ICICI Prudential Regular Savings Fund

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Hybrid: Conservative Hybrid

Analysts' Choice?

1 Lakh

Investment Grown to

₹ 1.28 Lakh

₹ 10000

Monthly SIP Grown to

₹ 4.23 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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Amount (₹)

Start date

End date

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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	0.70	-0.07	-0.16	1.76	5.02	8.73	11.26	8.57	10.42	11.13	10.15
VR MIP TRI	1.64	-0.13	0.06	3.44	8.17	10.94	12.00	8.79	10.05	9.66	8.76
Hybrid: Conservative Hybrid	1.11	-0.17	-0.31	2.67	7.03	9.96	9.98	5.86	8.24	9.02	8.43
Rank within category	22	10	12	27	26	17	17	5	4	3	3
Number of funds in category	37	37	37	37	37	37	37	34	33	30	29

As on 21-Jan-2021

Peer Comparison

Fund name	Launch Date	1-Year Return	3-Year Return	5-Year Return	Expense Ratio	Assets (Cr)
ICICI Prudential Regular Savings Fund \| Invest Now	Mar-04	11.26	8.57	10.42	1.80	2,734
SBI Debt Hybrid Fund \| Invest Online	Mar-01	14.15	7.34	8.79	1.82	1,012
HDFC Hybrid Debt Fund \| Invest Online	Dec-03	10.45	6.00	8.95	1.90	2,442
UTI Regular Savings Fund - Regular Plan \| Invest Online	Dec-03	13.19	5.44	8.00	1.79	1,664
Aditya Birla Sun Life Regular Savings Fund \| Invest Online	May-04	13.10	5.18	9.33	2.05	1,191

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	8.29	4.54	0.78	0.82	0.60	1.21
VR MIP TRI	8.59	6.92	0.55	0.65	--	--
Hybrid: Conservative Hybrid	5.84	7.51	0.20	0.29	0.86	-2.22
Rank within category	5	5	2	3	8	4
Number of funds in category	35	35	35	35	35	35

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

As on 31-Dec-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks	34
Number of Bonds	54
Average Maturity (yrs)	2.73
Top 10 Holdings (%)	30.83
Portfolio P/B Ratio	4.06
Portfolio P/E Ratio	35.52

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
6.22% GOI 16/03/2035	GOI Securities	SOV	0.00 - 4.19	4.19
5.77% GOI 2030	GOI Securities	SOV	0.00 - 5.34	3.99
9.50% Nayara Energy 29/07/2021	Bonds/NCDs	AA	3.65 - 6.29	3.65
8.55% Talwandi Sabo Power 23/04/2021	Debenture	AA	3.63 - 6.28	3.63
TMF Holdings 28/03/2022	Zero Coupon Bonds	AA-	3.04 - 4.86	3.04
10.50% Prestige Estates Projects 2021	Non Convertible Debenture	A+	2.74 - 4.81	2.74
Embassy Office Parks REIT 2022	Non Convertible Debenture	AAA	2.62 - 4.24	2.62
9.40% IDBI Bank	Bonds	A	2.56 - 4.44	2.56
6.19% GOI 16/09/2034	GOI Securities	SOV	0.00 - 10.44	2.55
2.00% Tata Steel 23/04/2022	Debenture	AA	1.87 - 4.95	1.87
6.65% Motherson Sumi Systems 14/09/2023	Non Convertible Debenture	AAA	0.00 - 2.37	1.87
9.75% Prism Johnson 21/08/2023	Non Convertible Debenture	A	0.00 - 2.61	1.85
6.43% Godrej Industries 26/04/2024	Non Convertible Debenture	AA	0.00 - 2.22	1.83
7.85% Oberoi Realty 2025	Floating Rate Debenture	AA+	0.00 - 2.24	1.82
8.75% Axis Bank 28/06/2022	Bonds	AA+	1.71 - 2.87	1.71
Tata Value Homes 23/09/2022	Non Convertible Debenture	AA	1.66 - 2.93	1.66
10.25% Sikka Ports and Terminals 22/08/2021	Debenture	AAA	1.49 - 2.64	1.49
7.30% Tata Realty and Infrastructure 2023	Debenture	AA	0.00 - 1.60	1.47
7.40% Muthoot Finance 2024	Debenture	AA	0.00 - 1.62	1.47
7.45% Manappuram Finance 22/12/2023	Non Convertible Debenture	AA	0.00 - 1.46	1.46
9.61% IDFC First Bank 15/04/2024	Debenture	AA	0.00 - 1.76	1.36
10.55% JMC Projects (I) 21/10/2022	Non Convertible Debenture	A+	1.30 - 2.25	1.30
8.41% Pune Solapur Expressways 30/03/2029	Debenture	AA	0.00 - 1.23	1.12
9.35% Tata Motors 2023	Debenture	AA-	0.00 - 1.17	0.97
9.20% ICICI Bank 31/12/2050	Bonds	AA+	0.95 - 1.63	0.95

