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Aditya Birla Sun Life Regular Savings Fund

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Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.16 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.79 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 -0.25 -1.20 -0.85 0.48 1.33 1.69 5.91 5.11 6.88 9.77 9.14
Hybrid: Conservative Hybrid 0.64 -0.13 0.20 1.17 2.71 3.17 6.91 6.14 6.73 8.35 8.09
Rank within category 36 37 35 33 34 32 26 31 14 3 3
Number of funds in category 39 39 39 38 38 38 36 36 32 30 22

As on 17-Jan-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week -- ( - ) -- ( - )
Month 12.62 (03-Dec-2008 - 02-Jan-2009) -7.75 (14-Jan-2008 - 13-Feb-2008)
Quarter 19.48 (12-Mar-2009 - 11-Jun-2009) -12.12 (04-Jan-2008 - 04-Apr-2008)
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 6.11 5.10 0.08 0.11 1.00 -2.71
Hybrid: Conservative Hybrid 6.37 4.30 0.20 0.37 0.78 -1.78
Rank within category 22 28 23 23 31 29
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-Dec-2019

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 37
Number of Bonds 63
Average Maturity (yrs) 4.48
Top 10 Holdings (%) 32.16
Portfolio P/B Ratio 4.19
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
equal 9.75% Uttar Pradesh Power Corporation 20/10/2026 Debenture AA- 4.09 - 5.32 5.32
up 7.17% GOI 2028 GOI Securities SOV 0.02 - 4.58 4.58
equal 8.30% REC 25/03/2029 Non Convertible Debenture AAA 0.00 - 3.54 3.54
equal SP Imperial Star 23/03/2022 Debenture A- 0.00 - 3.07 3.07
equal 7.70% HDB Financial Services 2020 Debenture AAA 2.07 - 2.81 2.81
down 9.30% Fullerton India Credit 15/03/2021 Debenture AAA 0.00 - 5.40 2.80
equal 6.35% GOI 21/01/2020 GOI Securities SOV 0.00 - 2.80 2.80
new Birla Group Holdings 91-D 28/02/2020 Commercial Paper A1+ 0.00 - 2.76 2.76
new 7.37% GOI 16/04/2023 GOI Securities SOV 0.00 - 2.31 2.31
equal 10.15% Uttar Pradesh Power Corporation 20/01/2023 Debenture A+ 1.48 - 1.95 1.95
equal 10.15% Uttar Pradesh Power Corporation 19/01/2024 Debenture A+ 1.48 - 1.94 1.94
new M&M Financial Services 29/03/2022 Debenture AAA 0.00 - 1.91 1.91
equal 10.15% Uttar Pradesh Power Corporation 20/01/2027 Debenture A+ 1.46 - 1.89 1.89
equal 8.03% Vodafone Idea 31/01/2022 Debenture BBB- 0.00 - 1.89 1.89
equal 8.03% Vodafone Idea 14/02/2022 Debenture BBB- 0.00 - 1.88 1.88
equal 8.23% IRFC 29/03/2029 Debenture AAA 0.00 - 1.75 1.75
equal 8.15% REC 2022 Non Convertible Debenture AAA 0.00 - 1.71 1.71
new Reserve Bank of India 76-D 17/03/2020 Cash Management Bill SOV 0.00 - 1.66 1.66
equal 7.98% M&M Financial Services 13/03/2020 Debenture AAA 0.00 - 1.41 1.41
equal 7.68% ONGC Petro Additions 18/05/2020 Structured Obligation AAA 1.04 - 1.40 1.40
equal 9.10% Union Bank of India Non Convertible Debenture AA 1.01 - 1.40 1.40
equal Shriram City Union Finance 21/09/2021 Debenture AA+ 1.05 - 1.38 1.38
equal 9.75% Uttar Pradesh Power Corporation 20/10/2027 Debenture AA- 1.01 - 1.31 1.31
equal 7.95% GOI 2032 GOI Securities SOV 0.00 - 1.90 1.20
new 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 3.66 1.15

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 Reliance Industries Energy 23.10 2.16 0.00 2.16
down Bajaj Finance Financial 51.56 2.13 1.08 1.85
down HDFC Bank Financial 26.64 1.76 0.00 1.72
equal ICICI Bank Financial 66.86 1.48 0.00 1.48
equal Axis Bank Financial 46.94 1.46 0.00 1.46
equal Voltas Cons Durable 47.40 1.20 0.45 1.17
equal IRB InvIT Fund Construction -- 1.40 0.00 1.14
equal Honeywell Automation Engineering 61.17 1.10 0.00 1.10
equal Bandhan Bank Financial 25.33 1.13 0.00 1.03
down Natco Pharma Healthcare 20.93 1.89 0.92 1.00
equal Dalmia Bharat Construction 38.86 0.98 0.00 0.83
equal Metropolis Healthcare Healthcare 68.83 0.81 0.00 0.81
down HDFC Life Insurance Financial 91.33 0.80 0.00 0.79
down Aditya Birla Fashion and Retail Services 60.51 0.81 0.00 0.78
down ICICI Lombard General Insurance Financial 56.28 0.94 0.00 0.78
equal The Ramco Cements Construction 30.80 0.73 0.00 0.71
equal V-Guard Industries Cons Durable 48.41 0.73 0.39 0.68
equal Affle (India) Communication 83.08 0.63 0.00 0.63
equal L&T Infotech Technology 22.47 0.59 0.00 0.59
equal Shree Cement Construction 65.01 0.57 0.00 0.57
equal Info Edge (India) Services 146.94 0.57 0.00 0.57
equal RBL Bank Financial 22.02 0.61 0.00 0.55
equal Repco Home Finance Ltd. Financial 7.53 1.14 0.38 0.47
equal V-Mart Retail Services 82.73 0.86 0.25 0.41
equal Avanti Feeds FMCG 27.87 0.39 0.00 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-Dec-2019

Fund Manager

— 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:

— Vineet Maloo since 26-Aug-2015

Education: Mr. Maloo is a Chartered Accountant.

Experience: Prior to joining Birla Sun Life AMC he has worked with Hindalco.

Funds Managed:

Invest Online
-1.20%

Change from previous, NAV as on 17-Jan-2020

Growth: ₹ 40.3512

Dividend Monthly: ₹ 13.8484

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: 9.31%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,787 Cr (As on 31-Dec-2019)
Expense: 1.87% (As on 31-Dec-2019)
Risk Grade: Above Average
Return Grade: Above Average
Turnover: 2.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly27-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
 31-Aug-20180.0700
 27-Jul-20180.0551
 29-Jun-20180.0695
 25-May-20180.0565
 27-Apr-20180.0485
 03-Apr-20180.0722
 23-Feb-20180.0324
 29-Jan-20180.0597
 29-Dec-20170.0675

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: 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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