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Unrated

Baroda Equity Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.07 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.23 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 -0.33 0.25 -0.81 0.16 3.56 6.91 -- -- -- --
VR MIP TRI 10.44 -0.46 0.39 -1.10 0.55 5.28 13.12 -- -- -- --
Hybrid: Equity Savings 11.84 -0.28 0.26 -0.97 0.72 5.34 14.58 -- -- -- --
Rank within category 23 14 12 9 19 21 23 -- -- -- --
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)
Baroda Equity Savings Fund - Regular Plan
Unrated
Jul-19 6.91 -- -- 2.38% 400
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 3.21 24-Mar-2020 - 31-Mar-2020 -3.71 16-Mar-2020 - 23-Mar-2020
Month 6.15 23-Mar-2020 - 22-Apr-2020 -8.48 20-Feb-2020 - 23-Mar-2020
Quarter 10.57 24-Mar-2020 - 23-Jun-2020 -7.43 23-Dec-2019 - 23-Mar-2020
Year 21.46 23-Mar-2020 - 23-Mar-2021 6.74 26-Nov-2020 - 26-Nov-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
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 -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

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

As on

* As on 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 59
Number of Bonds 17
Average Maturity (yrs) 2.30
Top 10 Holdings (%) 38.01
Portfolio P/B Ratio 2.48
Portfolio P/E Ratio 18.28

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 6.84% GOI 19/12/2022 GOI Securities SOV 0.00 - 6.43 6.43
equal 7.37% GOI 16/04/2023 GOI Securities SOV 0.00 - 3.90 3.90
equal 5.09% GOI 13/04/2022 GOI Securities SOV 0.00 - 3.77 3.77
equal 8.50% Bank of Baroda Additional Tier 1 Bond AA+ 0.00 - 2.51 2.51
equal 7.70% Shriram City Union Finance 21/12/2022 Non Convertible Debenture AA 0.00 - 2.00 2.00
equal HDFC Bank 28/12/2028 Debenture AAA 1.24 - 1.46 1.38
equal 8.20% GOI 15/02/2022 Central Government Loan SOV 0.00 - 4.99 1.27
equal Piramal Capital & Housing Finance 240-D 29/04/2022 Commercial Paper A1+ 0.00 - 1.21 1.21
equal 8.12% NHPC 22/03/2029 Debenture AAA 0.74 - 0.87 0.82
equal 6.80% Hindustan Petroleum Corporation 15/12/2022 Debenture AAA 0.70 - 0.82 0.77
equal 9.20% ICICI Bank Additional Tier 1 Bond AA+ 0.70 - 0.81 0.76
new 9.50% Shriram Transport Finance Company 27/02/2023 Non Convertible Debenture AA+ 0.00 - 0.51 0.51
equal 8.50% JSW Steel 2027 Debenture AA 0.00 - 0.51 0.51
equal 7.85% National Bank Agr. Rur. Devp 23/05/2022 Non Convertible Debenture AAA 0.47 - 0.55 0.51
equal 11.00% Motilal Oswal Home Finance 2026 Bonds AA- 0.00 - 0.51 0.51
equal 5.50% Britannia Inds. 2024 Non Convertible Debenture AAA 0.00 - 0.00 0.00
equal 9.00% Yes Bank Additional Tier 1 Bond D 0.00 - 0.00 0.00

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 ICICI Bank Financial 23.44 5.92 1.09 4.69
up Reliance Industries Energy 31.17 8.89 2.51 3.90
down Tata Consultancy Services Technology 36.81 4.62 0.24 3.57
equal Canara Bank Financial 8.33 3.48 0.00 3.48
down Tata Power Company Energy 49.59 4.50 0.00 3.26
equal Sun Pharmaceutical Industries Healthcare 29.00 2.54 0.00 2.50
equal Hindalco Inds. Metals 9.54 2.34 0.00 2.23
up HDFC Bank Financial 24.50 5.56 0.59 2.13
equal Infosys Technology 34.93 5.35 0.00 1.89
equal Maruti Suzuki India Automobile 51.80 3.12 0.00 1.87
equal Divi's Laboratories Healthcare 59.12 1.86 0.00 1.86
equal JSW Steel Metals 7.84 2.54 0.00 1.81
equal HDFC Financial 24.08 7.49 1.58 1.65
down NMDC Metals 4.08 2.56 0.00 1.61
new Zee Entertainment Services 28.99 1.56 0.00 1.56
equal Adani Ports and Special Economic Zone Services 29.48 1.46 0.00 1.39
down SAIL Metals 3.26 3.30 0.00 1.37
equal Escorts Automobile 27.75 1.34 0.00 1.34
down Tata Steel Metals 4.38 5.41 0.00 1.32
equal Punjab National Bank Financial 11.39 1.23 0.00 1.23
equal Ashok Leyland Automobile -- 1.17 0.00 1.17
equal HCL Technologies Technology 27.55 1.43 0.00 1.14
down Tata Motors Automobile -- 4.74 0.00 1.10
new Grasim Industries Construction 18.36 2.06 0.00 1.10
equal Vedanta Metals 6.75 4.02 0.00 0.99

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

— Pratish Krishnan since 05-Sep-2019

Education: Mr. Krishnan has done MMS in Finance

Experience: Prior to joining Baroda Mutual Fund he has worked with Antique Stock Broking as Sr Analyst- IT, Telecom & Media, DSP Merrill Lynch as Vice President- Research, SBI Capital Markets as Sr. research Analyst, Cholamandalam DBS Finance LTD as Research Analyst.

— Dipak Acharya since 04-Jul-2019

Education: Mr.Acharya is M.Com., AICWA, CAIIB & PGPMS

Experience: He has been working in the investment area in the asset management industry for over 15 years now. He has been with the organization since September 2008. He was also the Fund Manager at BoB Mutual Fund from August 2003. Prior to this, Mr. Acharya was with Bank of Baroda, where he worked in the Treasury Dept. and Credit Dept for 10 years.

Funds Managed:

— Alok Sahoo since 04-Jul-2019

Education: Mr. Sahoo is a B.E and PGDM from XIM Bhubaneshwar.

Experience: Prior to joining Baroda AMC he has worked with UTI Mutual Fund and HSBC Mutual Fund.

Funds Managed:


-0.33%

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

Growth: ₹ 12.2300

IDCW: ₹ 12.2300


Investment Strategy

The Scheme seeks to generate capital appreciation and income by 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 12
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: Baroda Mutual Fund
Launch Date: 25-Jul-2019
Return Since Launch: 8.90%
Benchmark: NIFTY 50 Arbitrage TRI (40), NIFTY Short Duration Index (35), NIFTY 100 TRI (25)
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 400 Cr (As on 31-Oct-2021)
Expense: 2.38% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: --
Turnover: 747.00%

Contact Information

AMC: Baroda Asset Management India Ltd

Address: 501, Raheja Titanium, Western Express Highway, Goregoan, (E) Mumbai - 400063

Phone: +91 22-3074 1000

Fax: +91 22-3074 1001

Email: [email protected]

Website: http://www.barodapioneer.in

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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Time12:30 PM - 01:00 PM

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