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Aditya Birla Sun Life Regular Savings Fund download report

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.33 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.26 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
Aditya Birla SL Regular Savings-G 3.96 0.47 0.85 3.01 4.02 1.45 7.11 9.91 6.27 8.14 10.41
VR MIP TRI 2.59 0.86 1.33 5.45 5.48 2.45 5.64 9.37 8.36 8.40 9.19
Hybrid: Conservative Hybrid 2.24 0.56 0.91 3.18 3.81 2.28 5.31 8.01 6.20 7.07 8.53
Rank within category 3 22 20 24 17 20 7 7 14 5 2
Number of funds in category 34 35 35 35 35 34 34 30 28 27 26

As on 17-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
4 star
 May-04 7.11 9.91 6.27 1.88 1,657
SBI Conservative Hybrid Fund  | Invest Online
4 star
 Mar-01 7.97 11.37 7.58 1.10 6,286
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 7.03 9.85 8.21 1.74 3,267
HDFC Hybrid Debt Fund  | Invest Online
4 star
 Dec-03 6.17 10.07 7.11 1.86 2,689
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
 Dec-03 6.47 11.65 8.43 1.84 1,523

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 5.37 11-Dec-2008 - 18-Dec-2008 -6.65 16-Mar-2020 - 23-Mar-2020
Month 12.62 03-Dec-2008 - 02-Jan-2009 -13.49 20-Feb-2020 - 23-Mar-2020
Quarter 19.48 12-Mar-2009 - 11-Jun-2009 -13.17 23-Dec-2019 - 23-Mar-2020
Year 35.07 25-Nov-2008 - 25-Nov-2009 -18.78 26-Oct-2007 - 27-Oct-2008

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Aditya Birla SL Regular Savings-G 9.44 7.73 0.77 0.70 0.92 1.43
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 5 27 11 17 31 10
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 54
Number of Bonds 86
Average Maturity (yrs) 2.81
Top 10 Holdings (%) 25.23
Portfolio P/B Ratio 3.68
Portfolio P/E Ratio 27.41

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 Tata Motors Finance 364-D 16/12/2022 Commercial Paper A1+ 0.00 - 5.93 5.89
up 8.45% Sikka Ports and Terminals 2023 Debenture AAA 0.00 - 3.68 3.67
equal 6.93% Manappuram Finance 28/01/2024 Non Convertible Debenture AA 0.00 - 2.10 2.08
equal 5.83% State Bank of India Additional Tier 2 Bond AAA 0.00 - 2.02 2.01
equal 5.15% GOI 2025 GOI Securities SOV 0.00 - 2.02 2.01
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 0.00 - 2.96 1.83
new Indian Bank 2023 Certificate of Deposit A1+ 0.00 - 1.76 1.76
up 5.63% GOI 2026 GOI Securities SOV 0.00 - 2.84 1.74
down 4.45% GOI 30/10/2034 GOI Securities SOV 0.00 - 2.32 1.73
equal 8.37% REC 2028 Debenture AAA 1.44 - 2.19 1.58
equal First Business Receivable Trust Securitised Debt AAA 0.68 - 1.03 1.57
equal 8.50% L&T Finance 17/02/2023 Debenture AAA 0.75 - 2.55 1.52
equal 7.67% Tamilnadu State 22/03/2023 State Development Loan SOV 0.00 - 1.54 1.52
equal 7.42% Power Finance Corporation 19/11/2024 Non Convertible Debenture AAA 0.00 - 2.00 1.52
equal 7.15% SIDBI 2025 Debenture AAA 0.00 - 1.52 1.51
equal 7.40% Muthoot Finance 2024 Debenture AA+ 0.00 - 1.52 1.50
equal SIDBI 22/02/2023 Certificate of Deposit A1+ 0.00 - 1.47 1.46
equal 7.08% Karnataka State 14/12/2026 State Development Loan SOV 0.00 - 1.38 1.38
equal 7.20% Sikka Ports and Terminals 16/06/2023 Zero Coupon Bonds AAA 0.40 - 1.45 1.21
equal 6.98% Power Finance Corporation 20/04/2023 Non Convertible Debenture AAA 0.00 - 1.22 1.21
equal 6.50% National Bank Agr. Rur. Devp 17/04/2023 Debenture AAA 0.00 - 1.22 1.21
equal 5.09% National Bank Agr. Rur. Devp 2024 Non Convertible Debenture AAA 0.00 - 1.21 1.20
equal 5.70% Bajaj Finance 2023 Debenture AAA 0.00 - 1.41 1.19
equal 10.15% Uttar Pradesh Power Corporation 20/01/2023 Debenture A+ 1.07 - 2.87 1.07
equal 10.50% Indusind Bank Additional Tier 1 Bond AA 0.83 - 1.24 0.94

