- 31st 2020, vol. xii - issue 04 - 1/-, postal regn. no ... · p.o.nsc viii issue(u/s80c) w.e.f....

RNI NO.: APENG / 2004/12047, October 1st - 15th 2020, Vol. XII - Issue 13 - `̀̀̀̀1/-, POSTAL REGN. NO.: HQ/SD/510/2019-21

ECS CONSULTANTSINVESTMENT NEWS

Empowering & Enabling Growth Since 1996

P.T.O

Regd.Off: & H.O.: 1-7-284/293, Office No. 309, 3rd floor, Jade Arcade, Paradise, M.G.Road, Sec’bad-03. Tel:27845814/35, www.ecsconsultants.co.in, E-mail: [email protected]

• Mutual Funds • Fixed Deposits / Small Savings • RBI Floating Rate Savings Bonds • Capital Gain Bonds (u/s 54EC) • Tax Saving Schemes • IPOs / FPOs / NCDs

• Stock Broking • Insurance (Life & Health) • Tax Free / Sovereign Gold Bonds • NPS / PAN Services • Housing / Mortgage Loans • Loan Against Shares

Note : All Information given in this investment news is true to the best of our knowledge, and we do not own any responsibility legally or otherwise for correctness of the same.Due care is taken while printing investment news. Any discrepancy or mistake found may kindly be brought to our knowledge. Before taking any investment decision, go through or

ask for risk factor. Risk Factors : Mutual Fund and Securities investments are subject to market risks and there can be no assurance or guarantee that thescheme(s) objectives will be achieved. Please refer to the offer document before investing. Insurance is the subject matter of solicitation.

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Thoughtful Inspirational Quotable Quotes

ITI BANKING & PSU DEBT FUNDInvestment Objective: To generate income / capital appreciationthrough investments in debt and money market instrumentsconsisting predominantly of securities issued by entities such asScheduled Commercial Banks(SCBs), Public Sectorundertakings(PSUs), Public Financial Institutions(PFIs) andMunicipal Bonds. However, there can be no assurance orguarantee that the investment objective of the scheme would beachieved.

Allocation: Debt (including securitised debt) and Money MarketInstruments issued by Scheduled Commercial Banks (SCBs),Public Sector Undertakings (PSUs), Public Financial Institutions(PFIs) and Municipal Bonds max 100% min 80%, Debt (includinggovernment securities) and Money Market Instruments issued byentities other than the above max 20% min 0%.

Plans and Options: a) Regular plan Growth Option, b) DividendPayout and Reinvestment.

Fund Manager: Mr. Milan Mody & Mr. George Heber Joseph.

Min Amt: `5000/- and in multiples of `1/-.

Benchmark Index: CRISIL Banking and PSU Debt Index.

Entry Load: Not Applicable.

Exit Load: Nil from the date of allotment.

RISK FACTORS : Mutual Fund and Securities investments are subject to market risks and there can be no assurance or guarantee that the scheme(s)objectives will be achieved. Please refer to the offer document before investing.

NFO Closes on 19/10/2020

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Edelweiss MSCI India Domestic &World Healthcare 45 Index Fund

Investment Objective: The Scheme will invest in stockscomprising of the MSCI India Domestic & World Healthcare45 Index with the objective to provide investment returnsthat, before expenses, closely corresponds to the returnsequivalent to the index, subject to tracking errors. However,there is no assurance that the investment objective of theScheme will be realized and the Scheme does not assureor guarantee any returns.

Allocation: Stocks comprising the MSCI India, Domestic& World Healthcare 45 Index 95% - 100% High Debt andMoney Market Instruments / units of Liquid Mutual Funds0%-5% Low

Plans and Options: The Scheme will offer two Plans: 1)Regular Plan; 2)Growth option, Dividend payout / Reinvest.

Fund Manager: Mr. Hardik Varma and Mr. Mayur Dharmshi.

Min Amt: `5000/- and in multiples of `1/-.

Benchmark Index: MSCI India Domestic & WorldHealthcare 45 Index.

Entry and Exit Load: Nil.


NFO Closes on 20/10/2020

"Happiness is when what you think, what you say, andwhat you do are in harmony." - Mahatma Gandhi

"Thinking should become your capital asset, no matterwhatever ups and downs you come across in your life."

- A.P.J. Kalam

"You always pass failure on the way to success."- Mickey Rooney

"We don’t stop playing because we grow old; we grow oldbecause we stop playing." - George Bernard Shaw

"Those who contemplate the beauty of the earth findreserves of strength that will endure as long as life lasts."

- Rachel Carson

Warren Buffett, one of the mostsuccessful investors in the world. Thechairman and the chief executive officerof investment firm Berkshire Hathaway.Berkshire Hathaway is the fourthlargest in the world, with assets worth5819.7 billion, according to Forbes

His most famous advice for investorsis -"Rule No.1: Never lose money. Rule No. 2: Never forgetrule No.1."

Here are five investment lessons from 'Oracle of Omaha'

"Never invest in a business you cannot understand."

The golden rule of Warren Buffett is that one should investin those businesses that they understand. Buffett hasalways invested in sectors that he believes in. Wheneconomic condition is uncertain, stick to what you know.One should always be rational and stick to homeworkwhen researching businesses in which to invest. "Buy astock the way you would buy a house. Understand and likeit such that you'd be content to own it in the absence of anymarket," he said.

