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3 star

Tata Equity Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.24 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.18 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 3.18 0.02 0.47 -0.22 4.79 11.79 14.53 7.48 7.81 7.61 7.56
VR MIP TRI 1.96 -0.39 1.07 -0.12 4.02 10.70 13.65 9.56 9.86 9.69 8.79
Hybrid: Equity Savings 3.56 0.11 0.66 0.29 5.26 13.05 16.10 7.29 8.52 -- --
Rank within category 15 16 19 21 15 15 15 10 8 -- --
Number of funds in category 23 23 23 23 23 23 23 14 11 0 0

As on 08-Mar-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Equity Savings Fund - Regular Plan  | Invest Online
3 star
Apr-97 14.53 7.48 7.81 2.31 97
HDFC Equity Savings Fund  | Invest Online
4 star
Sep-04 20.28 7.94 11.07 2.20 2,416
Kotak Equity Savings Fund - Regular Plan  | Invest Online
4 star
Oct-14 14.94 8.49 9.17 2.23 1,382
ICICI Prudential Equity Savings Fund  | Invest Now
4 star
Dec-14 10.56 7.59 9.32 1.51 1,051
SBI Equity Savings Fund - Regular Plan  | Invest Online
3 star
May-15 19.38 8.43 9.16 1.75 1,316

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.71 24-Mar-2020 - 31-Mar-2020 -6.65 16-Mar-2020 - 23-Mar-2020
Month 7.21 19-Nov-2008 - 19-Dec-2008 -13.90 20-Feb-2020 - 23-Mar-2020
Quarter 10.94 23-Mar-2020 - 22-Jun-2020 -13.05 23-Dec-2019 - 23-Mar-2020
Year 21.57 16-Oct-2002 - 17-Oct-2003 -8.82 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.07 7.59 0.33 0.36 1.08 -2.19
VR MIP TRI 8.91 6.82 0.63 0.75 -- --
Hybrid: Equity Savings 6.91 9.68 0.27 0.31 1.33 -3.44
Rank within category 11 2 5 5 2 5
Number of funds in category 16 16 16 16 16 16

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

As on 28-Feb-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 37
Number of Bonds 13
Average Maturity (yrs) 1.45
Top 10 Holdings (%) 46.02
Portfolio P/B Ratio 3.67
Portfolio P/E Ratio 29.44

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 9.75% Jamnagar Utilities and Power 2024 Debenture AAA 4.06 - 6.15 5.80
equal 7.37% GOI 16/04/2023 GOI Securities SOV 0.00 - 3.38 3.29
equal 5.09% GOI 13/04/2022 GOI Securities SOV 0.00 - 3.21 3.14
equal HDFC Bank Fixed Deposits -- 0.00 - 3.25 3.09
new 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 2.21 2.21
equal 6.84% GOI 19/12/2022 GOI Securities SOV 0.00 - 2.24 2.16
equal 6.40% National Bank Agr. Rur. Devp 31/07/2023 Non Convertible Debenture AAA 0.00 - 2.25 2.13
equal Edelweiss Rural & Corporate Services 15/07/2021 Deep Discount Bonds AA 0.81 - 1.26 1.25
equal Federal Bank Fixed Deposits -- 0.00 - 3.09 1.03
equal JM Fin Asset Reconstruction co 15/07/2021 Debenture AA- 0.43 - 0.66 0.65
equal Edelweiss Retail Finance 29/07/2021 Debenture AA 0.40 - 0.63 0.62
equal 8.32% Reliance Jio Infocomm 2021 Debenture AAA 0.11 - 0.86 0.11
equal Others Margin Money -- - 10.35

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 Divi's Laboratories Healthcare 49.29 6.66 0.00 5.74
equal Adani Ports and Special Economic Zone Services 37.49 5.47 0.00 5.47
up HDFC Bank Financial 27.93 8.23 0.96 4.97
new Asian Paints Chemicals 84.40 4.70 0.00 4.70
up ITC FMCG 19.11 5.25 0.00 4.70
up ICICI Bank Financial 28.99 6.81 0.00 4.37
down Maruti Suzuki India Automobile 49.11 5.93 0.00 3.70
equal Infosys Technology 30.46 5.87 0.00 3.28
up Tech Mahindra Technology 22.49 2.99 0.00 2.86
down Reliance Industries Energy 34.61 6.88 0.72 2.82
down Tata Consultancy Services Technology 36.13 6.77 0.00 2.46
down HDFC Financial 26.26 6.12 0.50 2.38
down Bharti Airtel Communication -- 6.22 0.00 1.91
up Titan Company Cons Durable 170.19 1.85 0.00 1.47
up Ambuja Cements Construction 24.19 1.28 0.00 1.28
equal Dabur India FMCG 57.57 1.36 0.00 1.26
equal Hindustan Unilever FMCG 69.82 7.36 0.00 1.16
down SBI Life Insurance Company Financial 66.85 3.12 0.00 1.07
up NTPC Energy 14.08 2.03 0.00 1.05
down Ultratech Cement Construction 28.17 1.19 0.00 0.85
equal HCL Technologies Technology 19.58 1.18 0.00 0.79
down Larsen & Toubro Construction 18.36 4.27 0.65 0.79
new Tata Motors Automobile -- 1.12 0.00 0.71
equal State Bank of India Financial 14.85 2.95 0.00 0.67
equal Kotak Mahindra Bank Financial 41.83 3.32 0.00 0.67

