Aditya Birla Sun Life Regular Savings Fund

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Hybrid: Conservative Hybrid

Analysts' Choice?

1 Lakh

Investment Grown to

₹ 1.05 Lakh

₹ 10000

Monthly SIP Grown to

₹ 3.81 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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Amount (₹)

Start date

End date

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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	1.21	0.14	0.07	2.15	3.92	12.09	2.46	1.61	6.34	9.56	8.64
VR MIP TRI	3.75	0.16	0.02	2.37	2.56	11.37	5.97	6.77	7.69	8.76	7.78
Hybrid: Conservative Hybrid	3.29	0.14	0.22	1.70	2.67	8.81	5.04	4.10	6.28	8.35	7.56
Rank within category	35	17	23	8	7	6	35	31	20	5	3
Number of funds in category	39	39	39	39	39	39	38	36	33	30	29

As on 21-Oct-2020

Peer Comparison

Fund name	Launch Date	1-Year Return	3-Year Return	5-Year Return	Expense Ratio	Assets (Cr)
Aditya Birla Sun Life Regular Savings Fund \| Invest Online	May-04	2.46	1.61	6.34	2.00	1,169
ICICI Prudential Regular Savings Fund \| Invest Now	Mar-04	9.11	7.49	8.83	1.91	2,115
HDFC Hybrid Debt Fund \| Invest Online	Dec-03	5.54	4.14	6.42	1.87	2,331
UTI Regular Savings Fund - Regular Plan \| Invest Online	Dec-03	4.02	3.25	5.87	1.79	1,638
SBI Debt Hybrid Fund \| Invest Online	Mar-01	6.91	4.47	6.91	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
9.75% Uttar Pradesh Power Corporation 20/10/2026	Debenture	AA-	4.84 - 7.53	7.53
8.30% REC 25/03/2029	Non Convertible Debenture	AAA	3.23 - 5.57	4.69
9.30% Fullerton India Credit 15/03/2021	Debenture	AAA	2.80 - 5.40	4.35
M&M Financial Services 29/03/2022	Debenture	AAA	0.00 - 3.18	3.18
10.15% Uttar Pradesh Power Corporation 20/01/2023	Debenture	A+	1.79 - 2.97	2.97
10.15% Uttar Pradesh Power Corporation 19/01/2024	Debenture	A+	1.78 - 2.94	2.94
8.23% IRFC 29/03/2029	Debenture	AAA	1.60 - 2.80	2.80
8.25% Gujarat State 24/12/2024	State Development Loan	SOV	0.00 - 2.33	2.33
8.37% REC 2028	Debenture	AAA	0.52 - 2.31	2.31
8.60% LIC Housing Fin. 14/01/2022	Debenture	AAA	0.00 - 2.23	2.23
7.71% Kotak Mahindra Investments 21/12/2021	Debenture	AAA	0.00 - 2.20	2.20
9.10% Union Bank of India	Non Convertible Debenture	AA	1.25 - 2.15	2.15
9.75% Uttar Pradesh Power Corporation 20/10/2027	Debenture	AA-	1.19 - 1.99	1.99
First Business Receivable Trust	Securitised Debt	AAA	0.62 - 1.00	1.99
10.99% Union Bank of India 31/08/2050	Bonds	AA-	0.00 - 1.31	1.31
10.15% Uttar Pradesh Power Corporation 20/01/2027	Debenture	A+	1.26 - 2.37	1.28
Indusind Bank 28/03/2024	Non Convertible Debenture	AA	0.75 - 1.16	1.16
8.24% GOI 15/02/2027	Central Government Loan	SOV	0.00 - 0.95	0.95
7.70% Telangana State 22/03/2023	State Development Loan	SOV	0.53 - 0.90	0.90
HDFC 27/03/2027	Non Convertible Debenture	AAA	0.00 - 0.90	0.90
7.55% REC 26/09/2023	Debenture	AAA	0.00 - 0.90	0.90
6.91% NHPC 15/09/2022	Debenture	AAA	0.52 - 0.89	0.89
8.50% L&T Infrastructre Finance 17/02/2023	Debenture	AAA	0.00 - 0.88	0.88
8.50% L&T Infrastructre Finance 17/01/2023	Debenture	AAA	0.00 - 0.88	0.88
9.51% Jharkand Road Projects Implementation 20/01/2021	Debenture	C	0.00 - 0.93	0.84

