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Mutual Fund Publication

ICICI Prudential Regular Savings Fund

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Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.29 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.08 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:

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 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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
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
Fund 1.20 -0.07 -0.31 0.50 1.92 6.23 10.46 8.72 8.71 10.63 9.91
VR MIP TRI 0.00 -0.23 -0.63 -0.48 0.73 4.13 9.21 8.23 7.29 8.87 8.31
Hybrid: Conservative Hybrid 0.91 -0.19 -0.38 0.05 1.19 4.60 7.55 5.95 6.62 8.59 8.31
Rank within category 24 10 23 15 13 8 9 2 2 2 2
Number of funds in category 38 38 38 38 37 37 35 35 32 30 26

As on 26-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 5.62 (08-Dec-2008 - 16-Dec-2008) -6.74 (01-Oct-2008 - 08-Oct-2008)
Month 10.64 (19-Nov-2008 - 19-Dec-2008) -11.01 (24-Sep-2008 - 24-Oct-2008)
Quarter 22.32 (12-Mar-2009 - 11-Jun-2009) -12.09 (28-Jul-2008 - 27-Oct-2008)
Year 35.27 (25-Nov-2008 - 25-Nov-2009) -17.58 (26-Oct-2007 - 27-Oct-2008)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 8.24 3.05 0.84 1.39 0.65 0.98
VR MIP TRI 8.13 4.10 0.60 0.95 -- --
Hybrid: Conservative Hybrid 5.80 4.21 0.08 0.18 0.75 -1.72
Rank within category 2 8 2 2 13 2
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-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 27
Number of Bonds 29
Average Maturity (yrs) 3.53
Top 10 Holdings (%) 54.46
Portfolio P/B Ratio 3.86
Portfolio P/E Ratio 31.81

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
up 7.57% GOI 17/06/2033 GOI Securities SOV 0.00 - 9.04 9.04
equal 8.37% HUDCO 25/03/2029 Debenture AAA 0.00 - 6.50 6.11
equal 11.95% Aqua Space Developers 27/06/2022 Non Convertible Debenture A 5.80 - 6.29 5.80
equal 9.50% Nayara Energy 29/07/2021 Bonds/NCDs AA 5.73 - 6.27 5.73
equal 8.55% Talwandi Sabo Power 23/04/2021 Debenture AA 5.71 - 6.09 5.71
equal Muthoot Finance 2021 Non Convertible Debenture AA 0.00 - 5.40 5.22
equal 2.00% Tata Steel 23/04/2022 Debenture AA 4.42 - 4.59 4.53
equal 10.50% Prestige Estates Projects 2021 Non Convertible Debenture A+ 4.27 - 4.66 4.27
equal TMF Holdings 28/03/2022 Zero Coupon Bonds AA- 0.00 - 4.25 4.18
equal 9.40% IDBI Bank Bonds A 3.87 - 4.18 3.87
equal Embassy Office Parks REIT 2022 Non Convertible Debenture AAA 0.00 - 3.81 3.73
equal 8.95% Jamnagar Utilities and Power 26/04/2023 Debenture AAA 3.23 - 3.41 3.23
equal 8.75% Axis Bank 28/06/2022 Bonds AA+ 2.61 - 2.73 2.61
equal Tata Value Homes 23/09/2022 Non Convertible Debenture AA 0.00 - 2.73 2.60
equal 10.25% Sikka Ports and Terminals 22/08/2021 Debenture AAA 2.34 - 2.52 2.34
equal 10.55% JMC Projects (I) 21/10/2022 Non Convertible Debenture A+ 0.00 - 2.08 2.00
equal SREI Equipment Finance Zero Coupon Bonds AA 0.00 - 2.44 2.00
equal 9.20% ICICI Bank 31/12/2050 Bonds AA+ 1.47 - 1.55 1.47
equal PVR 2021 Debenture AA- 0.00 - 1.25 1.17
equal 9.95% Indian Hotels 27/07/2021 Debenture AA 0.89 - 0.96 0.89
equal Magma Fincorp 15/11/2022 Zero Coupon Bonds AAA 0.68 - 1.62 0.68
equal Embassy Office Parks REIT 2022 Zero Coupon Bonds AAA 0.00 - 0.59 0.59
equal Magma Fincorp Zero Coupon Bonds AAA 0.00 - 0.86 0.39
equal 8.40% Power Grid Corporation 27/05/2024 Debenture AAA 0.30 - 0.32 0.30
equal HDFC Bank 91-D 12/03/2020 Fixed Deposits -- 0.00 - 0.31 0.30

