IDFC Regular Savings Fund - Regular Plan

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Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to

₹ 1.20 Lakh

₹ 10000

Monthly SIP Grown to

₹ 3.98 Lakh

Analyst's Choice?

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three years.

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
No tax is to be paid as long as you continue to hold the units.

Dividends

Dividends paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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Annual Returns

Quarterly Returns

Monthly Returns

Weekly Returns

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Amount (₹)

Start date

End date

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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	1.84	-0.08	-0.11	1.07	1.63	5.79	9.70	6.28	6.94	8.53	--
VR MIP TRI	0.30	-0.62	-0.42	-0.18	1.43	5.26	9.66	8.35	7.30	8.85	--
Hybrid: Conservative Hybrid	1.10	-0.10	-0.14	0.24	1.30	5.39	7.67	6.02	6.62	8.57	--
Rank within category	14	18	18	8	21	17	16	18	10	14	--
Number of funds in category	38	38	38	38	37	37	35	35	32	30	25

As on 25-Feb-2020

Best & Worst Performance

	Best (Period)	Worst (Period)
Week	2.91 (19-Aug-2013 - 26-Aug-2013)	-3.35 (12-Aug-2013 - 19-Aug-2013)
Month	5.87 (20-Aug-2013 - 19-Sep-2013)	-5.39 (19-Jul-2013 - 19-Aug-2013)
Quarter	8.11 (11-Mar-2014 - 10-Jun-2014)	-7.27 (20-May-2013 - 19-Aug-2013)
Year	23.58 (13-Feb-2014 - 13-Feb-2015)	-1.44 (26-Oct-2017 - 26-Oct-2018)

Risk Measures (%)

	Mean	Std Dev	Sharpe	Sortino	Beta	Alpha
Fund	5.78	3.16	0.03	0.06	0.69	-1.59
VR MIP TRI	8.13	4.10	0.60	0.95	--	--
Hybrid: Conservative Hybrid	5.80	4.21	0.08	0.18	0.75	-1.72
Rank within category	19	12	19	19	16	17
Number of funds in category	36	36	36	36	36	36

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

As on 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks	43
Number of Bonds	12
Average Maturity (yrs)	3.75
Top 10 Holdings (%)	68.89
Portfolio P/B Ratio	4.11
Portfolio P/E Ratio	28.24

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
7.32% GOI 28/01/2024	GOI Securities	SOV	0.00 - 15.59	15.59
Sundaram Finance 2022	Debenture	AAA	0.00 - 10.66	10.65
7.27% GOI 2026	GOI Securities	SOV	0.00 - 10.39	10.39
8.80% HDFC 18/06/2020	Debenture	AAA	7.62 - 10.64	7.62
7.65% Axis Bank 30/01/2027	Non Convertible Debenture	AAA	0.00 - 7.55	7.55
8.30% IRFC 25/03/2029	Debenture	AAA	0.00 - 5.52	5.26
8.15% REC 2022	Non Convertible Debenture	AAA	0.00 - 5.34	5.16
7.87% Larsen & Toubro 18/04/2022	Non Convertible Debenture	AAA	0.00 - 5.26	2.73
7.67% LIC Housing Fin. 29/07/2021	Bonds	AAA	0.75 - 0.89	0.76
Bajaj Finance 28/04/2020	Debenture	AAA	0.56 - 0.63	0.62
8.69% LIC Housing Fin. 19/04/2022	Zero Coupon Bonds	AAA	0.00 - 0.54	0.52

Indicates an increase or decrease or no change in holding since last portfolio
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
HDFC Bank	Financial	25.03	2.41	0.49	2.06
Reliance Industries	Energy	20.70	2.24	0.50	1.88
HDFC	Financial	18.27	1.68	0.00	1.68
Infosys	Technology	20.80	2.00	0.48	1.37
ICICI Bank	Financial	36.24	2.24	0.00	1.34
Bajaj Finance	Financial	53.25	0.88	0.00	0.88
Tata Consultancy Services	Technology	24.96	1.37	0.00	0.88
Fine Organic Industries	Chemicals	43.37	0.80	0.00	0.80
Bharti Airtel	Communication	--	0.77	0.00	0.77
Kotak Mahindra Bank	Financial	36.73	1.27	0.49	0.74
Larsen & Toubro	Construction	17.85	1.16	0.00	0.69
ITC	FMCG	16.55	1.52	0.00	0.67
Axis Bank	Financial	42.95	1.92	0.00	0.66
Hindustan Unilever	FMCG	71.03	1.35	0.00	0.54
Ipca Laboratories	Healthcare	29.12	0.53	0.00	0.53
Aditya Birla Fashion and Retail	Services	104.68	0.53	0.00	0.53
Jubilant FoodWorks	Services	74.59	0.51	0.00	0.51
Multi Commodity Exchange India	Financial	29.32	0.50	0.00	0.50
State Bank of India	Financial	24.82	1.17	0.00	0.45
Maruti Suzuki India	Automobile	31.33	1.38	0.00	0.37
GSK Consumer Healthcare	FMCG	35.00	0.59	0.00	0.36
Bajaj Auto	Automobile	16.21	0.32	0.00	0.32
JK Cement	Construction	23.57	0.31	0.00	0.31
DFM Foods	FMCG	41.65	0.28	0.00	0.28
Prince Pipes & Fittings	Chemicals	23.46	0.27	0.00	0.27

Indicates an increase or decrease or no change in holding since last portfolio
Indicates a new holding since last portfolio

As on 31-Jan-2020

Fund Manager

— Sumit Agrawal since 20-Oct-2016

Education: Mr.Agrawal is a B.Com, ACS, CFA (USA)and PGDM (Finance).

