IDFC Regular Savings Fund - Direct Plan

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Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to

₹ 1.18 Lakh

₹ 10000

Monthly SIP Grown to

₹ 3.93 Lakh

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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Annual Returns

Quarterly Returns

Monthly Returns

Weekly Returns

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Amount (₹)

Start date

End date

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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	1.76	0.28	0.88	2.79	6.69	1.39	6.09	5.58	7.35	9.02	--
VR MIP TRI	-0.05	0.30	0.95	2.79	7.54	-0.34	3.19	6.45	7.26	8.41	--
Hybrid: Conservative Hybrid	0.15	0.25	0.99	2.95	6.47	-0.26	3.56	4.61	6.94	8.82	--
Rank within category	22	11	22	22	23	21	15	18	13	11	--
Number of funds in category	38	38	38	38	38	38	37	35	32	29	0

As on 09-Jul-2020

Peer Comparison

Fund name	Launch Date	1-Year Return	3-Year Return	5-Year Return	Expense Ratio	Assets (Cr)
IDFC Regular Savings Fund - Direct Plan	Jan-13	6.09	5.58	7.35	1.33	174
ICICI Prudential Regular Savings Fund - Direct Plan \| Invest Now	Jan-13	7.61	7.47	9.51	1.39	1,544
HDFC Hybrid Debt Fund - Direct Plan \| Invest Online	Jan-13	2.31	3.56	6.95	1.41	2,344
UTI Regular Savings Fund - Direct Plan \| Invest Online	Jan-13	0.87	3.52	6.30	1.11	1,658
Aditya Birla Sun Life Regular Savings Fund - Direct Plan \| Invest Online	Jan-13	-0.53	2.26	6.82	1.12	1,203

Best & Worst Performance

	Best (Period)	Worst (Period)
Week	3.42 (24-Mar-2020 - 31-Mar-2020)	-5.82 (11-Mar-2020 - 18-Mar-2020)
Month	6.60 (23-Mar-2020 - 22-Apr-2020)	-11.38 (20-Feb-2020 - 23-Mar-2020)
Quarter	10.38 (23-Mar-2020 - 22-Jun-2020)	-9.35 (23-Dec-2019 - 23-Mar-2020)
Year	24.47 (13-Feb-2014 - 13-Feb-2015)	-3.23 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

	Mean	Std Dev	Sharpe	Sortino	Beta	Alpha
Fund	5.24	5.42	-0.01	-0.01	0.80	-0.67
VR MIP TRI	6.06	6.50	0.12	0.13	--	--
Hybrid: Conservative Hybrid	4.43	7.02	-0.05	0.01	0.84	-1.51
Rank within category	19	13	19	19	22	19
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 30-Jun-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks	32
Number of Bonds	15
Average Maturity (yrs)	3.66
Top 10 Holdings (%)	56.19
Portfolio P/B Ratio	3.24
Portfolio P/E Ratio	23.68

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
7.27% GOI 2026	GOI Securities	SOV	0.00 - 21.48	12.41
7.26% GOI 14/01/2029	GOI Securities	SOV	0.00 - 9.28	9.28
8.80% HDFC 18/06/2020	Debenture	AAA	7.62 - 10.64	8.64
7.61% GOI 2030	GOI Securities	SOV	0.00 - 6.36	6.36
8.15% REC 2022	Non Convertible Debenture	AAA	5.05 - 5.82	5.33
7.90% National Bank Agr. Rur. Devp 18/04/2022	Non Convertible Debenture	AAA	0.00 - 3.37	3.37
8.33% GOI 2026	Central Government Loan	SOV	0.00 - 3.23	3.23
8.50% National Bank Agr. Rur. Devp	Debenture	AAA	0.00 - 3.66	3.09
7.28% Power Finance Corp. 2022	Bonds	AAA	0.00 - 1.75	1.75
Sundaram Finance 2022	Debenture	AAA	0.00 - 12.27	1.21
7.67% LIC Housing Fin. 29/07/2021	Bonds	AAA	0.75 - 0.89	0.87
8.81% SIDBI 25/01/2022	Debenture	AAA	0.00 - 0.79	0.79
8.69% LIC Housing Fin. 19/04/2022	Zero Coupon Bonds	AAA	0.51 - 0.59	0.59
7.79% LIC Housing Fin. 18/10/2024	Debenture	AAA	0.00 - 0.18	0.18

Indicates an increase or decrease or no change in holding since last portfolio
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
Reliance Industries	Energy	31.35	2.46	0.50	2.46
HDFC Bank	Financial	22.68	2.41	0.49	2.02
ICICI Bank	Financial	25.08	2.24	0.00	1.69
Infosys	Technology	20.06	2.00	0.48	1.59
HDFC	Financial	15.72	1.73	0.00	1.51
Bharti Airtel	Communication	--	1.41	0.00	1.41
Tata Consultancy Services	Technology	25.58	1.37	0.00	1.07
Hindustan Unilever	FMCG	75.69	1.35	0.00	1.05
Fine Organic Industries	Chemicals	36.41	0.83	0.00	0.81
Kotak Mahindra Bank	Financial	31.51	1.64	0.49	0.79
Ipca Laboratories	Healthcare	34.29	0.78	0.00	0.72
Larsen & Toubro	Construction	13.89	1.16	0.00	0.64
Ultratech Cement	Construction	19.07	0.63	0.00	0.63
Maruti Suzuki India	Automobile	31.95	1.38	0.00	0.58
Dr. Reddy's Lab	Healthcare	31.97	0.49	0.00	0.49
Axis Bank	Financial	69.10	1.92	0.00	0.49
Divi's Laboratories	Healthcare	41.96	0.47	0.00	0.47
Asian Paints	Chemicals	60.87	0.45	0.00	0.43
DFM Foods	FMCG	38.01	0.39	0.00	0.39
Nestle India	FMCG	79.53	1.18	0.00	0.33
Bajaj Auto	Automobile	16.00	0.39	0.00	0.32
Bajaj Finance	Financial	38.12	0.97	0.00	0.31
Voltas	Cons Durable	35.88	0.75	0.00	0.28
Pidilite Industries	Chemicals	62.80	0.28	0.00	0.26
Dabur India	FMCG	57.88	0.48	0.00	0.26

