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UTI Regular Savings Fund - Growth

  • Regular
  • Direct
Category : Conservative Hybrid Fund
Fund House : UTI Mutual Fund
  • NAV
    : ₹ 51.2507 -0.12%
    (as on 24th September, 2021)
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Crisil Rank
Below average performance among peers
Risk-O-Meter
Moderately High

Fund has 25.13% investment in indian stocks of which 12.92% is in large cap stocks, 8.23% is in mid cap stocks, 1.53% in small cap stocks.Fund has 67.67% investment in Debt of which 32.9% in Government securities, 32.12% in funds invested in very low risk securities..

Crisil Rank Change : Fund Crisil rank was updated from 3 to 2 in the previous quarter.

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Returns (NAV as on 24th September, 2021)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 17-Sep-21 10170.10 1.70% - 0.42% 2/25
1 Month 24-Aug-21 10418.10 4.18% - 2.30% 2/25
3 Month 24-Jun-21 10734.50 7.34% - 4.31% 1/25
6 Month 24-Mar-21 11117.80 11.18% - 7.88% 1/24
YTD 01-Jan-21 11164.90 11.65% - 7.89% 4/23
1 Year 24-Sep-20 12438.90 24.39% 24.39% 15.96% 2/23
2 Year 24-Sep-19 12520.20 25.20% 11.88% 10.63% 9/22
3 Year 24-Sep-18 12849.40 28.49% 8.71% 9.34% 15/22
5 Year 23-Sep-16 14662.20 46.62% 7.95% 7.40% 9/22
10 Year 23-Sep-11 25200.00 152.00% 9.67% 9.07% 8/22
Since Inception 16-Dec-03 51250.70 412.51% 9.62% 8.53% 7/25

SIP Returns (NAV as on 24th September, 2021)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 24-Sep-20 12000 13429.31 11.91 % 22.72 %
2 Year 24-Sep-19 24000 28793.49 19.97 % 18.54 %
3 Year 24-Sep-18 36000 43993.37 22.2 % 13.44 %
5 Year 23-Sep-16 60000 76701.62 27.84 % 9.75 %
10 Year 23-Sep-11 120000 196326.54 63.61 % 9.51 %
 

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 Aug,2021)

Portfolio Turnover Ratio : 2.00%  |   Category average turnover ratio is 17.83%  
Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)
Equity Holding : 25.13% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 25.13%
No of Stocks : 54 (Category Avg - 30.70) | Large Cap Investments : 12.92%| Mid Cap Investments : 8.23% | Small Cap Investments : 1.53% | Other : 2.45%

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
Bajaj Finance Ltd. Nbfc 312.7 1.94% 0.12% 1.99% (Jun 2021) 1.43% (Oct 2020) 41.56 k -5.55 k
HDFC Bank Ltd. Banks 262.5 1.63% 0.06% 1.68% (Feb 2021) 1.45% (Sep 2020) 1.66 L -0.12 L
Larsen & Toubro Infotech Ltd. Computers - software 240.4 1.49% 0.12% 1.49% (Aug 2021) 1.1% (Feb 2021) 45.24 k -1.90 k
Infosys Ltd. Computers - software 225.8 1.40% -0.03% 1.43% (Jul 2021) 0.99% (Nov 2020) 1.32 L -0.11 L
Mindtree Ltd. Computers - software 202.6 1.26% 0.19% 1.26% (Aug 2021) 0.48% (Sep 2020) 55.85 k -4.40 k
Housing Development Finance Corporation Ltd. Housing finance 188.9 1.17% 0.06% 1.17% (Aug 2021) 0.97% (Sep 2020) 67.51 k -5.90 k
Kotak Mahindra Bank Ltd. Banks 171.6 1.06% 0.06% 1.27% (Nov 2020) 0.97% (Sep 2020) 97.85 k 0.00
Info Edge (India) Ltd. It enabled services – software 150.4 0.93% 0.11% 0.93% (Aug 2021) 0.72% (Mar 2021) 24.33 k -1.07 k
- Avenue Supermarts Ltd. Retailing 148.5 0.92% 0.00% 0.92% (Aug 2021) 0.57% (Sep 2020) 37.54 k -4.96 k
Tata Consultancy Services Ltd. Computers - software 122.5 0.76% 0.12% 0.99% (Sep 2020) 0.64% (Jul 2021) 32.35 k 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 36 (Category Avg - 23.39) | Modified Duration 3.22 Years (Category Avg - 2.50)| Yield to Maturity - -- (Category Avg - 5.20%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 32.90% 28.91%
CD 0.00% 0.69%
T-Bills 0.00% 2.84%
CP 0.00% 0.86%
NCD & Bonds 33.36% 28.74%
PTC 1.41% 0.58%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 32.90% 31.75%
Low Risk 32.12% 24.95%
Moderate Risk 2.65% 5.89%
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 7.17%
Margin Margin 0.03%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st August, 2021)

