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3 star

IDFC Regular Savings Fund - Direct Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.19 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.99 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 3.45 0.20 0.95 1.58 6.26 1.52 7.57 6.08 7.33 9.60 --
VR MIP TRI 1.58 0.11 1.04 1.67 7.58 1.09 5.55 6.62 7.33 9.05 --
Hybrid: Conservative Hybrid 1.93 0.28 0.93 1.60 7.92 0.34 5.87 4.99 6.98 9.45 --
Rank within category 21 25 11 12 26 20 20 15 13 13 --
Number of funds in category 39 39 39 39 39 39 38 36 33 29 0

As on 10-Aug-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 7.57 6.08 7.33 1.35 180
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 9.32 7.83 9.43 1.15 1,729
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 4.89 4.09 6.77 1.42 2,382
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.78 3.82 6.37 1.11 1,679
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 1.75 2.33 6.73 1.12 1,202

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 5.52 5.50 0.06 0.06 0.80 -0.51
VR MIP TRI 6.24 6.56 0.16 0.18 -- --
Hybrid: Conservative Hybrid 4.68 7.10 0.00 0.07 0.84 -1.40
Rank within category 17 14 17 17 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 31-Jul-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 28
Number of Bonds 17
Average Maturity (yrs) 3.16
Top 10 Holdings (%) 63.31
Portfolio P/B Ratio 3.72
Portfolio P/E Ratio 26.92

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 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 18.38 18.08
equal 7.27% GOI 2026 GOI Securities SOV 0.00 - 21.48 12.13
equal 8.07% Gujarat State 2025 State Development Loan SOV 0.00 - 6.21 6.14
new 6.22% HDFC 2021 Debenture AAA 0.00 - 5.68 5.68
equal 8.15% REC 2022 Non Convertible Debenture AAA 5.06 - 5.82 5.06
equal 6.99% HDFC 25/11/2021 Non Convertible Debenture AAA 0.00 - 3.48 3.43
equal 7.90% National Bank Agr. Rur. Devp 18/04/2022 Non Convertible Debenture AAA 0.00 - 3.37 3.28
equal 8.33% GOI 2026 Central Government Loan SOV 0.00 - 3.23 3.16
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 0.00 - 3.66 3.01
new 7.35% HDFC 2025 Debenture AAA 0.00 - 2.36 2.36
equal 7.28% Power Finance Corp. 2022 Bonds AAA 0.00 - 1.76 1.74
equal Sundaram Finance 2022 Debenture AAA 0.00 - 12.27 1.21
equal 7.67% LIC Housing Fin. 29/07/2021 Bonds AAA 0.75 - 0.87 0.86
equal 8.81% SIDBI 25/01/2022 Debenture AAA 0.00 - 0.79 0.77
equal 8.69% LIC Housing Fin. 19/04/2022 Zero Coupon Bonds AAA 0.51 - 0.60 0.59
equal 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
equal Reliance Industries Energy 33.97 3.34 0.50 3.34
equal HDFC Bank Financial 20.60 2.41 0.49 2.12
equal Bharti Airtel Communication -- 1.86 0.00 1.81
equal Infosys Technology 23.72 2.00 0.48 1.77
equal ICICI Bank Financial 23.40 2.24 0.00 1.71
equal HDFC Financial 14.89 1.73 0.00 1.57
equal Hindustan Unilever FMCG 75.78 1.35 0.00 1.10
equal Tata Consultancy Services Technology 27.40 1.37 0.00 0.97
equal Ipca Laboratories Healthcare 41.85 0.88 0.00 0.88
equal Fine Organic Industries Chemicals 43.02 0.85 0.00 0.85
equal Ultratech Cement Construction 21.49 0.85 0.00 0.85
equal Maruti Suzuki India Automobile 49.80 1.29 0.00 0.68
equal Larsen & Toubro Construction 16.11 1.16 0.00 0.60
equal Aurobindo Pharma Healthcare 19.55 0.70 0.00 0.58
equal Dr. Reddy's Lab Healthcare 39.29 0.52 0.00 0.52
equal Mahindra & Mahindra Automobile -- 0.67 0.00 0.51
equal Divi's Laboratories Healthcare 52.15 0.50 0.00 0.50
equal Asian Paints Chemicals 75.68 0.45 0.00 0.42
equal Muthoot Finance Financial 15.00 0.36 0.00 0.36
equal Bajaj Auto Automobile 18.92 0.39 0.00 0.35
equal Voltas Cons Durable 38.91 0.75 0.00 0.33
equal DFM Foods FMCG 52.72 0.39 0.00 0.33
equal Nestle India FMCG 77.03 1.18 0.00 0.30
equal Hero Motocorp Automobile 14.89 0.52 0.00 0.28
equal Dabur India FMCG 63.71 0.48 0.00 0.28

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-Jul-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:


0.20%

Change from previous, NAV as on 10-Aug-2020

Growth: ₹ 24.8555

Dividend Quarterly: ₹ 14.7565

Dividend Monthly: ₹ 14.0880


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: 8.89%
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-Jul-2020)
Expense: 1.35% (As on 31-Jul-2020)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly28-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
 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
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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