VR Logo

2 star

UTI Regular Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.35 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.49 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.

Read more

ajax-loader
Please wait...

ajax-loader
Please wait...

(₹)
cal
cal

ajax-loader
Please wait...

Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 14.81 0.34 1.06 4.42 8.99 13.50 23.68 10.49 9.04 9.78 --
VR MIP TRI 12.22 0.41 1.09 1.93 6.71 11.14 19.55 12.08 9.89 9.47 --
Hybrid: Conservative Hybrid 11.31 0.20 0.70 1.63 4.77 9.38 17.33 10.34 8.34 9.25 --
Rank within category 6 2 6 2 2 5 6 16 10 9 --
Number of funds in category 33 36 36 36 36 35 33 30 30 28 0

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)
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 23.68 10.49 9.04 1.23 1,655
SBI Debt Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 22.30 13.43 9.37 0.58 4,122
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 15.67 12.09 10.42 0.75 3,380
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 23.30 15.56 10.87 0.54 1,050
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 17.47 14.08 10.26 0.61 896

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 29.58 23-Mar-2020 - 23-Mar-2021 -12.28 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.67 6.86 0.83 0.94 0.86 -0.22
VR MIP TRI 10.89 6.85 1.01 1.24 -- --
Hybrid: Conservative Hybrid 9.63 6.32 1.05 1.19 0.68 0.98
Rank within category 16 23 24 19 27 25
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 (%)

ajax-loader
Please wait...

Concentration & Valuation

Number of Stocks 53
Number of Bonds 38
Average Maturity (yrs) * 5.85
Top 10 Holdings (%) 36.50
Portfolio P/B Ratio 7.80
Portfolio P/E Ratio 46.54

Value Research Equity Fund Style

Value Research Debt Fund Style*

Credit Rating vis-à-vis Category

ajax-loader
Please wait...

Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 6.45% GOI 2029 GOI Securities SOV 6.12 - 6.38 6.12
equal 7.26% GOI 14/01/2029 GOI Securities SOV 5.13 - 5.35 5.13
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 4.73 4.62
equal 8.20% GOI 15/02/2022 Central Government Loan SOV 0.00 - 7.00 3.69
down 7.09% Food Corporation of India 13/08/2031 Non Convertible Debenture AAA 0.00 - 4.66 3.05
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 3.10 3.02
equal 8.21% West Bengal State 24/06/2025 State Development Loan SOV 0.00 - 3.04 2.95
equal 6.19% GOI 16/09/2034 GOI Securities SOV 2.90 - 4.62 2.90
equal 8.65% Bank of Baroda Additional Tier 1 Bond AA+ 2.80 - 3.19 2.81
equal 8.78% Cholamandalam Investment & Finance Company 18/06/2027 Non Convertible Debenture AA+ 2.15 - 2.28 2.21
equal 8.00% Yes Bank 30/09/2026 Bonds BBB 0.00 - 1.77 1.72
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 1.58 - 4.99 1.59
equal 7.24% REC 31/12/2022 Non Convertible Debenture AAA 1.56 - 1.62 1.56
equal 7.42% Union Bank of India Additional Tier 2 Bond AA+ 1.53 - 1.59 1.54
equal 6.09% Power Finance Corporation 27/08/2026 Non Convertible Debenture AAA 0.00 - 1.55 1.52
equal 7.15% Tata Motors Finance 25/06/2024 Non Convertible Debenture AA- 0.00 - 1.55 1.52
new 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 1.51 1.51
equal 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 1.55 1.51
equal Shriram Transport Finance Company 16/06/2023 Non Convertible Debenture AA+ 0.00 - 1.56 1.51
equal 4.79% Hindustan Petroleum Corporation 23/10/2023 Debenture AAA 1.51 - 1.56 1.51
new 6.72% India Grid Trust 14/09/2026 Non Convertible Debenture AAA 0.00 - 1.51 1.51
equal 4.23% HDFC 18/02/2022 Debenture AAA 0.00 - 1.55 1.51
new 6.67% GOI 15/12/2035 GOI Securities SOV 0.00 - 1.50 1.50
equal 5.77% GOI 2030 GOI Securities SOV 1.47 - 3.06 1.47
equal First Business Receivable Trust Securitised Debt AAA 0.64 - 0.71 1.37

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

ajax-loader
Please wait...

Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
down Bajaj Finance Financial 106.37 2.15 1.22 1.77
down HDFC Bank Financial 28.44 1.71 1.25 1.56
equal Infosys Technology 34.54 1.43 0.78 1.34
down L&T Infotech Technology 52.99 1.49 0.51 1.33
equal Kotak Mahindra Bank Financial 40.21 1.27 0.81 1.19
down HDFC Financial 25.18 1.25 0.76 1.09
down MindTree Technology 55.80 1.26 0.17 1.04
down Avenue Supermarts Services 298.97 0.92 0.00 0.89
down Info Edge (India) Services 61.35 1.02 0.60 0.86
down Tata Consultancy Services Technology 36.52 1.02 0.64 0.64
down Motherson Sumi Systems Automobile 36.38 0.71 0.24 0.58
equal AU Small Finance Bank Financial 31.87 0.86 0.25 0.57
equal Shree Cement Construction 39.06 0.83 0.50 0.54
down Jubilant FoodWorks Services 155.14 0.59 0.35 0.50
equal Maruti Suzuki India Automobile 44.09 0.57 0.35 0.50
down Divi's Laboratories Healthcare 69.73 0.63 0.43 0.47
down Havells India Engineering 75.91 0.49 0.26 0.44
equal Titan Company Consumer Durable 177.22 0.46 0.34 0.44
down Crompton Greaves Consumer Electricals Consumer Durable 46.71 0.49 0.15 0.42
equal Marico FMCG 65.32 0.40 0.26 0.39
equal Berger Paints India Chemicals 96.48 0.54 0.22 0.38
equal Torrent Pharmaceuticals Healthcare 42.01 0.53 0.29 0.37
down Pidilite Industries Chemicals 95.18 0.46 0.24 0.36
equal Ajanta Pharma Healthcare 28.13 0.38 0.16 0.34
down PI Industries Chemicals 64.41 0.50 0.28 0.34

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

*As on 31-Aug-2021

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 UTI AMC since 1994 beginning with Investment Research and then moving into the area of Fund Management. Prior to this, he had an experience of 2 years of working with Aaina Exports Ltd and Stenay Ltd. He serves on the Executive Investment Committee (EIC), Valuation Committee and the Management Committee of UTI AMC Ltd. He is also a member of the Valuation Committee of the Association of Mutual Funds in India (AMFI).

Interviews:

Funds Managed:


0.34%

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

Growth: ₹ 55.4218

Monthly Payment: ₹ 54.5189

More

IDCW Monthly: ₹ 17.8101

Flexi IDCW: ₹ 42.7359


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
Lock-in Period Not Applicable
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: 10.44%
Benchmark: CRISIL Short Term Debt Hybrid 75+25 Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,655 Cr (As on 30-Sep-2021)
Expense: 1.23% (As on 31-Aug-2021)
Risk Grade: Above Average
Return Grade: Below Average
Turnover: 2.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly01-Oct-20210.0800

 01-Sep-20210.0800
 02-Aug-20210.0800
 01-Jul-20210.0800
 01-Jun-20210.0800
 03-May-20210.0800
 05-Apr-20210.0800
 01-Mar-20210.0800
 01-Feb-20210.0800
 01-Jan-20210.0800
 01-Dec-20200.0800
 02-Nov-20200.0800
 01-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
Flexi IDCW22-Jul-20211.2000

 16-Dec-20201.0000
 15-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

Last Session

Investors' Hangout

Webinar: All about MF Central

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

Registration Over