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Unrated

Tata Young Citizens Fund - Regular Plan


Hybrid: Balanced Hybrid

1 Lakh

Investment Grown to
₹ 1.01 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.70 Lakh

Suitability:

When you invest for five years or more, you can expect gains that beat the inflation rate as well as the returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Balanced hybrid funds invest roughly half your money in equity shares and the rest in bonds. Their returns are lower than pure equity funds which invest all your money in shares, but they also fall less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

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

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 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • 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 -0.99 0.45 2.01 4.27 20.02 -3.08 8.10 0.21 3.69 8.66 7.61
VR Balanced TRI -5.13 0.10 1.11 3.43 17.56 -4.87 4.87 5.31 6.97 11.21 8.61
Hybrid: Balanced Hybrid -3.78 0.14 1.06 2.39 13.10 -5.14 3.18 1.72 4.80 9.34 7.66
Rank within category 6 2 2 1 1 6 1 7 6 6 5
Number of funds in category 10 10 10 10 10 10 10 10 8 8 8

As on 07-Aug-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Young Citizens Fund - Regular Plan  | Invest Online
Unrated
Oct-95 8.10 0.21 3.69 2.53 169
ICICI Prudential Asset Allocator (FOF) Fund  | Invest Now
Unrated
Dec-03 5.96 6.04 8.83 1.24 7,327
UTI Children's Career Fund-Savings Plan - Regular Plan  | Invest Online
Unrated
Jul-93 4.90 1.83 5.13 1.75 3,426
UTI Retirement Benefit Pension Fund - Regular Plan  | Invest Online
Unrated
Dec-94 4.88 1.33 4.98 2.05 2,745
Axis Children's Gift - Regular Plan  | Invest Online
Unrated
Dec-15 7.25 5.39 -- 2.49 455

Best & Worst Performance

Best (Period) Worst (Period)
Week 10.43 (24-Mar-2020 - 31-Mar-2020) -16.62 (11-Mar-2020 - 18-Mar-2020)
Month 20.24 (23-Mar-2020 - 22-Apr-2020) -33.37 (20-Feb-2020 - 23-Mar-2020)
Quarter 34.84 (23-Mar-2020 - 22-Jun-2020) -31.90 (23-Dec-2019 - 23-Mar-2020)
Year 74.03 (22-Feb-1999 - 22-Feb-2000) -31.55 (04-Dec-2007 - 03-Dec-2008)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 1.62 18.73 -0.19 -0.20 1.01 -4.72
VR Balanced TRI 6.33 17.40 0.06 0.07 -- --
Hybrid: Balanced Hybrid 2.31 13.01 -0.24 -0.26 0.69 -3.67
Rank within category 6 9 4 4 9 7
Number of funds in category 10 10 10 10 10 10

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 36
Top 10 Holdings (%) 47.18
Top 5 Holdings (%) 30.87
Top 3 Sectors (%) 51.70
Portfolio P/B Ratio 3.54
Portfolio P/E Ratio 25.33

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 7.90% India Infradebt 31/10/2022 Debenture AAA 2.61 - 3.52 3.03
equal 8.10% SBI Cards & Payments Services 17/10/2023 Debenture AAA 2.07 - 5.42 2.41

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
equal HDFC Bank Financial 20.14 10.03 1.35 9.14
down Reliance Industries Energy 34.17 8.46 0.00 8.46
equal ICICI Bank Financial 22.79 7.68 0.00 5.53
up Bharti Airtel Communication -- 4.04 0.00 4.01
equal Kotak Mahindra Bank Financial 31.19 8.66 0.00 3.74
up Infosys Technology 23.78 3.66 0.00 3.66
up Tata Consultancy Services Technology 27.59 3.57 0.00 3.57
equal MRF Automobile 18.69 3.19 0.00 3.06
down Bayer CropScience Healthcare 46.69 3.45 0.00 2.98
down Cadila Healthcare Healthcare 30.14 3.39 0.00 2.92
equal ITC FMCG 16.68 7.08 1.80 2.88
equal Hindustan Unilever FMCG 75.78 4.91 0.00 2.53
equal HDFC Financial 14.05 3.10 0.00 2.49
down Muthoot Finance Financial 15.55 3.44 1.63 2.45
equal Dr. Reddy's Lab Healthcare 39.09 2.78 0.00 2.24
equal Oracle Fin Ser Software Technology 17.23 2.58 0.00 2.12
equal Titan Company Cons Durable 64.49 2.62 0.00 2.08
equal ICICI Lombard General Insurance Company Financial 48.13 2.26 0.00 2.02
down Balkrishna Industries Automobile 27.19 2.47 0.00 1.91
equal Blue Dart Express Services -- 2.35 0.00 1.81
equal Jubilant FoodWorks Services 88.19 2.14 0.00 1.79
down Radico Khaitan FMCG 23.73 2.22 0.00 1.70
equal Gujarat Gas Chemicals 20.36 1.51 0.00 1.51
equal United Spirits FMCG 198.13 3.06 0.00 1.47
new Sun Pharmaceutical Inds. Healthcare 174.77 1.45 0.00 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

As on 30-Jun-2020

Fund Manager

— Akhil Mittal since 31-Jul-2015

Education: Mr. Mittal is B.Com (H) and MBA from University Business School.

Experience: Prior to joining Tata AMC, he has worked with Canara Robeco AMC, Principal Asset Management Company, Edelweiss Securities Ltd. and Rallis India Ltd.

Funds Managed:

— Ennette Fernandes since 18-Jun-2018

Education: Ms. Fernandes is B.com & PGDBM

Experience: Prior to joining TATA Mutual Fund she has worked with Phillip Capital India Pvt. Limited as Junior Research Analyst on FMCG sector.

Funds Managed:

— Sonam Udasi since 01-Apr-2016

Education: Mr. Udasi is a B.Com and also holds PGDM(Finance).

Experience: Prior to joining Tata AMC he was associated with ASK Raymond James (Jun 2005-Jan 2006) as Lead Analyst (Reporting to Head Research), JM Financial AMC (Feb 2006-June 2007) as Senior Analyst (Reporting to CIO), Prime Securities (Aug 2007-Oct 2008) as Head Research (Reporting to President), BRICS Securities (Nov 2008-Apr 2010) as Consumer Vertical (Reporting to Head Equities) and IDBI Capital Market Services Ltd (Jun 2010-March 2014) as Head Research (Reporting to Executive VP).

Interviews:

Funds Managed:


0.45%

Change from previous, NAV as on 07-Aug-2020

Dividend: ₹ 25.7238


Investment Strategy

The Scheme seeks to generate long term capital growth.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 150
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Exit Load For Redemption or switch out of units before the attainment of retirement age i.e 18 years

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 14-Oct-1995
Return Since Launch: 11.65%
Benchmark: S&P BSE 200 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 169 Cr (As on 30-Jun-2020)
Expense: 2.53% (As on 30-Jun-2020)
Risk Grade: --
Return Grade: --
Turnover: 61.38%

Contact Information

AMC: Tata Asset Management Private Ltd

Address: 9th Floor, Mafatlal Centre, Nariman Point, Mumbai - 400021

Phone: 1800-209-0101

Email: [email protected]

Website: http://www.tatamutualfund.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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