Experience: Prior to joining IDFC AMC he was associated with Mirae Asset Mutual Fund (Nov 2010-Sep 2016) as Fund Manager-Equities, Axis Capital (erstwhile ENAM Securities) (Feb 2008-Nov 2010) as VP-Research Analyst and JP Morgan India Services Pvt. Ltd. (Jun 2006-Feb 2008) as TL-Investment Banking.

Funds Managed:

— Anurag Mittal since 09-Nov-2015

Education: Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.

Experience: Prior to joining IDFC AMC, he worked with HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).

Funds Managed:

-0.08%

Change from previous, NAV as on 25-Feb-2020

Growth: ₹ 23.0247

Dividend Quarterly: ₹ 13.2689

Dividend Monthly: ₹ 13.0860

The Scheme seeks to generate regular returns through investment predominantly in debt instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme's total assets in equity

Minimum Investment (₹)	5,000
Minimum Addl Investment (₹)	1,000
Minimum SIP Investment (₹)	100
Minimum No of Cheques	6
Minimum Withdrawal (₹)	500
Minimum Balance (₹)	500

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

Exit Load

For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Fund House:	IDFC Mutual Fund
Launch Date:	25-Feb-2010
Return Since Launch:	8.69%
Benchmark:	Nifty AAA Short Duration Bond (85), S&P BSE 200 TRI (15)
Riskometer:	Moderately High
Type:	Open-ended
Assets:	₹ 199 Cr (As on 31-Jan-2020)
Expense:	2.23% (As on 31-Jan-2020)
Risk Grade:	Average
Return Grade:	Average
Turnover:	--

Plan

Record Date

Dividend (₹ / Unit)

Dividend Monthly

28-Jan-2020

0.0311

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	27-Dec-2019	0.0311
	28-Nov-2019	0.0390
	30-Oct-2019	0.0387
	27-Sep-2019	0.0348
	29-Aug-2019	0.0189
	30-Jul-2019	0.0114
	27-Jun-2019	0.0457
	30-May-2019	0.0457
	26-Apr-2019	0.0455
	28-Mar-2019	0.0455
	27-Feb-2019	0.0449
	30-Jan-2019	0.0452
	28-Dec-2018	0.0452
	29-Nov-2018	0.0447
	30-Oct-2018	0.0443
	27-Sep-2018	0.0450
	30-Aug-2018	0.0458
	30-Jul-2018	0.0455
	28-Jun-2018	0.0454
	30-May-2018	0.0454
	26-Apr-2018	0.0459
	26-Mar-2018	0.0459
	27-Feb-2018	0.0385
	30-Jan-2018	0.0477

Dividend Quarterly

27-Dec-2019

0.1427

More...

	27-Sep-2019	0.0463
	27-Jun-2019	0.1400
	27-Mar-2019	0.1394
	27-Dec-2018	0.1387
	26-Sep-2018	0.1387
	26-Jun-2018	0.1391
	26-Mar-2018	0.1412
	21-Dec-2017	0.1447
	21-Sep-2017	0.1733
	27-Jun-2017	0.1950
	22-Mar-2017	0.1878
	22-Dec-2016	0.1950
	22-Sep-2016	0.1950
	23-Jun-2016	0.1878
	22-Mar-2016	0.0217
	21-Dec-2015	0.0433
	24-Sep-2015	0.1083
	23-Mar-2015	0.3813
	18-Dec-2014	0.2105
	19-Sep-2014	0.2182
	20-Jun-2014	0.2104
	21-Mar-2014	0.1559
	20-Dec-2013	0.1559
	25-Sep-2013	0.1559

Fund News - 11-Nov-2019

Benchmark change in schemes of IDFC Mutual Fund
Fund News - 23-Jan-2019

Change in Minimum Investment Amount for SIP in Schemes of IDFC Mutual Fund
Fund News - 23-Apr-2018

Three Schemes of IDFC Mutual Fund gets Renamed
Fund News - 23-Aug-2017

Load Change in IDFC Monthly Income Plan
Fund News - 20-Oct-2016

Change in fund manager of IDFC MF schemes

IDFC Regular Savings Fund - Regular Plan

₹ 1.10 Lakh

₹ 1.20 Lakh

₹ 1.40 Lakh

₹ 1.77 Lakh

₹ 1.26 Lakh

₹ 3.98 Lakh

₹ 7.15 Lakh

₹ 11.10 Lakh

Trailing Returns (%)

Best & Worst Performance

Risk Measures (%)

Asset Allocation (%)

Concentration & Valuation

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

Top Debt Holdings

Sector Allocation vis-à-vis Category

Top Equity Holdings

Fund Manager

-0.08%

Investment Strategy

Investment Details

Basic Details

Most Recent Dividends

News & Analysis

Contact Information

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