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1 star

IDFC Equity Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.29 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.24 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 9.57 -0.28 -0.12 0.57 3.78 8.23 15.46 9.00 6.70 6.81 7.35
VR MIP TRI 12.48 -0.51 0.23 1.86 7.35 11.54 19.91 12.28 9.85 9.46 9.89
Hybrid: Equity Savings 13.11 -0.38 -0.08 1.61 5.22 10.76 21.29 10.61 8.21 9.01 --
Rank within category 21 6 14 22 19 21 22 17 -- -- --
Number of funds in category 23 23 23 23 23 23 23 18 13 2 0

As on 20-Oct-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
IDFC Equity Savings Fund - Regular Plan
1 star
Jun-08 15.46 9.00 6.70 2.33% 62
HDFC Equity Savings Fund  | Invest Online
4 star
Sep-04 30.02 11.60 9.53 2.15% 2,469
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 16.82 10.54 9.11 2.19% 1,575
ICICI Prudential Equity Savings Fund  | Invest Now
3 star
Dec-14 17.39 9.02 7.68 1.04% 3,986
SBI Equity Savings Fund - Regular Plan  | Invest Online
3 star
May-15 23.59 12.46 8.77 1.22% 1,816

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 5.10 24-Mar-2020 - 31-Mar-2020 -8.29 16-Mar-2020 - 23-Mar-2020
Month 10.84 24-Mar-2020 - 23-Apr-2020 -16.97 20-Feb-2020 - 23-Mar-2020
Quarter 18.06 24-Mar-2020 - 23-Jun-2020 -15.39 23-Dec-2019 - 23-Mar-2020
Year 32.87 23-Mar-2020 - 23-Mar-2021 -12.45 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 8.37 8.92 0.50 0.53 1.18 -3.78
VR MIP TRI 10.89 6.85 1.01 1.24 -- --
Hybrid: Equity Savings 9.60 9.24 0.65 0.70 1.24 -2.99
Rank within category 18 8 18 16 8 18
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-Sep-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 48
Number of Bonds 4
Average Maturity (yrs) 0.69
Top 10 Holdings (%) 45.82
Portfolio P/B Ratio 3.40
Portfolio P/E Ratio 22.93

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 Reserve Bank of India 182-D 09/12/2021 Treasury Bills SOV 0.00 - 8.15 8.05
equal 5.69% REC 30/09/2023 Non Convertible Debenture AAA 0.00 - 5.52 5.27
equal 5.50% Britannia Inds. 2024 Non Convertible Debenture AAA 0.00 - 0.00 0.00
equal Others Margin Money -- - 0.27

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 IDFC Nifty ETF-G Financial -- 9.00
equal Reliance Industries Energy 36.84 9.71 1.06 4.33
equal Sun Pharmaceutical Industries Healthcare 32.67 5.71 1.02 4.30
equal Tata Consultancy Services Technology 35.73 5.58 0.00 3.74
equal Tech Mahindra Technology 30.74 6.02 0.48 3.22
equal JSW Steel Metals 11.32 3.65 0.00 2.92
equal Hindustan Petroleum Corporation Energy 4.39 2.78 0.00 2.63
new HDFC Asset Management Company Financial 44.30 2.36 0.00 2.36
equal HDFC Bank Financial 27.18 7.13 2.10 2.33
equal Adani Ports and Special Economic Zone Services 28.69 6.55 0.00 2.24
equal Tata Chemicals Chemicals 48.16 2.24 0.00 2.24
equal Titan Company Consumer Durable 166.21 2.23 0.00 2.23
equal Mahindra & Mahindra Automobile 47.78 2.19 0.00 2.19
equal Bharti Airtel Communication 361.65 6.94 0.00 2.15
equal Aurobindo Pharma Healthcare 7.76 5.94 2.14 2.14
equal Dabur India FMCG 58.06 2.04 0.00 2.00
equal ICICI Bank Financial 26.23 5.82 1.62 1.82
equal LIC Housing Fin. Financial 11.82 1.67 0.00 1.66
equal SBI Life Insurance Company Insurance 89.88 1.94 0.00 1.62
equal Bajaj Auto Automobile 19.57 2.00 0.00 1.49
equal Marico FMCG 63.75 1.48 0.00 1.42
equal ICICI Prudential Life Insurance Co. Ltd. Insurance 144.60 1.58 0.00 1.31
equal Torrent Power Energy 21.21 1.37 0.00 1.31
equal MRF Automobile 24.14 1.57 0.00 1.27
equal HDFC Financial 25.49 7.57 1.16 1.25

