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IDFC Regular Savings Fund - Direct Plan download report

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Hybrid: Conservative Hybrid

Analysts' Choiceunlock it

1 Lakh

Investment Grown to
₹ 1.20 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.87 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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
cal

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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
IDFC Regular Savings Direct Plan-G -2.81 -0.09 -0.35 -2.05 -2.09 -2.79 1.93 6.16 5.95 7.02 --
VR MIP TRI -3.13 -0.15 -0.41 -2.32 -1.83 -3.57 3.54 7.31 7.76 7.77 --
Hybrid: Conservative Hybrid -1.50 -0.15 -0.26 -1.86 -0.80 -1.49 4.99 7.27 6.92 7.75 --
Rank within category 25 11 27 21 28 24 30 25 25 23 --
Number of funds in category 35 36 36 36 35 35 34 31 29 28 0

As on 25-May-2022

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  | Invest Online
3 star
 Jan-13 1.93 6.16 5.95 1.18% 177
SBI Conservative Hybrid Fund - Direct Plan  | Invest Online
4 star
 Jan-13 7.29 10.36 8.11 0.56% 5,976
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
 Jan-13 6.59 9.35 8.98 0.99% 3,285
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
 Jan-13 6.00 11.51 9.33 0.45% 1,469
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
 Jan-13 3.97 10.05 8.62 0.56% 1,138

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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
IDFC Regular Savings Direct Plan-G 7.09 5.32 0.67 0.68 0.74 -0.18
VR MIP TRI 8.58 6.80 0.74 0.90 -- --
Hybrid: Conservative Hybrid 8.26 6.34 0.85 0.93 0.66 1.39
Rank within category 26 14 24 24 18 28
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 30-Apr-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 13
Number of Bonds 15
Average Maturity (yrs) 2.38
Top 10 Holdings (%) 58.28
Portfolio P/B Ratio 3.83
Portfolio P/E Ratio 26.73

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 5.63% GOI 2026 GOI Securities SOV 0.00 - 24.83 24.66
equal 8.07% Gujarat State 2025 State Development Loan SOV 5.78 - 6.04 5.90
equal 8.15% REC 2022 Non Convertible Debenture AAA 4.72 - 4.99 4.88
equal 8.98% Power Finance Corporation 2024 Bonds AAA 2.92 - 3.07 3.00
equal 8.33% GOI 2026 Central Government Loan SOV 2.96 - 3.08 2.99
equal 7.17% GOI 2028 GOI Securities SOV 2.93 - 3.04 2.96
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 2.81 - 2.96 2.89
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 1.94 - 5.10 1.95
equal 6.79% GOI 15/05/2027 GOI Securities SOV 1.03 - 1.97 1.92
equal 7.28% Power Finance Corporation 2022 Bonds AAA 1.64 - 1.73 1.70
equal 8.28% GOI 21/09/2027 Central Government Loan SOV 1.53 - 4.68 1.54
equal Sundaram Finance 2022 Debenture AAA 1.26 - 1.35 1.35
equal 7.79% LIC Housing Fin. 18/10/2024 Debenture AAA 0.17 - 0.18 0.17
equal 5.50% Britannia Inds. 2024 Non Convertible Debenture AAA 0.00 - 0.00 0.00
equal Others Margin Money -- - 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 IDFC Nifty ETF-G Financial -- 7.13
equal Tata Consultancy Services Technology 30.43 1.59 0.43 1.55
equal Reliance Industries Energy 28.71 3.37 1.14 1.43
equal Bajaj Finance Financial 49.19 1.48 0.00 1.36
equal State Bank of India Financial 11.49 1.69 0.00 1.35
equal Infosys Technology 26.87 2.40 0.90 1.35
equal ICICI Bank Financial 19.92 2.55 1.20 1.33
equal Divi's Laboratories Healthcare 30.86 1.48 0.00 1.32
equal HDFC Bank Financial 19.73 3.07 0.96 1.21
equal Maruti Suzuki India Automobile 60.27 1.12 0.25 1.04
equal Hindustan Unilever Consumer Staples 59.95 1.35 0.00 0.95
equal Bharat Forge Automobile 28.71 0.94 0.00 0.94
equal Larsen & Toubro Construction 25.12 1.16 0.00 0.90
equal Ultratech Cement Materials 22.90 1.05 0.15 0.85

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-2022

Fund Manager

— Harshal Joshi since 28-Jul-2021

Education: Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai

Experience: Prior to joining IDFC Mutual fund in 2008 he has worked with ICAP India Pvt. Ltd.

Funds Managed:

— 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:

Invest Online
-0.09%

Change from previous, NAV as on 25-May-2022

Growth: ₹ 27.3596

IDCW Quarterly: ₹ 15.1284

IDCW Monthly: ₹ 14.6320

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

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 100
Min. No of Cheques 6
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
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: IDFC Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 8.30%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 177 Cr (As on 30-Apr-2022)
Expense: 1.18% (As on 31-Mar-2022)
Risk Grade: Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly28-Apr-20220.0437

 25-Mar-20220.0438
 25-Feb-20220.0445
 28-Jan-20220.0448
 28-Dec-20210.0444
 26-Nov-20210.0450
 28-Oct-20210.0452
 28-Sep-20210.0449
 26-Aug-20210.0442
 28-Jun-20210.0436
 28-May-20210.0370
 22-Apr-20210.0367
 26-Mar-20210.0368
 26-Feb-20210.0369
 28-Jan-20210.0371
 28-Dec-20200.0365
 25-Nov-20200.0360
 28-Oct-20200.0357
 28-Sep-20200.0350
 28-Aug-20200.0353
 28-Jul-20200.0351
 26-Jun-20200.0343
 28-May-20200.0333
 28-Apr-20200.0333
 28-Feb-20200.0424
IDCW Quarterly25-Mar-20220.1558

 28-Dec-20210.1581
 28-Sep-20210.1603
 28-Jun-20210.1559
 26-Mar-20210.1537
 24-Dec-20200.1531
 28-Sep-20200.1485
 26-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

Contact Information

AMC: IDFC Asset Management Company Limited

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

Fax: 24215052 / 24215051

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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