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IDFC Regular Savings Fund - Regular Plan - Growth

  • Regular
  • Direct
Category : Conservative Hybrid Fund
Fund House : IDFC Mutual Fund
  • NAV
    : ₹ 26.2228 -0.04%
    (as on 02nd December, 2022)
Crisil Rank
Below average performance among peers
Risk-O-Meter
Moderately High

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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Returns (NAV as on 02nd December, 2022)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 25-Nov-22 10044.20 0.44% - 0.52% 14/21
1 Month 02-Nov-22 10077.80 0.78% - 1.35% 21/21
3 Month 02-Sep-22 10085.20 0.85% - 2.15% 21/21
6 Month 02-Jun-22 10348.30 3.48% - 5.27% 21/21
YTD 31-Dec-21 10084.90 0.85% - 4.86% 20/20
1 Year 02-Dec-21 10087.90 0.88% 0.88% 4.95% 20/20
2 Year 02-Dec-20 10872.00 8.72% 4.27% 8.28% 18/18
3 Year 02-Dec-19 11576.70 15.77% 5.00% 8.02% 16/18
5 Year 30-Nov-17 12800.00 28.00% 5.05% 6.21% 15/18
10 Year 30-Nov-12 20744.60 107.45% 7.56% 8.24% 14/18
Since Inception 25-Feb-10 26222.80 162.23% 7.84% 7.98% 14/22

SIP Returns (NAV as on 02nd December, 2022)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 02-Dec-21 12000 12173.89 1.45 % 2.69 %
2 Year 02-Dec-20 24000 24724.63 3.02 % 2.89 %
3 Year 02-Dec-19 36000 38624.16 7.29 % 4.62 %
5 Year 30-Nov-17 60000 68658.56 14.43 % 5.33 %
10 Year 30-Nov-12 120000 167674.46 39.73 % 6.51 %
 

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 1M Change in Qty
Bank Of Baroda Banks 11.7 0.71% 0.07% 0.71% (Oct 2022) 0% (Nov 2021) 78.99 k 0.00
Larsen & Toubro Infotech Ltd. Computers - software 10.8 0.66% 0.04% 0.66% (Oct 2022) 0% (Nov 2021) 2.27 k 0.00
Avenue Supermarts Ltd. Retailing 10.7 0.65% -0.01% 0.66% (Sep 2022) 0% (Nov 2021) 2.47 k 0.00
Jubilant Foodworks Ltd. Consumer food 10.6 0.65% -0.01% 0.66% (Sep 2022) 0% (Nov 2021) 17.39 k 0.00
SRF Ltd. Chemicals - speciality 10.3 0.63% 0.02% 0.67% (Sep 2022) 0% (Nov 2021) 4.01 k 0.00
Tata Power Co. Ltd. Power 10.2 0.62% 0.02% 0.65% (Sep 2022) 0% (Nov 2021) 45.09 k 0.00
Prataap Snacks Ltd. Consumer food 9.8 0.60% 0.02% 0.6% (Oct 2022) 0% (Nov 2021) 10.56 k 0.00
Cholamandalam Investment & Finance Co. Ltd. Nbfc 9.8 0.60% -0.02% 0.65% (Sep 2022) 0% (Nov 2021) 13.78 k 0.00
Godrej Consumer Products Ltd Personal care 9.6 0.59% -0.05% 0.64% (Sep 2022) 0% (Nov 2021) 11.56 k 0.00
SBI Cards and Payment Services Ltd. Nbfc 9.5 0.58% -0.06% 0.65% (Sep 2022) 0% (Nov 2021) 11.53 k 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
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%
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%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th November, 2022)

  • Standard Deviation

    High volatility
    5.78vs4.99
    Category Avg
  • Beta

    High volatility
    1.14vs0.83
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    -0.15vs0.27
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    -0.01vs0.02
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -3.22vs-0.14
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Bank of India Conservative Hybrid Fund - Regular Plan - Growth 3 57.44 0.83 1.60 4.58 22.05 13.97
Parag Parikh Conservative Hybrid Fund - Regular Plan - Growth NA 1063.25 1.88 1.79 5.32 7.09 0.00
HDFC Hybrid Debt Fund - Growth 4 2745.66 1.95 3.26 7.02 6.59 10.03
Aditya Birla Sun Life Regular Savings Fund- Regular Plan - Growth 3 1692.24 1.16 2.16 5.52 5.90 9.53
ICICI Prudential Regular Savings Fund - Growth 4 3302.84 1.17 2.19 5.55 5.78 8.98
SBI Conservative Hybrid Fund - Regular Plan - Growth 5 6807.38 1.32 2.50 6.14 5.30 11.03
Nippon India Hybrid Bond Fund - Growth 2 725.42 0.98 2.06 4.48 5.15 1.96
Franklin India Debt Hybrid Fund  - Growth 3 260.05 1.71 2.95 6.26 4.81 6.73
Kotak Debt Hybrid Fund - Growth 5 1600.76 1.23 2.60 6.58 4.70 10.78
DSP Regular Savings Fund - Regular Plan - Growth 1 200.81 1.16 1.86 4.47 4.27 6.95

More Funds from IDFC Mutual Fund

Out of 55 mutual fund schemes offered by this AMC, 4 is/are ranked 5 * , 3 is/are ranked 4 * , 12 is/are ranked 3 * , 6 is/are ranked 2 * , 2 is/are ranked 1 * , and 28 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
IDFC Corporate Bond Fund - Regular Plan - Growth 3 16418.15 0.70 0.98 2.58 2.23 5.85
IDFC Banking & PSU Debt Fund - Regular Plan - Growth 5 14964.13 0.55 1.19 2.50 3.28 5.73
IDFC Cash Fund - Regular Plan - Growth 4 11965.42 0.52 1.45 2.71 4.54 3.98
IDFC Bond Fund - Short Term - Regular Plan - Growth 5 9652.77 0.99 1.14 3.07 2.65 5.16
IDFC CRISIL Gilt 2027 Index Fund - Regular Plan - Growth NA 6499.93 1.52 1.69 4.08 2.10 0.00
IDFC CRISIL Gilt 2027 Index Fund - Regular Plan - Growth NA 6499.93 1.48 1.54 3.79 1.66 0.00
IDFC Flexi Cap Fund - Regular Plan - Growth 3 5903.79 1.90 3.31 13.05 4.38 14.59
IDFC Low Duration Fund - Regular Plan - Growth 3 5682.74 0.67 1.21 2.66 3.76 4.74
IDFC Sterling Value Fund - Regular Plan - Growth 5 5097.86 2.09 4.95 12.46 11.43 26.11
IDFC Tax Advantage (ELSS) Fund - Regular Plan - Growth 5 3986.13 2.33 5.61 12.14 9.69 23.79

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