5 key investment lessons fromworld's third richest man

Source & Courtesy: Warren BuffettContd in Page 4

Source & Courtesy: Lokeshwarri SK, BusinessLine

Why are FPIs betting on India and China?

Be Empowered

Contd in Page 3

Investors who have spent time in front of their trading ter-minals exulting in the market rally and those who haveseen their stock picks deliver strong returns over the lastsix months, need to be thankful to foreign portfolioinvestors (FPIs).

For these investors are the force behind the rebound fromthe depths recorded in March.

A lot has been written about the manner in which centralbank stimulus created surplus liquidity which found itsway into stock markets through the FPI route. But whatmay surprise many is that FPIs have not been pumpingmoney into all emerging markets in an indiscriminatemanner.

Apart from strong GDP growth expected next year, bothcountries enjoy a demographic advantage as well

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Govt. Guaranteed SchemesGovt. Guaranteed SchemesGovt. Guaranteed SchemesGovt. Guaranteed SchemesGovt. Guaranteed SchemesRBI Floating Rate Saving Bonds (Taxable)(7.15% p.a. for this H-ly ending 31/12/20)

LIC Pradhan Mantri Vaya Vandana Yojana -7.40% p.a. Monthly Payable

PO 5 Year Time Deposit 6.7% p.a.

PO 5 Year Sr. CitizenSavings Scheme 7.4% p.a.

PO 5 Year Monthly IncomeAccount 6.6% p.a.

PO 5 Year NationalSavings Certificate 6.8% p.a.

PO Kisan Vikas Patra 6.9% p.a.(Matures in 124 months)

FAAA by CRISIL, MAAA by ICRA “Highest Safety”

36-60 months: 7.35%* p.a.

BAJAJ FINANCE LTD

For Individuals 0.25% p.a. less

Please Check the Latest Interest Rates with ECSECSECSECSECS before Investing

Compiled ason 09/10/2020Attractive Fixed Deposits

Bajaj Finance Ltd. FAAA 36 7.10 7.35

HDFC Ltd FAAA/MAAA 33 6.05 6.30

LIC Housing Finance FAAA 36 5.75 6.00

Mahindra Finance FAAA 36 6.30 6.55

Name Period inmonths

Individual(%)

Sr.Citizen(%) (60+)

CreditRating

"The main problem with today's generation is thatthey never feel they have enough to save."

Don’t put off Tax Savingtill the last minute

Source & Courtesy: Mr. Harsha Upadhyaya, Kotak MF - ValueResearch Mutual Fund Insight

Contd in Page 3

Edited, Printed, Published & Owned by E l luswamy Chandrasekaran E l luswamy Chandrasekaran E l luswamy Chandrasekaran E l luswamy Chandrasekaran E l luswamy Chandrasekaran from 1-7-284/293, Off ice No. 309, 3rd f loor, Jade Arcade, Paradise, M.G.Road, Secunderabad-03.Toll Free No. 1800 425 2969. Tel : 27845814 / 35, Toll Free No. 1800 425 2969. Tel : 27845814 / 35, Toll Free No. 1800 425 2969. Tel : 27845814 / 35, Toll Free No. 1800 425 2969. Tel : 27845814 / 35, Toll Free No. 1800 425 2969. Tel : 27845814 / 35, website: www.ecsconsultants.co.in. Printed at Sai Krishna Graphics & Printers, 3-5-242 & 243, Vittalwadi, Narayanguda, Hyderabad.

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Note: As the SIP beginning dates are different from the scheme launch date, the total amount of SIP installments may not be in line from launch Date of the above mentioned schemes. if you need more details, since inception returns, please do call us

RISK FACTORS : Mutual Fund and Securities investments are subject to market risks and there can be no assurance or guarantee that the scheme(s) objectives will be achieved. Please refer to the offer document before investing.

Sl. Launch Total Investment Total Investment Total Investment Total Investment Since AmountNo. Scheme Name Da teDa teDa teDa teDa te `̀̀̀̀12,000 (1 year) `̀̀̀̀36,000 (3 years) `̀̀̀̀60,000 (5 Years) `̀̀̀̀1,20,000 (10 years) Inception Invested Since

Value & Return Value & Return Value & Return Value & Return Value & Return inception*

Source & Courtesy: Morningstar

Equity Funds - Dividend Track record & Performance at a glanceFund Name

Launch AUM NAV as on 01/10/2020 Year wise dividends in `̀̀̀̀Sl . Return (%)ValueresearchRating

Sl.No.

SinceInception

Date (` ` ` ` ` Crs.) Dividend 1 Year 3 YearsNo. 5 YearsFY

2016-17FY

2017-18 10 YearsFY

2018-19Growth

Balanced Funds Source & Courtesy: Value Research, Mutual Fund Insight

Source & Courtesy: Value Research, Mutual Fund Insight

Large & Midcap Funds Source & Courtesy: Value Research, Mutual Fund Insight

Multi Cap / Diversified Equity Funds Source & Courtesy: Value Research, Mutual Fund Insight

Balanced Advantage Funds (BAFs) / Dynamic Equity Funds (DEFs)

