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ICICI Prudential Regular Savings Fund download report

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Hybrid: Conservative Hybrid

Analysts' Choiceunlock it

1 Lakh

Investment Grown to
₹ 1.31 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.09 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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(₹)
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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
ICICI Pru Regular Savings-G 2.16 0.12 0.11 1.57 2.82 1.91 6.41 9.38 7.89 8.92 10.24
VR MIP TRI 1.21 0.24 0.50 3.61 3.96 1.76 5.25 8.82 8.01 8.18 9.06
Hybrid: Conservative Hybrid 1.18 0.13 0.17 2.06 2.73 1.44 4.64 7.49 5.91 6.90 8.47
Rank within category 5 18 24 28 16 8 10 8 3 3 3
Number of funds in category 35 36 36 36 36 35 35 31 29 28 26

As on 08-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 6.41 9.38 7.89 1.74 3,267
SBI Conservative Hybrid Fund  | Invest Online
4 star
 Mar-01 7.02 11.12 7.41 1.10 6,286
HDFC Hybrid Debt Fund  | Invest Online
4 star
 Dec-03 4.88 9.54 6.78 1.85 2,689
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
4 star
 May-04 6.54 9.54 5.92 1.88 1,657
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
 Dec-03 5.38 11.17 8.19 1.83 1,523

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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
ICICI Pru Regular Savings-G 8.96 4.53 1.21 1.29 0.58 2.60
VR MIP TRI 8.41 7.21 0.68 0.88 -- --
Hybrid: Conservative Hybrid 7.33 6.38 0.63 0.77 0.66 0.59
Rank within category 8 6 1 2 9 5
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 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 22
Number of Bonds 58
Average Maturity (yrs) * 5.21
Top 10 Holdings (%) 36.90
Portfolio P/B Ratio 2.79
Portfolio P/E Ratio 21.91

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 4.45% GOI 30/10/2034 GOI Securities SOV 0.00 - 12.15 11.95
equal 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 3.81 3.77
equal 6.67% GOI 15/12/2035 GOI Securities SOV 0.00 - 5.80 3.50
equal HDFC Bank 20/06/2024 Interest Rate Swap -- 0.00 - 3.12 3.06
equal 6.58% L&T Metro Rail (Hyderabad) 30/04/2026 Non Convertible Debenture AAA 0.00 - 2.59 2.50
equal 8.75% Nayara Energy 13/08/2024 Non Convertible Debenture AA- 0.00 - 2.27 2.23
equal 9.40% IDBI Bank Additional Tier 1 Bond A+ 0.00 - 2.19 2.12
equal 7.40% Muthoot Finance 2024 Debenture AA+ 1.96 - 2.02 1.98
equal 8.90% Prestige Estates Projects 29/11/2024 Non Convertible Debenture A+ 0.00 - 1.82 1.81
equal 6.70% DLF Cyber City Developers 30/09/2024 Debenture AA 0.00 - 1.81 1.77
equal 9.75% Prism Johnson 21/08/2023 Non Convertible Debenture A+ 1.50 - 1.55 1.52
equal 6.65% Motherson Sumi Systems 14/09/2023 Non Convertible Debenture AAA 1.50 - 1.55 1.52
equal 6.43% Godrej Industries 26/04/2024 Non Convertible Debenture AA 1.49 - 1.53 1.50
equal 6.63% ONGC Petro Additions 2024 Non Convertible Debenture AA 1.48 - 1.52 1.50
equal 6.25% Embassy Office Parks REIT 18/10/2024 Debenture AAA 0.00 - 1.51 1.49
equal Tata Value Homes 23/09/2022 Non Convertible Debenture AA 1.34 - 1.41 1.38
equal 7.75% JM Financial Products 13/01/2023 Non Convertible Debenture AA 1.18 - 1.24 1.22
equal Tata Motors Finance 27/02/2023 Debenture AA- 1.19 - 1.25 1.22
equal 7.45% Manappuram Finance 22/12/2023 Non Convertible Debenture AA 1.20 - 1.24 1.22
equal 7.30% Tata Realty and Infrastructure 2023 Debenture AA 1.21 - 1.25 1.22
equal 7.90% SIS 30/03/2023 Non Convertible Debenture AA- 1.18 - 1.23 1.21
equal 7.45% Land Kart Builders 13/12/2024 Non Convertible Debenture AA 0.00 - 1.21 1.19
equal 9.61% IDFC First Bank 15/04/2024 Debenture AA 1.08 - 1.12 1.10
equal 10.55% JMC Projects (I) 21/10/2022 Non Convertible Debenture AA- 0.00 - 1.09 1.07
equal 7.45% Torrent Power 8-D 11/03/2027 Non Convertible Debenture AA+ 0.00 - 0.91 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
equal Bharti Airtel Communication 76.10 4.32 0.00 2.93
down ICICI Bank Financial 21.32 4.75 0.89 2.85
down SBI Life Insurance Company Insurance 82.68 2.73 0.00 1.64
down State Bank of India Financial 13.06 1.76 0.00 1.57
new Reliance Industries Energy 26.25 2.10 0.00 1.51
down HDFC Bank Financial 20.55 3.27 0.44 1.44
equal ICICI Lombard General Insurance Company Insurance 42.38 1.00 0.00 0.96
down Mahindra & Mahindra Automobile 18.85 1.01 0.00 0.77
down HDFC Financial 19.04 1.08 0.00 0.71
equal Lupin Healthcare -- 0.80 0.00 0.71
up Hindustan Petroleum Corporation Energy -- 0.68 0.00 0.68
down Larsen & Toubro Construction 28.42 2.77 0.00 0.61
down Dr. Reddy's Lab Healthcare 23.58 1.07 0.00 0.54
down Container Corporation Of India Services 38.43 1.06 0.00 0.52
down Sundaram Finance Financial 20.69 0.34 0.00 0.30
equal NTPC Energy 9.18 1.41 0.00 0.27
equal Tata Communications Communication 17.84 0.26 0.00 0.26
equal Gland Pharma Healthcare 34.88 0.26 0.00 0.21
equal Zydus Wellness Consumer Staples 32.44 0.32 0.00 0.20
down Nazara Technologies Technology 133.18 0.28 0.00 0.20
equal JM Financial Financial 8.15 0.26 0.00 0.18
equal Glaxosmithkline Pharma Healthcare 14.46 0.29 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-Jul-2022

