IDFC Regular Savings Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Conservative Hybrid Fund

Fund House : IDFC Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 22.5403 0.04%
(as on 20th March, 2019)

Crisil Rank

Above average performance among peers

47

100

Fund Size

: ₹ 199.6 Cr

(1.3% of Investment in Category)

Expense Ratio

: 1.21%

(1.18% Category average)

Risk-O-Meter

Moderately High

Conservative Hybrid Fund :Conservative Hybrid Fund : Fund has 23.52% investment in indian stocks of which 20.11% is in large cap stocks, 2.34% is in mid cap stocks, 1.07% in small cap stocks.Fund has 45.58% investment in Debt of which , 45.58% in funds invested in very low risk securities..

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This Scheme

VS

Nifty 50

2.16%

1.56%

5.43%

7.95%

7.1%

10.04%

0%
NA
2.76%

2.22%

3.89%

6.22%

6.9%

10.07%

9.32%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Annualised Returns

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Returns (NAV as on 20th March, 2019)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	13-Mar-19	10047.61	0.48%	-	0.47%	11/23
1 Month	20-Feb-19	10211.06	2.11%	-	2.76%	17/23
3 Month	20-Dec-18	10224.49	2.24%	-	2.22%	14/23
6 Month	21-Sep-18	10470.57	4.71%	-	3.89%	9/23
YTD	03-Apr-18	10546.16	5.46%	-	5.50%	8/23
1 Year	20-Mar-18	10668.15	6.68%	6.68%	6.22%	11/23
2 Year	20-Mar-17	11280.47	12.80%	6.21%	6.90%	17/23
3 Year	21-Mar-16	12853.44	28.53%	8.74%	9.10%	14/23
5 Year	20-Mar-14	16362.13	63.62%	10.34%	10.07%	11/22
10 Year	-	-	-	-	-	-/-
Since Inception	02-Jan-13	17429.32	74.29%	9.35%	-	-/-

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 20th Mar,2019)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 year	20-Mar-18	12000	12541.17	4.51 %	8.49 %
2 years	20-Mar-17	24000	25449.99	6.04 %	5.76 %
3 years	20-Mar-16	36000	39846.92	10.69 %	6.71 %
5 years	20-Mar-14	60000	73260.71	22.10 %	7.93 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 3 years from purchase date, long term capital gain tax will be applicable. Current tax rate is the lower of (a) 10% of profit or (b) 20% of profit adjusted after indexation benefits. Any cess/surcharge is not included.|If sold before 3 years from purchase date, short term capital gain tax will be applicable. Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 28th Feb,2019)

Equity Holding : 23.52% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 23.52%

No of Stocks : 35 (Category Avg - 32.65) | Large Cap Investments : 20.11%| Mid Cap Investments : 2.34% | Small Cap Investments : 1.07% | Other : 0%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Cr)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
HDFC Bank Ltd.	Banks	44	2.20%	0.04%	2.2% (Feb 2019)	0.49% (Mar 2018)	21.15 k
Reliance Industries Ltd.	Refineries/marketing	39.9	2.00%	0.05%	2.2% (Dec 2018)	0.5% (Mar 2018)	32.40 k
Infosys Ltd.	Computers - software	39.9	2.00%	0.01%	2% (Feb 2019)	0.59% (Mar 2018)	54.28 k
ICICI Bank Ltd.	Banks	36.4	1.82%	-0.04%	1.86% (Jan 2019)	0% (Mar 2018)	1.04 L
ITC Limited	Cigarettes	22.2	1.11%	0.01%	1.52% (Nov 2018)	0.48% (Mar 2018)	80.28 k
Hindustan Unilever Ltd.	Diversified	20.9	1.05%	0.01%	1.07% (Dec 2018)	0.51% (Mar 2018)	12.05 k
- Axis Bank Ltd.	Banks	20.4	1.02%	0.00%	1.02% (Feb 2019)	0% (Mar 2018)	28.80 k
Kotak Mahindra Bank Ltd.	Banks	18.3	0.91%	-0.02%	0.93% (Jan 2019)	0.49% (Mar 2018)	15.04 k
State Bank Of India	Banks	15.6	0.78%	-0.05%	0.84% (Dec 2018)	0% (Mar 2018)	58.00 k
Marico Ltd.	Personal care	11.7	0.59%	-0.03%	0.63% (Dec 2018)	0% (Mar 2018)	34.40 k

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 14 (Category Avg - 22.48) | Modified Duration 1.52 Years (Category Avg - 1.97)| Yield to Maturity 7.83% (Category Avg - 8.95%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	8.07%
CD	0.00%	1.87%
NCD-ST	0.00%	0.01%
T-Bills	0.00%	1.83%
CP	0.00%	1.16%
NCD & Bonds	45.58%	51.49%
PTC	0.00%	0.97%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.00%	0.00%
Low Risk	45.58%	46.22%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Reverse Repo	Reverse Repo	27.61%
Net Receivables	Net Receivables	3.27%
Call	Call	0.02%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 28th February, 2019)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

