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2 star

UTI Regular Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.13 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.87 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 3.30 -0.27 0.31 2.71 4.37 12.42 4.87 4.19 6.73 9.31 --
VR MIP TRI 3.35 -0.44 -0.38 2.02 1.74 9.32 5.70 6.52 7.66 8.76 --
Hybrid: Conservative Hybrid 4.03 -0.25 -0.03 1.70 2.87 10.04 5.78 4.87 7.23 9.27 --
Rank within category 27 22 6 2 4 8 30 25 26 14 --
Number of funds in category 39 39 39 39 39 39 38 36 33 29 0

As on 28-Oct-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 4.87 4.19 6.73 1.15 1,638
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 9.39 7.98 9.62 1.13 2,115
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 5.36 3.80 7.03 1.47 2,331
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.59 2.53 7.44 1.18 1,169
SBI Debt Hybrid Fund - Direct Plan  | Invest Online
3 star
Jan-13 8.03 5.50 7.98 1.20 959

Best & Worst Performance

Best (Period) Worst (Period)
Week 4.34 (24-Mar-2020 - 31-Mar-2020) -5.66 (11-Mar-2020 - 18-Mar-2020)
Month 6.40 (24-Mar-2020 - 23-Apr-2020) -11.55 (20-Feb-2020 - 23-Mar-2020)
Quarter 10.90 (24-Mar-2020 - 23-Jun-2020) -13.35 (23-Dec-2019 - 23-Mar-2020)
Year 26.39 (30-Jan-2014 - 30-Jan-2015) -12.28 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 3.73 6.18 -0.22 -0.22 0.82 -2.51
VR MIP TRI 6.50 6.53 0.22 0.25 -- --
Hybrid: Conservative Hybrid 5.01 7.13 0.07 0.14 0.85 -1.28
Rank within category 29 19 29 29 25 27
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 30-Sep-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 56
Number of Bonds 39
Average Maturity (yrs) 5.47
Top 10 Holdings (%) 43.35
Portfolio P/B Ratio 5.63
Portfolio P/E Ratio 35.93

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 6.45% GOI 2029 GOI Securities SOV 0.00 - 8.56 6.24
equal 7.26% GOI 14/01/2029 GOI Securities SOV 4.18 - 7.67 5.22
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 2.17 - 4.85 4.85
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 0.00 - 4.82 4.82
up 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 4.50 4.50
equal 8.23% IRFC 29/03/2029 Debenture AAA 3.98 - 5.05 4.33
equal Reliance Retail Ltd. 28/06/2021 Securitised Debt AAA 2.50 - 3.85 3.85
up 5.77% GOI 2030 GOI Securities SOV 0.00 - 3.30 3.30
equal 6.92% REC 22/04/2023 Non Convertible Debenture AAA 0.00 - 3.15 3.15
equal 8.65% Bank of Baroda 2022 Debenture AA+ 3.03 - 4.52 3.09
equal 8.78% Cholamandalam Invest. & Fin. 18/06/2027 Non Convertible Debenture AA+ 1.59 - 2.12 2.12
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 1.87 - 2.25 2.09
new 7.24% REC 31/12/2022 Non Convertible Debenture AAA 0.00 - 1.59 1.59
equal 6.22% HDFC 2021 Debenture AAA 0.00 - 1.56 1.56
new 7.42% Union Bank of India 16/09/2030 Debenture AA+ 0.00 - 1.53 1.53
equal 8.75% Edelweiss Retail Finance 22/03/2021 Debenture A+ 0.00 - 1.47 1.47
equal 7.85% Indian Hotels 15/04/2022 Bonds/Debentures AA+ 0.95 - 1.34 1.34
new First Business Receivable Trust Securitised Debt AAA 0.00 - 0.65 1.29
equal 7.20% HDFC 13/04/2023 Non Convertible Debenture AAA 0.00 - 1.27 1.27
equal 6.99% Nat. Highways Authority 28/05/2035 Non Convertible Debenture AAA 0.00 - 1.52 1.21
equal 8.12% NHPC 22/03/2029 Debenture AAA 0.81 - 1.28 1.01
equal 8.11% REC 2025 Bonds AAA 0.00 - 0.98 0.98
equal 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 0.00 - 0.94 0.94
equal 9.30% Indiabulls Housing Finance 29/06/2026 Debenture AA 0.00 - 0.84 0.84
equal 8.00% Yes Bank 30/09/2026 Bonds BB+ 0.00 - 0.90 0.84

