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UTI Regular Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.16 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.73 Lakh

Analyst's Choice?

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three years.

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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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 -2.45 -0.24 0.02 -1.02 -1.52 1.14 1.18 5.09 6.45 9.06 --
VR MIP TRI 0.93 0.29 -0.01 0.62 1.79 5.47 10.56 8.63 7.38 8.89 --
Hybrid: Conservative Hybrid 1.35 -0.35 -0.16 0.43 1.99 5.95 8.86 7.01 7.58 9.46 --
Rank within category 38 14 6 37 37 37 34 31 30 17 --
Number of funds in category 39 39 39 39 38 38 36 36 32 26 0

As on 24-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.39 (03-Sep-2013 - 10-Sep-2013) -3.87 (03-Jun-2019 - 10-Jun-2019)
Month 5.40 (07-May-2014 - 06-Jun-2014) -4.38 (19-Jul-2013 - 19-Aug-2013)
Quarter 9.15 (07-Apr-2014 - 07-Jul-2014) -6.66 (20-May-2013 - 19-Aug-2013)
Year 26.39 (30-Jan-2014 - 30-Jan-2015) -1.18 (23-Aug-2018 - 23-Aug-2019)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.58 4.22 -0.02 -0.02 0.75 -1.94
VR MIP TRI 8.13 4.10 0.60 0.95 -- --
Hybrid: Conservative Hybrid 6.70 4.22 0.31 0.54 0.75 -0.82
Rank within category 29 21 29 29 20 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 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 55
Number of Bonds 45
Average Maturity (yrs) 5.44
Top 10 Holdings (%) 38.53
Portfolio P/B Ratio 5.80
Portfolio P/E Ratio 34.33

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
up 6.45% GOI 2029 GOI Securities SOV 0.00 - 6.30 6.30
down 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 9.91 4.18
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 1.96 - 4.08 4.08
equal 8.41% HUDCO 15/03/2029 Debenture AAA 0.00 - 4.06 4.06
down 8.23% IRFC 29/03/2029 Debenture AAA 0.00 - 5.05 3.98
equal 8.65% Bank of Baroda 2022 Debenture AA+ 2.82 - 3.84 3.84
new National Bank Agr. Rur. Devp Non Convertible Debenture AAA 0.00 - 3.82 3.82
equal Reliance Retail Ltd. 28/06/2021 Securitised Debt AAA 2.10 - 3.03 3.03
equal State Bank of India 2056 Debenture AA+ 1.97 - 2.66 2.66
equal 8.04% Vodafone Idea 27/01/2022 Debenture BBB+ 0.00 - 5.57 2.58
equal 8.95% Punjab National Bank Bonds A 0.00 - 2.98 2.53
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 1.70 - 2.25 2.25
equal 8.78% Cholamandalam Invest. & Fin. 18/06/2027 Non Convertible Debenture AA+ 1.43 - 1.93 1.93
down 8.37% HUDCO 25/03/2029 Debenture AAA 0.00 - 2.62 1.62
equal 7.95% Sikka Ports and Terminals 28/10/2026 Debenture AAA 1.08 - 1.49 1.49
equal 8.35% IRFC 13/03/2029 Debenture AAA 0.00 - 2.20 1.34
equal 8.36% Nat. Highways Authority 20/05/2029 Debenture AAA 0.00 - 1.33 1.33
equal 8.05% HDFC 22/10/2029 Non Convertible Debenture AAA 0.00 - 1.30 1.30
equal 8.88% Export-Import Bank 18/10/2022 Bonds AAA 0.95 - 1.28 1.28
down 6.99% HDFC 25/11/2021 Non Convertible Debenture AAA 0.00 - 1.93 1.27
equal 7.32% NTPC 17/07/2029 Non Convertible Debenture AAA 0.00 - 1.65 1.27
equal 8.75% Edelweiss Retail Finance 22/03/2021 Debenture AA- 0.00 - 1.16 1.16
equal 7.85% Indian Hotels 15/04/2022 Bonds/Debentures AA+ 0.78 - 1.13 1.13
down 8.00% Yes Bank 30/09/2026 Bonds A 0.00 - 1.30 1.10
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 0.78 - 1.04 1.04

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 Bajaj Finance Financial 53.25 2.27 1.44 1.90
down HDFC Bank Financial 25.03 1.71 1.20 1.46
down HDFC Financial 18.27 1.23 0.58 1.15
down Kotak Mahindra Bank Financial 36.73 1.25 0.81 1.12
down L&T Infotech Technology 23.52 1.01 0.00 0.96
down Info Edge (India) Services -- 1.02 0.32 0.90
down Infosys Technology 20.80 1.22 0.82 0.85
down Tata Consultancy Services Technology 24.96 1.02 0.58 0.80
down Indusind Bank Financial 17.77 1.68 0.79 0.79
down AU Small Finance Bank Financial 52.46 0.78 0.00 0.78
down Astral Poly Technik Chemicals 68.75 0.93 0.38 0.76
down Shree Cement Construction 63.42 0.84 0.53 0.73
down Dr. Lal Pathlabs Healthcare 57.21 0.67 0.11 0.56
equal Maruti Suzuki India Automobile 31.33 0.76 0.38 0.49
down Divi's Laboratories Healthcare 44.25 0.62 0.23 0.48
down Jubilant FoodWorks Services 74.59 0.60 0.21 0.45
down Motherson Sumi Systems Automobile 26.39 0.74 0.37 0.44
down Berger Paints India Chemicals 83.00 0.54 0.00 0.41
down PI Industries Chemicals 45.08 0.50 0.28 0.41
equal Nestle India FMCG 80.12 0.47 0.12 0.40
down Ipca Laboratories Healthcare 29.12 0.42 0.14 0.39
down Endurance Technologies Automobile 22.96 0.45 0.22 0.39
down City Union Bank Financial 21.61 0.44 0.00 0.39
down Eicher Motors Automobile 23.14 0.45 0.29 0.39
down Grindwell Norton Metals 36.28 0.39 0.21 0.37

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 31-Jan-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.

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:


-0.24%

Change from previous, NAV as on 24-Feb-2020

Growth: ₹ 42.4516

Monthly Payment: ₹ 41.7601

More

Flexi Dividend: ₹ 35.5152

Dividend Monthly: ₹ 15.1136


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 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,964 Cr (As on 31-Jan-2020)
Expense: 1.10% (As on 31-Jan-2020)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly31-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
 31-Aug-20180.0576
 31-Jul-20180.0576
 28-Jun-20180.0576
 31-May-20180.0576
 27-Apr-20180.0576
 27-Mar-20180.0578
 28-Feb-20180.0578
 31-Jan-20180.0578
Flexi Dividend19-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: 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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dateFriday, 28-Feb-2020
time12:30 PM - 01:00 PM