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

As on 31-May-2020

Fund Manager

— Sumit Agrawal since 20-Oct-2016

Education: Mr.Agrawal is a B.Com, ACS, CFA (USA)and PGDM (Finance).

Experience: Prior to joining IDFC AMC he was associated with Mirae Asset Mutual Fund (Nov 2010-Sep 2016) as Fund Manager-Equities, Axis Capital (erstwhile ENAM Securities) (Feb 2008-Nov 2010) as VP-Research Analyst and JP Morgan India Services Pvt. Ltd. (Jun 2006-Feb 2008) as TL-Investment Banking.

Funds Managed:

— Anurag Mittal since 09-Nov-2015

Education: Mr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.

Experience: Prior to joining IDFC AMC, he worked with HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).

Funds Managed:

0.28%

Change from previous, NAV as on 09-Jul-2020

Growth: ₹ 24.4481

Dividend Quarterly: ₹ 14.5156

Dividend Monthly: ₹ 13.8927

The Scheme seeks to generate regular returns through investment predominantly in debt instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme's total assets in equity

Minimum Investment (₹)	5,000
Minimum Addl Investment (₹)	1,000
Minimum SIP Investment (₹)	100
Minimum No of Cheques	6
Minimum Withdrawal (₹)	500
Minimum Balance (₹)	500

Exit Load	For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Exit Load

For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Fund House:	IDFC Mutual Fund
Launch Date:	01-Jan-2013
Return Since Launch:	8.76%
Benchmark:	Nifty AAA Short Duration Bond (85), S&P BSE 200 TRI (15)
Riskometer:	Moderately High
Type:	Open-ended
Assets:	₹ 174 Cr (As on 31-May-2020)
Expense:	1.33% (As on 31-May-2020)
Risk Grade:	Average
Return Grade:	Average
Turnover:	--

Plan

Record Date

Dividend (₹ / Unit)

Dividend Monthly

26-Jun-2020

0.0343

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	28-May-2020	0.0333
	28-Apr-2020	0.0333
	28-Feb-2020	0.0424
	28-Jan-2020	0.0334
	27-Dec-2019	0.0334
	28-Nov-2019	0.0419
	30-Oct-2019	0.0416
	27-Sep-2019	0.0373
	29-Aug-2019	0.0203
	30-Jul-2019	0.0122
	27-Jun-2019	0.0490
	30-May-2019	0.0489
	26-Apr-2019	0.0486
	28-Mar-2019	0.0487
	27-Feb-2019	0.0480
	30-Jan-2019	0.0483
	28-Dec-2018	0.0482
	29-Nov-2018	0.0477
	30-Oct-2018	0.0472
	27-Sep-2018	0.0479
	30-Aug-2018	0.0487
	30-Jul-2018	0.0484
	28-Jun-2018	0.0482
	30-May-2018	0.0482

Dividend Quarterly

26-Jun-2020

0.1788

More...

	27-Dec-2019	0.1582
	27-Sep-2019	0.0512
	27-Jun-2019	0.1547
	27-Mar-2019	0.1536
	27-Dec-2018	0.0616
	26-Sep-2018	0.0637
	26-Jun-2018	0.1498
	26-Mar-2018	0.1517
	21-Dec-2017	0.1551
	21-Sep-2017	0.1806
	27-Jun-2017	0.2095
	22-Mar-2017	0.2022
	22-Dec-2016	0.2022
	22-Sep-2016	0.2022
	23-Jun-2016	0.1950
	22-Mar-2016	0.0217
	21-Dec-2015	0.0433
	24-Sep-2015	0.1083
	23-Mar-2015	0.4385
	18-Dec-2014	0.2105
	19-Sep-2014	0.2182
	20-Jun-2014	0.2104
	21-Mar-2014	0.1559
	20-Dec-2013	0.1559

Fund News - 11-Nov-2019

Benchmark change in schemes of IDFC Mutual Fund
Fund News - 23-Jan-2019

Change in Minimum Investment Amount for SIP in Schemes of IDFC Mutual Fund
Fund News - 23-Apr-2018

Three Schemes of IDFC Mutual Fund gets Renamed
Fund News - 23-Aug-2017

Load Change in IDFC Monthly Income Plan
Fund News - 20-Oct-2016

Change in fund manager of IDFC MF schemes

IDFC Regular Savings Fund - Direct Plan

₹ 1.06 Lakh

₹ 1.18 Lakh

₹ 1.43 Lakh

₹ 1.83 Lakh

₹ 1.24 Lakh

₹ 3.93 Lakh

₹ 7.07 Lakh

₹ 11.02 Lakh

Trailing Returns (%)

Peer Comparison

Best & Worst Performance

Risk Measures (%)

Asset Allocation (%)

Concentration & Valuation

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

Top Debt Holdings

Sector Allocation vis-à-vis Category

Top Equity Holdings

Fund Manager

0.28%

Investment Strategy

Investment Details

Basic Details

Most Recent Dividends

News & Analysis

Contact Information

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