Mid cap Funds

1 Birla Sun Life Equity fund - Gr Aug-98 12630.50 9.91 36789.05 1.41 68170.54 5.05 215504.83 11.27 2641961.22 21.28 2660002 DSP Equity Opportunities Fund - Gr May-00 12403.25 6.3 36769.46 1.38 68188.84 5.06 206499.06 10.46 1787396.44 16.33 2450003 Franklin India Prima Fund - Gr Dec-93 12727.08 11.45 35970.42 -0.05 65268.14 3.32 228597.52 12.38 7729722.01 18.33 3220004 HDFC Mid-Cap Opportunities - Gr Jun-07 13326.95 21.17 37215.29 2.17 67803.32 4.84 235890.16 12.96 462377.62 13.70 1590005 ICICI Prudential Multicap Fund-Gr Oct-94 12060.21 0.93 34434.81 -2.87 62713.87 1.74 186825.12 8.57 3475803.24 13.42 3120006 IDFC Core Equity Fund -Gr Aug-05 12832.45 13.14 36242.21 0.44 66482.52 4.05 182237.46 8.10 361233.4 10.24 1820007 Kotak Standard Multicap Fund - Gr Sep-09 12498.19 7.80 37380.72 2.46 70102.55 6.16 222701.27 11.89 267436.21 12.04 1330008 L&T Emerging Businesses Fund-Gr May-14 13390.30 22.21 34395.73 -2.94 64662.01 2.95 - - 93749.52 13.34 770009 Mirae Asset Large Cap Fund -Gr Apr-08 12793.24 12.51 38397.78 4.23 73071.41 7.82 231863.19 12.64 392078.1 14.10 15000010 Motilal Oswal Multicap 35 Fund-Gr Apr-14 12466.64 7.31 35822.11 -0.32 66529.28 4.08 - - 98963.48 15.64 7800011 Nippon India Small Cap Fund - Gr Sep-10 14267.60 36.89 38858.72 5.03 73066.99 7.81 292644.07 16.98 296251.33 15.41 12100012 SBI Magnum Multicap Fund-Gr Sep-05 12254.63 3.97 36018.56 0.03 66651.16 4.15 209721.09 10.76 411123.59 10.89 18000013 Sundaram Small Cap Fund Feb-05 13574.74 25.26 34770.92 -2.24 58902.70 -0.73 192220.45 9.11 482993.62 14.03 18800014 Tata Equity PE Fund -Gr Jun-04 12827.8 13.07 36485.66 0.87 68636.69 5.32 218974.66 11.57 666521.38 17.26 196000

1 Aditya Birla SL Equity Hybrid '95 Fund Feb-95 ** 7783 115.46 727.02 14.11 18.20 8.84 -1.34 -0.19 5.57 8.43 18.39 12 Canara Robeco Equity Hybrid Fund Feb-93 ***** 3351 74.61 175.06 7.20 7.53 7.27 9.73 7.54 9.39 10.5 12.04 23 DSP Equity & Bond Fund May-99 **** 5720 20.54 162.4 2.70 2.10 2.52 3.27 5.2 8.59 8.76 13.94 34 Franklin India Equity Hybrid Fund Dec-99 *** 1348 18.86 118.46 1.75 2.31 2.00 -0.85 2.35 5.52 8.74 12.6 45 HDFC Children's Gift Fund Mar-01 **** 3363 126.8 - - - - 5.87 5.56 9.06 11.69 15.37 56 ICICI Prudential Equity & Debt Fund Nov-99 *** 17535 18.78 126.51 2.10 2.88 2.48 -2.41 1.59 6.94 10.41 12.89 67 Kotak Equity Hybrid Fund Nov-99 *** 1213 15.48 26.21 1.43 1.48 1.33 4.76 4.37 7.52 7.74 13.32 78 L&T Hybrid Equity Fund Jan-11 *** 5837 19.55 26.83 1.14 1.55 0.69 4.07 2.33 6.48 - 10.76 89 Nippon India Equity Hybrid Fund Jun-05 * 4948 13.39 43.66 2.84 1.86 0.92 -16.04 -5.87 1.86 6.06 10.09 910 PGIM India Hybrid Equity Fund Jan-04 *** 107 18.64 68.79 - 1.79 1.20 1.33 2.44 4.30 4.8 12.25 1011 SBI Equity Hybrid Fund Dec-95 ***** 31993 29.64 139.9 0.60 2.80 0.84 0.72 5.89 8.19 9.9 15.19 1112 Sundaram Equity Hybrid Fund Jun-00 **** 1595 12.81 92.38 0.62 1.48 1.70 1.37 5.31 7.84 6.01 11.58 1213 Tata Hybrid Equity Fund Oct-95 ** 3302 53.38 208.68 6.30 6.35 5.18 -0.93 1.57 4.33 9.17 14.33 13

1 Aditya Birla SL Balanced Advantage Fund Apr-00 *** 2414 19.11 55.65 0.33 1.47 1.46 4.1 3.77 8.41 7.54 8.76 12 DSP Dynamic Asset Allocation Fund Feb-14 ***** 1547 10.87 16.67 - 0.52 0.45 5.96 5.8 7.23 - 7.98 23 HDFC Balanced Advantage Fund Feb-94 Unrated 37192 20.82 176.23 3.60 3.60 3.41 -7.51 -0.23 5.06 7.9 16.95 34 ICICI Prudential Balanced Advantage Fund Dec-06 **** 26638 14.31 38.12 1.80 1.14 0.89 5.07 6.06 8.1 10.53 10.21 45 Kotak Balanced Advantage Fund Aug-18 Unrated 4264 11.75 11.75 - - - 9.39 - - - 7.76 5

