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UTI Regular Savings Fund - Growth

  • Regular
  • Direct
Category : Conservative Hybrid Fund
Fund House : UTI Mutual Fund
  • NAV
    : ₹ 53.8014 0.16%
    (as on 08th December, 2022)
Crisil Rank
Average performance among peers
Risk-O-Meter
Moderately High

The fund has 24.98% investment in domestic equities of which 13.36% is in Large Cap stocks, 3.35% is in Mid Cap stocks, 2.78% in Small Cap stocks.The fund has 66.56% investment in Debt, of which 33.61% in Government securities, 31.28% is in Low Risk securities.

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Returns (NAV as on 08th December, 2022)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 01-Dec-22 9984.30 -0.16% - -0.16% 11/21
1 Month 07-Nov-22 10122.20 1.22% - 1.13% 9/22
3 Month 08-Sep-22 10152.50 1.52% - 1.45% 10/22
6 Month 08-Jun-22 10660.60 6.61% - 5.61% 6/22
YTD 31-Dec-21 10373.90 3.74% - 4.67% 11/21
1 Year 08-Dec-21 10356.20 3.56% 3.56% 4.54% 11/21
2 Year 08-Dec-20 11958.30 19.58% 9.35% 7.80% 6/19
3 Year 06-Dec-19 13056.00 30.56% 9.27% 8.06% 6/19
5 Year 08-Dec-17 13833.50 38.34% 6.70% 6.16% 6/19
10 Year 07-Dec-12 23376.10 133.76% 8.85% 8.16% 6/19
Since Inception 16-Dec-03 53801.40 438.01% 9.26% 7.89% 5/23

SIP Returns (NAV as on 08th December, 2022)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 08-Dec-21 12000 12481.33 4.01 % 7.5 %
2 Year 08-Dec-20 24000 25969.04 8.2 % 7.77 %
3 Year 06-Dec-19 36000 41869.17 16.3 % 10.05 %
5 Year 08-Dec-17 60000 74066.17 23.44 % 8.35 %
10 Year 07-Dec-12 120000 184037.26 53.36 % 8.28 %
 

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)

Portfolio Turnover Ratio : 93.00%  |   Category average turnover ratio is 31.96%  
Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)
Equity Holding : 24.98% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 24.98%
No of Stocks : 60 (Category Avg - 36.23) | Large Cap Investments : 13.36%| Mid Cap Investments : 3.35% | Small Cap Investments : 2.78% | Other : 5.49%

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
HDFC Bank Ltd. Banks 374.2 2.33% 0.10% 2.35% (Jul 2022) 1.67% (Nov 2021) 2.50 L 0.00
ICICI Bank Ltd. Banks 298.5 1.86% 0.02% 2.11% (Jan 2022) 0.26% (Nov 2021) 3.29 L -0.12 L
Infosys Ltd. Computers - software 276.8 1.73% 0.11% 2.22% (Mar 2022) 1.38% (Nov 2021) 1.80 L -2.50 k
Axis Bank Ltd. Banks 203.9 1.27% 0.19% 1.32% (Mar 2022) 0% (Nov 2021) 2.25 L -0.10 L
State Bank Of India Banks 154.9 0.97% 0.07% 0.97% (Oct 2022) 0% (Nov 2021) 2.70 L 0.00
Bharti Airtel Ltd. Telecom - services 153.9 0.96% -0.05% 1.17% (Mar 2022) 0.37% (Dec 2021) 1.85 L -0.15 L
Aditya Birla Fashion and Retail Ltd. Retailing 115 0.72% 0.01% 0.72% (Oct 2022) 0% (Nov 2021) 3.25 L 0.00
ITC Limited Cigarettes 109.8 0.68% 0.01% 0.68% (Oct 2022) 0% (Nov 2021) 3.15 L -5.00 k
- Maruti Suzuki India Ltd. Passenger/utility vehicles 95.3 0.59% 0.00% 0.64% (Dec 2021) 0.39% (Mar 2022) 10.00 k -0.70 k
Eicher Motors Ltd. Commercial vehicles 88.6 0.55% -0.03% 0.58% (Sep 2022) 0.26% (Nov 2021) 23.00 k -2.00 k
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 36 (Category Avg - 31.73) | Modified Duration 3.74 Years (Category Avg - 2.33)| Yield to Maturity 7.64% (Category Avg - 7.41%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 33.46% 36.98%
CD 1.50% 2.49%
T-Bills 0.15% 3.50%
NCD & Bonds 30.71% 23.86%
CP 0.00% 0.77%
PTC 0.74% 0.27%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 33.61% 40.48%
Low Risk 31.28% 26.19%
Moderate Risk 1.67% 1.21%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
Net Receivables Net Receivables 8.30%
Margin Margin 0.16%

