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3 star

Navi Regular Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.25 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.07 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 7.64 -0.19 0.23 -0.34 0.75 3.85 9.13 7.86 7.31 7.99 --
VR MIP TRI 10.44 -0.46 0.39 -1.10 0.55 5.28 13.12 10.42 9.54 8.53 --
Hybrid: Conservative Hybrid 10.94 -0.15 0.27 -0.02 1.64 5.64 12.90 9.43 8.11 8.47 --
Rank within category 27 24 19 25 28 30 28 26 24 21 --
Number of funds in category 33 36 36 36 36 36 33 30 30 28 0

As on 03-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Navi Regular Savings Fund - Direct Plan
3 star
Jan-13 9.13 7.86 7.31 0.38% 31
SBI Debt Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 16.58 12.85 9.16 0.58% 4,369
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 12.00 11.19 10.24 0.84% 3,384
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 16.83 14.46 10.74 0.48% 1,160
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 12.83 12.79 10.06 0.61% 959

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 2.45 24-Mar-2020 - 31-Mar-2020 -4.43 16-Mar-2020 - 23-Mar-2020
Month 5.03 24-Mar-2020 - 23-Apr-2020 -9.53 20-Feb-2020 - 23-Mar-2020
Quarter 8.79 24-Mar-2020 - 23-Jun-2020 -8.08 23-Dec-2019 - 23-Mar-2020
Year 18.89 23-Mar-2020 - 23-Mar-2021 -2.53 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.69 4.99 0.78 0.73 0.69 -0.39
VR MIP TRI 10.03 6.79 0.92 1.13 -- --
Hybrid: Conservative Hybrid 9.20 6.30 0.99 1.15 0.68 1.19
Rank within category 26 10 23 25 15 27
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-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 18
Number of Bonds 9
Average Maturity (yrs) 1.25
Top 10 Holdings (%) 68.24
Portfolio P/B Ratio 3.47
Portfolio P/E Ratio 32.41

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 Reserve Bank of India 364-D 05/05/2022 Treasury Bills SOV 0.00 - 15.61 15.61
new HDFC 29/05/2026 Debenture AAA 0.00 - 9.78 9.78
new Reserve Bank of India 182-D 18/02/2022 Treasury Bills SOV 0.00 - 9.44 9.44
new National Bank Agr. Rur. Devp 90-D 12/01/2022 Commercial Paper A1+ 0.00 - 6.32 6.32
new Birla Group Holdings 91-D 27/01/2022 Commercial Paper A1+ 0.00 - 6.29 6.29
equal 7.60% Muthoot Finance 20/04/2026 Debenture AA+ 0.00 - 5.64 5.64
equal 6.19% LIC Housing Fin. 25/11/2024 Debenture AAA 0.00 - 3.23 3.21
equal Northern ARC Capital 91-D 17/12/2021 Commercial Paper A1+ 0.00 - 3.15 3.15
equal Britannia Inds. 28/08/2022 Non Convertible Debenture AAA 0.00 - 0.00 0.00

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 23.44 4.75 0.66 4.75
equal Reliance Industries Energy 31.17 4.05 0.00 4.05
down India Grid Trust Engineering -- 5.89 0.00 3.06
equal HDFC Bank Financial 24.50 2.89 1.51 2.25
equal Bharti Airtel Communication 139.49 1.77 0.00 1.76
equal Axis Bank Financial 20.63 1.59 0.00 1.50
equal HCL Technologies Technology 27.55 1.15 0.37 1.02
equal Jubilant FoodWorks Services 119.64 1.10 0.00 1.01
equal Max Financial Services Financial 111.89 0.75 0.00 0.65
equal Kotak Mahindra Bank Financial 38.01 1.46 0.46 0.54
equal AIA Engineering Metals 29.85 0.68 0.00 0.52
equal Tata Consumer Products FMCG 98.73 0.54 0.00 0.51
equal Escorts Automobile 27.75 0.46 0.00 0.45
equal Avenue Supermarts Services 226.32 0.44 0.00 0.44
equal Ambuja Cements Construction 23.22 0.29 0.00 0.28
new Cadila Healthcare Healthcare 9.83 0.39 0.00 0.24
equal Petronet LNG Energy 11.08 0.41 0.00 0.20
equal PI Industries Chemicals 55.38 0.33 0.00 0.12
new Bharti Airtel Ltd. PPE Communication -- 0.03

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-Oct-2021

Fund Manager

— Saravana Kumar since 21-Apr-2020

Education: Mr. Kumar has an Engineering degree in Electronics & Telecommunications. He is an MBA (Finance) from IIM Bangalore & is a CAIIB.

Experience: Prior to joining Navi Mutual Fund he has worked with LIC Mutual Fund, he had been Head of Investments at Trust Investment Advisors Pvt. Ltd.(Oct'13-April'15), CIO at AIA Life Insurance Co. Ltd.(Oct'09-Sept'13) , Dy. GM at ICICI Bank Ltd.(Mar'03-Sept'09) & Fund Manager at SBI(2001-2003).

Interviews:

Funds Managed:


-0.19%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 25.3172

IDCW Quarterly: ₹ 15.4252

IDCW Monthly: ₹ 11.4880


Investment Strategy

To generate regular income through a portfolio of predominantly high quality fixed income securities and with a marginal exposure to equity and equity related instruments.

Investment Details

Minimum Investment (₹) 1,000
Minimum Addl Investment (₹) 100
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1
Lock-in Period Not Applicable
Exit Load For units in excess of 15% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Navi Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 8.78%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 31 Cr (As on 31-Oct-2021)
Expense: 0.38% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly27-Aug-20210.0567

 30-Jul-20210.0564
 25-Jun-20210.0561
 28-May-20210.0560
 30-Apr-20210.0559
 26-Mar-20210.0559
 26-Feb-20210.0568
 29-Jan-20210.0559
 24-Dec-20200.0556
 27-Nov-20200.0554
 29-Oct-20200.0544
 25-Sep-20200.0538
 28-Aug-20200.0547
 31-Jul-20200.0544
 26-Jun-20200.0538
 29-May-20200.0528
 24-Apr-20200.0527
 27-Mar-20200.0369
 28-Feb-20200.0400
 31-Jan-20200.0403
 27-Dec-20190.0401
 29-Nov-20190.0403
 25-Oct-20190.0399
 27-Sep-20190.0400
 30-Aug-20190.0394
IDCW Quarterly22-Mar-20180.1758

 02-Nov-20170.1787
 02-May-20170.1752
 20-Feb-20170.1991
 26-Oct-20160.1998
 20-Jun-20160.1922
 28-Mar-20160.1892
 05-Nov-20150.1936
 25-Aug-20150.1952
 05-May-20150.1878
 22-Jan-20150.1887
 21-Oct-20140.2179
 05-May-20140.1634
 31-Jan-20140.1640
 30-Sep-20130.1644
 03-May-20130.1839

Contact Information

AMC: Navi AMC Limited

Address: Peerless Mansion, 3rd Floor, 1 Chowringhee Square, Kolkata - 700069

Phone: 033-40185000 / 1800-103-8999

Fax: 033-40185010

Email: [email protected]

Website: http://www.navimutualfund.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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Time12:30 PM - 01:00 PM

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