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Unrated

Sundaram Equity Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.08 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.32 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 1.48 0.50 -0.35 2.22 7.10 10.57 7.81 -- -- -- --
VR MIP TRI 1.40 0.60 -0.11 2.04 8.18 11.51 11.17 -- -- -- --
Hybrid: Equity Savings 1.49 0.50 -0.32 2.27 8.95 13.21 9.73 -- -- -- --
Rank within category 12 12 16 12 19 20 19 -- -- -- --
Number of funds in category 23 23 23 23 23 23 23 14 11 0 0

As on 19-Jan-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Sundaram Equity Savings Fund - Regular Plan
Unrated
Dec-18 7.81 -- -- 2.50 96
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 10.59 7.53 9.03 2.21 1,373
ICICI Prudential Equity Savings Fund  | Invest Now
4 star
Dec-14 4.59 6.42 9.07 1.51 1,048
Axis Equity Saver Fund - Regular Plan
4 star
Aug-15 10.93 8.31 9.17 2.39 702
HDFC Equity Savings Fund  | Invest Online
2 star
Sep-04 9.98 5.59 10.09 2.09 2,577

Best & Worst Performance

Best (Period) Worst (Period)
Week 4.85 (24-Mar-2020 - 31-Mar-2020) -7.73 (11-Mar-2020 - 18-Mar-2020)
Month 9.32 (23-Mar-2020 - 22-Apr-2020) -16.16 (20-Feb-2020 - 23-Mar-2020)
Quarter 13.49 (23-Mar-2020 - 22-Jun-2020) -15.64 (23-Dec-2019 - 23-Mar-2020)
Year 9.02 (19-Feb-2019 - 19-Feb-2020) -10.98 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR MIP TRI* 8.59 6.92 0.55 0.65 -- --
Hybrid: Equity Savings* 5.85 9.59 0.14 0.17 1.30 -3.87
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-Dec-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 38
Number of Bonds 4
Average Maturity (yrs) 1.39
Top 10 Holdings (%) 52.15
Portfolio P/B Ratio 3.28
Portfolio P/E Ratio 30.46

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 8.45% REC 22/03/2022 Debenture AAA 3.69 - 5.68 5.45
equal 8.58% HDFC 18/03/2022 Debenture AAA 1.47 - 3.41 3.27
new 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 2.25 2.25
equal 7.99% REC 23/02/2023 Debenture AAA 1.46 - 2.28 2.21

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 29.59 10.23 3.83 9.73
down ICICI Bank Financial 27.10 9.20 0.96 8.92
up Hindustan Unilever FMCG 79.22 6.96 0.13 6.95
equal Tech Mahindra Technology 24.09 4.34 0.00 4.34
down Infosys Technology 30.16 4.28 0.23 3.97
down Reliance Industries Energy 33.43 10.96 2.88 3.81
down Bharti Airtel Communication -- 3.78 0.00 3.43
equal Axis Bank Financial 57.68 3.43 0.68 2.28
equal Tata Consumer Products FMCG 85.41 2.46 0.00 2.17
up Jindal Steel & Power Metals -- 2.55 0.00 1.95
down HDFC Bank Financial 27.00 6.20 1.24 1.80
equal Aurobindo Pharma Healthcare 17.24 1.61 0.00 1.61
equal Tata Consultancy Services Technology 39.17 2.93 0.00 1.42
equal Kotak Mahindra Bank Financial 41.29 1.73 0.00 1.24
equal Dr. Reddy's Lab Healthcare 52.59 1.98 0.00 1.24
equal Ultratech Cement Construction 26.47 3.85 0.00 1.23
equal United Spirits FMCG 251.58 1.20 0.20 1.20
equal Bajaj Auto Automobile 24.70 1.27 0.00 1.16
down Federal Bank Financial 10.00 1.19 0.00 1.04
down HDFC Life Insurance Financial 105.24 1.06 0.00 1.02
equal Larsen & Toubro Construction 16.91 1.92 0.65 0.91
equal State Bank of India Financial 11.36 5.45 0.00 0.86
equal Ingersoll Rand India Engineering 32.39 0.86 0.00 0.85
equal HCL Technologies Technology 20.20 0.87 0.00 0.76
down Asian Paints Chemicals 111.52 3.01 0.00 0.66

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-Dec-2020

Fund Manager

— Dwijendra Srivastava since 16-Nov-2018

Education: Mr. Srivastava is B.Tech , PGDM (Finance) and CFA.

Experience: Prior to joining Sundaram Mutual Fund he has worked with PGIM India Mutual Fund, JM Financial AMC, Tata AMC Private Ltd., Tower Capital and Securities, Indo Swiss Financial and Gontermann Pipers.

Funds Managed:

— Rohit Seksaria since 23-Jul-2020

Education: Mr. Seksaria is CS, CA & has done MBA from IIM Ahmedabad

Experience: Prior to joining Sundaram Mutual Fund he has worked with Progress Capital/Asia Capital & Advisor Pte Ltd., Matchpoint Investment Management and Progress Capital Pte Ltd.

Funds Managed:


0.50%

Change from previous, NAV as on 19-Jan-2021

Growth: ₹ 11.7350

Dividend: ₹ 11.7347


Investment Strategy

The scheme seeks to generate income by investing in debt and arbitrage opportunities in the cash and derivatives segment of the equity market, and capital appreciation

Investment Details

Minimum Investment (₹) 100
Minimum Addl Investment (₹) 100
Minimum SIP Investment (₹) 100
Minimum No of Cheques 20
Minimum Withdrawal (₹) 100
Minimum Balance (₹) --
Exit Load For units in excess of 25% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Sundaram Mutual Fund
Launch Date: 07-Dec-2018
Return Since Launch: 7.84%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 96 Cr (As on 31-Dec-2020)
Expense: 2.50% (As on 31-Dec-2020)
Risk Grade: --
Return Grade: --
Turnover: 487.00%

Contact Information

AMC: Sundaram Asset Management Company Ltd

Address: Sundaram Towers, 2nd Floor, 46, Whites Road, Royapettah Chennai - 600014

Phone: 1860-425-7237

Email: [email protected]

Website: http://www.sundarammutual.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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