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-2021

Fund Manager

— Sachin Relekar since 09-Dec-2020

Education: Mr. Relekar is an MMS(Finance) from Jamnalal Bajaj Institute of Management Studies Mumbai and B.E (Mechanical) from K.E.S. College of Engineering Islampur.

Experience: Prior to joining IDFC AMC he has worked with LIC Mutual Fund, Sundaram Mutual Fund, Tata AMC, CD Equity Search, Innovision Consulting and Tech Pacific India.

Funds Managed:

— Yogik Pitti since 27-Jun-2013

Education: He is a B.Com (H)

Experience: Prior to joining IDFC Mutual Fund, he was associated with CRISIL.

Funds Managed:

— Harshal Joshi since 20-Oct-2016

Education: Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai

Experience: Prior to joining IDFC Mutual fund in 2008 he has worked with ICAP India Pvt. Ltd.

Funds Managed:


-0.28%

Change from previous, NAV as on 20-Oct-2021

Growth: ₹ 24.7200

IDCW Yearly: ₹ 12.5100

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IDCW Quarterly: ₹ 12.2800

IDCW Monthly: ₹ 14.3000


Investment Strategy

The scheme seeks to generate income by predominantly investing in arbitrage opportunities in the cash and derivatives segments of the equity markets along with debt and money market instruments and to generate long-term capital appreciation by investing a portion of the Schemes assets in equity and equity related instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 100
Minimum No of Cheques 6
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
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: IDFC Mutual Fund
Launch Date: 09-Jun-2008
Return Since Launch: 7.00%
Benchmark: CRISIL Liquid Fund Index (70), NIFTY 50 TRI (30)
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 62 Cr (As on 30-Sep-2021)
Expense: 2.33% (As on 30-Sep-2021)
Risk Grade: Average
Return Grade: Low
Turnover: 52.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly28-Sep-20210.0400

 26-Aug-20210.0400
 28-Jun-20210.0300
 28-May-20210.0300
 26-Apr-20210.0300
 22-Mar-20210.0300
 26-Feb-20210.0300
 28-Jan-20210.0300
 28-Dec-20200.0300
 25-Nov-20200.0300
 28-Oct-20200.0300
 28-Sep-20200.0300
 31-Aug-20200.0300
 28-Jul-20200.0300
 26-Jun-20200.0300
 28-May-20200.0300
 28-Apr-20200.0300
 24-Mar-20200.0700
 28-Feb-20200.0281
 28-Jan-20200.0300
 27-Dec-20190.0300
 28-Nov-20190.0300
 30-Oct-20190.0300
 27-Sep-20190.0300
 29-Aug-20190.0300
IDCW Quarterly22-Mar-20210.0400

 26-Jun-20200.0800
 27-Dec-20190.1400
 24-Jun-20190.1400
IDCW Yearly22-Mar-20210.3100

 27-Mar-20190.5800
 22-Mar-20180.5351
 29-Mar-20170.1492
 17-Mar-20160.5017

Contact Information

AMC: IDFC Asset Management Company Limited

Address: Unit No. 27, Ground Floor, Khetan Bhavan,198, Jamshedji Tata Road, Churchgate, Mumbai - 400020

Phone: 022-24398777 / 24399999 / 66289999

Fax: 24215052 / 24215051

Email: [email protected]

Website: http://www.idfcmf.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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