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2 star

UTI Regular Savings Fund - Regular Plan

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.30 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.37 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 12.72 -0.53 -1.09 -0.67 4.90 9.73 15.75 9.09 7.89 8.32 9.86
VR MIP TRI 10.02 -1.13 -1.62 -2.31 2.09 6.15 13.28 10.70 9.41 8.59 9.83
Hybrid: Conservative Hybrid 9.64 -0.54 -0.67 -0.50 2.42 5.53 11.96 8.56 7.02 7.64 9.06
Rank within category 9 16 31 18 3 4 8 15 9 8 7
Number of funds in category 33 36 36 36 36 35 33 30 30 28 27

As on 26-Nov-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Regular Savings Fund - Regular Plan  | Invest Online
2 star
 Dec-03 15.75 9.09 7.89 1.80% 1,653
SBI Debt Hybrid Fund  | Invest Online
4 star
 Mar-01 16.79 12.28 8.24 1.10% 4,369
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 11.36 10.54 9.33 1.73% 3,384
HDFC Hybrid Debt Fund  | Invest Online
4 star
 Dec-03 16.22 10.59 7.65 1.86% 2,676
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
 Dec-03 16.13 13.25 9.28 1.90% 1,160

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.98 13-May-2009 - 20-May-2009 -5.68 11-Mar-2020 - 18-Mar-2020
Month 7.83 11-May-2009 - 10-Jun-2009 -11.60 20-Feb-2020 - 23-Mar-2020
Quarter 15.56 09-Mar-2009 - 10-Jun-2009 -13.50 23-Dec-2019 - 23-Mar-2020
Year 28.97 25-Nov-2008 - 25-Nov-2009 -12.87 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.32 6.81 0.80 0.89 0.86 -0.89
VR MIP TRI 11.27 6.77 1.09 1.33 -- --
Hybrid: Conservative Hybrid 8.86 6.30 0.92 1.05 0.68 -0.05
Rank within category 13 23 22 18 27 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 53
Number of Bonds 39
Average Maturity (yrs) 5.19
Top 10 Holdings (%) 37.06
Portfolio P/B Ratio 7.50
Portfolio P/E Ratio 43.45

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 6.45% GOI 2029 GOI Securities SOV 6.09 - 6.28 6.09
equal 7.26% GOI 14/01/2029 GOI Securities SOV 5.10 - 5.28 5.10
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 4.73 4.60
equal 8.20% GOI 15/02/2022 Central Government Loan SOV 0.00 - 7.00 3.67
equal 7.09% Food Corporation of India 13/08/2031 Non Convertible Debenture AAA 0.00 - 4.66 3.03
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 3.10 3.01
new 6.10% GOI 2031 GOI Securities SOV 0.00 - 2.96 2.96
equal 8.21% West Bengal State 24/06/2025 State Development Loan SOV 0.00 - 3.04 2.94
equal 6.19% GOI 16/09/2034 GOI Securities SOV 2.87 - 3.02 2.87
equal 8.65% Bank of Baroda Additional Tier 1 Bond AA+ 2.79 - 3.19 2.79
equal 8.78% Cholamandalam Investment & Finance Company 18/06/2027 Non Convertible Debenture AA+ 2.15 - 2.28 2.22
equal 8.00% Yes Bank 30/09/2026 Bonds BBB 1.67 - 1.77 1.72
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 1.58 - 4.91 1.58
equal 7.24% REC 31/12/2022 Non Convertible Debenture AAA 1.56 - 1.61 1.56
equal 7.42% Union Bank of India Additional Tier 2 Bond AA+ 1.53 - 1.58 1.54
equal Shriram Transport Finance Company 16/06/2023 Non Convertible Debenture AA+ 0.00 - 1.56 1.52
equal 6.09% Power Finance Corporation 27/08/2026 Non Convertible Debenture AAA 0.00 - 1.55 1.51
equal 4.79% Hindustan Petroleum Corporation 23/10/2023 Debenture AAA 1.51 - 1.56 1.51
equal 4.23% HDFC 18/02/2022 Debenture AAA 0.00 - 1.55 1.51
equal 6.72% India Grid Trust 14/09/2026 Non Convertible Debenture AAA 0.00 - 1.51 1.51
equal 7.15% Tata Motors Finance 25/06/2024 Non Convertible Debenture AA- 0.00 - 1.55 1.51
equal 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 1.51 1.50
equal 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 1.55 1.50
equal 6.67% GOI 15/12/2035 GOI Securities SOV 0.00 - 1.50 1.48
equal 5.77% GOI 2030 GOI Securities SOV 1.45 - 2.42 1.45

