VR Logo

2 star

IDFC Regular Savings Fund - Regular Plan download report


1 Lakh

Investment Grown to
₹ 1.16 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.81 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.

Read more

ajax-loader
Please wait...

ajax-loader
Please wait...

(₹)
cal
cal

ajax-loader
Please wait...

Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
IDFC Regular Savings Reg-G -3.18 -0.09 -0.36 -2.13 -2.31 -3.25 0.97 5.19 5.00 6.09 8.14
VR MIP TRI -3.13 -0.15 -0.41 -2.32 -1.83 -3.57 3.54 7.31 7.76 7.77 9.01
Hybrid: Conservative Hybrid -1.85 -0.15 -0.28 -1.93 -1.01 -1.93 4.00 6.26 5.93 6.77 8.45
Rank within category 26 11 27 22 28 24 29 24 24 21 17
Number of funds in category 35 36 36 36 35 35 34 31 29 28 26

As on 25-May-2022

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  | Invest Online
2 star
Feb-10 0.97 5.19 5.00 2.12% 177
SBI Conservative Hybrid Fund  | Invest Online
4 star
Mar-01 6.67 9.71 7.34 1.10% 5,976
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 5.68 8.51 8.13 1.77% 3,285
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 4.75 8.26 6.66 1.82% 2,711
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
4 star
May-04 6.33 8.17 6.34 1.90% 1,727

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
IDFC Regular Savings Reg-G 6.16 5.31 0.50 0.50 0.74 -1.10
VR MIP TRI 8.58 6.80 0.74 0.90 -- --
Hybrid: Conservative Hybrid 7.31 6.33 0.67 0.73 0.66 0.44
Rank within category 26 14 23 24 18 27
Number of funds in category 31 31 31 31 31 31

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

As on 30-Apr-2022

Asset Allocation (%)

ajax-loader
Please wait...

Concentration & Valuation

Number of Stocks 13
Number of Bonds 15
Average Maturity (yrs) 2.38
Top 10 Holdings (%) 58.28
Portfolio P/B Ratio 3.83
Portfolio P/E Ratio 26.73

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

ajax-loader
Please wait...

Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 24.83 24.66
equal 8.07% Gujarat State 2025 State Development Loan SOV 5.78 - 6.04 5.90
equal 8.15% REC 2022 Non Convertible Debenture AAA 4.72 - 4.99 4.88
equal 8.98% Power Finance Corporation 2024 Bonds AAA 2.92 - 3.07 3.00
equal 8.33% GOI 2026 Central Government Loan SOV 2.96 - 3.08 2.99
equal 7.17% GOI 2028 GOI Securities SOV 2.93 - 3.04 2.96
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 2.81 - 2.96 2.89
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 1.94 - 5.10 1.95
equal 6.79% GOI 15/05/2027 GOI Securities SOV 1.03 - 1.97 1.92
equal 7.28% Power Finance Corporation 2022 Bonds AAA 1.64 - 1.73 1.70
equal 8.28% GOI 21/09/2027 Central Government Loan SOV 1.53 - 4.68 1.54
equal Sundaram Finance 2022 Debenture AAA 1.26 - 1.35 1.35
equal 7.79% LIC Housing Fin. 18/10/2024 Debenture AAA 0.17 - 0.18 0.17
equal 5.50% Britannia Inds. 2024 Non Convertible Debenture AAA 0.00 - 0.00 0.00
equal Others Margin Money -- - 0.00

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

ajax-loader
Please wait...

Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal IDFC Nifty ETF-G Financial -- 7.13
equal Tata Consultancy Services Technology 30.43 1.59 0.43 1.55
equal Reliance Industries Energy 28.71 3.37 1.14 1.43
equal Bajaj Finance Financial 49.19 1.48 0.00 1.36
equal State Bank of India Financial 11.49 1.69 0.00 1.35
equal Infosys Technology 26.87 2.40 0.90 1.35
equal ICICI Bank Financial 19.92 2.55 1.20 1.33
equal Divi's Laboratories Healthcare 30.86 1.48 0.00 1.32
equal HDFC Bank Financial 19.73 3.07 0.96 1.21
equal Maruti Suzuki India Automobile 60.27 1.12 0.25 1.04
equal Hindustan Unilever Consumer Staples 59.95 1.35 0.00 0.95
equal Bharat Forge Automobile 28.71 0.94 0.00 0.94
equal Larsen & Toubro Construction 25.12 1.16 0.00 0.90
equal Ultratech Cement Materials 22.90 1.05 0.15 0.85

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 30-Apr-2022

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:


-0.09%

Change from previous, NAV as on 25-May-2022

Growth: ₹ 25.1754

IDCW Quarterly: ₹ 13.0760

IDCW Monthly: ₹ 13.2559


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

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 100
Min. No of Cheques 6
Min. Withdrawal (₹) 500
Min. 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: 7.83%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 177 Cr (As on 30-Apr-2022)
Expense: 2.12% (As on 31-Mar-2022)
Risk Grade: Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly28-Apr-20220.0396

 25-Mar-20220.0397
 25-Feb-20220.0404
 28-Jan-20220.0407
 28-Dec-20210.0403
 26-Nov-20210.0409
 28-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
IDCW Quarterly25-Mar-20220.1349

 28-Dec-20210.1372
 28-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

Contact Information

AMC: IDFC Asset Management Company Limited

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

Fax: 24215052 / 24215051

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

Upcoming Video

Investors' Hangout

How to lock your profits?

DateFri, 27-May-2022
Time12:30 PM - 12:40 PM

attending You have reserved a spot