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3 star

UTI Regular Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.27 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.29 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 -0.50 -0.51 -1.27 0.17 -0.79 6.96 11.89 8.42 7.88 7.77 9.60
VR MIP TRI -0.68 -1.10 -2.63 0.14 -1.88 4.44 8.82 9.99 9.23 8.09 9.37
Hybrid: Conservative Hybrid -0.43 -0.64 -1.41 0.09 -0.25 3.45 8.98 8.14 6.95 7.11 8.83
Rank within category 21 14 15 16 27 2 7 15 7 9 7
Number of funds in category 36 36 36 36 36 36 33 30 30 28 27

As on 24-Jan-2022

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
3 star
Dec-03 11.89 8.42 7.88 1.82% 1,626
SBI Conservative Hybrid Fund  | Invest Online
4 star
Mar-01 12.41 11.64 8.15 1.10% 5,338
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 9.59 10.20 9.29 1.75% 3,375
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 11.59 12.64 9.02 1.89% 1,268
Canara Robeco Conservative Hybrid Fund - Regular Plan  | Invest Online
5 star
Apr-01 8.90 11.14 8.68 1.85% 1,045

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 8.55 6.83 0.71 0.82 0.86 -0.58
VR MIP TRI 10.03 6.79 0.93 1.14 -- --
Hybrid: Conservative Hybrid 8.13 6.28 0.81 0.96 0.68 0.14
Rank within category 14 23 20 17 26 21
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-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 45
Number of Bonds 36
Average Maturity (yrs) 4.95
Top 10 Holdings (%) 40.20
Portfolio P/B Ratio 6.73
Portfolio P/E Ratio 37.46

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 6.15
new Reserve Bank of India 364-D 20/01/2022 Treasury Bills SOV 0.00 - 6.14 6.14
equal 7.26% GOI 14/01/2029 GOI Securities SOV 5.10 - 5.28 5.15
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 4.73 4.62
equal 8.20% GOI 15/02/2022 Central Government Loan SOV 0.00 - 7.00 3.71
equal 7.09% Food Corporation of India 13/08/2031 Non Convertible Debenture AAA 0.00 - 4.66 3.08
new 7.12% Tamilnadu State 29/12/2034 State Development Loan SOV 0.00 - 3.08 3.08
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 3.10 3.05
equal 8.21% West Bengal State 24/06/2025 State Development Loan SOV 0.00 - 3.04 2.98
equal 8.78% Cholamandalam Investment & Finance Company 18/06/2027 Non Convertible Debenture AA+ 2.21 - 2.28 2.24
equal 8.00% Yes Bank 30/09/2026 Bonds BBB 1.70 - 1.77 1.75
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 1.58 - 4.91 1.60
equal Shriram Transport Finance Company 16/06/2023 Non Convertible Debenture AA+ 0.00 - 1.56 1.55
equal 7.42% Union Bank of India Additional Tier 2 Bond AA+ 1.53 - 1.58 1.55
equal 4.23% HDFC 18/02/2022 Debenture AAA 0.00 - 1.55 1.54
equal 7.15% Tata Motors Finance 25/06/2024 Non Convertible Debenture AA- 0.00 - 1.55 1.53
equal 6.09% Power Finance Corporation 27/08/2026 Non Convertible Debenture AAA 0.00 - 1.55 1.53
equal 6.72% India Grid Trust 14/09/2026 Non Convertible Debenture AAA 0.00 - 1.53 1.53
equal 4.79% Hindustan Petroleum Corporation 23/10/2023 Debenture AAA 1.51 - 1.56 1.53
equal 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 1.55 1.52
equal 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 1.52 1.52
equal 6.10% GOI 2031 GOI Securities SOV 0.00 - 2.96 1.50
equal 5.77% GOI 2030 GOI Securities SOV 1.45 - 2.42 1.48
equal First Business Receivable Trust Securitised Debt AAA 0.66 - 0.71 1.41
equal 7.85% The Indian Hotels Company 15/04/2022 Bonds/Debentures AA 1.35 - 1.40 1.37

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 Infosys Technology 33.97 1.79 0.78 1.79
up HDFC Bank Financial 22.87 1.79 1.37 1.79
equal Bajaj Finance Financial 70.27 2.15 1.22 1.64
down L&T Infotech Technology 47.45 1.59 0.61 1.19
equal HDFC Financial 22.08 1.25 0.80 1.16
equal Tata Consultancy Services Technology 37.06 1.14 0.64 1.14
equal Kotak Mahindra Bank Financial 36.40 1.27 0.94 1.13
down MindTree Technology 42.83 1.26 0.17 1.10
up ICICI Bank Financial 24.90 1.04 0.00 1.04
equal Avenue Supermarts Services 176.72 0.99 0.00 0.99
equal Maruti Suzuki India Automobile 57.90 0.64 0.35 0.64
equal Motherson Sumi Systems Automobile 28.11 0.71 0.24 0.62
equal Shree Cement Construction 33.60 0.83 0.50 0.56
down Info Edge (India) Services 6.82 1.02 0.55 0.55
equal Titan Company Consumer Durable 122.04 0.52 0.35 0.52
equal AU Small Finance Bank Financial 34.68 0.86 0.33 0.51
equal Jubilant FoodWorks Services 110.20 0.59 0.35 0.48
equal Divi's Laboratories Healthcare 50.25 0.63 0.43 0.46
equal Havells India Engineering 64.46 0.49 0.26 0.45
equal Crompton Greaves Consumer Electricals Consumer Durable 39.13 0.49 0.17 0.44
equal Pidilite Industries Chemicals 99.38 0.46 0.28 0.38
equal Berger Paints India Chemicals 82.41 0.54 0.28 0.37
equal Bharti Airtel Communication 133.91 0.50 0.00 0.37
equal Marico FMCG 51.18 0.40 0.28 0.37
equal Page Industries Textiles 103.94 0.43 0.27 0.37

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-Dec-2021

Fund Manager

— Amit Kumar Premchandani since 08-Jan-2022

Education: Mr. Premchandani is a Chartered Accountant, MBA and CFA degree holder.

Experience: Prior to joining UTI, he has worked in Deutsche Equities India, JP Morgan and Peerless General Finance and Investment. In UTI he has been associated with Dept. of Securities Research and Dept. of Fund Management for more than 11 years.

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:


-0.51%

Change from previous, NAV as on 24-Jan-2022

Growth: ₹ 51.6029

Monthly Payment: ₹ 51.6294

More

IDCW Monthly: ₹ 16.0356

Flexi IDCW: ₹ 38.1517


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

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 6
Min. Withdrawal (₹) 1,000
Min. 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: 9.48%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,626 Cr (As on 31-Dec-2021)
Expense: 1.82% (As on 31-Dec-2021)
Risk Grade: Average
Return Grade: Above Average
Turnover: 12.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly03-Jan-20220.0800

 01-Dec-20210.0800
 01-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
Flexi IDCW15-Dec-20211.2000

 22-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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