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 22.21 2.51 1.00 2.51
equal HDFC Bank Financial 21.15 2.27 1.18 1.54
equal Infosys Technology 29.90 2.25 0.00 1.27
equal IRB InvIT Fund Construction -- 1.76 0.69 1.26
down Reliance Industries Energy 27.12 2.16 0.00 0.98
equal Axis Bank Financial 14.56 1.49 0.61 0.83
equal State Bank of India Financial 13.45 0.87 0.00 0.80
equal Bharti Airtel Communication 78.28 1.10 0.00 0.77
equal HDFC Financial 19.82 0.97 0.00 0.74
equal Larsen & Toubro Construction 28.94 0.74 0.00 0.74
equal Sun Pharmaceutical Industries Healthcare 56.51 0.73 0.00 0.73
equal Bajaj Finance Financial 52.60 2.13 0.45 0.60
equal Hindalco Inds. Metals & Mining 6.54 0.60 0.00 0.60
equal Tata Motors Automobile -- 0.52 0.00 0.52
equal Ultratech Cement Materials 26.81 0.51 0.00 0.51
equal United Breweries Consumer Staples 90.87 0.50 0.00 0.50
equal SBI Cards & Payments Services Financial 46.60 0.46 0.00 0.46
equal Polycab India Capital Goods 34.82 0.61 0.00 0.46
equal Cummins India Capital Goods 39.09 0.44 0.00 0.44
equal Craftsman Automation Automobile 30.09 0.53 0.00 0.44
equal V-Mart Retail Services 96.63 0.74 0.15 0.44
equal HDFC Life Insurance Insurance 89.44 0.80 0.23 0.43
new Indusind Bank Financial 15.80 0.41 0.00 0.41
equal Hindustan Unilever Consumer Staples 68.75 0.53 0.00 0.41
equal Crompton Greaves Consumer Electricals Consumer Discretionary 41.56 0.72 0.23 0.39

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

Fund Manager

— Dhaval Shah since 14-May-2020

Education: Mr.Shah has done B.Com. from University of Mumbai & MBA from Somaiya Institute of Management Studies & Research. He also holds CFA designation.

Experience: Prior to joining Aditya Birla Sunlife Mutual Fund he has worked with HDFC Mutual Fund, Reliance Mutual Fund, Morgan Stanley.

Funds Managed:

— Harshil Suvarnkar since 22-Mar-2021

— Satyabrata Mohanty since 18-Jun-2009

Education: Mr. Mohanty is a B.Com (H), Chartered Accountant and CFA.

Experience: Prior to joining ABSLAMC, he worked with Aditya Birla Management Corporation Ltd.

Funds Managed:

Invest Online
0.04%

Change from previous, NAV as on 18-Aug-2022

Growth: ₹ 52.0931

IDCW Monthly: ₹ 15.6041

Investment Strategy

The scheme primarily seeks to generate regular income through a predominant exposure to debt and money market instruments. It also aims at capital growth through an equity exposure of maximum 25 per cent.

Investment Details

Min. Investment (₹) 500
Min. Addl Investment (₹) 500
Min. SIP Investment (₹) 500
Min. No of Cheques 6
Min. Withdrawal (₹) 1
Min. Balance (₹) 500
Lock-in Period Not Applicable
Exit Load 1% for redemption within 90 days

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 22-May-2004
Return Since Launch: 9.46%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,657 Cr (As on 31-Jul-2022)
Expense Ratio: 1.88% (As on 31-Jul-2022)
Risk Grade: Above Average
Return Grade: Above Average
Turnover: 119.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly29-Jul-20220.0716

 24-Jun-20220.0580
 27-May-20220.0594
 29-Apr-20220.0747
 25-Mar-20220.0597
 25-Feb-20220.0586
 28-Jan-20220.0592
 31-Dec-20210.0741
 26-Nov-20210.0595
 29-Oct-20210.0749
 24-Sep-20210.0586
 27-Aug-20210.0582
 30-Jul-20210.0723
 25-Jun-20210.0572
 28-May-20210.0567
 30-Apr-20210.0706
 26-Mar-20210.0564
 26-Feb-20210.0554
 29-Jan-20210.0627
 28-Dec-20200.0596
 27-Nov-20200.0456
 02-Nov-20200.0682
 25-Sep-20200.0608
 28-Aug-20200.0599
 31-Jul-20200.0730

Contact Information

AMC: Aditya Birla Sun Life AMC Ltd.

Address: One India Bulls Center - Tower 1, 17th Floor - Jupiter Mills Compound, 841 Senapati Bhawan, Elphinstone Road, Mumbai - 400013

Fax: 022-43568110

Website: http://mutualfund.adityabirlacapital.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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