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UTI Regular Savings Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.18 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.78 Lakh

Analyst's Choice?

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three years.

Taxability of earnings:

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 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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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(₹)
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Trailing Returns (%)

YTD 1 Month 3 Months 1 Years 3 Years 5 Years 10 Years
Fund 1.74 0.24 1.54 2.37 5.61 6.73 8.18
VR MIP TRI 8.68 0.62 3.24 9.34 8.66 7.77 8.12
Hybrid: Conservative Hybrid 5.57 0.32 2.49 6.17 6.06 6.89 8.09
Rank within category 31 22 33 31 24 19 11
Number of funds in category 35 37 37 35 35 31 22

As on 13-Dec-2019

Best & Worst Performance

Best (Period) Worst (Period)
Month 7.83 (11-May-2009 - 10-Jun-2009) -6.77 (12-May-2006 - 13-Jun-2006)
Quarter 15.56 (09-Mar-2009 - 10-Jun-2009) -6.82 (20-May-2013 - 19-Aug-2013)
Year 28.97 (25-Nov-2008 - 25-Nov-2009) -11.28 (19-Nov-2007 - 18-Nov-2008)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.49 4.33 -0.07 -0.07 0.77 -2.27
VR MIP TRI 8.35 4.20 0.61 0.98 -- --
Hybrid: Conservative Hybrid 5.83 4.47 0.04 0.12 0.81 -2.02
Rank within category 20 20 20 20 19 22
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 30-Nov-2019

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 56
Number of Bonds --
Average Maturity (yrs) * --
Top 10 Holdings (%) 38.43
Portfolio P/B Ratio 5.71
Portfolio P/E Ratio 33.35

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
down 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 9.91 7.31
new 8.04% Vodafone Idea 27/01/2022 Debenture BBB+ 0.00 - 5.32 5.32
equal 8.23% IRFC 29/03/2029 Debenture AAA 0.00 - 4.91 4.91
equal 8.41% HUDCO 15/03/2029 Debenture AAA 0.00 - 3.76 3.76
up 9.65% Green Infra Wind Energy 2023 Debenture AA 1.96 - 3.75 3.75
equal 8.65% Bank of Baroda 2022 Debenture AA+ 2.82 - 3.52 3.52
equal Reliance Retail Ltd. 28/06/2021 Securitised Debt AAA 2.06 - 2.75 2.75
equal State Bank of India 2056 Debenture AA+ 1.97 - 2.44 2.44
new 6.45% GOI 2029 GOI Securities SOV 0.00 - 2.34 2.34
down 8.95% Punjab National Bank Bonds A 0.00 - 2.98 2.33
equal 9.05% Cholamandalam Invest. & Fin. 24/03/2028 Non Convertible Debenture AA+ 1.81 - 2.24 2.24
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 1.70 - 2.02 2.02
equal 8.37% HUDCO 25/03/2029 Debenture AAA 0.00 - 2.62 2.00
new 6.99% HDFC 25/11/2021 Non Convertible Debenture AAA 0.00 - 1.88 1.88
equal 8.78% Cholamandalam Invest. & Fin. 18/06/2027 Non Convertible Debenture AA+ 1.43 - 1.77 1.77
equal 8.00% Yes Bank 30/09/2026 Bonds A+ 0.00 - 1.49 1.49
equal 7.95% Sikka Ports and Terminals 28/10/2026 Debenture AAA 1.08 - 1.36 1.36
equal 8.85% REC 16/04/2029 Non Convertible Debenture AAA 0.00 - 1.24 1.24
equal 8.12% NHPC 22/03/2029 Debenture AAA 0.00 - 1.24 1.24
equal 8.35% IRFC 13/03/2029 Debenture AAA 0.00 - 2.20 1.24
equal 8.36% Nat. Highways Authority 20/05/2029 Debenture AAA 0.00 - 1.23 1.23
equal 8.05% HDFC 22/10/2029 Non Convertible Debenture AAA 0.00 - 1.20 1.20
equal 8.88% Export-Import Bank 18/10/2022 Bonds AAA 0.95 - 1.18 1.18
equal 7.32% NTPC 17/07/2029 Non Convertible Debenture AAA 0.00 - 1.65 1.17
equal 8.75% Edelweiss Retail Finance 22/03/2021 Debenture AA- 0.00 - 1.07 1.07

