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

: ₹ 27.4134 0.48%
(as on 20th May, 2022)

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Crisil Rank

Below average performance among peers

Fund Size

: ₹ 177.08 Cr

(0.81% of Investment in Category)

Expense Ratio

: 1.16%

(0.88% Category average)

Risk-O-Meter

Moderately High

Conservative Hybrid Fund :Conservative Hybrid Fund : Fund has 15.58% investment in indian stocks of which 13.43% is in large cap stocks, 0.94% is in mid cap stocks.Fund has 55.91% investment in Debt of which 41.92% in Government securities, 13.99% in funds invested in very low risk securities..

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This Scheme

VS

Nifty 50

-1.97%

-2.66%

-2.76%

2.05%

8.31%

7.81%

9.15%
NA
-2.38%

-1.28%

-0.96%

6.42%

12.62%

7.02%

8.21%

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 May, 2022)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	13-May-22	10053.00	0.53%	-	0.17%	18/22
1 Month	20-Apr-22	9799.50	-2.01%	-	-2.38%	14/22
3 Month	18-Feb-22	9715.10	-2.85%	-	-1.28%	16/21
6 Month	18-Nov-21	9696.70	-3.03%	-	-0.96%	16/21
YTD	31-Dec-21	9737.70	-2.62%	-	-0.85%	16/21
1 Year	20-May-21	10268.70	2.69%	2.69%	6.42%	20/20
2 Year	20-May-20	11753.50	17.54%	8.41%	12.62%	18/19
3 Year	20-May-19	12035.70	20.36%	6.37%	7.95%	16/19
5 Year	19-May-17	13351.00	33.51%	5.94%	7.02%	18/19
Since Inception	02-Jan-13	21197.50	111.98%	8.34%	8.21%	13/22

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 20th May, 2022)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	20-May-21	12000	11841.05	-1.32 %	-2.45 %
2 Year	20-May-20	24000	24822.25	3.43 %	3.28 %
3 Year	20-May-19	36000	38838.75	7.89 %	5 %
5 Year	19-May-17	60000	69501.58	15.84 %	5.82 %

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 30th Apr,2022)

Equity Holding : 15.58% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 15.58%

No of Stocks : 13 (Category Avg - 37.05) | Large Cap Investments : 13.43%| Mid Cap Investments : 0.94% | Small Cap Investments : 0% | Other : 1.21%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
Tata Consultancy Services Ltd.	Computers - software	27.4	1.55%	-0.04%	1.67% (Jan 2022)	0.6% (Jul 2021)	7.73 k
Reliance Industries Ltd.	Refineries/marketing	25.3	1.43%	0.12%	2.08% (Jun 2021)	1.14% (Jul 2021)	9.06 k
Bajaj Finance Ltd.	Nbfc	24.1	1.36%	-0.08%	1.52% (Jan 2022)	0.42% (May 2021)	3.61 k
State Bank Of India	Banks	23.9	1.35%	0.04%	1.69% (Oct 2021)	0.46% (May 2021)	48.20 k
Infosys Ltd.	Computers - software	23.9	1.35%	-0.25%	1.6% (Mar 2022)	1.1% (Jul 2021)	15.26 k
ICICI Bank Ltd.	Banks	23.5	1.33%	0.06%	1.56% (Oct 2021)	1.22% (Nov 2021)	31.62 k
Divis Laboratories Ltd.	Pharmaceuticals	23.4	1.32%	0.06%	1.48% (Oct 2021)	0.15% (May 2021)	5.20 k
HDFC Bank Ltd.	Banks	21.5	1.21%	-0.05%	1.87% (May 2021)	0.96% (Jul 2021)	15.54 k
Maruti Suzuki India Ltd.	Passenger/utility vehicles	18.5	1.04%	0.04%	1.12% (Jan 2022)	0.27% (Jun 2021)	2.39 k
Hindustan Unilever Ltd.	Diversified	16.9	0.95%	0.10%	1% (Oct 2021)	0.44% (Jul 2021)	7.54 k