1 DSP Equity Opportunities Fund May-00 **** 5017 22.32 220.98 2.60 3.30 2.66 -0.11 2.29 8.75 8.74 16.39 12 IDFC Core Equity Fund Aug-05 *** 2164 12.94 43.85 1.18 1.00 0.80 1.62 1.18 7.78 6.6 10.24 23 Invesco India Growth Opportunities Fund Aug-07 **** 2831 17.48 35.29 - 1.50 - 2.71 5.57 9.00 9.87 10.06 34 Tata Large & Mid Cap Fund Mar-93 *** 1647 34.32 212.64 2.50 2.80 0.84 3.25 4.83 7.67 9.02 11.75 4

1 Aditya Birla Sun Life Equity Fund Aug-98 **** 11023 90.95 721.03 7.70 10.30 7.19 2.23 1.72 8.53 9.27 21.35 12 Axis Focused 25 Fund Jun-12 ***** 11372 16.8 29.65 1.30 2.00 1.59 1.44 6.68 11.25 - 14.06 23 DSP Focus Fund Jun-10 *** 1769 13.57 23.52 1.30 1.60 0.68 -0.29 2.69 6.31 7.42 8.65 34 HDFC Equity Fund Jan-95 ** 19798 36.9 565.92 5.00 5.50 5.25 -10.69 -0.69 4.93 6.53 16.96 45 Invesco India Contra Fund Apr-07 ***** 5019 24.37 49.45 - 5.85 2.07 7.01 6.38 10.37 10.93 12.58 56 Kotak Standard Multicap Fund Sep-09 **** 29714 21.23 35.17 1.25 1.50 1.33 -0.1 3.92 8.92 10.56 12.04 67 Motilal Oswal Multicap 35 Fund Apr-14 *** 11240 22.43 25.46 - 2.05 0.89 -2.84 -0.06 7.48 - 15.64 78 Nippon India Multi Cap Fund Mar-05 * 8053 23.04 80.35 3.00 4.75 2.43 -12.73 -2.09 2.08 7.38 14.37 89 PGIM India Diversified Equity Fund Mar-15 **** 226 12.31 15.44 0.50 1.39 0.44 17.33 6.85 9.07 - 8.09 910 SBI Magnum Multicap Fund Sep-05 *** 9063 21.13 47.21 1.90 4.40 - -4.34 1.93 7.82 8.99 10.89 1011 UTI Equity Fund May-92 **** 10983 110.21 158.07 2.80 2.80 2.92 12.48 9.02 9.35 10.54 12.04 11

1 Aditya Birla Sun Life Mid Cap Fund Oct-02 * 2284 27.33 268.37 2.80 3.91 1.93 2.47 -4.01 4.32 8.23 20.04 12 Axis Midcap Fund Feb-11 ***** 6307 24.95 42.68 2.00 2.25 2.12 14.09 11.61 10.68 - 16.27 23 DSP Midcap Fund Nov-06 ***** 7883 20.46 62.06 2.20 2.60 2.30 16.18 5.82 11.77 12.26 14.05 34 Franklin India Prima Fund Dec-93 *** 6572 48.51 924.22 6.00 6.50 4.86 0.95 0.52 7.2 11.74 18.36 45 HDFC Mid-Cap Opportunities Fund Jun-07 *** 22125 24.93 54.98 2.25 3.00 2.50 8.63 1.15 8.02 12.81 13.7 56 ICICI Prudential Midcap Fund Oct-04 ** 1869 20.22 93.56 3.65 1.35 0.88 3.58 0.16 6.1 9.48 15.06 67 Kotak Emerging Equity Scheme Mar-07 **** 7300 22.65 41.24 1.59 2.67 1.61 9.82 3.6 9.53 11.79 11.05 78 L&T Midcap Fund Aug-04 **** 5791 38.74 138.5 4.00 3.54 2.87 10.57 0.8 9.34 11.97 17.67 89 Motilal Oswal Midcap 30 Fund Feb-14 ** 1620 18.02 25.22 0.48 2.00 1.77 -0.28 0.09 4.37 - 15.04 910 Sundaram Mid Cap Fund Jul-02 ** 5310 28.97 436.37 - 4.20 2.13 0.37 -3.34 5.17 10.11 23.07 10

SIP It Up To Meet Lifetime Goals Selected SIP Performance Details as on 30/09/2020


(` ` ` ` ` Crs.) Dividend 1 Year 3 YearsNo. 5 Years 10 YearsGrowthFund Name Launch

Date

AUM NAV as on 01/10/2020 Year wise dividends in `̀̀̀̀Sl . Return (%)ValueresearchRating

FY2016-17

Sl.No.FY

2017-18FY

2018-19

SinceInception

Selected Equity Linked Saving Schemes - Dividend Track record & Performance at a glance Source & Courtesy: ValueResearch, Mutual Fund Insight

