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UTI Regular Savings Fund - Regular Plan download report

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.22 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.08 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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(₹)
cal
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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
UTI Regular Savings Reg-G -2.64 0.49 0.60 -2.03 -2.34 -3.32 7.74 6.86 6.64 7.27 9.13
VR MIP TRI -2.69 1.11 1.20 -2.19 -2.82 -3.60 4.86 7.60 7.97 7.82 9.08
Hybrid: Conservative Hybrid -1.60 0.49 0.63 -1.88 -1.49 -1.80 4.97 6.58 6.02 6.85 8.50
Rank within category 23 16 18 20 21 22 6 13 9 10 7
Number of funds in category 34 35 35 35 34 34 33 30 28 27 26

As on 20-May-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 7.74 6.86 6.64 1.82% 1,601
SBI Conservative Hybrid Fund  | Invest Online
4 star
 Mar-01 7.61 10.04 7.43 1.10% 5,976
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 6.04 8.56 8.12 1.83% 3,285
HDFC Hybrid Debt Fund  | Invest Online
4 star
 Dec-03 6.01 8.62 6.73 1.82% 2,711
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
4 star
 May-04 7.17 8.47 6.41 1.90% 1,727

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
UTI Regular Savings Reg-G 7.49 6.82 0.58 0.67 0.86 -0.37
VR MIP TRI 8.58 6.80 0.74 0.90 -- --
Hybrid: Conservative Hybrid 7.31 6.33 0.67 0.73 0.66 0.44
Rank within category 14 24 21 17 29 24
Number of funds in category 31 31 31 31 31 31

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Apr-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 62
Number of Bonds 35
Average Maturity (yrs) * 4.57
Top 10 Holdings (%) 37.26
Portfolio P/B Ratio 3.48
Portfolio P/E Ratio 23.17

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 6.01 - 6.28 6.01
equal 7.26% GOI 14/01/2029 GOI Securities SOV 5.05 - 5.25 5.05
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 4.73 4.66
equal 6.98% Power Finance Corporation 20/04/2023 Non Convertible Debenture AAA 0.00 - 3.17 3.17
equal 7.45% LIC Housing Fin. 2023 Non Convertible Debenture AAA 0.00 - 3.17 3.17
new 7.19% Gujarat State 25/01/2027 State Development Loan SOV 0.00 - 3.15 3.15
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 3.10 3.03
equal 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 3.07 3.03
equal HDFC Bank 2023 Certificate of Deposit A1+ 0.00 - 3.00 3.00
new 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 2.99 2.99
equal 8.78% Cholamandalam Investment & Finance Company 18/06/2027 Non Convertible Debenture AA+ 2.21 - 2.28 2.25
down Canara Bank 14/03/2023 Certificate of Deposit A1+ 0.00 - 3.56 2.10
equal 7.40% Summit Digitel Infrastructure 28/09/2028 Debenture AAA 0.00 - 1.86 1.86
equal 8.00% Yes Bank 30/09/2026 Bonds BBB+ 0.00 - 1.67 1.67
equal Shriram Transport Finance Company 16/06/2023 Non Convertible Debenture AA+ 0.00 - 1.59 1.59
equal 6.40% National Bank Agr. Rur. Devp 31/07/2023 Non Convertible Debenture AAA 0.00 - 1.59 1.58
equal 7.42% Union Bank of India Additional Tier 2 Bond AA+ 1.54 - 1.59 1.57
equal 7.15% Tata Motors Finance 25/06/2024 Non Convertible Debenture AA- 0.00 - 1.55 1.55
equal 6.85% Can Fin Homes 30/06/2025 Non Convertible Debenture AA+ 0.00 - 1.55 1.55
equal 6.72% India Grid Trust 14/09/2026 Non Convertible Debenture AAA 0.00 - 1.57 1.54
equal 6.09% Power Finance Corporation 27/08/2026 Non Convertible Debenture AAA 0.00 - 1.56 1.53
equal 5.22% GOI 15/06/2025 GOI Securities SOV 1.50 - 1.55 1.52
new 6.67% GOI 15/12/2035 GOI Securities SOV 0.00 - 1.51 1.48
equal First Business Receivable Trust Securitised Debt AAA 0.67 - 0.73 1.45
equal 7.20% HDFC 13/04/2023 Non Convertible Debenture AAA 1.24 - 1.29 1.27

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 19.27 2.12 1.37 2.12
down ICICI Bank Financial 19.64 2.11 0.00 1.86
down Infosys Technology 27.70 2.22 0.78 1.76
equal Axis Bank Financial 14.64 1.32 0.00 1.27
down Bharti Airtel Communication 95.05 1.17 0.00 1.11
equal State Bank of India Financial 11.67 0.97 0.00 0.93
down ITC Consumer Staples 22.63 0.62 0.00 0.62
down Bajaj Auto Automobile 17.77 0.66 0.00 0.61
equal Aditya Birla Fashion and Retail Services -- 0.53 0.00 0.51
equal Cipla Healthcare 31.37 0.49 0.00 0.48
down Eicher Motors Automobile 44.15 0.47 0.26 0.47
equal Tech Mahindra Technology 19.82 0.51 0.00 0.43
down Sun Pharmaceutical Industries Healthcare 34.09 0.41 0.22 0.41
equal Maruti Suzuki India Automobile 59.08 0.64 0.35 0.40
equal Bharat Forge Automobile 29.03 0.42 0.00 0.40
equal Crompton Greaves Consumer Electricals Consumer Discretionary 33.39 0.49 0.19 0.39
up Jubilant FoodWorks Services 75.00 0.59 0.35 0.38
new Indusind Bank Financial 14.46 1.21 0.00 0.37
equal AIA Engineering Metals & Mining 30.22 0.35 0.00 0.35
down Coromandel International Chemicals 17.81 0.35 0.00 0.35
equal Shree Cement Materials 32.11 0.83 0.31 0.34
equal ICICI Prudential Life Insurance Co. Ltd. Insurance 96.86 0.35 0.00 0.34
equal CESC Energy 7.71 0.32 0.00 0.32
equal Fortis Healthcare Healthcare 34.27 0.34 0.00 0.32
equal Brigade Enterprises Construction 124.19 0.36 0.00 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 30-Apr-2022

*As on 31-Mar-2022

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:

Invest Online
0.49%

Change from previous, NAV as on 20-May-2022

Growth: ₹ 50.4956

Monthly Payment: ₹ 50.5215

More

IDCW Monthly: ₹ 15.3778

Flexi IDCW: ₹ 37.3330

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: 9.18%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,601 Cr (As on 30-Apr-2022)
Expense: 1.82% (As on 30-Apr-2022)
Risk Grade: Above Average
Return Grade: Above Average
Turnover: 82.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly02-May-20220.0800

 04-Apr-20220.0800
 02-Mar-20220.0800
 01-Feb-20220.0800
 03-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
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: 1st Floor, Signature, Office No.103 Valsad Dharampur Road Mumbai - 396001

Phone: 0263 2296993

Fax: (0260) 2421315

Website: http://www.utimf.com

Registrar & Transfer Agent: KFin Technologies 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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