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3 star

IDFC Regular Savings Fund - Direct Plan

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.28 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.12 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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(₹)
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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 6.48 -0.04 -0.51 -0.53 0.34 3.73 8.68 8.60 7.32 8.17 --
VR MIP TRI 10.11 0.09 -0.70 -0.87 0.83 5.27 13.33 10.34 9.39 8.50 --
Hybrid: Conservative Hybrid 10.87 0.11 -0.39 0.09 1.90 5.76 13.16 9.44 8.04 8.58 --
Rank within category 29 33 25 31 34 31 29 23 22 18 --
Number of funds in category 32 35 35 35 35 35 32 29 29 27 0

As on 30-Nov-2021

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 8.68 8.60 7.32 1.18% 180
SBI Debt Hybrid Fund - Direct Plan  | Invest Online
4 star
 Jan-13 17.08 12.75 9.03 0.58% 4,369
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
 Jan-13 12.23 11.17 10.09 0.84% 3,384
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
 Jan-13 17.19 14.35 10.55 0.48% 1,160
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
 Jan-13 12.61 12.70 9.91 0.61% 959

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
Fund 9.27 5.32 1.01 1.10 0.75 -0.13
VR MIP TRI 11.27 6.77 1.09 1.33 -- --
Hybrid: Conservative Hybrid 9.76 6.30 1.08 1.23 0.68 0.84
Rank within category 22 12 17 17 17 22
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 31-Oct-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 13
Number of Bonds 18
Average Maturity (yrs) 2.82
Top 10 Holdings (%) 60.02
Portfolio P/B Ratio 4.08
Portfolio P/E Ratio 31.84

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 24.83
equal 8.07% Gujarat State 2025 State Development Loan SOV 5.93 - 6.40 5.96
equal 8.15% REC 2022 Non Convertible Debenture AAA 4.85 - 5.26 4.88
equal 7.90% National Bank Agr. Rur. Devp 18/04/2022 Non Convertible Debenture AAA 3.14 - 3.41 3.16
equal 8.33% GOI 2026 Central Government Loan SOV 3.03 - 3.28 3.05
equal 7.17% GOI 2028 GOI Securities SOV 0.00 - 3.04 3.01
equal 8.98% Power Finance Corporation 2024 Bonds AAA 0.00 - 3.22 3.01
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 2.88 - 3.14 2.90
equal 8.24% GOI 15/02/2027 Central Government Loan SOV 0.00 - 5.10 2.00
equal 6.79% GOI 15/05/2027 GOI Securities SOV 0.00 - 1.97 1.95
equal 7.28% Power Finance Corporation 2022 Bonds AAA 1.68 - 1.82 1.69
equal 8.28% GOI 21/09/2027 Central Government Loan SOV 0.00 - 4.68 1.58
equal Sundaram Finance 2022 Debenture AAA 1.26 - 1.31 1.30
equal 8.81% SIDBI 25/01/2022 Debenture AAA 0.73 - 0.79 0.73
equal 8.69% LIC Housing Fin. 19/04/2022 Zero Coupon Bonds AAA 0.56 - 0.61 0.57
equal 7.79% LIC Housing Fin. 18/10/2024 Debenture AAA 0.17 - 0.19 0.17
equal 5.50% Britannia Inds. 2024 Non Convertible Debenture AAA 0.00 - 0.00 0.00
equal Others Margin Money -- - 0.06

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 -- 7.22
up State Bank of India Financial 14.35 1.69 0.00 1.69
equal ICICI Bank Financial 23.36 2.55 1.20 1.56
up Divi's Laboratories Healthcare 60.65 1.48 0.00 1.48
up Bajaj Finance Financial 84.81 1.48 0.00 1.48
up Tata Consultancy Services Technology 35.72 1.47 0.39 1.47
up Infosys Technology 34.52 2.40 0.90 1.47
up HDFC Bank Financial 24.18 3.07 0.96 1.45
equal Reliance Industries Energy 31.15 3.37 1.14 1.41
up Ultratech Cement Construction 33.45 1.05 0.00 1.05
up Hindustan Unilever FMCG 64.84 1.35 0.00 1.00
up Larsen & Toubro Construction 28.31 1.16 0.00 0.98
up Maruti Suzuki India Automobile 50.83 0.79 0.00 0.77
up Bharat Forge Automobile 76.23 0.73 0.00 0.73
new Bharti Airtel Ltd. PPE Communication -- 0.01

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

— 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:

-0.04%

Change from previous, NAV as on 30-Nov-2021

Growth: ₹ 28.0105

IDCW Quarterly: ₹ 15.8038

IDCW Monthly: ₹ 15.2033

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
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: 9.06%
Benchmark: Nifty AAA Short Duration Bond (85), S&P BSE 200 TRI (15)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 180 Cr (As on 31-Oct-2021)
Expense: 1.18% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly26-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
 28-Jan-20200.0334
 27-Dec-20190.0334
 28-Nov-20190.0419
 30-Oct-20190.0416
 27-Sep-20190.0373
IDCW Quarterly28-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
 24-Sep-20150.1083
 23-Mar-20150.4385

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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