UTI Regular Savings Fund Direct Growth
HybridConservative AllocationModerately High risk
Direct
NAV (05-Sep-24)
₹71.560.16%1D
Returns (Since Inception)
10.15%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹1,638 Cr
Expense Ratio
1.18%
ISIN
INF789F01UJ7
Minimum SIP
₹1,000
Exit Load
1.00%
Inception Date
01 Jan 2013
About this fund
UTI Regular Savings Fund Direct Growth is a Conservative Allocation mutual fund schemes offered by UTI Mutual Fund. This fund has been in existence for 11 years, 8 months and 6 days, having been launched on 01-Jan-13.
As of 05-Sep-24, it has a Net Asset Value (NAV) of ₹71.56, Assets Under Management (AUM) of 1637.97 Crores, and an expense ratio of 1.18%.
As of 05-Sep-24, it has a Net Asset Value (NAV) of ₹71.56, Assets Under Management (AUM) of 1637.97 Crores, and an expense ratio of 1.18%.
- UTI Regular Savings Fund Direct Growth has given a CAGR return of 10.15% since inception.
- The fund's asset allocation comprises around 24.38% in equities, 73.29% in debts, and 2.08% in cash & cash equivalents.
- You can start investing in UTI Regular Savings Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+16.85%
+13.08% (Cat Avg.)
3 Years
+10.63%
+8.61% (Cat Avg.)
5 Years
+11.15%
+9.49% (Cat Avg.)
10 Years
+9.62%
+7.48% (Cat Avg.)
Since Inception
+10.15%
— (Cat Avg.)
Portfolio Summaryas of 31st July 2024
| Equity | ₹399.39 Cr | 24.38% |
| Debt | ₹1,200.41 Cr | 73.29% |
| Others | ₹38.17 Cr | 2.33% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹314.97 Cr | 19.23% |
| 7.18% Govt Stock 2037 | Bond - Gov't/Treasury | ₹203.33 Cr | 12.41% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹101.21 Cr | 6.18% |
| 7.41% Govt Stock 2036 | Bond - Gov't/Treasury | ₹77.61 Cr | 4.74% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹76.03 Cr | 4.64% |
| Power Finance Corporation Ltd. | Bond - Corporate Bond | ₹75.73 Cr | 4.62% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹50.91 Cr | 3.11% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹50.11 Cr | 3.06% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹50.01 Cr | 3.05% |
| HDFC Bank Ltd | Equity | ₹34.74 Cr | 2.12% |
| Net Current Assets | Cash | ₹32.59 Cr | 1.99% |
| 7.04% Govt Stock 2029 | Bond - Gov't/Treasury | ₹30.26 Cr | 1.85% |
| 07.02 Goi 2031 | Bond - Gov't/Treasury | ₹30.22 Cr | 1.84% |
| 7.32% Govt Stock 2030 | Bond - Gov't/Treasury | ₹25.54 Cr | 1.56% |
| 7.37% Govt Stock 2028 | Bond - Gov't/Treasury | ₹25.48 Cr | 1.56% |
| LIC Housing Finance Ltd. | Bond - Corporate Bond | ₹25.13 Cr | 1.53% |
| Tata Projects Limited | Bond - Corporate Bond | ₹25.07 Cr | 1.53% |
| Infosys Ltd | Equity | ₹21.48 Cr | 1.31% |
| ICICI Bank Ltd | Equity | ₹21.26 Cr | 1.30% |
| 7.3% Govt Stock 2053 | Bond - Gov't/Treasury | ₹20.6 Cr | 1.26% |
| 7.23% Govt Stock 2039 | Bond - Gov't/Treasury | ₹15.15 Cr | 0.92% |
| Bharti Airtel Ltd | Equity | ₹14.17 Cr | 0.87% |
| Kotak Mahindra Bank Ltd | Equity | ₹11.75 Cr | 0.72% |
| Axis Bank Ltd | Equity | ₹11.66 Cr | 0.71% |
| Tech Mahindra Ltd | Equity | ₹11.5 Cr | 0.70% |
| State Bank of India | Equity | ₹11.34 Cr | 0.69% |
| Mahindra & Mahindra Ltd | Equity | ₹9.01 Cr | 0.55% |
| IndusInd Bank Ltd | Equity | ₹8.57 Cr | 0.52% |
| Hindalco Industries Ltd | Equity | ₹8.37 Cr | 0.51% |
| Coal India Ltd | Equity | ₹8.36 Cr | 0.51% |
| Reliance Industries Ltd | Equity | ₹8.28 Cr | 0.51% |
| Mphasis Ltd | Equity | ₹7.67 Cr | 0.47% |
