Essel Regular Savings Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Conservative Hybrid Fund

Fund House : Essel Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 21.9188 -0.04%
(as on 05th December, 2019)

Crisil Rank

Not Ranked

Rank not available for the fund

Fund Size

: ₹ 38.39 Cr

(0.28% of Investment in Category)

Expense Ratio

: 0.79%

(1.15% Category average)

Risk-O-Meter

Moderate

Conservative Hybrid Fund :Conservative Hybrid Fund : Fund has 21.37% investment in indian stocks of which 10.57% is in large cap stocks, 4.38% is in mid cap stocks, 4.56% in small cap stocks.Fund has 57.61% investment in Debt of which , 57.61% in funds invested in very low risk securities..

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This Scheme

VS

Nifty 50

0.32%

2.49%

4.48%

11.02%

7.68%

8.67%

0%
NA
0.48%

3.45%

2.87%

7.68%

5.07%

7.57%

9.11%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 05th December, 2019)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	28-Nov-19	9983.90	-0.16%	-	-0.47%	3/21
1 Month	05-Nov-19	10072.50	0.73%	-	0.48%	6/21
3 Month	05-Sep-19	10380.20	3.80%	-	3.45%	10/21
6 Month	04-Jun-19	10328.90	3.29%	-	2.87%	12/21
YTD	01-Jan-19	10796.10	7.96%	-	3.84%	12/21
1 Year	05-Dec-18	10876.70	8.77%	8.77%	7.68%	13/21
2 Year	05-Dec-17	11404.10	14.04%	6.79%	5.07%	6/21
3 Year	05-Dec-16	12297.20	22.97%	7.14%	6.39%	7/21
5 Year	05-Dec-14	14825.70	48.26%	8.19%	7.57%	6/20
Since Inception	02-Jan-13	18341.30	83.41%	9.15%	9.11%	11/21

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 05th December, 2019)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	05-Dec-18	12000	12591.14	4.93 %	9.23 %
2 Year	05-Dec-17	24000	26038.36	8.49 %	8.04 %
3 Year	05-Dec-16	36000	40213.69	11.7 %	7.32 %
5 Year	05-Dec-14	60000	73106.47	21.84 %	7.83 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Portfolio (Updated on 31st Oct,2019)

Equity Holding : 21.37% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 21.37%

No of Stocks : 51 (Category Avg - 32.67) | Large Cap Investments : 10.57%| Mid Cap Investments : 4.38% | Small Cap Investments : 4.56% | Other : 1.86%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
HDFC Bank Ltd.	Banks	7.1	1.86%	0.02%	2% (Nov 2018)	1.67% (Aug 2019)	5.79 k	0.00
ICICI Bank Ltd.	Banks	5.6	1.46%	0.10%	1.46% (Oct 2019)	1.01% (Dec 2018)	12.11 k	0.00
Kotak Mahindra Bank Ltd.	Banks	5.4	1.40%	-0.06%	1.46% (Sep 2019)	0.81% (Nov 2018)	3.42 k	0.00
Larsen & Toubro Ltd.	Engineering, designing, construction	3.7	0.96%	0.01%	0.96% (Jun 2019)	0.76% (Feb 2019)	2.49 k	0.00
Axis Bank Ltd.	Banks	3.2	0.83%	0.06%	0.93% (May 2019)	0.36% (Nov 2018)	4.33 k	0.00
Federal Bank Ltd.	Banks	2.5	0.66%	-0.05%	0.71% (Sep 2019)	0.39% (Jan 2019)	30.37 k	0.00
AIA Engineering Ltd.	Castings/forgings	2.4	0.63%	-0.02%	0.65% (Sep 2019)	0% (Nov 2018)	1.40 k	0.00
Tech Mahindra Ltd.	Software -telecom	2.4	0.62%	0.29%	0.62% (Oct 2019)	0% (Nov 2018)	3.24 k	1.44 k
Infosys Ltd.	Computers - software	2.4	0.62%	0.12%	1.34% (Feb 2019)	0.1% (Nov 2018)	3.48 k	1.08 k
GlaxoSmithKline Consumer Healthcare Ltd.	Consumer food	2.3	0.60%	0.05%	0.6% (Oct 2019)	0% (Nov 2018)	250.00	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 7 (Category Avg - 22.33) | Modified Duration 0.51 Years (Category Avg - 2.28)| Yield to Maturity 5.73% (Category Avg - 7.38%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	11.55%
CD	28.48%	3.46%
T-Bills	0.00%	0.39%
NCD & Bonds	29.13%	45.91%
CP	0.00%	1.06%
PTC	0.00%	0.89%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.00%	0.00%
Low Risk	57.61%	43.13%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	18.11%
India Grid Trust	InvITs	2.91%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 29th November, 2019)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

2.72vs3.74

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.66vs0.77

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.06vs0.11

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

-1.41vs-1.48

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Kotak Debt Hybrid - Direct Plan - Growth	3	259.00	0.75	4.87	5.50	12.58	7.61
Baroda Conservative Hybrid Fund - Plan B (Direct) - Growth	NA	27.14	0.01	1.19	3.87	11.74	7.38
Canara Robeco Conservative Hybrid Fund - Direct Plan - Growth	5	209.13	0.60	4.31	4.84	11.51	7.83
BNP Paribas Conservative Hybrid Fund - Direct Plan - Growth	4	396.22	0.50	3.57	5.78	10.63	8.37
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	3	1672.97	0.68	4.51	4.32	10.52	9.29
HSBC Regular Savings Plan - Direct Plan - Growth	4	104.79	0.99	3.33	4.05	10.36	6.09
LIC MF Debt Hybrid Fund - Direct Plan - Growth	5	66.74	0.45	2.27	4.55	9.82	6.06
Franklin India Debt Hybrid Fund - Direct - Growth	3	309.95	0.84	3.68	3.88	9.70	6.12
IDFC Regular Savings Fund - Direct Plan - Growth	4	194.28	0.40	3.83	4.13	9.58	6.91
SBI Debt Hybrid Fund - Direct Plan - Growth	3	1093.28	-0.11	3.35	2.41	9.16	5.51

Detailed Comparison

More Funds from Essel Mutual Fund

Out of 10 mutual fund schemes offered by this AMC, 1 is/are ranked 4 * , 3 is/are ranked 3 * , and 6 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Essel Equity Hybrid Fund - Direct Plan - Growth	NA	234.21	1.88	9.39	3.23	14.12	0.00
Essel Multi Cap Fund - Direct Plan - Growth	NA	208.57	2.23	12.10	2.22	16.27	0.00
Essel Large & Midcap Fund - Direct Plan - Growth	4	105.94	1.92	10.62	-0.01	14.27	12.93
Essel Large Cap Equity Fund - Direct Plan - Growth	3	104.28	1.49	11.03	1.20	13.66	12.90
Essel Liquid Fund - Direct Plan - Growth	3	75.86	0.39	1.23	2.75	6.54	6.97
Essel Long Term Advantage Fund - Direct Plan - Growth	3	58.30	1.46	12.14	0.86	10.86	12.57
Essel Regular Savings Fund - Direct Plan - Growth	NA	38.39	0.72	3.80	3.29	8.77	7.14
Essel Ultra Short Term Fund - Direct Plan - Growth	NA	25.37	0.43	1.40	3.37	7.34	7.12
Essel 3 in 1 Fund - Direct Plan - Growth	NA	20.68	1.15	7.05	4.30	10.88	7.48
Essel Arbitrage Fund - Direct Plan - Growth	NA	0.84	0.36	1.03	2.21	5.43	0.00