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3 star

IDFC Low Duration Fund - Regular Plan download report


Debt: Low Duration

1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.22 Lakh

Suitability:

"Low Duration debt funds invest in bonds maturing in six months to a year. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to three months maturity, from the one that invests in bonds maturing in three to six months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to a year in a Liquid fund."

Taxability of earnings:

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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(₹)
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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
IDFC Low Duration Reg-G 1.28 0.05 0.13 0.40 0.34 1.28 3.04 5.25 6.05 6.71 7.50
CCIL T Bill Liquidity Weight 0.91 0.05 0.07 0.27 0.34 0.91 1.99 2.70 3.31 3.68 4.25
Debt: Low Duration 1.33 0.03 0.13 0.31 0.39 1.33 3.64 5.46 5.38 6.14 7.00
Rank within category 15 3 9 2 17 15 12 14 7 4 2
Number of funds in category 22 22 22 22 22 22 22 22 22 21 18

As on 01-Jul-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
IDFC Low Duration Fund - Regular Plan  | Invest Online
3 star
Jan-06 3.04 5.25 6.05 0.55% 6,500
Aditya Birla Sun Life Low Duration Fund  | Invest Online
4 star
May-98 3.24 5.61 6.17 1.21% 11,985
Nippon India Low Duration Fund  | Invest Online
4 star
Mar-07 3.42 5.82 6.04 1.04% 9,544
Kotak Low Duration Fund - Standard Plan  | Invest Online
4 star
Mar-08 2.79 5.61 6.22 1.20% 7,602
Axis Treasury Advantage Fund
4 star
Oct-09 3.41 5.63 6.32 0.61% 5,274

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 1.62 24-Mar-2020 - 31-Mar-2020 -0.89 12-Mar-2020 - 19-Mar-2020
Month 2.22 24-Mar-2020 - 23-Apr-2020 -0.90 25-Feb-2020 - 26-Mar-2020
Quarter 4.07 24-Mar-2020 - 24-Jun-2020 0.15 18-Feb-2022 - 20-May-2022
Year 10.52 30-Aug-2013 - 01-Sep-2014 2.72 07-Jun-2021 - 07-Jun-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
IDFC Low Duration Reg-G 5.16 0.98 1.69 3.37 1.64 2.98
CCIL T Bill Liquidity Weight 2.69 0.37 -2.20 -4.41 -- --
Debt: Low Duration* 5.39 2.17 1.34 3.17 0.92 2.67
Rank within category* 14 5 8 9 19 11
Number of funds in category* 22 22 22 22 22 22

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

As on 31-May-2022

* As on 30-Jun-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 73 116 65 55
Modified Duration (yrs) 0.88 0.88 0.53 0.58
Average Maturity (yrs) 0.96 0.97 0.58 0.85
Yield to Maturity (%) 5.90 5.90 3.70 5.80
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
up 5.63% GOI 2026 GOI Securities SOV 0.00 - 12.52 12.52
up 7.24% REC 31/12/2022 Non Convertible Debenture AAA 0.00 - 4.72 4.72
up 7.17% Reliance Industries 2022 Non Convertible Debenture AAA 0.27 - 4.47 4.17
new ICICI Bank Certificate of Deposit A1+ 0.00 - 3.80 3.80
new Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 3.77 3.77
equal National Bank Agr. Rur. Devp 2024 Non Convertible Debenture AAA 2.67 - 3.89 3.43
new HDFC Bank 2022 Certificate of Deposit A1+ 0.00 - 3.00 3.00
new SIDBI 30/05/2023 Commercial Paper A1+ 0.00 - 2.90 2.90
equal 7.03% REC 2022 Non Convertible Debenture AAA 0.00 - 2.98 2.86
equal 6.84% GOI 19/12/2022 GOI Securities SOV 0.01 - 2.98 2.85
equal 4.50% HDFC 14/12/2022 Debenture AAA 0.00 - 3.02 2.67
equal Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 4.63 2.63
new Kotak Mahindra Bank 25/11/2022 Certificate of Deposit A1+ 0.00 - 2.62 2.62
equal 4.95% HDFC 2022 Non Convertible Debenture AAA 0.80 - 2.86 2.53
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 0.00 - 5.03 2.42
equal 7.20% HDFC 13/04/2023 Non Convertible Debenture AAA 1.65 - 2.65 2.32
equal 7.00% Reliance Industries 31/08/2022 Non Convertible Debenture AAA 0.00 - 2.53 2.24
new HDFC 363-D 17/05/2023 Commercial Paper A1+ 0.00 - 2.17 2.17
equal 7.42% LIC Housing Fin. 15/07/2022 Bonds/NCDs AAA 1.52 - 2.44 2.16
equal 4.60% National Bank Agr. Rur. Devp 29/07/2024 Debenture AAA 0.00 - 2.60 1.92
equal Axis Bank 16/11/2022 Certificate of Deposit A1+ 0.00 - 2.10 1.87
equal Axis Bank 2023 Certificate of Deposit A1+ 0.00 - 1.92 1.84
equal 7.10% Bajaj Finance 2023 Debenture AAA 0.00 - 2.20 1.55
new HDFC Bank 27/12/2022 Certificate of Deposit A1+ 0.00 - 1.49 1.49
new SIDBI 22/02/2023 Certificate of Deposit A1+ 0.00 - 1.47 1.47

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-May-2022

Fund Manager

— Harshal Joshi since 28-Jul-2021

Education: Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai

Experience: Prior to joining IDFC Mutual fund in 2008 he has worked with ICAP India Pvt. Ltd.

