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2 star

Aditya Birla Sun Life Regular Savings Fund

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.05 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.80 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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(₹)
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 0.82 -0.29 -0.39 1.64 3.51 13.28 1.77 1.62 6.37 9.53 8.61
VR MIP TRI 3.35 -0.44 -0.38 2.02 1.74 9.32 5.70 6.52 7.66 8.76 7.79
Hybrid: Conservative Hybrid 3.24 -0.25 -0.05 1.62 2.63 9.52 4.83 3.94 6.31 8.37 7.57
Rank within category 34 27 35 20 9 5 35 30 20 5 3
Number of funds in category 39 39 39 39 39 39 38 36 33 30 29

As on 28-Oct-2020

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
2 star
 May-04 1.77 1.62 6.37 2.00 1,169
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 8.65 7.23 8.81 1.91 2,115
HDFC Hybrid Debt Fund  | Invest Online
3 star
 Dec-03 4.93 3.29 6.47 1.87 2,331
UTI Regular Savings Fund - Regular Plan  | Invest Online
2 star
 Dec-03 4.18 3.50 5.98 1.79 1,638
SBI Debt Hybrid Fund  | Invest Online
3 star
 Mar-01 7.37 4.72 7.06 1.81 959

Best & Worst Performance

Best (Period) Worst (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
Fund 1.69 7.52 -0.45 -0.42 1.01 -4.83
VR MIP TRI 6.50 6.53 0.22 0.25 -- --
Hybrid: Conservative Hybrid 4.11 7.14 -0.08 -0.04 0.85 -2.17
Rank within category 32 28 30 32 32 30
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 30-Sep-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 43
Number of Bonds 51
Average Maturity (yrs) 4.36
Top 10 Holdings (%) 35.34
Portfolio P/B Ratio 4.45
Portfolio P/E Ratio 33.77

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 9.75% Uttar Pradesh Power Corporation 20/10/2026 Debenture AA- 4.84 - 7.53 7.53
equal 8.30% REC 25/03/2029 Non Convertible Debenture AAA 3.23 - 5.57 4.69
equal 9.30% Fullerton India Credit 15/03/2021 Debenture AAA 2.80 - 5.40 4.35
equal M&M Financial Services 29/03/2022 Debenture AAA 0.00 - 3.18 3.18
equal 10.15% Uttar Pradesh Power Corporation 20/01/2023 Debenture A+ 1.79 - 2.97 2.97
equal 10.15% Uttar Pradesh Power Corporation 19/01/2024 Debenture A+ 1.78 - 2.94 2.94
equal 8.23% IRFC 29/03/2029 Debenture AAA 1.60 - 2.80 2.80
equal 8.25% Gujarat State 24/12/2024 State Development Loan SOV 0.00 - 2.33 2.33
equal 8.37% REC 2028 Debenture AAA 0.52 - 2.31 2.31
equal 8.60% LIC Housing Fin. 14/01/2022 Debenture AAA 0.00 - 2.23 2.23
equal 7.71% Kotak Mahindra Investments 21/12/2021 Debenture AAA 0.00 - 2.20 2.20
equal 9.10% Union Bank of India Non Convertible Debenture AA 1.25 - 2.15 2.15
equal 9.75% Uttar Pradesh Power Corporation 20/10/2027 Debenture AA- 1.19 - 1.99 1.99
equal First Business Receivable Trust Securitised Debt AAA 0.62 - 1.00 1.99
equal 10.99% Union Bank of India 31/08/2050 Bonds AA- 0.00 - 1.31 1.31
equal 10.15% Uttar Pradesh Power Corporation 20/01/2027 Debenture A+ 1.26 - 2.37 1.28
equal Indusind Bank 28/03/2024 Non Convertible Debenture AA 0.75 - 1.16 1.16
new 8.24% GOI 15/02/2027 Central Government Loan SOV 0.00 - 0.95 0.95
equal 7.70% Telangana State 22/03/2023 State Development Loan SOV 0.53 - 0.90 0.90
equal HDFC 27/03/2027 Non Convertible Debenture AAA 0.00 - 0.90 0.90
equal 7.55% REC 26/09/2023 Debenture AAA 0.00 - 0.90 0.90
equal 6.91% NHPC 15/09/2022 Debenture AAA 0.52 - 0.89 0.89
equal 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 0.00 - 0.88 0.88
equal 8.50% L&T Infrastructre Finance 17/01/2023 Debenture AAA 0.00 - 0.88 0.88
equal 9.51% Jharkand Road Projects Implementation 20/01/2021 Debenture C 0.00 - 0.93 0.84