Risk Ratios

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

  • Standard Deviation

    High volatility
    6.08vs4.99
    Category Avg
  • Beta

    High volatility
    1.12vs0.83
    Category Avg
  • Sharpe Ratio

    Better risk adjusted returns
    0.48vs0.27
    Category Avg
  • Treynor's Ratio

    Better risk adjusted returns
    0.03vs0.02
    Category Avg
  • Jension's Alpha

    Better risk adjusted returns
    0.61vs-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 63.40 0.39 1.05 4.87 21.94 14.00
Parag Parikh Conservative Hybrid Fund - Regular Plan - Growth NA 1063.25 2.05 1.41 5.30 6.95 0.00
HDFC Hybrid Debt Fund - Growth 4 2745.66 1.50 2.64 7.53 6.32 10.42
Aditya Birla Sun Life Regular Savings Fund- Regular Plan - Growth 3 1692.24 1.06 1.49 6.23 5.76 9.69
ICICI Prudential Regular Savings Fund - Growth 4 3302.84 0.89 1.46 6.09 5.43 9.11
SBI Conservative Hybrid Fund - Regular Plan - Growth 5 6807.38 1.25 1.70 6.69 4.98 11.17
Nippon India Hybrid Bond Fund - Growth 2 725.42 0.83 1.77 4.65 4.96 2.04
Franklin India Debt Hybrid Fund  - Growth 3 260.05 1.51 2.06 6.66 4.42 6.85
Kotak Debt Hybrid Fund - Growth 5 1600.76 1.06 1.84 7.26 4.35 11.02
DSP Regular Savings Fund - Regular Plan - Growth 1 200.81 1.27 1.48 5.12 4.17 7.19

More Funds from UTI Mutual Fund

Out of 68 mutual fund schemes offered by this AMC, 3 is/are ranked 5 * , 5 is/are ranked 4 * , 15 is/are ranked 3 * , 6 is/are ranked 2 * , 2 is/are ranked 1 * , and 37 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
UTI Nifty 50 ETF 4 39493.58 2.24 4.68 14.47 7.87 17.13
UTI Nifty 50 ETF 4 39493.58 2.24 4.68 14.47 7.87 17.13
UTI Liquid Cash Plan - Regular Plan - Growth 3 29071.74 0.52 1.48 2.76 4.62 4.06
UTI S&P BSE Sensex ETF 5 26315.21 2.30 5.01 14.64 8.02 16.86
UTI S&P BSE Sensex ETF 5 26315.21 2.30 5.01 14.64 8.02 16.86
UTI Flexi Cap Fund - Growth 2 26133.40 -1.12 -3.09 9.78 -10.29 17.36
UTI Overnight Fund - Growth NA 10978.09 0.47 1.43 2.66 4.46 3.67
UTI Mastershare Unit Scheme - Growth 3 10877.78 1.60 2.36 13.16 1.34 16.84
UTI Nifty 50 Index Fund - Growth 4 8940.96 2.22 4.62 14.33 7.57 16.87
UTI Nifty 50 Index Fund - Growth 4 8940.96 2.25 4.70 14.52 7.95 17.33

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