Dec-2021

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
3 star
Aug-18 16.32 9.47 -- 1.52% 275
HDFC Equity Savings Fund  | Invest Online
4 star
Sep-04 20.43 10.50 9.61 2.10% 2,516
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 13.01 9.79 9.46 2.18% 1,626
Axis Equity Saver Fund - Regular Plan
4 star
Aug-15 16.22 10.97 10.37 2.20% 1,053
ICICI Prudential Equity Savings Fund  | Invest Now
3 star
Dec-14 10.91 8.29 7.60 1.04% 4,506

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.23 29-Jan-2021 - 05-Feb-2021 -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 11.75 15-Oct-2020 - 14-Jan-2021 -13.01 23-Dec-2019 - 23-Mar-2020
Year 32.07 23-Mar-2020 - 23-Mar-2021 -10.58 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.24 7.75 0.70 0.84 1.08 -1.27
VR MIP TRI 10.03 6.79 0.92 1.13 -- --
Hybrid: Equity Savings 9.32 9.22 0.63 0.69 1.26 -2.30
Rank within category 11 4 8 4 4 8
Number of funds in category 19 19 19 19 19 19

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

As on 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 32
Number of Bonds 13
Average Maturity (yrs) 2.31
Top 10 Holdings (%)* 54.73
Portfolio P/B Ratio 2.77
Portfolio P/E Ratio 20.96

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 5.63% GOI 2026 GOI Securities SOV 0.00 - 10.07 9.05
equal HDFC Bank 21/03/2022 Certificate of Deposit A1+ 0.00 - 3.90 3.58
equal 9.17% NTPC 22/09/2024 Debenture AAA 2.00 - 3.24 2.00
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 2.05 1.85
new Indian Bank 368-D Short Term Deposit -- 0.00 - 2.29 1.81
equal 7.85% The Indian Hotels Company 15/04/2022 Bonds/Debentures AA 0.00 - 1.33 0.85
equal 7.65% Jamnagar Utilities and Power 29/08/2022 Non Convertible Debenture AAA 0.74 - 1.20 0.74
equal Indian Bank 367-D Short Term Deposit -- 0.72 - 1.60 0.72
new Indian Bank 366-D Short Term Deposit -- 0.00 - 4.58 0.72
equal Punjab National Bank 365-D Short Term Deposit -- 0.00 - 0.91 0.72
equal Punjab National Bank 368-D Short Term Deposit -- 0.00 - 0.91 0.72
equal 6.70% Indian Railway Finance Corporation 24/11/2021 Bonds/NCDs AAA 0.11 - 0.18 0.11
new Clearing Corporation 91-D Short Term Deposit -- 0.00 - 0.07 0.07

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
up HDFC Financial 24.08 9.72 4.32 8.09
equal Reliance Industries Energy 31.17 9.61 4.54 6.99
equal Infosys Technology 34.93 9.33 4.28 6.57
up Grasim Industries Construction 18.36 7.06 0.70 5.84
up Axis Bank Financial 20.63 5.17 0.00 3.56
up HDFC Bank Financial 24.50 7.13 0.64 3.04
up ICICI Bank Financial 23.44 4.14 1.88 2.55
up ITC FMCG 19.14 4.09 1.47 2.43
equal JSW Steel Metals 7.84 3.21 0.00 2.40
up State Bank of India Financial 14.74 3.20 1.04 2.31
up Larsen & Toubro Construction 28.92 2.29 1.15 2.19
equal SBI Life Insurance Company Insurance 94.36 2.38 0.00 2.06
equal Bharti Airtel Communication 139.49 3.62 0.54 1.96
up Aurobindo Pharma Healthcare 7.61 3.26 0.73 1.90
equal Hindustan Unilever FMCG 65.71 1.78 0.00 1.41
equal Power Grid Corporation Energy 8.92 1.58 0.00 1.41
equal HCL Technologies Technology 27.55 1.56 0.00 1.21
equal Tata Motors DVR Automobile -- 1.10 0.00 1.10
up Mahindra & Mahindra Automobile 25.19 1.18 0.00 1.09
up Maruti Suzuki India Automobile 51.80 1.08 0.00 1.07
up GAIL Energy 6.25 1.69 0.00 0.98
up Oil & Natural Gas Corporation Energy 5.08 2.10 0.00 0.95
equal Wipro Technology 28.98 2.61 0.00 0.95
up NTPC Energy 9.21 1.51 0.00 0.91
up Bajaj Auto Automobile 14.69 0.97 0.00 0.83

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-2021

Fund Manager

— Sunil Patil since 10-Aug-2018

Education: Mr. Sunil Patil is an M.Com, MFM and CA LLB-I.

Experience: He joined UTI AMC in October 1989. He has overall 31 years of experience in Primary Market Investment / Dealing and Fund Management.

Funds Managed:

— 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:


-0.43%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 13.0260

IDCW Quarterly: ₹ 13.0260

More

IDCW Monthly: ₹ 13.0261

IDCW: ₹ 13.0260


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 (₹) --
Lock-in Period Not Applicable
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: 8.44%
Benchmark: CRISIL Equity Saving
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 275 Cr (As on 31-Oct-2021)
Expense: 1.52% (As on 31-Oct-2021)
Risk Grade: Below Average
Return Grade: Average
Turnover: 424.00%

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

Upcoming Video

Investors' Hangout

Stocks or Equity Funds for the long term?

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Time12:30 PM - 01:00 PM

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