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

: ₹ 23.4684 0.17%
(as on 11th October, 2019)

Crisil Rank

Above average performance among peers

Fund Size

: ₹ 194.85 Cr

(1.4% of Investment in Category)

Expense Ratio

: 1.31%

(1.21% Category average)

Risk-O-Meter

Moderately High

Conservative Hybrid Fund :Conservative Hybrid Fund : Fund has 23.11% investment in indian stocks of which 16.64% is in large cap stocks, 3.7% is in mid cap stocks, 1.01% in small cap stocks.Fund has 75.07% investment in Debt of which 9.06% in Government securities, 66.01% in funds invested in very low risk securities..

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

Nifty 50

0.37%

0.64%

5.42%

13.01%

6.89%

9.25%

0%
NA
0.85%

0.81%

1.78%

8.29%

4.59%

8.2%

8.97%

NA
Gold

Compare with

Date : -
NAV : -
Nifty 50 : -

1M
3M
6M
9M
1Y
2Y
3Y
5Y
ALL

Date : -
Investment : -
Value on selected date : -

Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

₹

Investment Date
Sell Date

Investment Value

-
Sell Value

-
Profit/Loss

-
Annualised Returns

-

Date : -
Investment : -
Value on selected date : -

Returns (NAV as on 11th October, 2019)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	04-Oct-19	10033.30	0.33%	-	0.30%	9/21
1 Month	11-Sep-19	10119.80	1.20%	-	0.85%	5/21
3 Month	11-Jul-19	10168.00	1.68%	-	0.81%	4/21
6 Month	11-Apr-19	10381.70	3.82%	-	1.78%	7/21
YTD	01-Jan-19	10657.90	6.58%	-	1.66%	7/21
1 Year	11-Oct-18	11050.30	10.50%	10.50%	8.29%	8/21
2 Year	11-Oct-17	11099.40	10.99%	5.35%	4.59%	11/21
3 Year	10-Oct-16	12061.30	20.61%	6.44%	5.85%	8/21
5 Year	10-Oct-14	15235.70	52.36%	8.78%	8.20%	7/20
Since Inception	02-Jan-13	18147.00	81.47%	9.19%	8.97%	9/21

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 11th October, 2019)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	11-Oct-18	12000	12595.81	4.97 %	9.31 %
2 Year	11-Oct-17	24000	25765.49	7.36 %	6.98 %
3 Year	10-Oct-16	36000	39740.89	10.39 %	6.52 %
5 Year	10-Oct-14	60000	72448.04	20.75 %	7.47 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Portfolio (Updated on 30th Sep,2019)

Equity Holding : 23.11% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 23.11%

No of Stocks : 28 (Category Avg - 31.59) | Large Cap Investments : 16.64%| Mid Cap Investments : 3.7% | Small Cap Investments : 1.01% | Other : 1.76%

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	1M Change in Qty
ICICI Bank Ltd.	Banks	40.8	2.09%	0.07%	2.11% (Apr 2019)	1.28% (Oct 2018)	94.00 k	0.00
Axis Bank Ltd.	Banks	37.3	1.92%	0.92%	1.92% (Sep 2019)	0.65% (Oct 2018)	54.50 k	25.70 k
HDFC Bank Ltd.	Banks	34.4	1.76%	0.12%	2.41% (Mar 2019)	1.64% (Jul 2019)	28.00 k	28.00 k
Reliance Industries Ltd.	Refineries/marketing	32	1.64%	0.07%	2.24% (Apr 2019)	1.46% (Jul 2019)	24.00 k	0.00
Kotak Mahindra Bank Ltd.	Banks	24.7	1.27%	0.14%	1.27% (Sep 2019)	0.82% (Oct 2018)	15.04 k	0.00
Hindustan Unilever Ltd.	Diversified	23.9	1.23%	0.04%	1.23% (Sep 2019)	0.95% (Oct 2018)	12.08 k	0.00
Larsen & Toubro Ltd.	Engineering, designing, construction	21.8	1.12%	0.09%	1.16% (Jun 2019)	0% (Oct 2018)	14.80 k	0.00
Nestle India Ltd.	Consumer food	21.4	1.10%	0.06%	1.1% (Sep 2019)	0.39% (Oct 2018)	1.54 k	0.00
ITC Limited	Cigarettes	20.9	1.07%	0.03%	1.52% (Nov 2018)	1.04% (Aug 2019)	80.48 k	0.00
Infosys Ltd.	Computers - software	19.7	1.01%	-0.70%	2% (Feb 2019)	1.01% (Sep 2019)	24.40 k	-0.16 L