Funds Managed:


0.05%

Change from previous, NAV as on 01-Jul-2022

Growth: ₹ 31.4632

IDCW Weekly: ₹ 10.1221

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IDCW Quarterly: ₹ 10.8261

IDCW Monthly: ₹ 10.1099

IDCW Daily: ₹ 10.1015

IDCW: ₹ 10.4475


Investment Strategy

The scheme aims to offer an investment avenue for short term savings by looking to generate returns commensurate with a low risk strategy from a portfolio that is invested in debt and money market securities such that the Macaulay duration of the portfolio is between 6 months and 12 months.

Investment Details

Min. Investment (₹) 100
Min. Addl Investment (₹) 100
Min. SIP Investment (₹) 100
Min. No of Cheques 6
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: IDFC Mutual Fund
Launch Date: 17-Jan-2006
Return Since Launch: 7.21%
Benchmark: NIFTY Low Duration Debt Index A-I
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 6,500 Cr (As on 31-May-2022)
Expense: 0.55% (As on 31-May-2022)
Risk Grade: Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily30-Jun-20220.0025

 29-Jun-20220.0006
 28-Jun-20220.0006
 27-Jun-20220.0053
 24-Jun-20220.0013
 23-Jun-20220.0021
 22-Jun-20220.0025
 21-Jun-20220.0025
 02-May-20220.0027
 27-Apr-20220.0003
 26-Apr-20220.0007
 25-Apr-20220.0014
 07-Apr-20220.0031
 06-Apr-20220.0014
 05-Apr-20220.0018
 04-Apr-20220.0032
 31-Mar-20220.0016
 30-Mar-20220.0043
 29-Mar-20220.0021
 28-Mar-20220.0019
 25-Mar-20220.0025
 24-Mar-20220.0006
 23-Mar-20220.0006
 21-Mar-20220.0043
 17-Mar-20220.0031
IDCW Monthly29-Jun-20220.0170

 28-Apr-20220.0111
 30-Mar-20220.0360
 25-Feb-20220.0359
 28-Jan-20220.0245
 30-Dec-20210.0219
 29-Nov-20210.0348
 28-Oct-20210.0191
 29-Sep-20210.0200
 30-Aug-20210.0377
 29-Jul-20210.0404
 29-Jun-20210.0239
 28-May-20210.0300
 29-Apr-20210.0518
 26-Mar-20210.0412
 26-Feb-20210.0201
 28-Jan-20210.0077
 28-Dec-20200.0226
 25-Nov-20200.0461
 28-Oct-20200.0564
 28-Sep-20200.0370
 28-Aug-20200.0227
 28-Jul-20200.0577
 26-Jun-20200.1080
 28-May-20200.1102
IDCW Quarterly29-Jun-20220.0215

 28-Mar-20220.0861
 28-Dec-20210.0719
 28-Sep-20210.1031
 28-Jun-20210.1081
 24-Mar-20210.0469
 24-Dec-20200.1207
 28-Sep-20200.1121
 26-Jun-20200.3904
 24-Mar-20200.0903
 26-Dec-20190.1302
 25-Sep-20190.1679
 25-Jun-20190.1395
 27-Mar-20190.1467
 27-Dec-20180.1666
 26-Sep-20180.1176
 26-Jun-20180.0918
 22-Mar-20180.1113
 21-Dec-20170.1021
 21-Sep-20170.1156
 27-Jun-20170.1445
 22-Mar-20170.1083
 22-Dec-20160.1372
 22-Sep-20160.1589
 23-Jun-20160.1589
IDCW Weekly24-Jun-20220.0104

 29-Apr-20220.0060
 22-Apr-20220.0042
 31-Mar-20220.0099
 25-Mar-20220.0074
 17-Mar-20220.0165
 11-Mar-20220.0037
 25-Feb-20220.0026
 18-Feb-20220.0100
 11-Feb-20220.0233
 28-Jan-20220.0035
 21-Jan-20220.0036
 14-Jan-20220.0115
 07-Jan-20220.0029
 31-Dec-20210.0098
 24-Dec-20210.0011
 17-Dec-20210.0029
 10-Dec-20210.0065
 03-Dec-20210.0072
 26-Nov-20210.0071
 18-Nov-20210.0069
 12-Nov-20210.0141
 03-Nov-20210.0049
 22-Oct-20210.0044
 14-Oct-20210.0094
IDCW25-Mar-20210.7162

 24-Mar-20203.7311
 12-Sep-20140.7788
 28-May-20130.5533
 30-Jan-20120.2092

Contact Information

AMC: IDFC Asset Management Company Limited

Address: No. 27, Ground Floor Khetan Bhavan,198, Jamshedji Tata Road, Churchgate, Mumbai - 400020

Fax: 24215052 / 24215051

Website: http://www.idfcmf.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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