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2 star

UTI Regular Savings Fund - Regular Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.09 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.73 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 -0.53 0.18 0.85 2.33 8.12 -0.17 2.12 2.76 5.59 8.78 7.79
VR MIP TRI 1.45 0.27 0.37 1.81 7.44 0.84 5.99 6.29 7.28 9.06 8.00
Hybrid: Conservative Hybrid 1.07 0.14 0.58 1.64 7.09 -0.28 4.97 3.66 5.98 8.63 7.65
Rank within category 32 11 6 7 9 26 34 26 23 14 16
Number of funds in category 39 39 39 39 39 39 38 36 33 30 29

As on 06-Aug-2020

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 2.12 2.76 5.59 1.78 1,673
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 8.70 6.55 8.56 1.96 1,597
HDFC Hybrid Debt Fund  | Invest Online
2 star
Dec-03 4.18 3.07 6.12 1.87 2,382
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
2 star
May-04 0.74 0.65 5.53 1.98 1,198
SBI Debt Hybrid Fund  | Invest Online
3 star
Mar-01 7.75 3.82 6.68 1.80 963

Best & Worst Performance

Best (Period) Worst (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 2.76 6.16 -0.40 -0.41 0.82 -3.29
VR MIP TRI 6.24 6.56 0.16 0.18 -- --
Hybrid: Conservative Hybrid 3.79 7.10 -0.15 -0.11 0.84 -2.29
Rank within category 26 19 28 28 24 26
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 57
Number of Bonds 39
Average Maturity (yrs) 4.70
Top 10 Holdings (%) 42.39
Portfolio P/B Ratio 4.88
Portfolio P/E Ratio 28.37

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 0.00 - 8.56 6.17
equal 7.26% GOI 14/01/2029 GOI Securities SOV 4.18 - 9.91 5.15
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 0.00 - 4.78 4.78
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 2.08 - 4.79 4.72
equal 8.65% Bank of Baroda 2022 Debenture AA+ 3.06 - 4.52 4.51
equal 8.23% IRFC 29/03/2029 Debenture AAA 3.98 - 5.05 4.29
equal Reliance Retail Ltd. 28/06/2021 Securitised Debt AAA 2.31 - 3.70 3.70
equal 6.92% REC 22/04/2023 Non Convertible Debenture AAA 0.00 - 3.07 3.07
equal 6.75% Power Finance Corp. 22/05/2023 Debenture AAA 0.00 - 3.07 3.07
equal 8.95% Punjab National Bank Bonds A 2.33 - 2.98 2.93
equal 8.78% Cholamandalam Invest. & Fin. 18/06/2027 Non Convertible Debenture AA+ 1.54 - 2.08 2.04
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 1.77 - 2.25 1.99
down 7.95% Sikka Ports and Terminals 28/10/2026 Debenture AAA 1.19 - 1.78 1.55
new 6.22% HDFC 2021 Debenture AAA 0.00 - 1.52 1.52
equal 6.99% Nat. Highways Authority 28/05/2035 Non Convertible Debenture AAA 0.00 - 1.51 1.50
equal 8.75% Edelweiss Retail Finance 22/03/2021 Debenture A+ 0.00 - 1.41 1.41
equal 7.85% Indian Hotels 15/04/2022 Bonds/Debentures AA+ 0.89 - 1.32 1.30
new 7.20% HDFC 13/04/2023 Non Convertible Debenture AAA 0.00 - 1.24 1.24
equal 8.75% Amba River Coke 2022 Non Convertible Debenture AA- 0.00 - 1.19 1.19
equal 8.12% NHPC 22/03/2029 Debenture AAA 0.81 - 1.28 1.01
equal 8.35% IRFC 13/03/2029 Debenture AAA 0.86 - 2.20 1.00
equal 8.11% REC 2025 Bonds AAA 0.00 - 0.96 0.96
equal 8.50% L&T Infrastructre Finance 17/01/2023 Debenture AAA 0.00 - 0.92 0.91
equal 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 0.00 - 0.92 0.91
equal 8.00% Yes Bank 30/09/2026 Bonds BB+ 0.00 - 0.90 0.90

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 HDFC Bank Financial 20.14 1.71 1.20 1.66
down Bajaj Finance Financial 41.52 2.27 1.22 1.63
down Kotak Mahindra Bank Financial 31.19 1.25 0.81 1.15
down L&T Infotech Technology 27.23 1.14 0.00 1.14
down HDFC Financial 14.05 1.25 0.58 1.09
down Tata Consultancy Services Technology 27.59 1.02 0.58 0.94
down Infosys Technology 23.78 1.22 0.78 0.91
down Info Edge (India) Services -- 1.02 0.42 0.74
equal Astral Poly Technik Chemicals 71.60 0.93 0.49 0.69
down Shree Cement Construction 51.43 0.83 0.53 0.69
equal Avenue Supermarts Services 136.10 0.64 0.00 0.62
equal Dr. Lal Pathlabs Healthcare 81.13 0.67 0.23 0.58
equal Bharti Airtel Communication -- 0.50 0.00 0.50
down Maruti Suzuki India Automobile 50.03 0.76 0.35 0.49
equal Divi's Laboratories Healthcare 53.69 0.62 0.23 0.48
equal AU Small Finance Bank Financial 31.70 0.86 0.13 0.45
equal Endurance Technologies Automobile 23.79 0.45 0.24 0.45
down Ipca Laboratories Healthcare 40.75 0.52 0.14 0.44
down Torrent Pharmaceuticals Healthcare 44.03 0.53 0.34 0.43
down PI Industries Chemicals 59.04 0.50 0.28 0.43
down Jubilant FoodWorks Services 88.19 0.60 0.31 0.42
equal Cadila Healthcare Healthcare 30.14 0.68 0.24 0.41
equal Eicher Motors Automobile 32.56 0.45 0.29 0.41
equal Metropolis Healthcare Healthcare 65.84 0.41 0.00 0.40
down Motherson Sumi Systems Automobile 26.94 0.74 0.24 0.40

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-Jun-2020

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:


0.18%

Change from previous, NAV as on 06-Aug-2020

Growth: ₹ 41.3653

Monthly Payment: ₹ 41.3865

More

Flexi Dividend: ₹ 33.4814

Dividend Monthly: ₹ 14.0497


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
Return Since Launch: 8.90%
Benchmark: CRISIL Short Term Debt Hybrid 75+25 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,673 Cr (As on 30-Jun-2020)
Expense: 1.78% (As on 30-Jun-2020)
Risk Grade: Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly31-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
 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
Flexi Dividend15-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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