  • Standard Deviation

    High volatility
    6.07vs4.31
    Category Avg
  • Beta

    High volatility
    1.11vs0.81
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.53vs0.7
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.03vs0.03
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -4.75vs-2.23
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Aditya Birla Sun Life Regular Savings Fund- Regular Plan - Growth 3 1243.84 2.80 4.95 8.65 25.75 9.84
HDFC Hybrid Debt Fund - Growth 3 2604.78 2.33 4.24 9.50 24.13 10.95
Kotak Debt Hybrid - Growth 4 930.57 3.61 5.80 10.68 22.70 13.29
SBI Debt Hybrid Fund - Regular Plan - Growth 3 3889.65 2.53 4.16 8.92 22.42 11.81
Axis Regular Saver Fund - Growth 2 316.54 2.30 5.18 9.07 19.52 9.10
Sundaram Debt Oriented Hybrid Fund - Growth 1 31.71 5.50 7.17 10.47 18.59 7.37
Canara Robeco Conservative Hybrid Fund - Regular Plan - Growth 5 816.59 2.00 4.03 8.09 17.57 12.41
HSBC Regular Savings Plan - Growth 4 86.76 2.58 4.89 8.26 17.21 10.19
DSP Regular Savings Fund - Regular Plan - Growth 3 226.58 1.30 3.43 7.95 16.92 8.08
Franklin India Debt Hybrid Fund  - Growth 4 206.42 1.65 3.00 6.04 16.22 8.54

More Funds from UTI Mutual Fund

Out of 121 mutual fund schemes offered by this AMC, 4 is/are ranked 5 * , 7 is/are ranked 4 * , 9 is/are ranked 3 * , 5 is/are ranked 2 * , 5 is/are ranked 1 * , and 91 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
UTI NIFTY Exchange Traded Fund 4 30281.86 7.44 13.39 23.56 67.06 18.81
UTI NIFTY Exchange Traded Fund 4 30281.86 7.44 13.39 23.56 67.06 18.81
UTI Liquid Cash Plan - Regular Plan - Growth 2 27348.96 0.26 0.83 1.64 3.22 5.07
UTI Flexi Cap Fund - Growth 5 22591.88 8.41 17.38 28.67 81.81 25.15
UTI SENSEX Exchange Traded Fund 5 17649.76 7.34 14.22 22.86 65.82 19.52
UTI SENSEX Exchange Traded Fund 5 17649.76 7.34 14.22 22.86 65.82 19.52
UTI Mastershare Unit Scheme - Growth 4 9292.71 7.81 13.80 24.83 68.62 19.21
UTI Money Market Fund - Regular Plan - Growth 4 9200.72 0.29 0.98 1.97 3.92 6.37
UTI Value Opportunities Fund - Growth 3 6545.22 6.32 12.31 24.36 70.34 19.37
UTI Mid Cap Fund - Growth 3 6445.68 9.07 15.93 30.39 78.36 23.86

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