| Tata Steel Ltd | Equity | ₹7.36 Cr | 0.45% |
| Cipla Ltd | Equity | ₹7.26 Cr | 0.44% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹7.22 Cr | 0.44% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹7.03 Cr | 0.43% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹6.88 Cr | 0.42% |
| Bajaj Auto Ltd | Equity | ₹6.76 Cr | 0.41% |
| Great Eastern Shipping Co Ltd | Equity | ₹6.59 Cr | 0.40% |
| Mahindra & Mahindra Financial Services Ltd | Equity | ₹6.52 Cr | 0.40% |
| Phoenix Mills Ltd | Equity | ₹6.48 Cr | 0.40% |
| ICICI Prudential Life Insurance Company Limited | Equity | ₹6.26 Cr | 0.38% |
| Eicher Motors Ltd | Equity | ₹5.96 Cr | 0.36% |
| Glenmark Pharmaceuticals Ltd | Equity | ₹5.73 Cr | 0.35% |
| Aditya Birla Sun Life AMC Ltd | Equity | ₹5.65 Cr | 0.35% |
| Aditya Birla Fashion and Retail Ltd | Equity | ₹5.33 Cr | 0.33% |
| Coromandel International Ltd | Equity | ₹5.32 Cr | 0.32% |
| Shree Cement Ltd | Equity | ₹5.27 Cr | 0.32% |
| Info Edge (India) Ltd | Equity | ₹5.06 Cr | 0.31% |
| Bharat Electronics Ltd | Equity | ₹5.06 Cr | 0.31% |
| Eris Lifesciences Ltd Registered Shs | Equity | ₹5.01 Cr | 0.31% |
| Suven Pharmaceuticals Ltd | Equity | ₹4.99 Cr | 0.30% |
| Oil India Ltd | Equity | ₹4.79 Cr | 0.29% |
| Greenpanel Industries Ltd Ordinary Shares | Equity | ₹4.68 Cr | 0.29% |
| Dalmia Bharat Ltd | Equity | ₹4.63 Cr | 0.28% |
| Fortis Healthcare Ltd | Equity | ₹4.55 Cr | 0.28% |
| Mahanagar Gas Ltd | Equity | ₹4.49 Cr | 0.27% |
| CESC Ltd | Equity | ₹4.49 Cr | 0.27% |
| Marico Ltd | Equity | ₹4.38 Cr | 0.27% |
| Power Grid Corp Of India Ltd | Equity | ₹4.35 Cr | 0.27% |
| Samvardhana Motherson International Ltd | Equity | ₹4.32 Cr | 0.26% |
| CORPORATE DEBT MARKET DEVT FUND - A2 UNITS | Mutual Fund - Open End | ₹4.17 Cr | 0.25% |
| PNC Infratech Ltd | Equity | ₹4.07 Cr | 0.25% |
| PVR INOX Ltd | Equity | ₹4.05 Cr | 0.25% |
| Whirlpool of India Ltd | Equity | ₹3.97 Cr | 0.24% |
| ITC Ltd | Equity | ₹3.96 Cr | 0.24% |
| Metropolis Healthcare Ltd | Equity | ₹3.93 Cr | 0.24% |
| JSW Steel Ltd | Equity | ₹3.9 Cr | 0.24% |
| JSW Infrastructure Ltd | Equity | ₹3.73 Cr | 0.23% |
| AIA Engineering Ltd | Equity | ₹3.7 Cr | 0.23% |
| Symphony Ltd | Equity | ₹3.61 Cr | 0.22% |
| Emami Ltd | Equity | ₹3.59 Cr | 0.22% |
| Dabur India Ltd | Equity | ₹2.54 Cr | 0.16% |
| India (Republic of) | Bond - Short-term Government Bills | ₹2.46 Cr | 0.15% |
| Jubilant Foodworks Ltd | Equity | ₹2.22 Cr | 0.14% |
| Raymond Ltd | Equity | ₹1.97 Cr | 0.12% |
| HCL Technologies Ltd | Equity | ₹1.81 Cr | 0.11% |
| - Raymond Lifestyle Ltd | Equity | ₹1.79 Cr | 0.11% |
| Jamnagar Utilities & Power Private Limited | Bond - Corporate Bond | ₹1 Cr | 0.06% |
| Punjab, Government of 7.38% | Bond - Sub-sovereign Government Debt | ₹0.6 Cr | 0.04% |
| Clearing Corporation Of India Ltd. Std - Margin | Cash - Repurchase Agreement | ₹0.41 Cr | 0.03% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹124.77 Cr | 7.62% |
| Consumer Cyclical | ₹50.37 Cr | 3.08% |
| Technology | ₹42.46 Cr | 2.59% |
| Basic Materials | ₹39.52 Cr | 2.41% |
| Healthcare | ₹38.34 Cr | 2.34% |
| Communication Services | ₹23.28 Cr | 1.42% |
| Industrials | ₹23.14 Cr | 1.41% |
| Energy | ₹21.43 Cr | 1.31% |
| Consumer Defensive | ₹14.48 Cr | 0.88% |
| Utilities | ₹13.32 Cr | 0.81% |
| Real Estate | ₹6.48 Cr | 0.40% |
Risk & Performance Ratios
Standard Deviation
This fund
4.28%
Cat. avg.
