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3 star

IDFC Regular Savings Fund - Direct Plan


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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(₹)
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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 Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
IDFC Regular Savings Fund - Direct Plan
3 star
Jan-13 6.09 5.58 7.35 1.33 174
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 7.61 7.47 9.51 1.39 1,544
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.31 3.56 6.95 1.41 2,344
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 0.87 3.52 6.30 1.11 1,658
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
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
down 7.27% GOI 2026 GOI Securities SOV 0.00 - 21.48 12.41
new 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 9.28 9.28
equal 8.80% HDFC 18/06/2020 Debenture AAA 7.62 - 10.64 8.64
equal 7.61% GOI 2030 GOI Securities SOV 0.00 - 6.36 6.36
down 8.15% REC 2022 Non Convertible Debenture AAA 5.05 - 5.82 5.33
new 7.90% National Bank Agr. Rur. Devp 18/04/2022 Non Convertible Debenture AAA 0.00 - 3.37 3.37
equal 8.33% GOI 2026 Central Government Loan SOV 0.00 - 3.23 3.23
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 0.00 - 3.66 3.09
equal 7.28% Power Finance Corp. 2022 Bonds AAA 0.00 - 1.75 1.75
down Sundaram Finance 2022 Debenture AAA 0.00 - 12.27 1.21
equal 7.67% LIC Housing Fin. 29/07/2021 Bonds AAA 0.75 - 0.89 0.87
new 8.81% SIDBI 25/01/2022 Debenture AAA 0.00 - 0.79 0.79
equal 8.69% LIC Housing Fin. 19/04/2022 Zero Coupon Bonds AAA 0.51 - 0.59 0.59
new 7.79% LIC Housing Fin. 18/10/2024 Debenture AAA 0.00 - 0.18 0.18

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
up Reliance Industries Energy 31.35 2.46 0.50 2.46
equal HDFC Bank Financial 22.68 2.41 0.49 2.02
equal ICICI Bank Financial 25.08 2.24 0.00 1.69
equal Infosys Technology 20.06 2.00 0.48 1.59
equal HDFC Financial 15.72 1.73 0.00 1.51
equal Bharti Airtel Communication -- 1.41 0.00 1.41
equal Tata Consultancy Services Technology 25.58 1.37 0.00 1.07
equal Hindustan Unilever FMCG 75.69 1.35 0.00 1.05
equal Fine Organic Industries Chemicals 36.41 0.83 0.00 0.81
equal Kotak Mahindra Bank Financial 31.51 1.64 0.49 0.79
equal Ipca Laboratories Healthcare 34.29 0.78 0.00 0.72
equal Larsen & Toubro Construction 13.89 1.16 0.00 0.64
equal Ultratech Cement Construction 19.07 0.63 0.00 0.63
equal Maruti Suzuki India Automobile 31.95 1.38 0.00 0.58
equal Dr. Reddy's Lab Healthcare 31.97 0.49 0.00 0.49
equal Axis Bank Financial 69.10 1.92 0.00 0.49
equal Divi's Laboratories Healthcare 41.96 0.47 0.00 0.47
equal Asian Paints Chemicals 60.87 0.45 0.00 0.43
equal DFM Foods FMCG 38.01 0.39 0.00 0.39
equal Nestle India FMCG 79.53 1.18 0.00 0.33
equal Bajaj Auto Automobile 16.00 0.39 0.00 0.32
equal Bajaj Finance Financial 38.12 0.97 0.00 0.31
equal Voltas Cons Durable 35.88 0.75 0.00 0.28
new Pidilite Industries Chemicals 62.80 0.28 0.00 0.26
new Dabur India FMCG 57.88 0.48 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-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


Investment Strategy

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

Investment Details

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

Basic Details

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: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly26-Jun-20200.0343

 28-May-20200.0333
 28-Apr-20200.0333
 28-Feb-20200.0424
 28-Jan-20200.0334
 27-Dec-20190.0334
 28-Nov-20190.0419
 30-Oct-20190.0416
 27-Sep-20190.0373
 29-Aug-20190.0203
 30-Jul-20190.0122
 27-Jun-20190.0490
 30-May-20190.0489
 26-Apr-20190.0486
 28-Mar-20190.0487
 27-Feb-20190.0480
 30-Jan-20190.0483
 28-Dec-20180.0482
 29-Nov-20180.0477
 30-Oct-20180.0472
 27-Sep-20180.0479
 30-Aug-20180.0487
 30-Jul-20180.0484
 28-Jun-20180.0482
 30-May-20180.0482
Dividend Quarterly26-Jun-20200.1788

 27-Dec-20190.1582
 27-Sep-20190.0512
 27-Jun-20190.1547
 27-Mar-20190.1536
 27-Dec-20180.0616
 26-Sep-20180.0637
 26-Jun-20180.1498
 26-Mar-20180.1517
 21-Dec-20170.1551
 21-Sep-20170.1806
 27-Jun-20170.2095
 22-Mar-20170.2022
 22-Dec-20160.2022
 22-Sep-20160.2022
 23-Jun-20160.1950
 22-Mar-20160.0217
 21-Dec-20150.0433
 24-Sep-20150.1083
 23-Mar-20150.4385
 18-Dec-20140.2105
 19-Sep-20140.2182
 20-Jun-20140.2104
 21-Mar-20140.1559
 20-Dec-20130.1559

Contact Information

AMC: IDFC Asset Management Company Limited

Address: Unit No. 27, Ground Floor, Khetan Bhavan,198, Jamshedji Tata Road, Churchgate, Mumbai - 400020

Phone: 022-24398777 / 24399999 / 66289999

Fax: 24215052 / 24215051

Email: [email protected]

Website: http://www.idfcmf.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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