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4 star

UTI Equity Savings Fund - Direct Plan download report


1 Lakh

Investment Grown to
₹ 1.37 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.30 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
UTI Equity Savings Fund Direct-G 4.01 0.17 0.89 3.83 5.57 2.35 7.30 10.94 -- -- --
VR MIP TRI 1.72 0.06 0.74 4.56 5.65 1.63 5.50 8.92 -- -- --
Hybrid: Equity Savings 2.03 0.11 0.66 3.40 4.77 1.59 5.40 10.14 -- -- --
Rank within category 2 6 6 8 5 5 2 9 -- -- --
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)
UTI Equity Savings Fund - Direct Plan  | Invest Online
4 star
Aug-18 7.30 10.94 -- 0.69 254
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

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.25 29-Jan-2021 - 05-Feb-2021 -5.77 11-Mar-2020 - 18-Mar-2020
Month 6.65 24-Mar-2020 - 23-Apr-2020 -13.01 20-Feb-2020 - 23-Mar-2020
Quarter 11.99 15-Oct-2020 - 14-Jan-2021 -12.86 23-Dec-2019 - 23-Mar-2020
Year 33.17 23-Mar-2020 - 23-Mar-2021 -9.83 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
UTI Equity Savings Fund Direct-G 10.27 7.97 0.85 1.00 1.04 1.65
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 10 7 5 4 7 5
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 32
Number of Bonds 10
Average Maturity (yrs) * 1.65
Top 10 Holdings (%) 46.43
Portfolio P/B Ratio 2.40
Portfolio P/E Ratio 16.42

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 5.40 - 10.07 5.66
equal Indian Bank Short Term Deposit -- 0.00 - 3.57 2.74
equal Punjab National Bank Short Term Deposit -- 0.00 - 2.23 2.16
equal 9.17% NTPC 22/09/2024 Debenture AAA 1.97 - 2.24 2.06
equal Export-Import Bank 184-D 30/09/2022 Certificate of Deposit A1+ 0.00 - 2.01 1.95
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 1.82 - 2.05 1.93
equal Canara Bank 14/03/2023 Certificate of Deposit A1+ 0.00 - 1.95 1.89
equal 7.65% Jamnagar Utilities and Power 29/08/2022 Non Convertible Debenture AAA 0.74 - 0.83 0.79
new Reserve Bank of India 364-D 01/06/2023 Treasury Bills SOV 0.00 - 0.13 0.13
equal Clearing Corporation Short Term Deposit -- 0.00 - 0.12 0.12

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 Infosys Technology 30.12 9.33 5.38 7.44
down HDFC Financial 19.49 9.72 6.14 6.83
down Grasim Industries Materials 13.67 7.06 0.70 5.50
down Reliance Industries Energy 26.83 9.61 4.63 4.63
down Axis Bank Financial 14.47 5.17 0.00 3.94
equal ICICI Bank Financial 21.95 3.75 1.88 3.52
equal HDFC Bank Financial 20.78 7.13 2.15 3.36
down ITC Consumer Staples 23.35 3.78 1.47 2.79
down State Bank of India Financial 13.41 3.20 1.15 2.53
equal SBI Life Insurance Company Insurance 83.26 2.52 0.00 2.52
equal JSW Steel Metals & Mining 10.52 3.21 0.00 2.44
equal Larsen & Toubro Construction 28.17 2.37 1.19 2.13
equal Hindalco Inds. Metals & Mining 6.51 2.66 0.00 1.86
up HCL Technologies Technology 19.11 1.83 0.00 1.79
down Mahindra & Mahindra Automobile 18.76 1.82 0.00 1.78
equal Hindustan Unilever Consumer Staples 66.55 1.78 0.00 1.68
down Aurobindo Pharma Healthcare 14.47 3.26 0.73 1.36
down NTPC Energy 9.34 1.51 0.00 1.28
down Bajaj Auto Automobile 18.81 1.33 0.00 1.25
equal Bharti Airtel Communication 75.69 3.62 0.76 1.21
down Power Grid Corporation Energy 10.19 1.58 0.00 1.18
new Indusind Bank Financial 15.44 1.29 0.00 1.18
down Cipla Healthcare 33.32 1.37 0.00 1.04
down Maruti Suzuki India Automobile 59.18 1.27 0.00 0.97
down GAIL Energy 4.31 1.39 0.00 0.90

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

*As on 30-Jun-2022

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:


0.17%

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

Growth: ₹ 14.0008

IDCW Quarterly: ₹ 14.0008

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IDCW Monthly: ₹ 14.0016

IDCW: ₹ 14.0008


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

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 6
Min. Withdrawal (₹) --
Min. 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: 8.89%
Benchmark: CRISIL Equity Saving
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 254 Cr (As on 31-Jul-2022)
Expense Ratio: 0.69% (As on 30-Jun-2022)
Risk Grade: Average
Return Grade: Average
Turnover: 405.00%

Contact Information

AMC: UTI Asset Management Company Ltd

Address: 1st Floor, Signature, Office No.103 Valsad Dharampur Road Mumbai - 396001

Phone: 0263 2296993

Fax: (0260) 2421315

Website: http://www.utimf.com

Registrar & Transfer Agent: KFin Technologies 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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