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 HDFC Bank Financial 24.13 1.75 1.37 1.75
equal Bajaj Finance Financial 82.53 2.15 1.22 1.71
equal L&T Infotech Technology 55.26 1.55 0.51 1.55
equal Infosys Technology 34.03 1.43 0.78 1.33
up HDFC Financial 23.83 1.25 0.80 1.25
up Kotak Mahindra Bank Financial 38.99 1.27 0.94 1.25
equal MindTree Technology 52.93 1.26 0.17 1.11
up Tata Consultancy Services Technology 34.84 1.02 0.64 1.02
equal Avenue Supermarts Services 222.46 0.97 0.00 0.97
equal Info Edge (India) Services 8.88 1.02 0.60 0.81
up Maruti Suzuki India Automobile 51.58 0.64 0.35 0.64
up Motherson Sumi Systems Automobile 33.90 0.71 0.24 0.61
equal AU Small Finance Bank Financial 31.29 0.86 0.25 0.59
up Shree Cement Construction 35.83 0.83 0.50 0.59
equal Divi's Laboratories Healthcare 61.32 0.63 0.43 0.50
equal Titan Company Consumer Durable 116.40 0.48 0.35 0.48
up Jubilant FoodWorks Services 115.13 0.59 0.35 0.48
up Crompton Greaves Consumer Electricals Consumer Durable 41.94 0.49 0.17 0.46
equal Havells India Engineering 69.76 0.49 0.26 0.40
equal Marico FMCG 58.90 0.40 0.28 0.40
up Bharti Airtel Communication 143.20 0.50 0.00 0.36
equal Berger Paints India Chemicals 88.13 0.54 0.28 0.35
equal Pidilite Industries Chemicals 84.46 0.46 0.27 0.35
equal Page Industries Textiles 98.72 0.49 0.27 0.34
equal Nestle India FMCG 82.63 0.49 0.26 0.32

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

— Ajay Tyagi since 02-Dec-2014

Education: Mr Tyagi has done CFA Charterholder from The CFA Institute, USA and Masters in Finance from Delhi University.

Experience: He has been working in equity research in UTI since 2000. He has also worked as Assistant Fund Manager in the Offshore Funds division.

Interviews:

Funds Managed:

— Amandeep Singh Chopra since 05-Jul-2004

Education: Mr. Chopra is a B.Sc. from St.Stephen's College and an MBA from FMS, Delhi.

Experience: He has been with UTI AMC since 1994 beginning with Investment Research and then moving into the area of Fund Management. Prior to this, he had an experience of 2 years of working with Aaina Exports Ltd and Stenay Ltd. He serves on the Executive Investment Committee (EIC), Valuation Committee and the Management Committee of UTI AMC Ltd. He is also a member of the Valuation Committee of the Association of Mutual Funds in India (AMFI).

Interviews:

Funds Managed:

Invest Online
-0.53%

Change from previous, NAV as on 26-Nov-2021

Growth: ₹ 51.6574

Monthly Payment: ₹ 51.6839

More

IDCW Monthly: ₹ 16.2115

Flexi IDCW: ₹ 39.3887

Investment Strategy

The scheme seeks to invest predominantly in debt and money market instruments and part of the portfolio into equity/equity related securities with a view to generating income and aim for capital appreciation.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1,000
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: UTI Mutual Fund
Launch Date: 16-Dec-2003
Return Since Launch: 9.57%
Benchmark: CRISIL Short Term Debt Hybrid 75+25 Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,653 Cr (As on 31-Oct-2021)
Expense: 1.80% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Average
Turnover: 2.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly01-Nov-20210.0800

 01-Oct-20210.0800
 01-Sep-20210.0800
 02-Aug-20210.0800
 01-Jul-20210.0800
 01-Jun-20210.0800
 03-May-20210.0800
 05-Apr-20210.0800
 01-Mar-20210.0800
 01-Feb-20210.0800
 01-Jan-20210.0800
 01-Dec-20200.0800
 02-Nov-20200.0800
 01-Oct-20200.0800
 01-Sep-20200.0800
 31-Jul-20200.0800
 29-Jun-20200.0800
 29-May-20200.0800
 30-Apr-20200.0800
 30-Mar-20200.0576
 28-Feb-20200.0576
 31-Jan-20200.0576
 30-Dec-20190.0576
 29-Nov-20190.0576
 31-Oct-20190.0576
Flexi IDCW22-Jul-20211.2000

 16-Dec-20201.0000
 15-Jul-20200.9000
 19-Dec-20190.6483
 16-Jul-20190.5402
 20-Dec-20180.5402
 11-Jul-20180.5402
 26-Mar-20180.5056
 22-Mar-20170.5778
 28-Mar-20160.4334
 26-Mar-20150.7259

Contact Information

AMC: UTI Asset Management Company Ltd

Address: UTI Tower, 'GN' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022- 66786666 / 66786354 / 1800-22-1230

Fax: 022-26523031

Email: [email protected]

Website: http://www.utimf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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