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

Detailed Portfolio Analysis

No of Debt Holding 14 (Category Avg - 31.36) | Modified Duration 2.03 Years (Category Avg - 2.01)| Yield to Maturity 5.54% (Category Avg - 5.71%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	41.92%	30.27%
CD	0.00%	2.49%
T-Bills	0.00%	5.16%
NCD & Bonds	13.99%	26.42%
CP	0.00%	2.90%
PTC	0.00%	0.38%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	41.92%	35.44%
Low Risk	13.99%	30.59%
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 (%)
TREPS	TREPS	20.44%
MF Units	MF Units	7.13%
Net Receivables	Net Receivables	0.94%
Margin	Margin	0.00%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 29th April, 2022)

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.

High volatility

5.69vs5.08

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

1.16vs0.88

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

0.42vs0.59

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

0.02vs0.03

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

-3.93vs-1.48

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
BOI AXA Conservative Hybrid - Direct Plan - Growth	1	55.65	-2.21	16.81	16.15	23.79	9.40
Sundaram Debt Oriented Hybrid Fund - Direct Plan - Growth	1	32.11	-2.12	-1.86	-2.20	9.49	6.33
UTI Regular Savings Fund - Direct Plan - Growth	3	1600.81	-2.47	-2.20	-3.05	8.34	7.53
SBI Conservative Hybrid Fund - Direct Plan - Growth	4	5976.04	-1.98	-0.92	-1.59	8.23	10.69
Aditya Birla Sun Life Regular Savings Fund- Direct Plan - Growth	3	1726.83	-2.81	-2.86	-0.24	8.09	9.37
Kotak Debt Hybrid - Direct Plan - Growth	5	1468.63	-2.25	-1.75	-2.25	7.24	11.81
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	3	3284.94	-1.77	-1.29	-0.42	6.97	9.40
Nippon India Hybrid Bond Fund - Direct Plan - Growth	1	703.96	-1.25	-0.74	0.62	6.69	1.51
HDFC Hybrid Debt Fund - Direct Plan - Growth	3	2710.51	-2.67	-1.48	-1.36	6.48	9.08
Axis Regular Saver Fund - Direct Plan - Growth	3	445.92	-2.69	-2.94	-2.85	5.09	7.49

Detailed Comparison

More Funds from IDFC Mutual Fund

Out of 43 mutual fund schemes offered by this AMC, 6 is/are ranked 5 * , 4 is/are ranked 4 * , 6 is/are ranked 3 * , 7 is/are ranked 2 * , and 20 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
IDFC Corporate Bond Fund - Direct Plan - Growth	4	17597.07	-1.01	-1.09	-0.10	2.14	6.79
IDFC Banking & PSU Debt Fund - Direct Plan - Growth	3	17075.76	-0.44	-0.03	0.92	2.94	7.56
IDFC Cash Fund - Direct Plan - Growth	4	11871.20	0.27	0.88	1.77	3.47	4.12
IDFC Bond Fund - Short Term - Direct Plan - Growth	5	11133.75	-1.07	-1.08	-0.12	2.08	6.62
IDFC Low Duration Fund - Direct Plan - Growth	2	6250.62	-0.28	0.22	1.17	3.04	5.59
IDFC Flexi Cap Fund - Direct Plan - Growth	2	5644.87	-8.03	-9.63	-12.59	5.79	10.56
IDFC Arbitrage Fund - Direct Plan - Growth	3	4917.18	0.42	0.84	1.99	4.32	4.83
IDFC Ultra Short Term Fund - Direct Plan - Growth	2	4694.72	-0.04	0.61	1.56	3.30	5.06
IDFC Sterling Value Fund - Direct Plan - Growth	5	4635.91	-6.94	-3.86	-3.18	19.55	19.80
IDFC Tax Advantage (ELSS) Fund - Direct Plan - Growth	5	3741.56	-7.43	-4.76	-6.30	14.15	18.72