06 Nov 19

Portfolio Review & Recommendations

srinivas.pitla89@gmail.com
Your Portfolio HEALTH CHECK | 06 Nov 19

Invested Amount - Commission paid -

srinivas.pitla89@gmail.com ₹ 240000.00 ₹ 3095.27

PAN: AZBPP2123P
Analysis Period Current value - Commission to be paid -

12 Jun 17 to 05 Nov 19 (2 y 4 m) ₹ 268466.00 ₹ 18,790.86

FUND NAME INVESTMENT AMOUNT CURRENT MTM (₹) ABSOLUTE P&L XIRR (2 y 4 m)
(₹)

Aditya Birla Sun Life Tax Relief'96 Fund- (ELSS U/S 80C of IT ₹ 80000.00 ₹ 86,233.43 6233.43 5.83%
ACT) - Growth-Regular Plan

Axis Long Term Equity Fund - Growth ₹ 90000.00 ₹ 1,11,478.11 21,478.11 17.87%

DSP Tax Saver Fund - Regular Plan - Growth ₹ 40000.00 ₹ 45,350.92 5350.92 8.29%

RELIANCE TAX SAVER (ELSS) FUND - GROWTH PLAN - ₹ 30000.00 ₹ 25,403.25 -4596.75 -9.10%
GROWTH OPTION

Total ₹ 240000.00 ₹ 2,68,465.71 28,465.71 8.21%

*
 Total Commission Saved
Savings Due to ORO ₹0
FUND NAME SAVINGS (%) COMMISSION SAVED (₹)
Total -- 0
 Current Asset Allocation Focused Benchmark Categorisation

EQUITY 100.00% | DEBT 0.00% EQUITY 100.00% | DEBT 0.00%

*Rest of the assets: All assets shown in graph above

 Company-wise fund allocation Sector-wise fund allocation

*Rest Of the Companies: Honeywell Automation India Ltd 2.77: 2.77%, ICICI Bank Ltd 2.73: 2.73%, Larsen & Toubro Ltd 2.57: 2.57%, Gillette India Ltd 2.18: 2.18%, Avenue Supermarts Ltd 2.11: 2.11%, Bayer CropScience Ltd 1.98: 1.98%, Pfizer Ltd 1.95:
1.95%, Torrent Power Ltd 1.74: 1.74%, Info Edge (India) Ltd 1.63: 1.63%, TTK Prestige Ltd 1.52: 1.52%, Infosys Ltd 1.50: 1.50%, GRUH Finance Ltd 1.45: 1.45%, Glaxosmithkline Pharmaceuticals Ltd 1.44: 1.44%, Thomas Cook (India) Ltd 1.40: 1.40%,
Axis Bank Ltd 1.36: 1.36%, State Bank of India 1.17: 1.17%, Sundaram Clayton Ltd 1.14: 1.14%, Sundaram Finance Ltd 1.12: 1.12%, Nestle India Ltd 1.09: 1.09%, Shoppers Stop Ltd 1.01: 1.01%, WABCO India Ltd 0.95: 0.95%, Eicher Motors Ltd 0.93: 0.93%
**Rest of the Sectors: CONSUMER NON DURABLES 3.39: 3.39: %, Consumer Non Durables 2.80: 2.80: %, PETROLEUM PRODUCTS 2.51: 2.51: %, Consumer Durables 2.48: 2.48: %, INDUSTRIAL CAPITAL GOODS 2.36: 2.36: %, FINANCE 2.33: 2.33:
%, Pharmaceuticals 2.19: 2.19: %, Power 2.14: 2.14: %, Retailing 2.13: 2.13: %, Industrial Capital Goods 2.09: 2.09: %, AUTO ANCILLARIES 2.08: 2.08: %, Industrial Products 2.05: 2.05: %, PESTICIDES 1.98: 1.98: %, CONSUMER DURABLES 1.63: 1.63:
%, Construction Project 1.56: 1.56: %, Petroleum Products 1.50: 1.50: %, SERVICES 1.40: 1.40: %, Cement 1.11: 1.11: %, CONSTRUCTION PROJECT 1.10: 1.10: %, CEMENT 1.03: 1.03: %, Ferrous Metals 1.02: 1.02: %, RETAILING 1.01: 1.01: %
Return Analysis
XIRR Analysis

