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5 star

Indiabulls Savings Income Fund - Direct Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.28 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.92 Lakh

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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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund -0.43 -0.31 -0.46 1.18 3.96 -0.76 2.30 8.47 -- -- --
VR MIP TRI -0.52 -0.59 -0.32 2.48 7.33 -1.06 2.40 5.97 -- -- --
Hybrid: Conservative Hybrid -0.12 -0.41 -0.12 2.80 6.32 -0.80 3.06 4.27 -- -- --
Rank within category 26 12 32 37 34 26 27 2 -- -- --
Number of funds in category 38 38 38 38 38 38 37 35 32 29 0

As on 14-Jul-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Indiabulls Savings Income Fund - Direct Plan
5 star
Dec-15 2.30 8.47 -- 0.25 20
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 7.09 7.19 9.42 1.39 1,597
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 1.47 3.09 6.68 1.41 2,344
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 0.38 3.16 6.16 1.11 1,673
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 -0.86 1.83 6.70 1.12 1,198

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.00 (17-Sep-2019 - 24-Sep-2019) -3.05 (11-Mar-2020 - 18-Mar-2020)
Month 4.89 (26-Dec-2017 - 25-Jan-2018) -6.25 (20-Feb-2020 - 23-Mar-2020)
Quarter 9.57 (25-Oct-2017 - 24-Jan-2018) -6.11 (23-Dec-2019 - 23-Mar-2020)
Year 20.96 (09-Feb-2017 - 09-Feb-2018) -0.06 (27-May-2019 - 26-May-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 8.62 5.26 0.63 0.96 0.64 2.83
VR MIP TRI 6.06 6.50 0.12 0.13 -- --
Hybrid: Conservative Hybrid 4.43 7.02 -0.05 0.01 0.84 -1.51
Rank within category 1 11 2 2 12 1
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-Jun-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 3
Number of Bonds 3
Average Maturity (yrs) * 0.85
Top 10 Holdings (%) 85.27
Portfolio P/B Ratio 2.08
Portfolio P/E Ratio 18.46

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 37.76
equal 6.17% GOI 15/07/2021 GOI Securities SOV 0.00 - 22.79 22.79
equal 7.37% GOI 16/04/2023 GOI Securities SOV 0.00 - 10.65 10.65

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 -- 5.52
equal HDFC Bank Financial 21.34 7.32 0.00 5.17
equal ICICI Bank Financial 23.40 3.85 0.00 2.11
equal State Bank of India Financial 8.40 2.85 0.00 1.27

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-Jun-2020

*As on 31-May-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:


-0.31%

Change from previous, NAV as on 14-Jul-2020

Growth: ₹ 14.8607

Dividend Monthly: ₹ 11.3585


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: 8.95%
Benchmark: CRISIL Hybrid 75+25 Conservative Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 20 Cr (As on 30-Jun-2020)
Expense: 0.25% (As on 31-May-2020)
Risk Grade: Average
Return Grade: High
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly25-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
 26-Nov-20180.0720
 25-Oct-20180.0720
 25-Sep-20180.0720
 27-Aug-20180.0720
 25-Jul-20180.0720
 25-Jun-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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