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ICICI Prudential Regular Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.22 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.94 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 -1.45 0.24 1.38 1.06 -2.08 -0.87 3.87 6.81 8.58 10.40 --
VR MIP TRI -4.17 0.33 1.74 -0.08 -2.79 -3.59 -0.61 5.36 6.37 7.67 --
Hybrid: Conservative Hybrid -4.14 0.31 1.32 0.43 -4.23 -3.99 -1.37 3.54 6.01 8.01 --
Rank within category 17 20 12 7 16 14 11 4 2 3 --
Number of funds in category 38 38 38 38 38 37 37 35 32 29 0

As on 29-May-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.96 (19-Aug-2013 - 26-Aug-2013) -4.30 (16-Mar-2020 - 23-Mar-2020)
Month 6.37 (07-May-2014 - 06-Jun-2014) -8.85 (20-Feb-2020 - 23-Mar-2020)
Quarter 9.96 (07-Mar-2014 - 06-Jun-2014) -8.07 (20-May-2013 - 19-Aug-2013)
Year 28.94 (30-Jan-2014 - 30-Jan-2015) -0.59 (25-Feb-2015 - 25-Feb-2016)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.77 4.25 0.31 0.31 0.61 0.95
VR MIP TRI 6.05 6.43 0.09 0.10 -- --
Hybrid: Conservative Hybrid 4.43 6.49 -0.11 -0.05 0.85 -1.53
Rank within category 4 6 4 5 6 4
Number of funds in category 34 34 34 34 34 34

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Apr-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 31
Number of Bonds 28
Average Maturity (yrs) 2.84
Top 10 Holdings (%) 53.08
Portfolio P/B Ratio 3.08
Portfolio P/E Ratio 25.11

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 8.37% HUDCO 25/03/2029 Debenture AAA 6.11 - 6.84 6.84
equal 11.95% Aqua Space Developers 27/06/2022 Non Convertible Debenture A 5.77 - 6.33 6.33
equal 9.50% Nayara Energy 29/07/2021 Bonds/NCDs AA 5.72 - 6.15 6.13
equal 8.55% Talwandi Sabo Power 23/04/2021 Debenture AA 5.71 - 6.13 6.13
equal 7.57% GOI 17/06/2033 GOI Securities SOV 0.00 - 9.24 5.18
equal 2.00% Tata Steel 23/04/2022 Debenture AA 4.42 - 4.95 4.87
equal 10.50% Prestige Estates Projects 2021 Non Convertible Debenture A+ 4.26 - 4.66 4.66
equal TMF Holdings 28/03/2022 Zero Coupon Bonds AA- 0.00 - 4.66 4.66
equal 9.40% IDBI Bank Bonds A 3.86 - 4.25 4.25
equal Embassy Office Parks REIT 2022 Non Convertible Debenture AAA 3.64 - 4.04 4.01
down Muthoot Finance 2021 Non Convertible Debenture AA 0.00 - 5.60 3.73
equal Tata Value Homes 23/09/2022 Non Convertible Debenture AA 0.00 - 2.82 2.82
equal 8.75% Axis Bank 28/06/2022 Bonds AA+ 2.61 - 2.73 2.71
equal 10.25% Sikka Ports and Terminals 22/08/2021 Debenture AAA 2.34 - 2.52 2.52
equal 10.55% JMC Projects (I) 21/10/2022 Non Convertible Debenture A+ 0.00 - 2.17 2.17
new 8.80% Bombay Burmah 30/04/2022 Non Convertible Debenture AA 0.00 - 1.58 1.58
new 8.80% Bombay Burmah 30/04/2023 Non Convertible Debenture AA 0.00 - 1.58 1.58
equal SREI Equipment Finance Zero Coupon Bonds AA 0.00 - 2.44 1.58
equal 9.20% ICICI Bank 31/12/2050 Bonds AA+ 1.47 - 1.54 1.54
equal PVR 2021 Debenture AA 0.00 - 1.28 1.28
equal 9.95% Indian Hotels 27/07/2021 Debenture AA 0.89 - 0.96 0.96
equal Embassy Office Parks REIT 2022 Zero Coupon Bonds AAA 0.00 - 0.64 0.63
equal Magma Fincorp 15/11/2022 Zero Coupon Bonds AAA 0.57 - 1.32 0.57
equal 8.40% Power Grid Corporation 27/05/2024 Debenture AAA 0.30 - 0.34 0.34
equal Magma Fincorp Zero Coupon Bonds AAA 0.33 - 0.76 0.33

