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 :

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

: ₹ 28.587 0.09%
(as on 30th November, 2022)

Crisil Rank

Below average performance among peers

Fund Size

: ₹ 163.26 Cr

(0.72% of Investment in Category)

Expense Ratio

: 1.17%

(0.85% Category average)

Risk-O-Meter

Moderately High

Conservative Hybrid Fund :Conservative Hybrid Fund : The fund has 12.34% investment in domestic equities of which 1.95% is in Large Cap stocks, 3.78% is in Mid Cap stocks, 3.09% in Small Cap stocks.The fund has 56.68% investment in Debt, of which 44.41% in Government securities, 12.27% is in Low Risk securities.

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This Scheme

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Nifty 50

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NA
1.66%

2.06%

5.54%

6.18%

9.39%

7.24%

8.8%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Profit/Loss

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Annualised Returns

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Returns (NAV as on 30th November, 2022)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	23-Nov-22	10052.30	0.52%	-	0.72%	20/21
1 Month	28-Oct-22	10112.20	1.12%	-	1.66%	21/21
3 Month	30-Aug-22	10058.80	0.59%	-	2.06%	21/21
6 Month	30-May-22	10363.90	3.64%	-	5.54%	21/21
YTD	31-Dec-21	10154.60	1.55%	-	5.58%	20/20
1 Year	30-Nov-21	10205.80	2.06%	2.06%	6.18%	20/20
2 Year	27-Nov-20	11099.40	10.99%	5.33%	9.39%	18/18
3 Year	29-Nov-19	11886.10	18.86%	5.92%	9.02%	17/18
5 Year	30-Nov-17	13366.10	33.66%	5.97%	7.24%	16/18
Since Inception	02-Jan-13	22104.90	121.05%	8.33%	8.80%	14/21

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 30th November, 2022)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	30-Nov-21	12000	12229.34	1.91 %	3.54 %
2 Year	27-Nov-20	24000	24967.78	4.03 %	3.84 %
3 Year	29-Nov-19	36000	39173.68	8.82 %	5.55 %
5 Year	30-Nov-17	60000	70275.2	17.13 %	6.25 %

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 31st Oct,2022)

Equity Holding : 12.34% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 12.34%

No of Stocks : 24 (Category Avg - 33.95) | Large Cap Investments : 1.95%| Mid Cap Investments : 3.78% | Small Cap Investments : 3.09% | Other : 3.52%

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
Bank Of Baroda	Banks	11.7	0.71%	0.07%	0.71% (Oct 2022)	0% (Nov 2021)	78.99 k
Larsen & Toubro Infotech Ltd.	Computers - software	10.8	0.66%	0.04%	0.66% (Oct 2022)	0% (Nov 2021)	2.27 k
Avenue Supermarts Ltd.	Retailing	10.7	0.65%	-0.01%	0.66% (Sep 2022)	0% (Nov 2021)	2.47 k
Jubilant Foodworks Ltd.	Consumer food	10.6	0.65%	-0.01%	0.66% (Sep 2022)	0% (Nov 2021)	17.39 k
SRF Ltd.	Chemicals - speciality	10.3	0.63%	0.02%	0.67% (Sep 2022)	0% (Nov 2021)	4.01 k
Tata Power Co. Ltd.	Power	10.2	0.62%	0.02%	0.65% (Sep 2022)	0% (Nov 2021)	45.09 k
Prataap Snacks Ltd.	Consumer food	9.8	0.60%	0.02%	0.6% (Oct 2022)	0% (Nov 2021)	10.56 k
Cholamandalam Investment & Finance Co. Ltd.	Nbfc	9.8	0.60%	-0.02%	0.65% (Sep 2022)	0% (Nov 2021)	13.78 k
Godrej Consumer Products Ltd	Personal care	9.6	0.59%	-0.05%	0.64% (Sep 2022)	0% (Nov 2021)	11.56 k
SBI Cards and Payment Services Ltd.	Nbfc	9.5	0.58%	-0.06%	0.65% (Sep 2022)	0% (Nov 2021)	11.53 k

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

Detailed Portfolio Analysis

No of Debt Holding 12 (Category Avg - 31.23) | Modified Duration 1.86 Years (Category Avg - 2.33)| Yield to Maturity 7.05% (Category Avg - 7.41%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	44.41%	33.71%
CD	5.88%	2.54%
T-Bills	0.00%	3.56%
NCD & Bonds	6.39%	23.84%
CP	0.00%	0.77%
PTC	0.00%	0.27%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	44.41%	37.27%
Low Risk	12.27%	26.21%
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	22.24%
MF Units	MF Units	8.18%
	MF Units	8.18%
Net Receivables	Net Receivables	0.56%
Margin	Margin	0.00%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 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

5.78vs4.98

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

1.15vs0.83

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.

Poor risk adjusted returns

-0.23vs0.18

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

-0.01vs0.01

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

-2.96vs-0.07

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Conservative Hybrid Fund - Direct Plan - Growth	3	57.44	1.27	1.58	4.95	23.13	14.53
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	NA	1063.25	1.71	1.58	5.16	7.88	0.00
HDFC Hybrid Debt Fund - Direct Plan - Growth	3	2745.66	2.23	3.16	7.20	7.49	10.39
Aditya Birla Sun Life Regular Savings Fund- Direct Plan - Growth	3	1692.24	1.60	2.20	5.86	7.13	10.34
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	3	3302.84	1.48	2.23	5.79	6.98	9.83
Kotak Debt Hybrid Fund - Direct Plan - Growth	5	1600.76	1.54	2.60	7.20	6.51	12.11
Nippon India Hybrid Bond Fund - Direct Plan - Growth	2	725.42	1.32	2.11	4.75	6.15	2.62
SBI Conservative Hybrid Fund - Direct Plan - Growth	4	6807.38	1.30	2.45	6.21	6.02	11.54
Franklin India Debt Hybrid Fund - Direct - Growth	3	260.05	1.95	2.76	6.40	5.88	7.52
Navi Regular Savings Fund - Direct Plan - Growth	NA	27.98	1.44	2.56	5.01	5.61	6.72

Detailed Comparison

More Funds from

Out of 44 mutual fund schemes offered by this AMC, 4 is/are ranked 5 * , 2 is/are ranked 4 * , 8 is/are ranked 3 * , 7 is/are ranked 2 * , 2 is/are ranked 1 * , and 21 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	2	16418.15	0.73	1.07	2.65	2.51	6.17
IDFC Banking & PSU Debt Fund - Direct Plan - Growth	5	14964.13	0.64	1.29	2.63	3.58	6.07
IDFC Cash Fund - Direct Plan - Growth	4	11965.42	0.56	1.50	2.77	4.62	4.04
IDFC Bond Fund - Short Term - Direct Plan - Growth	5	9652.77	1.00	1.13	3.07	2.99	5.64
IDFC CRISIL Gilt 2027 Index Fund - Direct Plan - Growth	NA	6499.93	1.33	1.16	3.46	1.53	0.00
IDFC Flexi Cap Fund - Direct Plan - Growth	3	5903.79	3.22	2.95	13.87	6.70	15.28
IDFC Low Duration Fund - Direct Plan - Growth	1	5682.74	0.72	1.27	2.75	4.00	4.97
IDFC Sterling Value Fund - Direct Plan - Growth	5	5097.86	2.67	4.13	12.37	13.77	26.96
IDFC Tax Advantage (ELSS) Fund - Direct Plan - Growth	5	3986.13	3.70	5.47	13.37	13.42	24.95
IDFC Arbitrage Fund - Direct Plan - Growth	3	3853.11	0.46	1.34	2.30	4.28	4.42