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
down HDFC Bank Financial 22.12 2.01 1.01 1.92
equal Reliance Industries Energy 32.26 2.16 0.00 1.91
new Infosys Technology 25.66 1.29 0.00 1.29
equal Affle (India) Communication 97.26 1.12 0.00 1.12
down ICICI Bank Financial 27.12 1.53 0.00 1.09
equal IRB InvIT Fund Construction -- 1.30 0.69 1.09
equal Honeywell Automation Engineering 53.13 1.63 0.00 1.01
equal Info Edge (India) Services -- 0.93 0.00 0.93
equal L&T Infotech Technology 30.54 1.05 0.00 0.81
down Kotak Mahindra Bank Financial 34.35 1.13 0.00 0.75
down Voltas Cons Durable 53.79 1.35 0.75 0.75
equal Shree Cement Construction 52.45 0.81 0.00 0.73
down Bajaj Finance Financial 45.25 2.13 0.45 0.70
down Axis Bank Financial 42.56 1.49 0.00 0.61
down Metropolis Healthcare Healthcare 93.88 1.16 0.00 0.59
equal V-Guard Industries Cons Durable 55.30 0.80 0.39 0.54
down SRF Diversified 26.31 0.76 0.00 0.54
down ICICI Lombard General Insurance Company Financial 40.71 1.02 0.49 0.53
equal Bayer CropScience Healthcare 40.81 0.54 0.18 0.52
equal Crompton Greaves Consumer Electricals Cons Durable 38.07 0.50 0.00 0.50
down JK Cement Construction 35.35 0.55 0.00 0.50
down V-Mart Retail Services -- 0.86 0.39 0.50
down HDFC Life Insurance Financial 88.38 0.80 0.00 0.50
down Bandhan Bank Financial 17.04 1.13 0.00 0.48
equal Cipla Healthcare 37.37 0.52 0.00 0.47

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-Sep-2020

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:

— Pranay Sinha since 17-Aug-2015

Education: Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.

Experience: Prior to joining BSLAMC , he has worked with BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).

Funds Managed:

— Satyabrata Mohanty since 18-Jun-2009

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

Experience: He has been part of Birla group since last 17 years. He has over 12 years of experience in Finance and Research. He has handled responsibilities across Fund Management (Equity & Debt), Trading and Credit Research functions. Prior to joining BSLAMC, he has worked with Aditya Birla Management Corporation Ltd & joined ABG as a management Trainee.

Funds Managed:

Invest Online
-0.29%

Change from previous, NAV as on 28-Oct-2020

Growth: ₹ 40.7845

Dividend Monthly: ₹ 13.3805

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

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) 1
Minimum Balance (₹) 500
Exit Load For units in excess of 15% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 22-May-2004
Return Since Launch: 8.92%
Benchmark: CRISIL Hybrid 85+15 Conservative TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,169 Cr (As on 30-Sep-2020)
Expense: 2.00% (As on 30-Sep-2020)
Risk Grade: Above Average
Return Grade: Below Average
Turnover: 107.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly25-Sep-20200.0608

 28-Aug-20200.0599
 31-Jul-20200.0730
 26-Jun-20200.0569
 29-May-20200.0702
 24-Apr-20200.0560
 27-Mar-20200.0444
 28-Feb-20200.0452
 31-Jan-20200.0573
 27-Dec-20190.0461
 29-Nov-20190.0574
 25-Oct-20190.0458
 27-Sep-20190.0605
 30-Aug-20190.0763
 26-Jul-20190.0620
 28-Jun-20190.0625
 31-May-20190.0774
 26-Apr-20190.0622
 29-Mar-20190.0764
 22-Feb-20190.0614
 25-Jan-20190.0625
 28-Dec-20180.0623
 30-Nov-20180.0762
 26-Oct-20180.0532
 28-Sep-20180.0559

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

Phone: 022-43568000 / 1800-270-7000 / 1800-22-7000

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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