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 HDFC Bank Financial 19.15 1.60 1.08 1.29
equal ICICI Bank Financial 22.48 1.57 0.00 1.27
equal Reliance Industries Energy 25.18 1.18 0.00 1.18
equal Asian Paints Chemicals 59.48 0.89 0.00 0.89
equal Avenue Supermarts Services 112.81 0.82 0.43 0.82
equal Britannia Inds. FMCG 61.34 1.54 0.62 0.78
equal Motherson Sumi Systems Automobile 21.62 1.86 0.50 0.73
equal Maruti Suzuki India Automobile 29.87 1.96 0.55 0.70
equal Hindustan Unilever FMCG 71.57 0.71 0.00 0.70
equal Interglobe Aviation Services 30.13 0.67 0.00 0.64
equal PVR Services 31.58 1.40 0.63 0.63
equal Eicher Motors Automobile 21.86 0.74 0.00 0.62
equal State Bank of India Financial 10.14 1.16 0.51 0.51
equal Axis Bank Financial 58.35 0.78 0.00 0.50
equal KNR Constructions Construction 9.74 1.33 0.42 0.49
equal Tata Consultancy Services Technology 22.88 0.52 0.00 0.48
equal TVS Motor Co. Automobile 23.17 1.46 0.41 0.47
equal Cipla Healthcare 33.76 0.55 0.25 0.46
equal Bajaj Finserv Financial 20.84 0.96 0.39 0.44
equal Biocon Healthcare 56.89 0.40 0.00 0.40
equal Just Dial Services 9.36 0.40 0.00 0.40
equal ITC FMCG 16.20 0.89 0.36 0.39
equal Indian Hotels Services 22.74 0.60 0.00 0.31
equal Jubilant FoodWorks Services 78.17 0.27 0.00 0.27
equal Ultratech Cement Construction 19.37 0.22 0.00 0.22

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-2020

Fund Manager

— Manish Banthia since 16-Sep-2013

Education: Mr. Banthia is B.Com, CA and MBA

Experience: He is associated with ICICI Prudential Asset Management Company since Oct 2005, ICICI Prudential AMC - Fixed Income Investments - Aug 2007 to Oct 2009, ICICI Prudential AMC - New Product Development - Oct 2005 to Jul 2007, Aditya Birla Nuvo Ltd. - From May 2005 to Oct 2005, Aditya Birla Management Corporation Ltd. - From May 2004 to May 2005.

Funds Managed:

— Rajat Chandak since 18-Feb-2015

Education: Mr. Chandak is a B.Com (H) and MBA.

Experience: He has been associated with ICICI Prudential AMC since 2008.

Funds Managed:


0.24%

Change from previous, NAV as on 29-May-2020

Growth: ₹ 47.1310

Dividend Quarterly: ₹ 13.6417

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Dividend Monthly: ₹ 15.3428

Dividend Half Yearly: ₹ 15.9271


Investment Strategy

The scheme seeks to generate long-term capital appreciation by investments in money market and debt instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 100
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1
Minimum Balance (₹) --
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: ICICI Prudential Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 10.14%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,581 Cr (As on 30-Apr-2020)
Expense: 1.39% (As on 30-Apr-2020)
Risk Grade: Below Average
Return Grade: High
Turnover: 1.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly27-Feb-20200.0434

 30-Jan-20200.0480
 30-Dec-20190.0496
 28-Nov-20190.1390
 29-Oct-20190.1479
 27-Sep-20190.1411
 27-Jun-20190.0446
 29-May-20190.1335
 30-Apr-20190.0507
 28-Mar-20190.2300
 26-Feb-20190.0859
 29-Jan-20190.0493
 28-Dec-20180.0861
 30-Nov-20180.0971
 29-Oct-20180.0472
 28-Sep-20180.0497
 27-Aug-20180.0964
 27-Jul-20180.1396
 27-Jun-20180.0637
 17-May-20180.0127
 26-Apr-20180.0180
 27-Dec-20170.0425
 24-Nov-20170.0632
 31-Jul-20170.0964
 29-Jun-20170.1015
Dividend Quarterly27-Dec-20190.4863

 27-Jun-20190.1979
 28-Mar-20190.2522
 28-Dec-20180.3411
 28-Sep-20180.1571
 28-Jun-20180.1705
 27-Dec-20170.0628
 30-Jun-20170.3303
 31-Mar-20170.4449
 29-Sep-20160.3205
 09-May-20160.3549
 28-Sep-20150.1658
 26-Jun-20150.1151
 26-Mar-20150.0804
 26-Dec-20140.3260
 26-Sep-20140.2318
 26-Jun-20140.3353
 26-Mar-20140.1316
 26-Dec-20130.1887
 24-May-20130.1582
 25-Mar-20130.1025
Dividend Half Yearly26-Sep-20190.2106

 28-Mar-20190.5619
 26-Sep-20180.6632
 27-Sep-20170.4690
 29-Mar-20170.3842
 28-Sep-20160.6161
 28-Mar-20160.2268
 25-Mar-20140.3746
 24-May-20130.3108
 26-Mar-20130.1563

Contact Information

AMC: ICICI Prudential Asset Management Company Ltd

Address: One BKC , A Wing , 13th Floor, Bandra Kurla Complex, Mumbai - 400051

Phone: 022-26525000 / 1800-222-999 / 1800-200-6666

Fax: 022-26528100

Email: [email protected]

Website: www.icicipruamc.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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