XIRR Analysis: 2y 4m
8.21%
 Current MTM Amount Today

Switch Analysis ₹ 2,68,465.71 ₹ --

FUND NAME CURRENT MTM CURRENT SWITCH TODAY AT NO COST COMMISSION FUTURE
(₹) UNITS TO PAY TILL SWITCH DATE
SWITCH DATE
Units Amount (₹)

Aditya Birla Sun Life Tax Relief'96 Fund- (elss U/s 80c Of It Act) ₹ 86,233.43 2705.79 -- -- ₹ 2064.90 11 Oct 21
- Growth-regular Plan

Axis Long Term Equity Fund - Growth ₹ 1,11,478.11 2276.10 -- -- ₹ 2113.60 12 Oct 21

DSP Tax Saver Fund - Regular Plan - Growth ₹ 45,350.92 887.56 -- -- ₹ 1015.24 12 Oct 21

RELIANCE Tax Saver (elss) Fund - Growth Plan - Growth Option ₹ 25,403.25 465.04 -- -- ₹ 163.44 07 Feb 21

Total ₹ 2,68,465.71 -- ₹ 5357.17

 Commission Paid Till Date Comission to be paid

Commission Analysis ₹ ₹ 3095.27 ₹ ₹ 18,790.86

FUND NAME COMMISSION PAID TILL ACTUAL COMMISSION PAID(%) COMMISSION TO BE PAID(₹)
DATE(₹)

RELIANCE LOW DURATION FUND - GROWTH PLAN GROWTH ₹ 52.53 0.31% --

OPTION

Aditya Birla Sun Life Tax Relief'96 Fund- (ELSS U/S 80C of IT ACT) - ₹ 1142.29 1.05% ₹ 7112.92
Growth-Regular Plan

Axis Long Term Equity Fund - Growth ₹ 1065.00 0.83% ₹ 7268.60

DSP Tax Saver Fund - Regular Plan - Growth ₹ 629.83 0.98% ₹ 3491.36

RELIANCE LIQUID FUND - GROWTH PLAN - GROWTH OPTION ₹ 0.57 0.08% --

RELIANCE TAX SAVER (ELSS) FUND - GROWTH PLAN - GROWTH ₹ 205.05 0.46% ₹ 917.97
OPTION

Total ₹ 3095.27 ₹ 18,790.86

 Our Recommendations

FUND NAME RECOMMENDATION

Total (units) Total ₹(amount) Top Pick (units)** Hold (units) Sell (units)

Aditya Birla Sun Life Tax

Relief'96 Fund- (ELSS U/S
80C of IT ACT) - Growth-
Regular Plan

-> Folio #1036765044 2705.787 ₹ 80000.00 - 2705.787 -

Axis Long Term Equity

Fund - Growth

-> Folio #91037566425 2276.104 ₹ 90000.00 - 2276.104 -

DSP Tax Saver Fund -

Regular Plan - Growth

-> Folio #5188217/66 887.563 ₹ 40000.00 - 887.563 -

RELIANCE TAX SAVER

(ELSS) FUND - GROWTH
PLAN - GROWTH
OPTION

-> Folio #499189551666 465.043 ₹ 30000.00 - 465.043 -

**Top Pick: These are Orowealth's Top performing Mutual funds and we suggest that you hold on to them to enjoy high returns
 Markets in Charts

Market Performance (YTD)