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-Jan-2021

Fund Manager

— Sailesh Jain since 09-Nov-2018

Education: Mr. Jain is a Commerce Graduate and an MBA.

Experience: Prior to joining TATA Mutual Fund, he has worked with Invesco Mutual Fund, IDFC Securities Ltd. as Head Derivatives, Quant Broking Pvt Ltd. as Vice President and IIFL(India Infoline) as Vice President.

Funds Managed:

— Murthy Nagarajan since 01-Apr-2017

Education: Mr. Nagarajan is a M.Com, ICWA and PGPMS.

Experience: Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..

Funds Managed:


0.02%

Change from previous, NAV as on 08-Mar-2021

Growth: ₹ 38.3177

Dividend Monthly: ₹ 14.5604

Dividend: ₹ 18.3670


Investment Strategy

The scheme aims to provide long term capital appreciation by investing in equity and equity related instruments, equity arbitrage opportunities and investments in debt and money market instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 150
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Lock-in Period Not Applicable
Exit Load For units in excess of 12% of the investment,0.25% will be charged for redemption within 90 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 26-Apr-1997
Return Since Launch: 8.92%
Benchmark: NIFTY Equity Savings TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 97 Cr (As on 31-Jan-2021)
Expense: 2.31% (As on 31-Jan-2021)
Risk Grade: Below Average
Return Grade: Below Average
Turnover: 258.77%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly03-Mar-20210.0490

 05-Feb-20210.0480
 05-Jan-20210.0480
 03-Dec-20200.0470
 03-Nov-20200.0450
 05-Oct-20200.0450
 03-Sep-20200.0450
 04-Aug-20200.0450
 03-Jul-20200.0430
 04-Jun-20200.0420
 06-May-20200.0420
 23-Apr-20200.0420
 03-Mar-20200.0620
 03-Feb-20200.0620
 03-Jan-20200.0620
 04-Dec-20190.0620
 04-Nov-20190.0620
 03-Oct-20190.0620
 03-Sep-20190.0620
 05-Aug-20190.0620
 04-Jul-20190.0717
 03-Jun-20190.0717
 03-May-20190.0708
 04-Apr-20190.0708
 05-Mar-20190.0708
Dividend15-Jun-20170.2200

 17-Mar-20170.3000
 16-Dec-20160.3000
 16-Jun-20150.1456
 16-Mar-20150.1432
 16-Dec-20140.1448
 16-Sep-20140.1555
 17-Jun-20140.1555
 18-Mar-20140.1555
 17-Dec-20130.1452
 23-Sep-20130.1622
 20-Jun-20130.1605
 18-Mar-20130.1699
 20-Dec-20120.1795
 18-Sep-20120.1776
 18-Jun-20120.1757
 19-Mar-20120.1738
 21-Dec-20110.1332
 20-Sep-20110.1318
 20-Jun-20110.1361
 18-Mar-20110.1058
 20-Dec-20100.1357
 17-Sep-20100.1314
 18-Jun-20100.1328
 18-Mar-20100.1296
Growth13-Aug-20030.0644

 16-Jul-20030.0662
 17-Jun-20030.0658
 14-May-20030.0560
 16-Apr-20030.0631
 17-Mar-20030.0644
 17-Feb-20030.0644
 20-Jan-20030.0874
 11-Dec-20020.0644
 13-Nov-20020.0644
 16-Oct-20020.0782
 11-Sep-20020.0644
 13-Aug-20020.0644
 17-Jul-20020.0713
 17-Jun-20020.0713
 15-May-20020.0736
 17-Apr-20020.0710
 22-Mar-20020.0947
 13-Feb-20020.0736
 16-Jan-20020.0894
 12-Dec-20010.0684
 19-Nov-20010.0815
 17-Oct-20010.0736
 19-Sep-20010.0921
 14-Aug-20010.0736

Contact Information

AMC: Tata Asset Management Private Ltd

Address: 9th Floor, Mafatlal Centre, Nariman Point, Mumbai - 400021

Phone: 1800-209-0101

Email: [email protected]

Website: http://www.tatamutualfund.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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