1 Axis Long Term Equity Fund Dec-09 **** 21905 19.96 47.13 2.23 2.50 2.04 0.97 6.78 9 13.77 15.49 12 Canara Robeco Equity Tax Saver Fund Feb-09 ***** 1122 26.44 73.01 1.90 2.00 1.77 12.61 9.62 10.14 9.97 14.26 23 DSP Tax Saver Fund Jan-07 **** 6298 13.67 48.54 1.65 3.38 1.80 -0.79 3.07 8.99 9.85 12.21 34 HDFC Taxsaver Fund Mar-96 * 6850 40.61 457.9 3.75 4.50 6.00 -7.02 -2.45 4.12 6.05 22.68 45 ICICI Prudential Long Term Equity Fund (Tax Saving) Aug-99 *** 6558 16.56 358.06 2.55 2.80 2.48 -0.44 3.4 6.36 9.00 18.45 56 IDFC Tax Advantage (ELSS) Fund Dec-08 *** 2211 15.85 54.31 1.24 1.30 0.85 3.66 0.84 7.46 9.66 15.46 67 Kotak Tax Saver Regular Plan Nov-05 *** 1244 17.36 45.49 1.47 1.58 1.34 4.28 4.69 8.19 8.22 10.73 78 Mirae Asset Tax Saver Fund Dec-15 ***** 4181 15.33 19.13 0.55 1.25 0.44 9.66 7.83 - - 14.59 89 SBI Long Term Equity Fund Mar-93 ** 7435 35.46 142.56 4.00 4.00 3.01 4.94 1.98 5.10 7.94 15.37 910 Tata India Tax Savings Fund Mar-96 **** 2075 53.11 17.93 9.00 10.00 8.85 -0.85 2.55 8.47 10.42 17.82 10

Debt: Medium Duration1 HDFC Medium Term Debt Fund Feb-02 **** 1302 15.91 41.93 0.85 0.69 0.65 9.01 7.41 7.88 8.28 7.98 12 ICICI Prudential Medium Term Bond Fund Sep-04 **** 5088 13.54 32.8 0.70 0.45 0.39 10.75 7.4 7.96 8.43 7.67 2

Debt: Banking and PSU1 Axis Banking & PSU Debt Fund Jun-12 ***** 16059 1036.12 2016.36 10.22 - - 9.79 9.05 8.6 - 8.78 12 Kotak Banking and PSU Debt Fund Dec-98 **** 9132 10.52 49.2 1.01 0.99 - 10.19 8.65 8.62 8.57 7.59 23 SBI Banking and PSU Fund Oct-09 ** 8953 1138.93 2402 12.10 - - 9.87 8.69 8.28 8.6 8.29 3



(` ` ` ` ` Crs.) Dividend Growth

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Scheme Obj :Equity - ELSS; Scheme Type: Open End;Launch Date : March ‘96, Fund Manager: Rupesh Patel, Ennettee Fernandes;

Entry Load : NA, Exit Load : Nil (An open ended equity linked savingscheme with a statutory lock in of 3 years and tax benefit)

Fund Performance

Holdings Net Asset (%) Period %

Top 5 Sectors

Instruments %

Top 5 Sectors

Tata India Tax Savings Fund

Top 10 Holdings (as on 30/09/2020)

FinancialEnergyTechnologyPharmaConstruction

Reliance Industries 13.84Infosys 8.81Hdfc Bank 8.07ICICI Bank 7.80Bharti Airtel 5.69State Bank of India 5.44HDFC 4.99Mahindra & Mahindra 2.92Divis Laboratories 3.24Ultratech Cement 2.35

1 Year 2.363 Years 2.125 Years 8.410 Years 10.43

Financial 31.83Energy 17.47Technology 8.81Pharma 7.95Construction 7.01

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Instruments %

Top 5 Sectors

Fund Performance


Top 5 Sectors


FinancialAA+AAEnergyAutomobile

Scheme Obj :Hybrid: Dynamic Asset Allocation; Scheme Type: Open End;Launch Date : Dec 2006, FundManager: Mr. Ihab Dalwai;

Entry Load : NA,Exit: For units in excess of 10% of the investment,1%will be charged for redemption within 365 days

ICICI Prudential Balanced Advantage Fund

Reliance Industries 6.10HDFC Bank 4.35ICICI Bank 4.40Bharti Airtel 2.88Infosys 3.31 5.77% GOI 2030 3.628.75% Axis Bank 2.639.20% ICICI Bank 31/12/2050 1.788.75% Axis bank 28/06/2022 1.696.19% GOI 16/09/2034 1.32


Financial 16.20AA+ 15.63AA 13.41Energy 10.17Automobile 5.96

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Top 5 Sectors

Instruments %

Top 5 Sectors


Scheme Obj : EHybrid: Dynamic Asset Allocation; Scheme Type: OpenEnd; Launch Date : Sept 2000; FundManager: Prashant Jain;Entry Load : NA,Exit Load : For units in excess of 15% of theinvestment,1% will be charged for redemption within 365 days

HDFC Balanced Advantage Fund

FinacialEnergyAA+TechnologyAAA

State Bank of India 8.22ICICI Bank 7.70Larsen & Toubro 5.98Infosys 5.85Power Grid Corporation 5.078.60% Canara Bank 1.818.75% State Bank of India 1.578.98% Punjab National Bank 1.199.15% ICICI Bank 0.76

1 Year -6.433 Years -0.355 Years 4.7710 Years 7.91

Finacial 23.83Energy 19.97AA+ 9.83Technology 6.82AAA 2.14

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Scheme Obj : Equity: ELSS; Scheme Type: Open End;Launch Date : January 2007; FundManager: Mr. Rohit Singhania;