Fund Flow
3.5% 40000
5.0% 1.5% 30000
20000
-5.0% -1.0% -2.1% 10000
0

Aug-18

Aug-19
Jan-18

Mar-18
Apr-18

Jun-18

Oct-18

Jun-19
Feb-18

May-18

Jul-18

Sep-18

Nov-18

Jan-19

Mar-19
Feb-19

May-19

Jul-19
Dec-18

Apr-19
-10000
-15.0% -12.8% -20000
-14.8%
-30000
-40000
Nifty Sensex BSE Small BSE Midcap BSE 200 BSE 500
Cap DII FII

Sector Performance (YTD)

15.0%
10.9%
1.48% 1.0% 0.3%

-6.3% -4.1% -5.5%

-10.0% -9.0%
-24.1% -25.4% -27.4%

Nifty Auto Banks Commodities Consumption Energy FMCG Infrastructure IT Media Metal Pharma Realty

Data as on August 2019

Weak macros haunts equity markets

Manufacturing activity loosing steam

GDP slowing down 54.3
54.5 54 53.9
8.1 54
8.0
7.0 53.5 53.2
6.6
5.8 53 52.6 52.7
52.5
5.0 52.5 52.1
51.8
52
51.5
51
50.5
Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19

Manufacturing PMI

Lower consumption sentiments Lower corporate earning growth (S&P 200 ex Financials)
10 7.1 35%
5
-2.2 30% 30%
0 -5.2 -4.2
Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 -6.7
May-19 Jun-19 Jul-19
-5 -0.4 -1.9 -1.1 25%
-3.4 -3 -11.7 24%
-10 21%
-17.3 -16.4 -16.8 20%
-15
-20 15%
-17.1 -17.5
-25 -20.5 12%
10% 10%
-30
5% 6%
-35 -31
2 Wheeler sales Car Sales 0%
Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20
Sales Growth (YoY)
Source : MOSPI, CEIC, Research Reports
Slew of Government measures should boost
economy

Tax Reforms
Liquidity Measures
Rollback of enhanced surcharge
Transfer of 1.76 tn from RBI
Withdrawal of Angel Tax provisions
Release of 70,000 crs to PSU banks
Approach faceless scrutiny
Credit support of 30,000 crs to Housing Finance Companies
Simplification in GST

Credit Uptick Boosting Demand

12 PSU Banks merged into 6 strong and well capitalized
PSU to link new loans to external benchmark (Repo linked)
banks
BS IV vehicles to be operational for registration period
Co-origination with NBFC
Deferment of registration fees on vehicles
PSL loans base increase

Source : Finance Ministry Presentation

Market Commentary

• August 2019 provided no respite to equity market investors. Even after announcement of measures by the
government to arrest the downfall, no big respite was provided to the markets
• US-China trade war has kept the markets on edge. While tariff impose was making headline regularly,
depreciation CNY overnight gave jitters to the equity markets, leading to fresh selloff in the markets
• FIIs are constantly pulling the money out of equity markets
• On the domestic front, key macros indicators are showing signs of slowdown which was echoed by many
industry leaders over the past several weeks
• While GDP growth slides to 5%, much lower than the street expectation of 5.5% to 5.7%, it was also lower
than the RBI estimate of 5.8%, which was the lower end of the range
• Lower consumer sentiments is weighing on lower auto sale numbers, production cuts, lack of consumption
demand etc.
• The government has tried to cheer the markets with some big bang announcements like reversal of
enhanced surcharge on FPI, upfront recapitalization of PSU banks, merger of PSU banks etc.
• The earning seasons starting next month will provide some directions to the markets along with some
further growth measures that will be announced by the government over the week.
Disclaimer
This presentation is not for distribution, nor does it constitute an offer for sale. It Neither the Company nor any of its respective affiliates, advisors or
is meant for discussion purposes only. This presentation and its contents are representatives shall have any liability whatsoever (in negligence or
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These forward-looking statements speak only as at the date of this presentation.
The Company cautions you that forward-looking statements are not guarantees
of future performance and that its actual financial position, business strategy,
plans and objectives of management for future operations may differ materially
from those made in or suggested by the forward-looking statements contained in
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strategy, plans and objectives of management for future operations are
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The information and opinions contained in this document are provided as at the
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