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

Detailed Portfolio Analysis

No of Debt Holding 21 (Category Avg - 21.82) | Modified Duration 2.83 Years (Category Avg - 2.50)| Yield to Maturity 7.28% (Category Avg - 7.86%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	9.06%	9.88%
CD	0.00%	3.88%
NCD-ST	0.00%	0.00%
T-Bills	0.00%	0.17%
NCD & Bonds	66.01%	48.56%
CP	0.00%	1.10%
PTC	0.00%	0.98%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	9.06%	10.04%
Low Risk	66.01%	46.13%
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	3.94%
Call	Call	0.07%
Net Receivables	Net Receivables	-2.19%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 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

3.42vs4.14

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.

Low volatility

0.8vs0.83

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.

Better risk adjusted returns

0.12vs0.03

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.

Better risk adjusted returns

-1.32vs-1.71

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Baroda Conservative Hybrid Fund - Plan B (Direct) - Growth	NA	36.54	0.22	-0.23	7.32	15.78	7.74
Kotak Debt Hybrid - Direct Plan - Growth	3	254.90	1.11	1.43	4.33	12.83	6.65
Canara Robeco Conservative Hybrid Fund - Direct Plan - Growth	5	204.25	1.13	1.61	4.59	12.60	6.91
HSBC Regular Savings Plan - Direct Plan - Growth	4	106.31	0.40	0.17	3.52	10.93	5.26
SBI Debt Hybrid Fund - Direct Plan - Growth	3	1086.84	1.32	1.93	2.52	10.92	5.60
BNP Paribas Conservative Hybrid Fund - Direct Plan - Growth	4	394.25	1.01	1.45	4.31	10.84	7.87
L&T Conservative Hybrid Fund - Direct Plan - Growth	NA	35.45	0.54	0.75	4.57	10.78	6.13
LIC MF Debt Hybrid Fund - Direct Plan - Growth	5	66.52	0.69	1.69	4.72	10.40	5.82
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	3	1649.69	1.01	1.21	3.15	10.39	8.46
Franklin India Debt Hybrid Fund - Plan A - Direct - Growth	3	309.40	0.85	1.45	3.48	9.76	5.77

Detailed Comparison

More Funds from IDFC Mutual Fund

Out of 54 mutual fund schemes offered by this AMC, 7 is/are ranked 5 * , 4 is/are ranked 4 * , 5 is/are ranked 3 * , 5 is/are ranked 2 * , and 33 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	5	15834.69	0.56	2.22	4.37	9.90	7.27
IDFC Cash Fund - Direct Plan - Growth	5	11944.46	0.45	1.46	3.19	6.92	6.96
IDFC Arbitrage Fund - Direct Plan - Growth	5	10163.42	0.58	1.65	3.90	7.25	6.85
IDFC Bond Fund - Short Term - Direct Plan - Growth	5	10051.77	0.52	2.56	5.17	11.26	7.77
IDFC Banking & PSU Debt Fund - Direct Plan - Growth	3	9714.70	0.43	2.69	5.85	13.35	8.08
IDFC Multi Cap Fund - Direct Plan - Growth	2	5529.48	4.00	1.65	-0.62	8.89	5.71
IDFC Low Duration Fund - Direct Plan - Growth	5	4874.16	0.55	2.21	4.36	9.11	7.72
IDFC Ultra Short Term Fund - Direct Plan - Growth	NA	3846.83	0.58	2.05	4.15	8.83	0.00
IDFC Sterling Value Fund - Direct Plan - Growth	3	3030.77	-1.17	-9.50	-13.13	-3.85	4.59
IDFC Bond Fund - Medium Term Plan - Direct Plan - Growth	5	2939.22	0.36	1.89	5.81	11.54	7.73