*As on 30-Jun-2022

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:

— Roshan Chutkey since 02-May-2022

Education: Roshan Chutkey did his engineering from IIT Madras, MBA from IIM Lucknow and has a Masters in Finance degree from London Business School.

Experience: He is associated with ICICI Prudential AMC from February 2015 and has 12 years of overall experience in the industry.

Funds Managed:

Invest Now
0.12%

Change from previous, NAV as on 08-Aug-2022

Growth: ₹ 56.5410

IDCW Quarterly: ₹ 11.5583

More

IDCW Monthly: ₹ 13.8198

IDCW Half Yearly: ₹ 12.7089

Investment Strategy

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

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 500
Min. SIP Investment (₹) 100
Min. No of Cheques 6
Min. Withdrawal (₹) 1
Min. Balance (₹) --
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: ICICI Prudential Mutual Fund
Launch Date: 30-Mar-2004
Return Since Launch: 9.89%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 3,267 Cr (As on 31-Jul-2022)
Expense Ratio: 1.74% (As on 30-Jun-2022)
Risk Grade: Low
Return Grade: High
Turnover: 74.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly29-Jul-20220.0926

 31-Mar-20220.0169
 31-Jan-20220.1158
 31-Dec-20210.0358
 29-Oct-20210.0458
 30-Sep-20210.2754
 31-Aug-20210.3254
 30-Jul-20210.0876
 30-Jun-20210.0509
 31-May-20210.2133
 30-Apr-20210.0774
 31-Mar-20210.0310
 26-Feb-20210.1336
 31-Dec-20200.2505
 27-Nov-20200.3551
 29-Oct-20200.1616
 30-Sep-20200.0368
 28-Aug-20200.2462
 31-Jul-20200.2924
 27-Feb-20200.0380
 30-Jan-20200.0421
 30-Dec-20190.0434
 28-Nov-20190.1217
 29-Oct-20190.1297
 27-Sep-20190.1239
IDCW Half Yearly31-Mar-20220.1082

 30-Sep-20210.9187
 31-Mar-20210.8669
 30-Sep-20200.9912
 26-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
IDCW Quarterly20-Jan-20220.2456

 30-Sep-20210.5448
 30-Jun-20210.2931
 31-Mar-20210.1527
 30-Dec-20200.5930
 29-Sep-20200.4571
 26-Jun-20200.0166
 27-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

Contact Information

AMC: ICICI Prudential Asset Management Company Ltd

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

Fax: 022-26528100

Website: http://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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