4.3vs4.49

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

0.99vs0.9

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.12vs0.18

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.01vs0.02

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.38vs-0.98

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	4	1588.96	2.66	2.55	5.41	9.53	11.67
DHFL Pramerica Hybrid Debt Fund - Direct Plan - Growth	NA	20.25	2.27	2.96	4.76	9.12	9.79
Invesco India Regular Savings Fund - Direct Plan - Growth	NA	18.04	2.49	2.83	4.08	8.86	9.09
Canara Robeco Conservative Hybrid Fund - Direct Plan - Growth	3	202.83	2.62	2.51	5.30	8.62	8.87
Reliance Hybrid Bond Fund - Direct Plan - Growth	3	2022.50	1.63	2.52	4.68	8.14	9.44
BNP Paribas Conservative Hybrid Fund - Direct Plan - Growth	5	342.34	2.37	2.33	4.61	7.93	10.33
Essel Regular Savings Fund - Direct Plan - Growth	NA	42.24	2.46	2.34	4.24	7.87	8.88
Baroda Conservative Hybrid Fund - Plan B (Direct) - Growth	NA	19.07	2.12	0.45	6.06	7.53	7.89
UTI Regular Savings Fund - Direct Plan - Growth	3	2502.62	2.44	1.99	2.34	7.14	9.60
Axis Regular Saver Fund - Direct Plan - Growth	4	275.27	2.16	1.92	2.90	6.73	8.51

Detailed Comparison

More Funds from IDFC Mutual Fund

Out of 52 mutual fund schemes offered by this AMC, 5 is/are ranked 5 * , 6 is/are ranked 4 * , 6 is/are ranked 3 * , 4 is/are ranked 2 * , and 31 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
IDFC Cash Fund - Direct Plan - Growth	3	12321.78	0.52	1.70	3.58	7.41	7.19
IDFC Corporate Bond Fund - Direct Plan - Growth	4	12223.11	0.98	2.58	5.08	7.50	8.16
IDFC Bond Fund - Short Term - Direct Plan - Growth	5	5538.16	1.20	2.89	5.74	8.16	7.88
IDFC Multi Cap Fund - Direct Plan - Growth	2	5185.14	8.91	2.19	-1.92	3.52	12.06
IDFC Low Duration Fund - Direct Plan - Growth	5	3375.42	0.82	2.20	4.47	7.84	7.92
IDFC Arbitrage Fund - Direct Plan - Growth	4	3244.39	0.43	1.53	3.47	6.89	6.69
IDFC Banking & PSU Debt Fund - Direct Plan - Growth	5	3078.36	1.77	3.37	7.17	9.23	7.54
IDFC Sterling Value Fund - Direct Plan - Growth	3	2891.39	13.10	0.72	-2.26	-3.80	18.73
IDFC Core Equity Fund - Direct Plan - Growth	3	2800.68	9.91	1.11	-0.84	3.98	17.21
IDFC Bond Fund - Medium Term Plan - Direct Plan - Growth	5	2018.73	1.27	2.22	5.53	7.95	7.90

All funds

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Harshal Joshi appointed as the key personnel for IDFC MF

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I bought this mutual fund because index funds are safe to invest and i also hope that the value will grow as reliance seems to perform better. View more

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suggested by experts. anticipating for long term investment. There is a rise in stock View more

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Continuous good performance in small cap category, objective of long term View more

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Perfect blend of Large Cap & Mid Cap leading to capital appreciation View more

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I believe in the groth story of the Indian economy and hence i want to invest in the Indian stock markets and Tata is great capital company View more

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34.06 Lacs Extra Return With Direct Mutual Funds. No Lock In Period No Commission. View more

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IDFC Regular Savings Fund - Direct Plan - Growth

Returns (NAV as on 20th March, 2019)

SIP Returns (NAV as on 20th Mar,2019)

Tax Treatment

Portfolio (Updated on 28th Feb,2019)

Risk Ratios

Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Alternative Funds (Category Peers)

More Funds from IDFC Mutual Fund

News & Videos

Harshal Joshi appointed as the key personnel for IDFC MF

Check out: 2 dynamic bond funds you can park money in

IDFC Mutual Fund appoints new CEO

Where are bond yield headed? IDFC Mutual Fund answers

Forum

IDFC Regular Savings Fund - Direct Plan - Growth

Returns (NAV as on 20th March, 2019)

SIP Returns (NAV as on 20th Mar,2019)

Tax Treatment

Portfolio (Updated on 28th Feb,2019)

Risk Ratios

Jension's AlphaAlpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Alternative Funds (Category Peers)

More Funds from IDFC Mutual Fund

News & Videos

Harshal Joshi appointed as the key personnel for IDFC MF

Check out: 2 dynamic bond funds you can park money in

IDFC Mutual Fund appoints new CEO

Where are bond yield headed? IDFC Mutual Fund answers

Forum

Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.