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2 star

Navi Regular Savings Fund


1 Lakh

Investment Grown to
₹ 1.23 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.05 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 6.97 0.15 0.80 1.23 3.69 6.63 10.51 7.20 5.84 6.82 7.68
VR MIP TRI 12.22 0.41 1.09 1.93 6.71 11.14 19.55 12.08 9.89 9.47 9.88
Hybrid: Conservative Hybrid 10.45 0.20 0.68 1.55 4.52 8.85 16.17 9.36 7.34 8.28 9.06
Rank within category 26 28 14 19 25 27 29 27 26 25 22
Number of funds in category 33 36 36 36 36 35 33 30 30 28 26

As on 14-Oct-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Navi Regular Savings Fund
2 star
Jul-10 10.51 7.20 5.84 2.35 31
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 21.56 12.75 8.54 1.10 4,122
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 14.62 11.28 9.56 1.72 3,380
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 23.27 11.76 8.39 1.87 2,661
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 21.75 14.20 9.52 1.95 1,050

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 2.43 24-Mar-2020 - 31-Mar-2020 -4.45 16-Mar-2020 - 23-Mar-2020
Month 4.90 24-Mar-2020 - 23-Apr-2020 -9.60 20-Feb-2020 - 23-Mar-2020
Quarter 8.35 24-Mar-2020 - 23-Jun-2020 -8.33 23-Dec-2019 - 23-Mar-2020
Year 16.79 23-Mar-2020 - 23-Mar-2021 -3.66 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.72 4.92 0.56 0.53 0.66 -1.83
VR MIP TRI 10.89 6.85 1.01 1.24 -- --
Hybrid: Conservative Hybrid 8.72 6.31 0.88 1.01 0.68 0.08
Rank within category 27 9 26 26 13 27
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 30-Sep-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 19
Number of Bonds 6
Average Maturity (yrs) * --
Top 10 Holdings (%) 49.53
Portfolio P/B Ratio 3.53
Portfolio P/E Ratio 34.08

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 Reserve Bank of India 364-D 05/05/2022 Treasury Bills SOV 0.00 - 15.58 15.58
equal 7.60% Muthoot Finance 20/04/2026 Debenture AA+ 0.00 - 5.63 5.63
equal Arka Fincap 90-D 25/10/2021 Commercial Paper A1+ 0.00 - 4.75 4.75
equal 6.19% LIC Housing Fin. 25/11/2024 Debenture AAA 0.00 - 3.23 3.23
new Northern ARC Capital 91-D 17/12/2021 Commercial Paper A1+ 0.00 - 3.13 3.13
equal Britannia Inds. 28/08/2022 Non Convertible Debenture AAA 0.00 - 0.00 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

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
down India Grid Trust Engineering -- 5.89 0.00 5.00
equal ICICI Bank Financial 25.20 4.25 0.66 4.15
equal Reliance Industries Energy 37.90 4.02 0.00 4.02
equal HDFC Bank Financial 28.44 2.89 1.51 2.27
equal Bharti Airtel Communication 356.33 1.77 0.00 1.77
equal Axis Bank Financial 29.10 1.59 0.00 1.55
equal HCL Technologies Technology 29.43 1.15 0.37 1.15
equal Jubilant FoodWorks Services 155.14 1.10 0.00 1.10
equal Max Financial Services Financial 107.84 0.75 0.00 0.68
equal Kotak Mahindra Bank Financial 40.21 1.46 0.46 0.53
equal AIA Engineering Metals 30.40 0.68 0.00 0.53
equal Tata Consumer Products FMCG 109.54 0.54 0.00 0.51
equal Escorts Automobile 21.39 0.46 0.00 0.42
equal Avenue Supermarts Services 298.97 0.40 0.00 0.40
equal Ambuja Cements Construction 25.53 0.29 0.00 0.28
equal Sumitomo Chemical India Chemicals 56.38 0.24 0.00 0.23
equal Petronet LNG Energy 11.14 0.41 0.00 0.21
equal PI Industries Chemicals 64.41 0.33 0.00 0.13
equal Aurobindo Pharma Healthcare 8.00 0.40 0.00 0.12
new Bharti Airtel Ltd. Rights Communication -- 0.03

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-Sep-2021

Fund Manager

— Saravana Kumar since 21-Apr-2020

Education: Mr. Kumar has an Engineering degree in Electronics & Telecommunications. He is an MBA (Finance) from IIM Bangalore & is a CAIIB.

Experience: Prior to joining Navi Mutual Fund he has worked with LIC Mutual Fund, he had been Head of Investments at Trust Investment Advisors Pvt. Ltd.(Oct'13-April'15), CIO at AIA Life Insurance Co. Ltd.(Oct'09-Sept'13) , Dy. GM at ICICI Bank Ltd.(Mar'03-Sept'09) & Fund Manager at SBI(2001-2003).

Interviews:

Funds Managed:


0.15%

Change from previous, NAV as on 14-Oct-2021

Growth: ₹ 22.3171

IDCW Quarterly: ₹ 13.7255

IDCW Monthly: ₹ 11.0775


Investment Strategy

To generate regular income through a portfolio of predominantly high quality fixed income securities and with a marginal exposure to equity and equity related instruments.

Investment Details

Minimum Investment (₹) 1,000
Minimum Addl Investment (₹) 100
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1
Lock-in Period Not Applicable
Exit Load For units in excess of 15% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Navi Mutual Fund
Launch Date: 29-Jul-2010
Return Since Launch: 7.42%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 31 Cr (As on 30-Sep-2021)
Expense: 2.35% (As on 31-Jul-2021)
Risk Grade: Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly30-Jul-20210.0539

 28-May-20210.0534
 26-Mar-20210.0532
 26-Feb-20210.0540
 29-Jan-20210.0533
 31-Jul-20200.0510
 28-Feb-20200.0370
 31-Jan-20200.0372
 27-Dec-20190.0371
 29-Nov-20190.0373
 25-Oct-20190.0369
 27-Sep-20190.0370
 30-Aug-20190.0365
 26-Jul-20190.0365
 28-Jun-20190.0370
 31-May-20190.0372
 26-Apr-20190.0370
 29-Mar-20190.0370
 28-Dec-20180.0364
 30-Nov-20180.0364
 31-Aug-20180.0367
 27-Jul-20180.0365
 29-Jun-20180.0301
 25-May-20180.0546
 27-Apr-20180.0552
IDCW Quarterly22-Mar-20180.1624

 02-Nov-20170.1658
 02-May-20170.1634
 20-Feb-20170.1862
 26-Oct-20160.1875
 20-Jun-20160.1811
 28-Mar-20160.1786
 05-Nov-20150.1837
 25-Aug-20150.1857
 05-May-20150.1806
 22-Jan-20150.1815
 21-Oct-20140.2178
 05-May-20140.1636
 31-Jan-20140.1636
 30-Sep-20130.1636
 03-May-20130.1839
 04-Feb-20130.1850
 02-Nov-20120.1586
 23-Jul-20120.1586
 30-Apr-20120.1321
 22-Mar-20120.1586
 31-Oct-20110.0793
 21-Jul-20110.1659
 03-Nov-20100.1924

Contact Information

AMC: Navi AMC Limited

Address: Peerless Mansion, 3rd Floor, 1 Chowringhee Square, Kolkata - 700069

Phone: 033-40185000 / 1800-103-8999

Fax: 033-40185010

Email: [email protected]

Website: http://www.navimutualfund.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

Last Session

Investors' Hangout

Webinar: All about MF Central

DateThursday, 14-Oct-2021
Time12:30 PM - 01:00 PM

Registration Over