4.23%
Lower the better
Sharpe Ratio
This fund
1.08
Cat. avg.
0.64
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.37
Higher the better
Fund Managers
Amit Premchandani
Since January 2022
Jaydeep Bhowal
Since April 2023
Additional Scheme Detailsas of 31st July 2024
ISIN | INF789F01UJ7 | Expense Ratio | 1.18% | Exit Load | 1.00% | Fund Size | ₹1,638 Cr | Age | 01 Jan 2013 | Lumpsum Minimum | ₹5,000 | Fund Status | Open Ended Investment Company | Benchmark | Nifty 50 Hybrid Comp Debt 15: 85 TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Conservative Allocation Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Bandhan Regular Savings Fund Regular Growth Moderately High risk | 2.0% | 0.0% | ₹116.26 Cr | 13.3% |
| Sundaram Debt Oriented Hybrid Fund Regular Growth Moderate Risk | 2.1% | 0.0% | ₹26.73 Cr | 11.1% |
| Parag Parikh Conservative Hybrid Fund Direct Growth Moderately High risk | 0.3% | 1.0% | ₹2148.47 Cr | 17.1% |
| Parag Parikh Conservative Hybrid Fund Regular Growth Moderately High risk | 0.6% | 1.0% | ₹2148.47 Cr | 16.8% |
| UTI Regular Savings Fund Regular Growth Moderately High risk | 1.8% | 1.0% | ₹1637.97 Cr | 16.1% |
| ICICI Prudential Regular Savings Fund Regular Growth High Risk | 1.7% | 1.0% | ₹3357.10 Cr | 15.3% |
| Nippon India Hybrid Bond Fund Regular Growth High Risk | 1.9% | 1.0% | ₹825.74 Cr | 9.8% |
| SBI Conservative Hybrid Fund Regular Growth High Risk | 1.1% | 1.0% | ₹10006.83 Cr | 14.3% |
| Canara Robeco Conservative Hybrid Fund Regular Growth Moderately High risk | 1.8% | 1.0% | ₹968.86 Cr | 13.0% |
| DSP Regular Saving Fund Regular Growth Moderately High risk | 1.2% | 0.0% | ₹176.94 Cr | 15.4% |
About the AMC
Total AUM
₹3,15,582 Cr
Address
UTI Towers, Gn Block, Mumbai, 400 051
Other Funds by UTI Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
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We're here to help.
What is the current NAV of UTI Regular Savings Fund Direct Growth?
The NAV of UTI Regular Savings Fund Direct Growth, as of 05-Sep-2024, is ₹71.56.
What are the returns of UTI Regular Savings Fund Direct Growth?
The fund has generated 16.85% over the last 1 year and 10.63% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of UTI Regular Savings Fund Direct Growth?
The fund's allocation of assets is distributed as 24.38% in equities, 73.29% in bonds, and 2.08% in cash and cash equivalents.
Who manages the UTI Regular Savings Fund Direct Growth?
The fund managers responsible for UTI Regular Savings Fund Direct Growth are:-
- Amit Premchandani
- Jaydeep Bhowal
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.