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IDFC Regular Savings Fund - Regular Plan


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

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
up HDFC Bank Financial 25.03 2.41 0.49 2.06
equal Reliance Industries Energy 20.70 2.24 0.50 1.88
up HDFC Financial 18.27 1.68 0.00 1.68
up Infosys Technology 20.80 2.00 0.48 1.37
up ICICI Bank Financial 36.24 2.24 0.00 1.34
equal Bajaj Finance Financial 53.25 0.88 0.00 0.88
up Tata Consultancy Services Technology 24.96 1.37 0.00 0.88
down Fine Organic Industries Chemicals 43.37 0.80 0.00 0.80
up Bharti Airtel Communication -- 0.77 0.00 0.77
up Kotak Mahindra Bank Financial 36.73 1.27 0.49 0.74
equal Larsen & Toubro Construction 17.85 1.16 0.00 0.69
equal ITC FMCG 16.55 1.52 0.00 0.67
equal Axis Bank Financial 42.95 1.92 0.00 0.66
equal Hindustan Unilever FMCG 71.03 1.35 0.00 0.54
up Ipca Laboratories Healthcare 29.12 0.53 0.00 0.53
equal Aditya Birla Fashion and Retail Services 104.68 0.53 0.00 0.53
up Jubilant FoodWorks Services 74.59 0.51 0.00 0.51
new Multi Commodity Exchange India Financial 29.32 0.50 0.00 0.50
up State Bank of India Financial 24.82 1.17 0.00 0.45
up Maruti Suzuki India Automobile 31.33 1.38 0.00 0.37
equal GSK Consumer Healthcare FMCG 35.00 0.59 0.00 0.36
up Bajaj Auto Automobile 16.21 0.32 0.00 0.32
new JK Cement Construction 23.57 0.31 0.00 0.31
new DFM Foods FMCG 41.65 0.28 0.00 0.28
new Prince Pipes & Fittings Chemicals 23.46 0.27 0.00 0.27

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-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


Investment Strategy

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

Investment Details

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

Basic Details

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: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly28-Jan-20200.0311

 27-Dec-20190.0311
 28-Nov-20190.0390
 30-Oct-20190.0387
 27-Sep-20190.0348
 29-Aug-20190.0189
 30-Jul-20190.0114
 27-Jun-20190.0457
 30-May-20190.0457
 26-Apr-20190.0455
 28-Mar-20190.0455
 27-Feb-20190.0449
 30-Jan-20190.0452
 28-Dec-20180.0452
 29-Nov-20180.0447
 30-Oct-20180.0443
 27-Sep-20180.0450
 30-Aug-20180.0458
 30-Jul-20180.0455
 28-Jun-20180.0454
 30-May-20180.0454
 26-Apr-20180.0459
 26-Mar-20180.0459
 27-Feb-20180.0385
 30-Jan-20180.0477
Dividend Quarterly27-Dec-20190.1427

 27-Sep-20190.0463
 27-Jun-20190.1400
 27-Mar-20190.1394
 27-Dec-20180.1387
 26-Sep-20180.1387
 26-Jun-20180.1391
 26-Mar-20180.1412
 21-Dec-20170.1447
 21-Sep-20170.1733
 27-Jun-20170.1950
 22-Mar-20170.1878
 22-Dec-20160.1950
 22-Sep-20160.1950
 23-Jun-20160.1878
 22-Mar-20160.0217
 21-Dec-20150.0433
 24-Sep-20150.1083
 23-Mar-20150.3813
 18-Dec-20140.2105
 19-Sep-20140.2182
 20-Jun-20140.2104
 21-Mar-20140.1559
 20-Dec-20130.1559
 25-Sep-20130.1559

Contact Information

AMC: IDFC Asset Management Company Limited

Address: Unit No. 27, Ground Floor, Khetan Bhavan,198, Jamshedji Tata Road, Churchgate, Mumbai - 400020

Phone: 022-24398777 / 24399999 / 66289999

Fax: 24215052 / 24215051

Email: [email protected]

Website: www.idfcmf.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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dateFriday, 28-Feb-2020
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