Entry Load : NA Exit Load : NIL (An open ended equity linked savingscheme with a statutory lock in of 3 years and tax benefit)

Fund Performance


Top 5 Sectors

Instruments %

Top 5 Sectors

DSP Tax Saver Fund


FinancialEnergyHealthcareCommunicationTechnology


Financial 35.42Energy 9.90Healthcare 8.96Communication 8.79Technology 6.53

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Top 5 Sectors

Instruments %

Top 5 Sectors


Scheme Obj : Hybrid: Dynamic Asset Allocation; Scheme Type: Open End;Launch Date : Feb 2014; Fund Manager : Mr.Atul Bhole , Mr.Saurabh

Bhatia; Entry Load : N.A.; Exit Load : For units in excess of 10% of the“investment,1% will be charged for redemption within 365 days

DSP Dynamic Asset Allocation Fund

FinancialAAATechnologyAAConstruction

6.59% IRFC 14/04/2023 3.499.20% ICICI Bank 31/12/2050 3.46HDFC 19/05/2020 3.408.30% Reliance Industires 22 1.777.93% NTPC 2022 1.75ICICI Bank 6.85Hdfc Bank 4.04Indusind Bank 3.74Infosys 2.90Tata Consultancy Services 2.56

1 Year 6.973 Years 5.775 Years 7.0910 Years -

Financial 18.33AAA 21.39Technology 5.43AA 4.15Construction 3.86

ICICI Bank 9.91HDFC Bank 9.22Bharti Airtel 8.47Infosys 5.98State Bank of India 4.43Reliance Industries 3.29HDFC 2.69Dr. Reddy's Lab 2.06NTPC 2.05Ultratech Cement 2.02

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Contd. from Page 1

Be Empowered

In fact, they have preferred Indian and Chinese equity during thepandemic, even as they withdrew from many other emergingmarkets.The destiny of Indian and Chinese stock markets had been closelyentwined in the first decade of the millennium as foreign investorsturned gung-ho about the two economies that were growing at ascorching pace. This link weakened considerably after 2015,when Chinese stocks first went on a roaring bull-run, followed bya resounding crash, from which they haven't recovered yet.The two countries seem to be renewing this link once again.Outperformance of India, ChinaIf we look at the performance of the global benchmark indicesduring the pandemic, India and China have been among the outper-formers. While the Indian bench-mark, the Nifty 50, is close tosurpassing the pre-Covid peak, China's Shanghai Composite Indexis currently trading 4.7 per cent above this peak. The only othermarket that has been this buoyant is the US market.The Chinese stock market was the first to recover from the initialbout of selling this year. With data released by the Chinesegovernment indicating that the pandemic was under control in thecountry, the Shanghai Composite Index had moved to a new 52-week high by July.The Nifty 50 has also been rallying strongly, despite the gloomsurrounding corporate earnings and economy; it is currentlyaround 5 per cent below January peak. Many of the US indicessuch as the Nasdaq Composite (15 per cent above pre-Covidpeak) and the S&P 500 that was 5 per cent above its 2020 peak inearly September, have also managed to put up a good show.However, stocks in many other markets have not done this well.For instance, the CAC index of France, FTSE too of UK, Russia'sRTS index, Brazil's Bovespa index and Indonesia's Jakarta Com-posite index are at least 20 per cent below the pre-Covid peaks.Driven by FPI flowsWhat is the connecting link in the Chinese, Indian and US marketrallies? It is FPI flows. FPIs have taken a more favourable stancetowards India, China and the US, going by the latest data put outby Bloomberg.

Bouncing back Speedier recovery in China and India is alsoattracting foreign investors

These investors had net purchased Indian stocks worth $4.07billion year-to-date, up to September 29, 2020. Of this, around$6.5 billion had been infused between July-September, negatingthe out-flows recorded in March.Foreign portfolio flow data for China is available only until June 30.But the country had already received $47 billion in the first sixmonths of 2020. Nearly $78 billion of inflows were recorded in theJune 2020 quarter, probably because foreign investors found theprospects of China better compared to other countries in the ini-tial months of the pandemic.The US stock market received the maximum FPI inflows of $135billion, between January-July 2020. The rising uncertainty causedby the pandemic would have made investors move money back tothe safe haven of dollar-denominated securities. The 'home countrybias' would also have kicked-in, since the country of origin ofmore than 50 per cent of global portfolio funds is the US. Mostother countries including Indonesia, Japan, Malaysia, thePhilippines, South Korea, Taiwan, Brazil and Canada have recordednet portfolio outflows this calendar. This shows that FPIs did notfavour all emerging markets during the pandemic.Why the flows?Then why did money flow into India and China? The answerappears to lie in the speed of economic recovery expected in thetwo countries. As the pandemic progressed and movementrestrictions continued, revised growth projections are gettingbleaker. OECD projects GDP in all G-20 nations to contract between3 and 12 per cent in 2020.The only exception is China, which is projected to grow 1.8 percent this calendar. The OECD projections for 2021 however showthat while the recovery in most nations is expected to be tepid,under 5 per cent, India and China are expected to outperform.While China is projected to grows 8 per cent, India is expected togrow faster - at 10.7 per cent - in 2021. This is far above theprojected growth of 5 per cent for the world and 5.7 per cent forG-20 nations. It is quite possible that the speedier recovery inChina and India is attracting foreign investors. Besides this, thedemographic advantage enjoyed by both the countries, with alarge domestic consumption market and a younger population thatis expected to go back to pre-Covid level of activity faster, couldalso be working in favour of the countries.ImplicationsForeign investor money that has entered the stock market due tothe relatively superior growth prospects of the country is notexpected to exit in a hurry. This is good news for all the newbieinvestors who have piggy-backed on institutional investors toride the rally over the last few months. It also means that pricecorrections, if any, will not get too deep as both foreign as well asdomestic investors are willing to bet their money on India.