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
down Bajaj Finance Financial 49.61 2.27 1.14 1.92
down HDFC Bank Financial 29.57 1.75 1.20 1.71
down HDFC Financial 33.50 1.23 0.58 1.23
down Indusind Bank Financial 24.77 1.68 1.01 1.21
down Kotak Mahindra Bank Financial 39.32 1.25 0.68 1.16
equal Tata Consultancy Services Technology 23.99 1.02 0.58 1.00
down L&T Infotech Technology 19.39 1.01 0.00 0.94
down Info Edge (India) Services 148.42 1.02 0.32 0.92
down Infosys Technology 19.54 1.22 0.82 0.87
down Astral Poly Technik Chemicals 72.09 0.93 0.33 0.78
equal Shree Cement Construction 56.79 0.84 0.53 0.78
equal AU Small Finance Bank Financial 40.53 0.64 0.00 0.64
equal Maruti Suzuki India Automobile 35.88 0.76 0.38 0.57
down Dr. Lal Pathlabs Healthcare 52.68 0.67 0.04 0.56
down Divi's Laboratories Healthcare 37.89 0.62 0.23 0.50
equal PI Industries Chemicals 44.90 0.50 0.28 0.50
down Motherson Sumi Systems Automobile 29.36 0.74 0.37 0.48
down Jubilant FoodWorks Services 66.58 0.60 0.21 0.45
down Nestle India FMCG 75.07 0.47 0.12 0.45
down Eicher Motors Automobile 28.61 0.44 0.29 0.44
equal Torrent Pharmaceuticals Healthcare 56.99 0.61 0.34 0.44
down Berger Paints India Chemicals 78.74 0.54 0.00 0.44
down City Union Bank Financial 23.22 0.44 0.00 0.44
down Endurance Technologies Automobile 25.64 0.45 0.19 0.43
down Ipca Laboratories Healthcare 23.96 0.42 0.14 0.42

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-Nov-2019

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.

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 associated with UTI AMC for over two decades.

Interviews:

Funds Managed:


0.17%

Change from previous, NAV as on 13-Dec-2019

Growth: ₹ 41.1407

Monthly Payment: ₹ 41.1617

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Flexi Dividend: ₹ 35.1018

Dividend Monthly: ₹ 14.6352


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
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
Benchmark: CRISIL Short Term Debt Hybrid 75+25 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 2,137 Cr (As on 30-Nov-2019)
Expense: 1.79% (As on 30-Nov-2019)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly29-Nov-20190.0576

 31-Oct-20190.0576
 27-Sep-20190.0576
 30-Aug-20190.0576
 31-Jul-20190.0576
 28-Jun-20190.0576
 31-May-20190.0576
 30-Apr-20190.0576
 28-Mar-20190.0576
 28-Feb-20190.0576
 31-Jan-20190.0576
 28-Dec-20180.0576
 30-Nov-20180.0576
 31-Oct-20180.0576
 27-Sep-20180.0576
 31-Aug-20180.0576
 31-Jul-20180.0576
 28-Jun-20180.0576
 31-May-20180.0576
 27-Apr-20180.0576
 27-Mar-20180.0578
 28-Feb-20180.0578
 31-Jan-20180.0578
 29-Dec-20170.0578
 30-Nov-20170.0578
Flexi Dividend16-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: www.utimf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills, Hyderabad - 500034

Phone: 040-23312454

Email: [email protected]

Website: www.karvymfs.com

Upcoming Video

Investors' Hangout

Why you should ditch dividend plans

dateFriday, 20-Dec-2019
time12:30 PM - 01:00 PM