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2 star

Navi Regular Savings Fund download report

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.14 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.82 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
Navi Regular Savings-G -1.12 0.27 0.72 -1.64 -0.64 -0.89 2.76 4.54 4.51 5.61 7.01
VR MIP TRI -2.76 0.39 1.03 -2.54 -1.45 -2.08 3.94 7.45 7.77 7.86 9.04
Hybrid: Conservative Hybrid -1.60 0.25 0.49 -1.97 -0.74 -1.13 4.36 6.41 5.94 6.86 8.48
Rank within category 12 8 5 11 12 12 19 27 25 25 24
Number of funds in category 34 35 35 35 34 34 33 30 28 27 26

As on 26-May-2022

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 2.76 4.54 4.51 2.30% 28
SBI Conservative Hybrid Fund  | Invest Online
4 star
 Mar-01 6.89 9.77 7.30 1.10% 5,976
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 6.03 8.62 8.15 1.77% 3,285
HDFC Hybrid Debt Fund  | Invest Online
4 star
 Dec-03 5.12 8.38 6.67 1.82% 2,711
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
4 star
 May-04 6.56 8.24 6.20 1.90% 1,727

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
Navi Regular Savings-G 5.25 4.91 0.35 0.32 0.66 -1.63
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 28 9 26 28 13 29
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 (%)

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Concentration & Valuation

Number of Stocks 18
Number of Bonds 7
Average Maturity (yrs) 1.10
Top 10 Holdings (%) 75.78
Portfolio P/B Ratio 3.14
Portfolio P/E Ratio 24.59

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 - 17.61 17.61
equal Reserve Bank of India 182-D 18/08/2022 Treasury Bills SOV 0.00 - 17.40 17.40
equal HDFC 29/05/2026 Debenture AAA 0.00 - 10.65 10.61
new Ujjivan Small Finance Bank 19/07/2022 Certificate of Deposit A1+ 0.00 - 6.97 6.97
equal 7.60% Muthoot Finance 20/04/2026 Debenture AA+ 5.45 - 6.17 6.17
equal 6.19% LIC Housing Fin. 25/11/2024 Debenture AAA 3.17 - 3.51 3.50
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
equal Reliance Industries Energy 28.84 4.05 0.00 3.93
equal ICICI Bank Financial 20.19 4.75 0.66 3.93
equal India Grid Trust Capital Goods -- 5.89 2.91 3.56
equal Bharti Airtel Communication 95.89 2.13 0.00 2.10
equal HDFC Bank Financial 19.95 2.89 1.51 1.71
equal Axis Bank Financial 14.87 1.69 0.00 1.63
equal HCL Technologies Technology 19.72 1.23 0.37 1.07
equal Gujarat State Petronet Energy 9.08 1.12 0.00 1.02
up Jubilant FoodWorks Services 74.89 1.10 0.00 0.83
equal Tata Consumer Products Consumer Staples 71.10 0.57 0.00 0.57
equal Max Financial Services Financial 104.20 0.75 0.00 0.56
equal Cyient Technology 15.85 0.51 0.00 0.47
equal Avenue Supermarts Services 157.11 0.46 0.00 0.41
equal Ambuja Cements Materials 29.10 0.29 0.00 0.28
equal Petronet LNG Energy 9.59 0.41 0.00 0.20
equal Zydus Lifesciences Healthcare 8.51 0.39 0.00 0.19
down Escorts Automobile 28.83 0.57 0.00 0.14
equal PI Industries Chemicals 46.92 0.33 0.00 0.12
equal Bharti Airtel Ltd. PPE Communication -- 0.07

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

— Aditya Mulki since 11-Mar-2022

Education: Mr. Mulki is a CFA and B.COM

Experience: Prior to joining Navi Mutual Fund, he has worked for close to 6 years at Quantum Advisor Ltd as an Equity Research Analyst.

Funds Managed:

— Surbhi Sharma since 01-Feb-2022

Education: Ms. Sharma is PGDM Finance & Company Secretary (ICSI)

Experience: Prior to joining Navi, she has worked with DCB Bank Ltd and has 6 years of post qualification experience as company secretary in Financial Services sector.

Funds Managed:

0.27%

Change from previous, NAV as on 26-May-2022

Growth: ₹ 21.8593

IDCW Quarterly: ₹ 13.4440

IDCW Monthly: ₹ 10.8322

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

Min. Investment (₹) 1,000
Min. Addl Investment (₹) 100
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 1,000
Min. 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: 6.83%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 28 Cr (As on 30-Apr-2022)
Expense: 2.30% (As on 30-Apr-2022)
Risk Grade: Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly29-Apr-20220.0184

 30-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
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 Ltd.

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

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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