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Unrated

Baroda Equity Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.10 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.29 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 8.60 -0.18 0.00 1.90 1.81 10.52 9.71 -- -- -- --
VR MIP TRI 3.46 -0.34 -0.04 2.63 2.09 10.22 5.84 -- -- -- --
Hybrid: Equity Savings 1.93 -0.52 -0.02 2.25 2.75 11.65 3.90 -- -- -- --
Rank within category 1 1 10 17 19 15 1 -- -- -- --
Number of funds in category 23 23 23 23 23 23 23 14 10 0 0

As on 26-Oct-2020

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 9.71 -- -- 2.47 388
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 6.15 5.97 7.21 2.20 1,351
ICICI Prudential Equity Savings Fund  | Invest Now
4 star
Dec-14 0.91 4.16 6.59 1.50 1,105
Axis Equity Saver Fund - Regular Plan
4 star
Aug-15 2.91 5.85 6.40 2.33 676
HDFC Equity Savings Fund  | Invest Online
3 star
Sep-04 1.14 2.41 7.06 2.07 2,801

Best & Worst Performance

Best (Period) Worst (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 11.62 (19-Sep-2019 - 18-Sep-2020) 7.67 (25-Sep-2019 - 24-Sep-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR MIP TRI* 6.50 6.53 0.22 0.25 -- --
Hybrid: Equity Savings* 3.78 9.13 -0.11 -0.10 1.29 -3.15
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-Sep-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 57
Number of Bonds 17
Average Maturity (yrs) * --
Top 10 Holdings (%) 34.66
Portfolio P/B Ratio 2.32
Portfolio P/E Ratio 22.35

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 8.50% Bank of Baroda Bonds AA 2.15 - 2.60 2.60
new Baroda Liquid Direct-G Mutual Fund -- 0.00 - 2.06 2.06
equal 5.05% Indian Oil Corp. 25/11/2022 Debenture AAA 0.00 - 1.82 1.82
equal 8.00% Export-Import Bank 27/05/2021 Bonds AAA 0.00 - 1.59 1.59
equal 9.18% Vedanta 2021 Debenture AA 1.29 - 1.52 1.52
equal HDFC Bank 28/12/2028 Debenture AAA 0.00 - 1.43 1.43
equal 2.74% HDFC Bank 95-D Term Deposits -- 0.00 - 1.35 1.35
equal 2.74% HDFC Bank 96-D Term Deposits -- 0.00 - 1.35 1.35
equal 2.74% HDFC Bank 94-D Term Deposits -- 0.00 - 1.35 1.35
equal 4.49% HDFC Bank 179-D Term Deposits -- 0.00 - 1.29 1.29
equal 4.24% HDFC Bank 179-D Term Deposits -- 0.00 - 1.29 1.29
equal 4.49% HDFC Bank 178-D Term Deposits -- 0.00 - 1.29 1.29
new 11.00% Motilal Oswal Home Finance 2026 Bonds A+ 0.00 - 1.05 1.05
equal 8.12% NHPC 22/03/2029 Debenture AAA 0.00 - 0.85 0.85
equal 6.80% HPCL 15/12/2022 Debenture AAA 0.00 - 0.81 0.81
equal 9.20% ICICI Bank 31/12/2050 Bonds AA+ 0.69 - 3.26 0.79
equal 7.85% National Bank Agr. Rur. Devp 23/05/2022 Non Convertible Debenture AAA 0.00 - 0.54 0.54
equal Yes Bank Bonds/NCDs 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
down Reliance Industries Energy 32.15 8.89 5.57 7.51
equal ICICI Bank Financial 27.18 5.18 1.09 4.62
equal HDFC Financial 16.87 7.49 3.85 4.17
up Bharti Airtel Communication -- 5.90 0.51 3.83
down HDFC Bank Financial 22.48 5.56 2.19 2.54
down Infosys Technology 26.20 5.35 0.00 2.47
equal Dr. Reddy's Lab Healthcare 42.56 2.43 0.23 2.43
up Maruti Suzuki India Automobile 53.19 2.28 0.00 2.28
up Tech Mahindra Technology 20.12 2.21 0.00 2.21
equal Axis Bank Financial 89.50 4.61 2.05 2.05
equal Tata Steel Metals -- 2.12 0.00 1.86
up JSW Steel Metals 50.44 1.82 0.00 1.82
up ITC FMCG 14.32 3.44 0.57 1.58
equal Sun Pharmaceutical Inds. Healthcare 156.52 2.06 0.00 1.50
down Tata Consultancy Services Technology 32.86 3.27 0.24 1.44
down Hindustan Unilever FMCG 72.81 4.78 0.18 1.43
equal Power Finance Corp. Financial 3.02 1.55 0.00 1.23
up BPCL Energy 21.56 1.21 0.00 1.21
equal Torrent Pharmaceuticals Healthcare 36.31 1.19 0.00 1.19
up Britannia Inds. FMCG 47.24 1.89 0.00 1.16
equal Federal Bank Financial 7.15 1.61 0.00 0.91
up Mahindra & Mahindra Automobile -- 0.85 0.00 0.85
up Grasim Industries Construction 14.99 2.06 0.30 0.84
up Titan Company Cons Durable 130.08 1.62 0.44 0.81
up Shree Cement Construction 51.09 0.92 0.00 0.78

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 30-Sep-2020

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: Prior to joining Baroda AMC in 2008 he has worked with BOB.

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:


-0.18%

Change from previous, NAV as on 26-Oct-2020

Growth: ₹ 11.2400

Dividend: ₹ 11.2400


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 (₹) --
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: 9.74%
Benchmark: NIFTY 50 Arbitrage TRI (40), NIFTY Short Duration TRI (35), NIFTY 100 TRI (25)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 388 Cr (As on 30-Sep-2020)
Expense: 2.47% (As on 30-Sep-2020)
Risk Grade: --
Return Grade: --
Turnover: 610.00%

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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