Indicates an increase or decrease or no change in holding since last portfolio
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
HDFC Bank	Financial	22.98	2.01	1.01	1.92
Reliance Industries	Energy	33.47	2.16	0.00	1.91
Infosys	Technology	27.07	1.29	0.00	1.29
Affle (India)	Communication	97.54	1.12	0.00	1.12
ICICI Bank	Financial	28.07	1.53	0.00	1.09
IRB InvIT Fund	Construction	--	1.30	0.69	1.09
Honeywell Automation	Engineering	55.50	1.63	0.00	1.01
Info Edge (India)	Services	--	0.93	0.00	0.93
L&T Infotech	Technology	32.30	1.05	0.00	0.81
Kotak Mahindra Bank	Financial	32.17	1.13	0.00	0.75
Voltas	Cons Durable	54.00	1.35	0.75	0.75
Shree Cement	Construction	51.03	0.81	0.00	0.73
Bajaj Finance	Financial	43.90	2.13	0.45	0.70
Axis Bank	Financial	91.28	1.49	0.00	0.61
Metropolis Healthcare	Healthcare	93.22	1.16	0.00	0.59
V-Guard Industries	Cons Durable	50.87	0.80	0.39	0.54
SRF	Diversified	25.61	0.76	0.00	0.54
ICICI Lombard General Insurance Company	Financial	43.60	1.02	0.49	0.53
Bayer CropScience	Healthcare	40.23	0.54	0.18	0.52
Crompton Greaves Consumer Electricals	Cons Durable	39.60	0.50	0.00	0.50
JK Cement	Construction	35.42	0.55	0.00	0.50
V-Mart Retail	Services	--	0.86	0.39	0.50
HDFC Life Insurance	Financial	84.29	0.80	0.00	0.50
Bandhan Bank	Financial	18.02	1.13	0.00	0.48
Cipla	Healthcare	37.10	0.52	0.00	0.47

Indicates an increase or decrease or no change in holding since last portfolio
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:

Aditya Birla Sun Life Equity Hybrid '95 Fund - since Nov 2016 | Invest Online
Aditya Birla Sun Life Pharma & Healthcare Fund - Regular Plan - since Jun 2019 | Invest Online

— 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

0.14%

Change from previous, NAV as on 21-Oct-2020

Growth: ₹ 40.9431

Dividend Monthly: ₹ 13.4325

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.

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

Exit Load

For units in excess of 15% of the investment,1% will be charged for redemption within 365 days

Fund House:	Aditya Birla Sun Life Mutual Fund
Launch Date:	22-May-2004
Return Since Launch:	8.96%
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%

Plan

Record Date

Dividend (₹ / Unit)

Dividend Monthly

25-Sep-2020

0.0608

More...

	28-Aug-2020	0.0599
	31-Jul-2020	0.0730
	26-Jun-2020	0.0569
	29-May-2020	0.0702
	24-Apr-2020	0.0560
	27-Mar-2020	0.0444
	28-Feb-2020	0.0452
	31-Jan-2020	0.0573
	27-Dec-2019	0.0461
	29-Nov-2019	0.0574
	25-Oct-2019	0.0458
	27-Sep-2019	0.0605
	30-Aug-2019	0.0763
	26-Jul-2019	0.0620
	28-Jun-2019	0.0625
	31-May-2019	0.0774
	26-Apr-2019	0.0622
	29-Mar-2019	0.0764
	22-Feb-2019	0.0614
	25-Jan-2019	0.0625
	28-Dec-2018	0.0623
	30-Nov-2018	0.0762
	26-Oct-2018	0.0532
	28-Sep-2018	0.0559

Fund News - 13-May-2020

Change in Fund Manager under Aditya Birla Sun Life Mutual Fund
Fund News - 04-May-2018

Change in Minimum Application Amount in Five Schemes of Aditya Birla Sun Life Mutual Fund
Fund News - 16-Apr-2018

Name Change in Seven Schemes of Aditya Birla Sun Life Mutual Fund
Fund News - 06-Oct-2016

Change in exit load of Birla Sun Life MF schemes
Fund News - 21-Jul-2016

Minimum Application Amount modified under Birla Sun Life MF schemes

Aditya Birla Sun Life Regular Savings Fund

Analysts' Choice?

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Trailing Returns (%)

Peer Comparison

Best & Worst Performance

Risk Measures (%)

Asset Allocation (%)

Concentration & Valuation

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

Top Debt Holdings

Sector Allocation vis-à-vis Category

Top Equity Holdings

Fund Manager

0.14%

Investment Strategy

Investment Details

Basic Details

Most Recent Dividends

News & Analysis

Contact Information

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