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 ICICI Bank Financial 35.73 1.57 0.00 1.50
equal HDFC Bank Financial 25.01 1.60 1.23 1.43
equal PVR Services 70.55 1.40 0.91 1.11
equal Motherson Sumi Systems Automobile 25.13 1.86 0.79 1.02
equal State Bank of India Financial 24.94 1.16 0.67 0.78
equal Bajaj Finserv Financial 37.27 0.96 0.47 0.75
equal Axis Bank Financial 43.00 0.78 0.00 0.74
equal Britannia Inds. FMCG 55.21 1.54 0.62 0.72
equal Maruti Suzuki India Automobile 30.47 1.96 0.60 0.71
equal Reliance Industries Energy 20.34 0.75 0.00 0.67
equal Avenue Supermarts Services 125.20 0.76 0.00 0.66
equal Asian Paints Chemicals 64.50 0.68 0.00 0.65
equal KNR Constructions Construction 13.20 1.33 0.42 0.64
equal Eicher Motors Automobile 22.69 0.74 0.00 0.64
equal TVS Motor Co. Automobile 30.03 1.46 0.49 0.61
equal Indian Hotels Services 42.25 0.60 0.00 0.51
equal ITC FMCG 16.29 0.89 0.39 0.46
equal Tata Consultancy Services Technology 24.58 0.52 0.00 0.45
equal Interglobe Aviation Services 43.51 0.64 0.00 0.45
equal Cipla Healthcare 20.42 0.63 0.28 0.28
equal Biocon Healthcare 42.75 0.26 0.00 0.25
equal Bharat Electronics Engineering 14.23 0.56 0.00 0.23
equal Prism Johnson Construction 44.17 0.45 0.00 0.19
equal Hindustan Unilever FMCG 71.30 0.60 0.00 0.18
equal Tech Mahindra Technology 17.96 0.75 0.00 0.09

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-Jan-2020

Fund Manager

— Manish Banthia since 16-Sep-2013

Education: Mr. Banthia is B.Com, CA and MBA

Experience: He is associated with ICICI Prudential Asset Management Company since Oct 2005, ICICI Prudential AMC - Fixed Income Investments - Aug 2007 to Oct 2009, ICICI Prudential AMC - New Product Development - Oct 2005 to Jul 2007, Aditya Birla Nuvo Ltd. - From May 2005 to Oct 2005, Aditya Birla Management Corporation Ltd. - From May 2004 to May 2005.

Funds Managed:

— Rajat Chandak since 18-Feb-2015

Education: Mr. Chandak is a B.Com (H) and MBA.

Experience: He has been associated with ICICI Prudential AMC since 2008.

Funds Managed:

Invest Now
-0.07%

Change from previous, NAV as on 26-Feb-2020

Growth: ₹ 45.9356

Dividend Quarterly: ₹ 11.4407

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Dividend Monthly: ₹ 13.8401

Dividend Half Yearly: ₹ 12.9124

Bonus: ₹ 19.1843

Investment Strategy

The scheme seeks to generate long-term capital appreciation by investments in money market and debt instruments.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 100
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1
Minimum Balance (₹) --
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: ICICI Prudential Mutual Fund
Launch Date: 30-Mar-2004
Return Since Launch: 10.05%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,737 Cr (As on 31-Jan-2020)
Expense: 1.95% (As on 31-Jan-2020)
Risk Grade: Below Average
Return Grade: High
Turnover: 2.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly30-Jan-20200.0421

 30-Dec-20190.0434
 28-Nov-20190.1217
 29-Oct-20190.1297
 27-Sep-20190.1239
 27-Jun-20190.0391
 29-May-20190.1173
 30-Apr-20190.0446
 28-Mar-20190.2023
 26-Feb-20190.0756
 29-Jan-20190.0434
 28-Dec-20180.0758
 30-Nov-20180.0856
 29-Oct-20180.0416
 28-Sep-20180.0439
 27-Aug-20180.0851
 27-Jul-20180.1233
 27-Jun-20180.0564
 17-May-20180.0289
 26-Apr-20180.0926
 23-Mar-20180.0385
 23-Feb-20180.0406
 25-Jan-20180.0406
 27-Dec-20170.0462
 24-Nov-20170.0406
Dividend Quarterly27-Dec-20190.3723

 27-Jun-20190.1511
 28-Mar-20190.1943
 28-Dec-20180.2662
 28-Sep-20180.1140
 28-Jun-20180.1062
 27-Dec-20170.2165
 28-Sep-20170.1780
 30-Jun-20170.3926
 31-Mar-20170.3494
 29-Sep-20160.7353
 09-May-20160.1475
 29-Dec-20150.1000
 28-Sep-20150.1879
 26-Jun-20150.1060
 26-Mar-20150.2056
 26-Dec-20140.3060
 26-Sep-20140.2179
 26-Jun-20140.4107
 26-Mar-20140.1442
 26-Dec-20130.1619
 25-Sep-20130.1363
 24-May-20130.2872
 25-Mar-20130.1926
 24-Dec-20120.2376
Dividend Half Yearly26-Sep-20190.1420

 28-Mar-20190.4964
 26-Sep-20180.2038
 27-Mar-20180.1525
 27-Sep-20170.6295
 29-Mar-20170.2690
 28-Sep-20160.9592
 28-Mar-20160.1134
 28-Sep-20150.1470
 25-Mar-20150.4128
 25-Sep-20140.4214
 25-Mar-20140.3024
 24-May-20130.4699
 26-Mar-20130.3267
 26-Sep-20120.3702
 27-Mar-20120.2311
 22-Sep-20110.1960

Contact Information

AMC: ICICI Prudential Asset Management Company Ltd

Address: One BKC , A Wing , 13th Floor, Bandra Kurla Complex, Mumbai - 400051

Phone: 022-26525000 / 1800-222-999 / 1800-200-6666

Fax: 022-26528100

Email: [email protected]

Website: www.icicipruamc.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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