Indicates an increase or decrease or no change in holding since last portfolio
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
ICICI Bank	Financial	27.39	1.64	0.00	1.64
HDFC Bank	Financial	26.46	1.60	1.04	1.07
Avenue Supermarts	Services	183.99	1.03	0.43	1.03
Eicher Motors	Automobile	60.57	1.00	0.25	1.00
Axis Bank	Financial	58.29	1.00	0.00	1.00
Reliance Industries	Energy	34.78	1.52	0.00	0.92
Asian Paints	Chemicals	94.72	0.89	0.00	0.81
Motherson Sumi Systems	Automobile	--	1.86	0.50	0.80
TVS Motor Co.	Automobile	107.29	1.21	0.41	0.75
Hindustan Unilever	FMCG	79.35	0.90	0.00	0.58
Jubilant FoodWorks	Services	271.26	0.52	0.00	0.52
Britannia Inds.	FMCG	48.81	1.54	0.51	0.51
PVR	Services	--	1.40	0.46	0.46
Bharti Airtel	Communication	--	0.46	0.00	0.46
Bajaj Finserv	Financial	39.07	0.96	0.34	0.45
Tech Mahindra	Technology	24.36	0.75	0.00	0.45
HCL Technologies	Technology	20.39	0.69	0.00	0.44
KNR Constructions	Construction	14.89	1.11	0.41	0.44
State Bank of India	Financial	11.22	1.15	0.36	0.43
Maruti Suzuki India	Automobile	60.04	1.75	0.38	0.38
Ipca Laboratories	Healthcare	26.14	0.61	0.00	0.38
Cipla	Healthcare	35.63	0.51	0.25	0.37
Biocon	Healthcare	82.24	0.44	0.00	0.31
Indian Hotels	Services	--	0.60	0.00	0.27
Interglobe Aviation	Services	--	0.67	0.25	0.27

Indicates an increase or decrease or no change in holding since last portfolio
Indicates a new holding since last portfolio

As on 31-Dec-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 21-Jan-2021

Growth: ₹ 50.7094

Dividend Quarterly: ₹ 11.5277

Dividend Monthly: ₹ 13.8143

Dividend Half Yearly: ₹ 13.2030

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

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

Exit Load

For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Fund House:	ICICI Prudential Mutual Fund
Launch Date:	30-Mar-2004
Return Since Launch:	10.13%
Benchmark:	NIFTY 50 Hybrid Composite Debt 15:85
Riskometer:	High
Type:	Open-ended
Assets:	₹ 2,734 Cr (As on 31-Dec-2020)
Expense:	1.80% (As on 31-Dec-2020)
Risk Grade:	Low
Return Grade:	High
Turnover:	2.00%

Plan

Record Date

Dividend (₹ / Unit)

Dividend Monthly

31-Dec-2020

0.2505

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	27-Nov-2020	0.3551
	29-Oct-2020	0.1616
	30-Sep-2020	0.0368
	28-Aug-2020	0.2462
	31-Jul-2020	0.2924
	27-Feb-2020	0.0380
	30-Jan-2020	0.0421
	30-Dec-2019	0.0434
	28-Nov-2019	0.1217
	29-Oct-2019	0.1297
	27-Sep-2019	0.1239
	27-Jun-2019	0.0391
	29-May-2019	0.1173
	30-Apr-2019	0.0446
	28-Mar-2019	0.2023
	26-Feb-2019	0.0756
	29-Jan-2019	0.0434
	28-Dec-2018	0.0758
	30-Nov-2018	0.0856
	29-Oct-2018	0.0416
	28-Sep-2018	0.0439
	27-Aug-2018	0.0851
	27-Jul-2018	0.1233
	27-Jun-2018	0.0564

Dividend Quarterly

30-Dec-2020

0.5930

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	29-Sep-2020	0.4571
	26-Jun-2020	0.0166
	27-Dec-2019	0.3723
	27-Jun-2019	0.1511
	28-Mar-2019	0.1943
	28-Dec-2018	0.2662
	28-Sep-2018	0.1140
	28-Jun-2018	0.1062
	27-Dec-2017	0.2165
	28-Sep-2017	0.1780
	30-Jun-2017	0.3926
	31-Mar-2017	0.3494
	29-Sep-2016	0.7353
	09-May-2016	0.1475
	29-Dec-2015	0.1000
	28-Sep-2015	0.1879
	26-Jun-2015	0.1060
	26-Mar-2015	0.2056
	26-Dec-2014	0.3060
	26-Sep-2014	0.2179
	26-Jun-2014	0.4107
	26-Mar-2014	0.1442
	26-Dec-2013	0.1619
	25-Sep-2013	0.1363

Dividend Half Yearly

30-Sep-2020

0.9912

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	26-Sep-2019	0.1420
	28-Mar-2019	0.4964
	26-Sep-2018	0.2038
	27-Mar-2018	0.1525
	27-Sep-2017	0.6295
	29-Mar-2017	0.2690
	28-Sep-2016	0.9592
	28-Mar-2016	0.1134
	28-Sep-2015	0.1470
	25-Mar-2015	0.4128
	25-Sep-2014	0.4214
	25-Mar-2014	0.3024
	24-May-2013	0.4699
	26-Mar-2013	0.3267
	26-Sep-2012	0.3702
	27-Mar-2012	0.2311
	22-Sep-2011	0.1960

Fundwire - 24-Jul-2019

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Fundwire - 21-Feb-2019

Growth, of course!
Fund News - 29-Oct-2018

Change in Minimum Investment Amount in Two Funds of ICICI Prudential Mutual Fund
Fund News - 29-Oct-2018

Monthly SIP Amount changes in Schemes of ICICI Prudential Mutual Fund
Fund News - 25-May-2018

Benchmark Changes in Schemes of ICICI Prudential Mutual Fund

ICICI Prudential Regular Savings Fund

Analysts' Choice?

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Trailing Returns (%)

Peer Comparison

Best & Worst Performance

Risk Measures (%)

Asset Allocation (%)

Concentration & Valuation

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

Top Debt Holdings

Sector Allocation vis-à-vis Category

Top Equity Holdings

Fund Manager

-0.07%

Investment Strategy

Investment Details

Basic Details

Most Recent Dividends

News & Analysis

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