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3 star

Aditya Birla Sun Life Regular Savings Fund

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.32 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.33 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
Fund 13.18 -0.21 0.24 -0.02 1.46 5.89 15.84 9.64 7.64 8.58 10.62
VR MIP TRI 10.44 -0.46 0.39 -1.10 0.55 5.28 13.12 10.42 9.54 8.53 9.63
Hybrid: Conservative Hybrid 9.93 -0.16 0.25 -0.10 1.40 5.13 11.78 8.45 7.11 7.51 8.97
Rank within category 7 29 15 15 16 10 5 9 14 5 3
Number of funds in category 33 36 36 36 36 36 33 30 30 28 27

As on 03-Dec-2021

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
3 star
 May-04 15.84 9.64 7.64 1.98% 1,310
SBI Debt Hybrid Fund  | Invest Online
4 star
 Mar-01 15.88 12.18 8.35 1.10% 4,369
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 10.97 10.37 9.38 1.73% 3,384
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
 Dec-03 15.32 13.10 9.39 1.90% 1,160
Canara Robeco Conservative Hybrid Fund - Regular Plan  | Invest Online
5 star
 Apr-01 11.39 11.53 8.85 1.87% 959

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
Fund 9.53 7.57 0.76 0.68 0.96 -0.27
VR MIP TRI 10.03 6.79 0.92 1.13 -- --
Hybrid: Conservative Hybrid 8.30 6.29 0.83 0.97 0.68 0.29
Rank within category 8 26 19 22 30 20
Number of funds in category 30 30 30 30 30 30

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

As on 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 47
Number of Bonds 67
Average Maturity (yrs) 3.81
Top 10 Holdings (%) 22.68
Portfolio P/B Ratio 5.28
Portfolio P/E Ratio 38.03

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 M&M Financial Services 29/03/2022 Debenture AAA 3.02 - 3.22 3.02
equal 10.15% Uttar Pradesh Power Corporation 19/01/2024 Debenture A+ 2.75 - 3.03 2.75
equal 10.15% Uttar Pradesh Power Corporation 20/01/2023 Debenture A+ 2.72 - 3.01 2.72
equal 8.37% REC 2028 Debenture AAA 2.09 - 2.31 2.09
equal 8.25% Gujarat State 24/12/2024 State Development Loan SOV 2.06 - 2.33 2.06
equal REC 2023 Bonds AAA 0.00 - 2.05 2.01
new 7.42% Power Finance Corporation 19/11/2024 Non Convertible Debenture AAA 0.00 - 2.00 2.00
new Reliance Industries 2023 Non Convertible Debenture AAA 0.00 - 1.99 1.99
equal 7.10% Bajaj Finance 2023 Debenture AAA 0.00 - 2.09 1.95
new 7.10% Power Finance Corporation 2022 Bonds/NCDs AAA 0.00 - 1.95 1.95
equal First Business Receivable Trust Securitised Debt AAA 0.96 - 1.03 1.94
equal 9.10% Union Bank of India Additional Tier 1 Bond AA 1.93 - 2.17 1.93
equal 5.44% National Bank Agr. Rur. Devp 2024 Debenture AAA 0.00 - 1.95 1.92
equal 7.71% Kotak Mahindra Investments 21/12/2021 Debenture AAA 1.92 - 2.16 1.92
equal 5.27% National Bank Agr. Rur. Devp 29/04/2024 Debenture AAA 0.00 - 2.02 1.91
new 5.85% Bharti Telecom 20/10/2023 Debenture AA+ 0.00 - 1.90 1.90
equal 6.24% State Bank of India Additional Tier 2 Bond AAA 0.00 - 2.01 1.90
equal ICICI Securities 254-D 27/05/2022 Commercial Paper A1+ 0.00 - 1.88 1.86
equal 8.45% Sikka Ports and Terminals 2023 Debenture AAA 0.00 - 1.64 1.61
equal 6.39% National Bank Agr. Rur. Devp 2030 Debenture AAA 1.49 - 2.95 1.49
new 8.90% State Bank of India Additional Tier 2 Bond AAA 0.00 - 1.22 1.22
equal 10.50% Indusind Bank Additional Tier 1 Bond AA 1.16 - 1.26 1.17
new 6.95% Power Finance Corporation 2031 Debenture AAA 0.00 - 1.14 1.14
new 5.10% Bharti Telecom 20/10/2022 Debenture AA+ 0.00 - 1.14 1.14
equal 5.79% GOI 2030 GOI Securities SOV 1.10 - 1.25 1.10

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 Infosys Technology 34.93 2.25 0.00 2.09
equal ICICI Bank Financial 23.44 1.89 0.70 1.89
equal HDFC Bank Financial 24.50 2.27 1.09 1.79
equal IRB InvIT Fund Construction -- 1.76 0.69 1.60
equal Bajaj Finance Financial 85.76 2.13 0.45 0.78
up HDFC Financial 24.08 0.97 0.00 0.78
equal Axis Bank Financial 20.63 1.49 0.61 0.75
down L&T Infotech Technology 56.77 1.05 0.38 0.72
equal Wipro Technology 28.98 0.72 0.00 0.69
equal Honeywell Automation Engineering 79.32 1.63 0.62 0.62
equal Polycab India Engineering 43.12 0.61 0.00 0.57
equal Tech Mahindra Technology 30.54 0.56 0.00 0.54
up Craftsman Automation Engineering 49.92 0.53 0.00 0.53
equal V-Guard Industries Consumer Durable 44.17 0.80 0.47 0.51
equal Crompton Greaves Consumer Electricals Consumer Durable 41.11 0.72 0.18 0.51
up State Bank of India Financial 14.74 1.08 0.00 0.49
equal Pidilite Industries Chemicals 83.69 0.50 0.13 0.48
down Voltas Consumer Durable 69.60 1.35 0.47 0.47
new Reliance Industries Energy 31.17 2.16 0.00 0.46
equal Whirlpool Consumer Durable 40.10 0.51 0.08 0.46
equal Shree Cement Construction 35.78 0.93 0.00 0.44
equal Atul Chemicals 38.81 0.50 0.00 0.44
down Vijaya Diagnostic Centre Healthcare 69.78 0.74 0.00 0.44
equal ICICI Lombard General Insurance Company Insurance 56.55 1.02 0.42 0.43
equal United Breweries FMCG 119.51 0.41 0.00 0.41

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-Oct-2021

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
-0.21%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 50.0123

IDCW Monthly: ₹ 15.4893

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
Lock-in Period Not Applicable
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: 9.61%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 1,310 Cr (As on 31-Oct-2021)
Expense: 1.98% (As on 31-Oct-2021)
Risk Grade: Above Average
Return Grade: Average
Turnover: 60.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly26-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
 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

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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