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5 star

ICICI Prudential Regular Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.34 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.28 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 4.69 0.04 0.22 2.00 3.01 5.38 17.88 10.33 10.82 11.03 --
VR MIP TRI 5.45 0.05 0.32 3.17 3.20 6.71 19.83 9.87 9.62 8.97 --
Hybrid: Conservative Hybrid 5.69 0.01 0.24 2.47 3.72 6.57 18.75 8.31 8.75 9.12 --
Rank within category 18 16 21 30 25 22 15 5 3 3 --
Number of funds in category 33 36 36 35 35 33 33 30 30 27 0

As on 15-Jun-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 17.88 10.33 10.82 0.84 3,260
SBI Debt Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 23.61 10.35 9.55 0.63 1,436
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 24.00 12.49 11.31 1.10 582
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 19.65 12.19 10.56 0.61 569
BNP Paribas Conservative Hybrid Fund - Direct Plan
4 star
Jan-13 15.06 9.46 9.88 0.45 411

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 9.77 4.47 1.22 1.28 0.60 2.33
VR MIP TRI 9.52 6.87 0.76 0.89 -- --
Hybrid: Conservative Hybrid 7.90 6.51 0.67 0.79 0.72 -0.17
Rank within category 5 4 3 5 7 5
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 31-May-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 30
Number of Bonds 64
Average Maturity (yrs) 3.21
Top 10 Holdings (%) 28.32
Portfolio P/B Ratio 4.26
Portfolio P/E Ratio 35.77

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 6.64% GOI 16/06/2035 GOI Securities SOV 0.00 - 4.48 4.48
equal 6.77% HDFC 28/06/2021 Non Convertible Debenture AAA 0.00 - 4.20 3.84
equal 9.50% Nayara Energy 29/07/2021 Bonds/NCDs AA 3.08 - 5.97 3.08
equal TMF Holdings 28/03/2022 Zero Coupon Bonds AA- 2.64 - 4.80 2.64
equal 6.58% Gujarat State 31/03/2027 State Development Loan SOV 0.00 - 2.69 2.62
equal 6.18% Gujarat State 31/03/2026 State Development Loan SOV 0.00 - 2.50 2.43
equal 7.19% Uttar Pradesh State 2031 State Development Loan SOV 0.00 - 2.43 2.36
equal 6.17% GOI 15/07/2021 GOI Securities SOV 0.00 - 2.52 2.31
equal 10.50% Prestige Estates Projects 2021 Non Convertible Debenture A+ 2.30 - 4.69 2.30
equal Embassy Office Parks REIT 2022 Non Convertible Debenture AAA 2.27 - 4.22 2.27
equal 9.40% IDBI Bank Additional Tier 1 Bond A 2.14 - 4.33 2.14
equal 7.40% Muthoot Finance 2024 Debenture AA+ 0.00 - 2.07 2.02
equal 2.00% Tata Steel 23/04/2022 Debenture AA 1.60 - 2.97 1.60
equal 7.17% Uttar Pradesh State 2031 State Development Loan SOV 0.00 - 1.62 1.57
equal 6.65% Motherson Sumi Systems 14/09/2023 Non Convertible Debenture AAA 0.00 - 2.37 1.56
equal 9.75% Prism Johnson 21/08/2023 Non Convertible Debenture A+ 0.00 - 1.58 1.54
equal 4.60% National Bank Agr. Rur. Devp 29/07/2024 Debenture AAA 0.00 - 1.66 1.54
equal 6.43% Godrej Industries 26/04/2024 Non Convertible Debenture AA 0.00 - 2.22 1.53
equal 8.75% Axis Bank Additional Tier 1 Bond AA+ 1.40 - 2.82 1.40
equal Tata Value Homes 23/09/2022 Non Convertible Debenture AA 1.38 - 2.85 1.38
equal 7.85% Oberoi Realty 2025 Floating Rate Debenture AA+ 0.00 - 2.24 1.29
equal 7.45% Manappuram Finance 22/12/2023 Non Convertible Debenture AA 0.00 - 1.46 1.25
equal 7.30% Tata Realty and Infrastructure 2023 Debenture AA 0.00 - 1.60 1.25
equal 7.90% SIS 30/03/2023 Non Convertible Debenture AA- 0.00 - 1.27 1.23
equal Tata Motors Finance 27/02/2023 Debenture AA- 0.00 - 1.25 1.23

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 ICICI Bank Financial 24.29 1.70 0.00 1.70
equal Axis Bank Financial 31.98 1.06 0.00 1.01
equal Motherson Sumi Systems Automobile 74.76 1.83 0.50 0.97
equal Avenue Supermarts Services 197.93 1.03 0.43 0.96
equal HDFC Bank Financial 25.83 1.53 0.89 0.94
equal Eicher Motors Automobile 56.09 1.05 0.25 0.89
equal TVS Motor Company Automobile 50.32 0.92 0.41 0.88
equal Reliance Industries Energy 30.97 1.52 0.00 0.84
equal Asian Paints Chemicals 92.94 0.89 0.00 0.73
equal State Bank of India Financial 17.11 0.94 0.36 0.55
equal KNR Constructions Construction 15.67 0.64 0.41 0.50
equal Bajaj Finserv Financial 42.00 0.76 0.34 0.50
equal Hindustan Unilever FMCG 70.27 0.90 0.00 0.47
equal Titan Company Cons Durable 157.26 0.42 0.00 0.42
equal Britannia Inds. FMCG 46.91 0.88 0.41 0.41
equal Bharti Airtel Communication -- 0.48 0.00 0.41
equal HDFC Financial 24.52 0.40 0.00 0.40
equal Tech Mahindra Technology 23.34 0.50 0.00 0.39
equal PVR Services -- 1.40 0.34 0.39
equal HCL Technologies Technology 23.99 0.49 0.00 0.37
equal Cipla Healthcare 32.52 0.51 0.25 0.36
equal Ipca Laboratories Healthcare 22.99 0.61 0.00 0.30
equal Maruti Suzuki India Automobile 49.34 1.32 0.28 0.30
equal The Indian Hotels Company Services -- 0.60 0.00 0.27
equal SBI Cards & Payments Services Financial 102.71 0.26 0.00 0.26

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-May-2021

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:


0.04%

Change from previous, NAV as on 15-Jun-2021

Growth: ₹ 55.9566

IDCW Quarterly: ₹ 14.4604

More

IDCW Monthly: ₹ 16.2542

IDCW Half Yearly: ₹ 16.3770


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 (₹) --
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: ICICI Prudential Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 11.07%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 3,260 Cr (As on 31-May-2021)
Expense: 0.84% (As on 30-Apr-2021)
Risk Grade: Low
Return Grade: High
Turnover: 3.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly31-May-20210.0275

 30-Apr-20210.0829
 31-Mar-20210.0463
 26-Feb-20210.0612
 31-Dec-20200.3009
 27-Nov-20200.4182
 29-Oct-20200.1954
 30-Sep-20200.0534
 28-Aug-20200.2921
 31-Jul-20200.3345
 27-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
IDCW Half Yearly31-Mar-20210.9961

 30-Sep-20201.3650
 26-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
IDCW Quarterly31-Mar-20210.2169

 30-Dec-20200.7551
 29-Sep-20200.5873
 26-Jun-20200.0611
 27-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

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: http://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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Your investment strategy after the debt fund fiasco

DateFriday, 18-Jun-2021
Time12:30 PM - 01:00 PM