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 Bajaj Finance Financial 45.25 2.15 1.22 1.57
equal HDFC Bank Financial 22.12 1.71 1.20 1.45
equal L&T Infotech Technology 30.54 1.19 0.00 1.19
equal Infosys Technology 25.66 1.22 0.78 1.09
equal Tata Consultancy Services Technology 32.24 1.02 0.60 0.99
equal HDFC Financial 15.82 1.25 0.58 0.97
down Kotak Mahindra Bank Financial 34.35 1.25 0.81 0.97
down Info Edge (India) Services -- 1.02 0.46 0.83
down Astral Poly Technik Chemicals 77.21 0.93 0.58 0.79
equal Shree Cement Construction 52.45 0.83 0.53 0.58
equal Avenue Supermarts Services 164.14 0.64 0.00 0.57
equal Endurance Technologies Automobile 38.74 0.56 0.28 0.56
equal Maruti Suzuki India Automobile 53.29 0.76 0.35 0.54
equal Dr. Lal Pathlabs Healthcare 98.48 0.67 0.23 0.54
equal AU Small Finance Bank Financial 28.67 0.86 0.13 0.53
equal Ipca Laboratories Healthcare 32.30 0.52 0.17 0.52
equal Divi's Laboratories Healthcare 51.69 0.62 0.41 0.51
equal PI Industries Chemicals 55.19 0.50 0.28 0.48
equal MindTree Technology 24.94 0.85 0.17 0.48
down Jubilant FoodWorks Services 218.64 0.60 0.35 0.47
equal Torrent Pharmaceuticals Healthcare 35.65 0.53 0.34 0.44
equal Motherson Sumi Systems Automobile -- 0.74 0.24 0.43
equal Eicher Motors Automobile 44.16 0.45 0.29 0.41
down Metropolis Healthcare Healthcare 93.88 0.46 0.00 0.40
down Titan Company Cons Durable 148.31 0.46 0.30 0.39

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-2020

Fund Manager

— Ajay Tyagi since 02-Dec-2014

Education: Mr Tyagi has done CFA Charterholder from The CFA Institute, USA and Masters in Finance from Delhi University.

Experience: He has been working in equity research in UTI since 2000. He has also worked as Assistant Fund Manager in the Offshore Funds division.

Interviews:

Funds Managed:

— Amandeep Singh Chopra since 01-Jan-2013

Education: Mr. Chopra is a B.Sc. from St.Stephen's College and an MBA from FMS, Delhi.

Experience: He has been with associated with UTI AMC for over two decades.

Interviews:

Funds Managed:


-0.27%

Change from previous, NAV as on 28-Oct-2020

Growth: ₹ 44.9571

Monthly Payment: ₹ 44.2259

More

Flexi Dividend: ₹ 36.6652

Dividend Monthly: ₹ 15.3191


Investment Strategy

The scheme seeks to invest predominantly in debt and money market instruments and part of the portfolio into equity/equity related securities with a view to generating income and aim for capital appreciation.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1,000
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 8.84%
Benchmark: CRISIL Short Term Debt Hybrid 75+25 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,638 Cr (As on 30-Sep-2020)
Expense: 1.15% (As on 30-Sep-2020)
Risk Grade: Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly01-Oct-20200.0800

 01-Sep-20200.0800
 31-Jul-20200.0800
 29-Jun-20200.0800
 29-May-20200.0800
 30-Apr-20200.0800
 30-Mar-20200.0576
 28-Feb-20200.0576
 31-Jan-20200.0576
 30-Dec-20190.0576
 29-Nov-20190.0576
 31-Oct-20190.0576
 27-Sep-20190.0576
 30-Aug-20190.0576
 31-Jul-20190.0576
 28-Jun-20190.0576
 31-May-20190.0576
 30-Apr-20190.0576
 28-Mar-20190.0576
 28-Feb-20190.0576
 31-Jan-20190.0576
 28-Dec-20180.0576
 30-Nov-20180.0576
 31-Oct-20180.0576
 27-Sep-20180.0576
Flexi Dividend15-Jul-20200.9000

 19-Dec-20190.6483
 16-Jul-20190.5402
 20-Dec-20180.5402
 11-Jul-20180.5402
 26-Mar-20180.5056
 22-Mar-20170.5778
 28-Mar-20160.4334
 26-Mar-20150.7259

Contact Information

AMC: UTI Asset Management Company Ltd

Address: UTI Tower, 'GN' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022- 66786666 / 66786354 / 1800-22-1230

Fax: 022-26523031

Email: [email protected]

Website: http://www.utimf.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

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dateSaturday, 31-Oct-2020
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