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3 star

IDFC Regular Savings Fund - Regular Plan

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.26 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.07 Lakh

Suitability:

"Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, 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 per cent of the value of your investment every year."

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 are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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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 5.55 -0.52 -0.98 -1.30 0.98 3.82 7.71 7.90 6.39 7.26 9.12
VR MIP TRI 10.02 -1.13 -1.62 -2.31 2.09 6.15 13.28 10.70 9.41 8.59 9.83
Hybrid: Conservative Hybrid 9.64 -0.54 -0.67 -0.50 2.42 5.53 11.96 8.56 7.02 7.64 9.06
Rank within category 29 15 30 33 31 27 28 22 21 20 12
Number of funds in category 33 36 36 36 36 35 33 30 30 28 27

As on 26-Nov-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
IDFC Regular Savings Fund - Regular Plan
3 star
 Feb-10 7.71 7.90 6.39 2.12% 180
SBI Debt Hybrid Fund  | Invest Online
4 star
 Mar-01 16.79 12.28 8.24 1.10% 4,369
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 11.36 10.54 9.33 1.73% 3,384
HDFC Hybrid Debt Fund  | Invest Online
4 star
 Dec-03 16.22 10.59 7.65 1.86% 2,676
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
 Dec-03 16.13 13.25 9.28 1.90% 1,160

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.42 24-Mar-2020 - 31-Mar-2020 -5.84 11-Mar-2020 - 18-Mar-2020
Month 6.53 23-Mar-2020 - 22-Apr-2020 -11.46 20-Feb-2020 - 23-Mar-2020
Quarter 10.13 23-Mar-2020 - 22-Jun-2020 -9.57 23-Dec-2019 - 23-Mar-2020
Year 23.58 13-Feb-2014 - 13-Feb-2015 -4.10 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 8.37 5.31 0.85 0.92 0.74 -1.01
VR MIP TRI 11.27 6.77 1.09 1.33 -- --
Hybrid: Conservative Hybrid 8.86 6.30 0.92 1.05 0.68 -0.05
Rank within category 23 12 19 17 17 24
Number of funds in category 30 30 30 30 30 30

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

As on 31-Oct-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 13
Number of Bonds 18
Average Maturity (yrs) 2.82
Top 10 Holdings (%) 60.02
Portfolio P/B Ratio 4.08
Portfolio P/E Ratio 31.84

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 5.63% GOI 2026 GOI Securities SOV 0.00 - 24.83 24.83
equal 8.07% Gujarat State 2025 State Development Loan SOV 5.93 - 6.40 5.96
equal 8.15% REC 2022 Non Convertible Debenture AAA 4.85 - 5.26 4.88
equal 7.90% National Bank Agr. Rur. Devp 18/04/2022 Non Convertible Debenture AAA 3.14 - 3.41 3.16
equal 8.33% GOI 2026 Central Government Loan SOV 3.03 - 3.28 3.05
equal 7.17% GOI 2028 GOI Securities SOV 0.00 - 3.04 3.01
equal 8.98% Power Finance Corporation 2024 Bonds AAA 0.00 - 3.22 3.01
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 2.88 - 3.14 2.90
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 0.00 - 5.10 2.00
equal 6.79% GOI 15/05/2027 GOI Securities SOV 0.00 - 1.97 1.95
equal 7.28% Power Finance Corporation 2022 Bonds AAA 1.68 - 1.82 1.69
equal 8.28% GOI 21/09/2027 Central Government Loan SOV 0.00 - 4.68 1.58
equal Sundaram Finance 2022 Debenture AAA 1.26 - 1.31 1.30
equal 8.81% SIDBI 25/01/2022 Debenture AAA 0.73 - 0.79 0.73
equal 8.69% LIC Housing Fin. 19/04/2022 Zero Coupon Bonds AAA 0.56 - 0.61 0.57
equal 7.79% LIC Housing Fin. 18/10/2024 Debenture AAA 0.17 - 0.19 0.17
equal 5.50% Britannia Inds. 2024 Non Convertible Debenture AAA 0.00 - 0.00 0.00
equal Others Margin Money -- - 0.06

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
equal IDFC Nifty ETF-G Financial -- 7.22
up State Bank of India Financial 14.65 1.69 0.00 1.69
equal ICICI Bank Financial 23.61 2.55 1.20 1.56
up Divi's Laboratories Healthcare 61.32 1.48 0.00 1.48
up Bajaj Finance Financial 82.53 1.48 0.00 1.48
up Tata Consultancy Services Technology 34.84 1.47 0.39 1.47
up Infosys Technology 34.03 2.40 0.90 1.47
up HDFC Bank Financial 24.13 3.07 0.96 1.45
equal Reliance Industries Energy 31.22 3.37 1.14 1.41
up Ultratech Cement Construction 33.50 1.05 0.00 1.05
up Hindustan Unilever FMCG 65.30 1.35 0.00 1.00
up Larsen & Toubro Construction 28.52 1.16 0.00 0.98
up Maruti Suzuki India Automobile 51.58 0.79 0.00 0.77
up Bharat Forge Automobile 76.82 0.73 0.00 0.73
new Bharti Airtel Ltd. PPE Communication -- 0.01

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-Oct-2021

Fund Manager

— Harshal Joshi since 28-Jul-2021

Education: Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai

Experience: Prior to joining IDFC Mutual fund in 2008 he has worked with ICAP India Pvt. Ltd.

Funds Managed:

— 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:

-0.52%

Change from previous, NAV as on 26-Nov-2021

Growth: ₹ 25.8855

IDCW Quarterly: ₹ 13.7165

IDCW Monthly: ₹ 13.8713

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
Lock-in Period Not Applicable
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: 8.42%
Benchmark: Nifty AAA Short Duration Bond (85), S&P BSE 200 TRI (15)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 180 Cr (As on 31-Oct-2021)
Expense: 2.12% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly28-Oct-20210.0412

 28-Sep-20210.0410
 26-Aug-20210.0403
 28-Jun-20210.0399
 28-May-20210.0338
 22-Apr-20210.0336
 26-Mar-20210.0337
 26-Feb-20210.0338
 28-Jan-20210.0340
 28-Dec-20200.0335
 25-Nov-20200.0331
 28-Oct-20200.0328
 28-Sep-20200.0322
 28-Aug-20200.0325
 28-Jul-20200.0323
 26-Jun-20200.0316
 28-May-20200.0307
 28-Apr-20200.0307
 24-Mar-20200.0431
 28-Feb-20200.0393
 28-Jan-20200.0311
 27-Dec-20190.0311
 28-Nov-20190.0390
 30-Oct-20190.0387
 27-Sep-20190.0348
IDCW Quarterly28-Sep-20210.1395

 28-Jun-20210.1359
 26-Mar-20210.1343
 24-Dec-20200.1340
 28-Sep-20200.1303
 26-Jun-20200.1572
 24-Mar-20200.1833
 27-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

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: http://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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