Why are FPIs betting on India and China?

Source & Courtesy: Lokeshwarri SK, BusinessLine

Contd. from Page 1

Don’t put off Tax Saving till the last minute

Everyone knows that spendingsensibly and saving regularly iskey to financial security. Yet,many are not able to save as muchas they want to. People who failto save, mostly have a steadyincome and are well-informedabout the importance of saving,yet they are victims of their ownaspirations. The emotionsattached to money decisions often makes cutting back on spendingtough. They simply cannot do the right thing and invest in savingtax even though they often, feel guilty about not doing it. But truthto be told, one needs to understand that investing in tax-savinginstruments is important not just for the time being but also for thelong run. When one invests in a tax-saving instrument, they savetax and at the same time save up for the various goals they needto meet at different life stages. This efficient tax planning shouldideally be done at the start of the year. to go easy on the pocket,one can start something as simple as a SIP in ELSS. It ensuresregularity and discipline of investment while serving the purposeof saving tax.

ELSS: The smart way of saving taxUnder section 81C of the Income Tax Act, ELSS helps in taxsavings of up to `64,116*

*The individual is assumed to earn a taxable income of more than Rs.5 core. The effective tax rate

is 30% Marginal Tax + 37% Surcharge on the tax rate + 4% Health and Education Cess = 42.74%

i.e. highest marginal tax brancket. The individula is assumed to utilise the complete tax deduction

limit of ̀ 150000 per financial year under Section 80C of Income Tax Act. This deduction is allowed

to an Individual or an HUF. This is only to illustrate the tax saving potential of ELSS and is not a

tax advice. Please consult your tax consultant for tax purpose.

Kotak Tax Saver FundAn open-ended equity linked saving scheme that helps you savetax under Section 80C of Income Tax Act and aims to generatelong-term capital appreciation.

Of all the number of investment options that can give you tax-saving benefits, ELSS could play a role of an efficient tax savinginstrument from the view point of a working professional. It isconsidered to be an ideal tax saving instrument offering potentialcapital appreciation along with tax benefits with the shortest lock-in period of 3 years. Investors can also avail SIP facility to spreadout the period of investment over a long period of time and utilizeit to average the cost, which can reduce the tax incidence andmay garner competitive returns.

A Diversified Equity FundThe fund follows a flexicap approach and it is not biased bymarket capitalization.

Offers Tax BenefitsInvestments made in ELSS are eligible for a Tax Deduction of up to`1.5 lakh under Section 80C of Income Tax Act. This benefit attractsnew as well as experienced investors.

Gateway to EquityNew to equity? ELSS can be an apt option to get yourself exposedto equity & the power of compounding.

Lowest Lock-inThere is a mandatory lock-in period for all major tax savinginvestment schemes and plan. However, ELSS has the lowestlock-in period of just 3 years that is enough time to instill discipline.

Comprehensive Investment StrategyEmphasis on bottom-up stock selection with top-down thematicoverlay helps identify stock opportunities.

Mr. Harsha Upadhyaya heads the equity desk at Kotak MahindraAsset Management Company. Harsha has over two decades ofexperience, spread across equity research and fund management.He completed his Bachelor of Engineering (Mechanical) fromNational Institute of Technology, Surathkal, and holds a PostGraduate Diploma in Management (Finance) from Indian Instituteof Management, Lucknow. He also holds Chartered FinancialAnalyst charter from the CFA Institute, US.

Kotak Tax Saver Fund(An open-ended equity linked saving scheme with a statutorylock-in of 3 years and tax benefits)

Suitable for investors who areseeking*:1. Long term capital growth with a3 year lock-in period.

2. Investment in portfolio ofpredominantly equity & equityrelated securities.

*Investors should consult theirfinancial advisor if in doubt aboutwhether the product is suitable forthem.

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.

Source & Courtesy: Mr. Harsha Upadhyaya, Kotak - ValueResearch Mutual Fund Insight

Capital Gain Bonds Now Open for this FY 2020-21

All CG Bonds now offers 5% p.a. and Pay AnnuallyInvest in Capital Gain Bonds and Save Capital Gain Tax up to 20%

REC (XIV) NHAI (XXI)

PFC (IV) IRFC (IV)(Y-ly Int dt. 30th June) (Y-ly Int dt. 1st April)

(Y-ly Int dt. 31st July) (Y-ly Int dt. 15th Oct)

To know more,Net Capital GainCalculation and

invest, Please callyour nearestE C SE C SE C SE C SE C S

FinancialFinancialFinancialFinancialFinancial /Toll Free: 1800 425

2969.

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From: ECS CONSULTANTS, 1-7-284/293, Office No. 303, 3rd floor,Jade arcade, M.G.Road, Secunderabad - 500 003.

