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3 star

IDFC Regular Savings Fund - Regular Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.15 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.91 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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(₹)
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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 2.56 0.62 0.16 1.97 5.93 1.65 6.73 4.64 6.41 8.61 8.28
VR MIP TRI 0.99 -0.09 -0.35 2.81 5.30 1.26 5.12 6.19 7.24 8.87 7.98
Hybrid: Conservative Hybrid 0.37 0.36 0.15 1.74 6.77 -0.38 4.15 3.49 5.79 8.27 7.50
Rank within category 14 3 14 7 18 12 12 13 12 13 4
Number of funds in category 31 31 31 31 31 31 30 30 27 25 25

As on 04-Aug-2020

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 6.73 4.64 6.41 2.27 177
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 7.98 6.44 8.50 1.96 1,597
HDFC Hybrid Debt Fund  | Invest Online
2 star
Dec-03 3.83 2.99 6.13 1.87 2,344
UTI Regular Savings Fund - Regular Plan  | Invest Online
2 star
Dec-03 1.73 2.62 5.57 1.78 1,673
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
2 star
May-04 0.24 0.60 5.54 1.98 1,198

Best & Worst Performance

Best (Period) Worst (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 4.64 5.49 -0.10 -0.11 0.80 -1.39
VR MIP TRI 6.24 6.56 0.16 0.18 -- --
Hybrid: Conservative Hybrid 3.79 7.10 -0.15 -0.11 0.84 -2.29
Rank within category 17 14 17 17 22 18
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-Jul-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 32
Number of Bonds 15
Average Maturity (yrs) 3.05
Top 10 Holdings (%) 60.09
Portfolio P/B Ratio 3.39
Portfolio P/E Ratio 25.47

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
new 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 18.38 18.38
equal 7.27% GOI 2026 GOI Securities SOV 0.00 - 21.48 12.31
new 8.07% Gujarat State 2025 State Development Loan SOV 0.00 - 6.21 6.21
down 8.15% REC 2022 Non Convertible Debenture AAA 5.06 - 5.82 5.10
new 6.99% HDFC 25/11/2021 Non Convertible Debenture AAA 0.00 - 3.48 3.48
equal 7.90% National Bank Agr. Rur. Devp 18/04/2022 Non Convertible Debenture AAA 0.00 - 3.37 3.34
equal 8.33% GOI 2026 Central Government Loan SOV 0.00 - 3.23 3.20
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 0.00 - 3.66 3.05
equal 7.28% Power Finance Corp. 2022 Bonds AAA 0.00 - 1.76 1.76
equal Sundaram Finance 2022 Debenture AAA 0.00 - 12.27 1.21
equal 7.67% LIC Housing Fin. 29/07/2021 Bonds AAA 0.75 - 0.89 0.87
equal 8.81% SIDBI 25/01/2022 Debenture AAA 0.00 - 0.79 0.78
equal 8.69% LIC Housing Fin. 19/04/2022 Zero Coupon Bonds AAA 0.51 - 0.60 0.60
equal 7.79% LIC Housing Fin. 18/10/2024 Debenture AAA 0.00 - 0.18 0.18

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
down Reliance Industries Energy 34.24 2.80 0.50 2.80
equal HDFC Bank Financial 20.09 2.41 0.49 2.22
up Bharti Airtel Communication -- 1.86 0.00 1.86
equal ICICI Bank Financial 22.35 2.24 0.00 1.76
equal HDFC Financial 14.06 1.73 0.00 1.57
down Infosys Technology 23.76 2.00 0.48 1.37
equal Hindustan Unilever FMCG 75.34 1.35 0.00 1.10
down Tata Consultancy Services Technology 27.04 1.37 0.00 0.90
equal Kotak Mahindra Bank Financial 30.77 1.64 0.49 0.87
up Ultratech Cement Construction 21.67 0.82 0.00 0.82
equal Ipca Laboratories Healthcare 41.41 0.80 0.00 0.80
equal Fine Organic Industries Chemicals 45.64 0.83 0.00 0.76
up Maruti Suzuki India Automobile 47.65 1.38 0.00 0.65
equal Larsen & Toubro Construction 15.48 1.16 0.00 0.64
new Aurobindo Pharma Healthcare 17.88 0.70 0.00 0.52
equal Axis Bank Financial 71.57 1.92 0.00 0.51
equal Dr. Reddy's Lab Healthcare 39.63 0.49 0.00 0.46
equal Bajaj Finance Financial 38.76 0.97 0.00 0.44
equal Divi's Laboratories Healthcare 51.89 0.47 0.00 0.44
up Mahindra & Mahindra Automobile 589.65 0.67 0.00 0.43
equal Asian Paints Chemicals 72.50 0.45 0.00 0.42
equal DFM Foods FMCG 36.57 0.39 0.00 0.33
equal Bajaj Auto Automobile 18.70 0.39 0.00 0.33
equal Nestle India FMCG 76.85 1.18 0.00 0.32
equal Voltas Cons Durable 39.08 0.75 0.00 0.31

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-Jun-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:


0.62%

Change from previous, NAV as on 04-Aug-2020

Growth: ₹ 23.1863

Dividend Quarterly: ₹ 12.9187

Dividend Monthly: ₹ 12.9265


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: 8.38%
Benchmark: Nifty AAA Short Duration Bond (85), S&P BSE 200 TRI (15)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 177 Cr (As on 30-Jun-2020)
Expense: 2.27% (As on 30-Jun-2020)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly28-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
 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
Dividend Quarterly26-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
 23-Mar-20150.3813
 18-Dec-20140.2105
 19-Sep-20140.2182
 20-Jun-20140.2104
 21-Mar-20140.1559

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: 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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