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4 star

Indiabulls Savings Income Fund - Regular Plan

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Hybrid: Conservative Hybrid

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1 Lakh

Investment Grown to
₹ 1.18 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.02 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 0.54 0.09 -0.50 1.06 5.95 7.86 7.32 5.54 8.56 -- --
VR MIP TRI 1.78 0.37 0.27 2.41 8.49 11.53 12.04 8.84 10.07 -- --
Hybrid: Conservative Hybrid 1.28 0.20 -0.15 1.86 7.37 10.36 10.11 5.93 8.29 -- --
Rank within category 32 33 35 30 19 25 32 24 14 -- --
Number of funds in category 37 37 37 37 37 37 37 34 33 30 29

As on 20-Jan-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Indiabulls Savings Income Fund - Regular Plan
4 star
 Dec-15 7.32 5.54 8.56 2.00 14
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 11.29 8.60 10.44 1.80 2,734
SBI Debt Hybrid Fund  | Invest Online
4 star
 Mar-01 14.18 7.39 8.83 1.81 1,012
HDFC Hybrid Debt Fund  | Invest Online
3 star
 Dec-03 10.67 6.13 9.07 1.90 2,442
UTI Regular Savings Fund - Regular Plan  | Invest Online
2 star
 Dec-03 13.14 5.45 8.02 1.79 1,664

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.47 (03-Nov-2020 - 10-Nov-2020) -3.08 (11-Mar-2020 - 18-Mar-2020)
Month 4.80 (26-Dec-2017 - 25-Jan-2018) -6.40 (20-Feb-2020 - 23-Mar-2020)
Quarter 9.28 (25-Oct-2017 - 24-Jan-2018) -6.48 (23-Dec-2019 - 23-Mar-2020)
Year 19.43 (09-Feb-2017 - 09-Feb-2018) -1.60 (27-May-2019 - 26-May-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.25 5.39 0.27 0.44 0.65 -1.02
VR MIP TRI 8.59 6.92 0.55 0.65 -- --
Hybrid: Conservative Hybrid 5.84 7.51 0.20 0.29 0.86 -2.22
Rank within category 18 11 18 11 11 15
Number of funds in category 35 35 35 35 35 35

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

As on 31-Dec-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 3
Number of Bonds 4
Average Maturity (yrs) * 0.56
Top 10 Holdings (%) 66.23
Portfolio P/B Ratio 2.55
Portfolio P/E Ratio 23.19

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 7.00% GOI 21/01/2021 GOI Securities SOV 0.00 - 37.76 18.48
equal 7.37% GOI 16/04/2023 GOI Securities SOV 0.00 - 16.58 15.80
equal Aditya Birla Housing Finance 88-D 22/01/2021 Commercial Paper A1+ 0.00 - 7.70 7.36
new Others CBLO -- - 30.24

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 Indiabulls Nifty 50 Exchange Traded Fund Reg-G Financial -- 11.26
down HDFC Bank Financial 26.78 9.02 0.00 5.64
equal ICICI Bank Financial 27.33 4.78 0.00 4.78
equal State Bank of India Financial 11.51 2.91 0.00 2.91

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-2020

*As on 30-Nov-2020

Fund Manager

— Rajeev Desai since 13-May-2020

Education: Mr. Desai has done PGDBM (Finance) and B.E. (Mech).

Experience: Prior to joining Indiabulls Mutual Fund, he has worked with Systematix Shares & Stocks (I) Ltd, IFCI Financial Services Ltd., IDFC Securities Ltd. (earlier IDFC SSKI Securities Ltd.), Batliboi Ltd., Blue Star Ltd., Contec Airflow India Pvt. Ltd.

Funds Managed:

— Karan Singh since 30-May-2020

Education: Mr. Singh is B.A (Honours) in Economics, PGDBF & CFA - Level 1

Experience: Prior to joining IndiaBulls Mutual Fund he has worked with Taurus Corporate Advisory Services Ltd., DIOS Capital, Invesco Asset Management Company Ltd., Fidelity Investments and ICRA Ltd.

Funds Managed:

0.09%

Change from previous, NAV as on 20-Jan-2021

Growth: ₹ 15.1094

Dividend Quarterly: ₹ 10.9295

Dividend Monthly: ₹ 10.9673

Investment Strategy

The Scheme seeks to generate regular monthly returns through investment primarily in debt securities. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme's assets in equity securities.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Exit Load 0

Basic Details

Fund House: Indiabulls Mutual Fund
Launch Date: 02-Dec-2015
Return Since Launch: 8.36%
Benchmark: CRISIL Hybrid 75+25 Conservative TRI
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 14 Cr (As on 31-Dec-2020)
Expense: 2.00% (As on 30-Nov-2020)
Risk Grade: Average
Return Grade: Above Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly28-Dec-20200.1000

 25-Nov-20200.1000
 26-Oct-20200.1000
 25-Sep-20200.1000
 25-Aug-20200.1000
 27-Jul-20200.1000
 25-Jun-20200.1000
 26-May-20200.1000
 27-Apr-20200.1000
 26-Mar-20200.0720
 25-Feb-20200.0720
 27-Jan-20200.0720
 26-Dec-20190.0720
 25-Nov-20190.0720
 25-Oct-20190.0720
 25-Sep-20190.0720
 26-Aug-20190.0720
 25-Jul-20190.0720
 25-Jun-20190.0720
 27-May-20190.0720
 25-Apr-20190.0720
 25-Mar-20190.0720
 25-Feb-20190.0720
 25-Jan-20190.0720
 26-Dec-20180.0720

Contact Information

AMC: Indiabulls Asset Management Company Ltd.

Address: Indiabulls Finance Centre - 11th Floor, Elphinstone Mills, Senapati Bapat Marg, Elphinstone (W), Mumbai - 400013

Phone: 022-61891300 / 1800-2666-002

Email: [email protected]

Website: http://www.indiabullsamc.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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