Note : All Information given in this investment news is true to the best of our knowledge, and we do not own any responsibility legally or otherwise for correctness of the same. Due care is taken while printing investment news. Any discrepancy ormistake found may kindly be brought to our knowledge. Before taking any investment decision go through or ask for risk factor. Risk Factors : Mutual Fund and Securities investments are subject to market risks and there can

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Date of Posting 9th & 24th & Date of Publication 7th to 9th & 22nd to 24th

Telangana Region

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MALKAJGIRI 22-103, Beside Bank of Maharashtra, R.K.Nagar,@ Malkajgiri, Hyderabad - 500047. 040 - 27243201 98488 11501KUKATPALLY 2-22-1/92, G-3, Manju plaza, Bhagyanagar@ colony, Kukatpally, Hyderabad - 500072. 040 - 23060451 98488 23656DILSUKHNAGAR H.No: 13-3-13, Lakshmi Nivas Building,

Hanuman Nagar, Road No: 4B, Chaitanyapuri,Hyderabad - 500 060. 040 - 24152771 98480 44868

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040 - 48554612 70363 83065BAGH AMBERPET H.No: 2-2-647/A/68, 4th Road, Sai Baba Nagar, @ E-Seva Lane, Shivam Road, Bagh Amberpet,

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Pradhan Mantri Vaya Vandana Yojana

Pension : 7.40% p.a payable monthly (7.66% p.a Annual)

7.40%p.a.

Pleasecall

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Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

Selected Debt FundsSHORT TERM FUNDS

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MEDIUM TERM FUNDS

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. Retirement planning ke liye Sahi Hai

. Long-term aur short-term ke liye Sahi Hai

. Direct Plan ke zariye invest karna Sahi Hai

. SIP se investment ki shuruvat karna Sahi Hai

. Investment karne se pehle risk ko samajhna Sahi Hai

But even with theinspiration of

others, it'sunderstandable thatwe sometimes think

the world'sproblems are so bigthat we can do littleto help. On our own,we cannot end wars

or wipe outinjustice, but the

cumulative impact ofthousands of smallacts of goodness

can be bigger thanwe imagine. Queen

Elizabeth II

If you're not investing, you're doing it wrong Holding on to cash is a bad investment. Oneshould not keep too much liquidity. Investors should always look for ways to generate returnsfrom existing assets "Today people who hold cash equivalents feel comfortable. They shouldn't.They have opted for a terrible long-term asset, one that pays virtually nothing and is certain todepreciate in value," Buffett said.Stick to your long term plans "Someone's sitting in the shade today because someoneplanted a tree a long time ago," Buffett said. One should always look at the long term planswhile investing. Buffett's mantra is - "Only buy something that you'd be perfectly happy to holdif the market shut down for 10 years." As Buffett says, "Decide a business is worth investing inbecause it will last, not because it's doing well right now."Invest in yourself "I insist on a lot of time being spent, almost every day, to just sit and think.That is very uncommon in American business. I read and think. So I do more reading andthinking, and make less impulse decisions than most people in business."Credit cards debt Millennials, this is for you. Buffett has earlier advised people to avoid usingcredit cards as a piggy bank. "I don't know how to make 18%. If I owe money with 18% interest,the first thing I would do with any money I have is to pay it (credit card due). It's gonna be waybetter than any investment idea I have got," he said. "You can't go through life, borrowingmoney at those rates and be better off. So, I encourage everybody and it's contrary to Berkshire'sinterest in certain cases and in the world with love in the credit cards... I would suggest toanybody that the first thing they do in life is that they can get something else later on, but don'tbe paying even 12% to anybody just pay that off...," said Buffett.

5 key investment lessons from world's third richest manContd. fromPage 1

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Term plan premiums

TERM INSURANCE PREMIUM TABLE (Premium inclusive of service Tax)

Insurance Age Term ( `̀̀̀̀) ( `̀̀̀̀) co. Name (yrs) (yrs) 50 lakhs* 1 crore*

Term Insurance Plan (u/s.80C)Pay Just `̀̀̀̀5024* & get `̀̀̀̀50 lakhs Life Coverage

* Premium for 25 yrs old male for 30 yrs term Insurance is the subject matter of solicitation.

"HDFC Life” 25 30 Click 2 protect 35 20 3D Plus 45 10ICICI PRU 25 30 iPROTECT 35 20

45 10LIC 25 30AMULYA 35 20JEEVAN 45 10SBI Life 25 30Smart 35 20Shield 45 10

79289316

1382551036476

111519912

1398322360

69049187

13897

144331727425180

83471154719752198242796644722115061531123162

For selecting the right policy with cost efficient andmaximum benefits, Please Call : 098410 01787

Considering the inflation and interestof the savers, there will not be muchchange in RBI Floating Rate SavingsBonds. Hence, you need not havemuch apprehension on ratemovement. It may stay or move up /down to the smaller extent. As such,do not neglect this very attractiveGovt. Guaranteed InvestmentOpportunity.

To know more & invest, Please call younearest ECS FinancialECS FinancialECS FinancialECS FinancialECS Financial /Toll Free: 1800 425 2969 or visitw w w . e c s c o n s u l t a n t s . c o . i n

7.15% p.a.

Payable - H-ly

RBI Floating RateSavings Bonds

- 31st 2020, vol. xii - issue 04 - 1/-, postal regn. no ... · p.o.nsc viii issue(u/s80c) w.e.f....

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