Dezerv

Fund Overview

Fund Size

Fund Size

₹1,579 Cr

Expense Ratio

Expense Ratio

1.80%

ISIN

ISIN

INF789F01893

Minimum SIP

Minimum SIP

₹1,000

Exit Load

Exit Load

1.00%

Inception Date

Inception Date

16 Dec 2003

About this fund

UTI Regular Savings Fund Regular Growth is a Conservative Allocation mutual fund schemes offered by UTI Mutual Fund. This fund has been in existence for 20 years, 3 months and 30 days, having been launched on 16-Dec-03.
As of 12-Apr-24, it has a Net Asset Value (NAV) of ₹61.29, Assets Under Management (AUM) of 1578.98 Crores, and an expense ratio of 1.8%.
  • UTI Regular Savings Fund Regular Growth has given a CAGR return of 9.33% since inception.
  • The fund's asset allocation comprises around 24.74% in equities, 71.71% in debts, and 3.29% in cash & cash equivalents.
  • You can start investing in UTI Regular Savings Fund Regular 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

+13.43%

+11.61%(Cat. Avg.)

3 Years

+9.82%

+8.73%(Cat. Avg.)

5 Years

+8.13%

+7.78%(Cat. Avg.)

10 Years

+9.16%

+7.67%(Cat. Avg.)

Since Inception

+9.33%

--%(Cat. Avg.)

Portfolio Summaryas of 31st March 2024

Equity390.64 Cr24.74%
Debt1,132.28 Cr71.71%
Others56.06 Cr3.55%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
7.18% Govt Stock 2033Bond - Gov't/Treasury262.73 Cr16.64%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond99.96 Cr6.33%
Power Finance Corporation Ltd.Bond - Corporate Bond75.96 Cr4.81%
Rural Electrification Corporation LimitedBond - Corporate Bond75.93 Cr4.81%
Net Current AssetsCash51.28 Cr3.25%
HDFC Bank LimitedBond - Corporate Bond50.7 Cr3.21%
7.37% Govt Stock 2028Bond - Gov't/Treasury50.61 Cr3.21%
Indian Railway Finance Corporation LimitedBond - Corporate Bond50.26 Cr3.18%
Small Industries Development Bank of IndiaBond - Corporate Bond50.13 Cr3.18%
Export-Import Bank of IndiaBond - Gov't Agency Debt49.97 Cr3.17%
Indian Railway Finance Corporation LimitedBond - Corporate Bond49.95 Cr3.16%
LIC Housing Finance LimitedBond - Corporate Bond49.95 Cr3.16%
HDFC Bank LtdEquity35.47 Cr2.25%
Jamnagar Utilities And Power Private LimitedBond - Corporate Bond35.13 Cr2.23%
State Bank Of IndiaBond - Corporate Bond29.68 Cr1.88%
Uttar Pradesh (Government of) 7.52%Bond - Sub-sovereign Government Debt25.3 Cr1.60%
Uttar Pradesh (Government of) 7.51%Bond - Sub-sovereign Government Debt25.21 Cr1.60%
Power Finance Corp Ltd.Bond - Corporate Bond25.07 Cr1.59%
Tata Projects LimitedBond - Corporate Bond25.05 Cr1.59%
Rural Electrification Corporation LimitedBond - Corporate Bond24.91 Cr1.58%
HDFC Bank LimitedBond - Corporate Bond24.86 Cr1.57%
HDFC Bank LimitedBond - Corporate Bond23.68 Cr1.50%
ICICI Bank LtdEquity22.41 Cr1.42%
Infosys LtdEquity19.03 Cr1.21%
Bharti Airtel LtdEquity15.36 Cr0.97%
Axis Bank LtdEquity15.32 Cr0.97%
7.26% Govt Stock 2029Bond - Gov't/Treasury15.14 Cr0.96%
State Bank of IndiaEquity12.79 Cr0.81%
Kotak Mahindra Bank LtdEquity11.61 Cr0.74%
Tech Mahindra LtdEquity11.23 Cr0.71%
Tata Steel LtdEquity10.13 Cr0.64%
Cipla LtdEquity8.83 Cr0.56%
Piramal Capital & Housing Finance LimitedBond - Corporate Bond8.54 Cr0.54%
Coal India LtdEquity8.25 Cr0.52%
Mahindra & Mahindra LtdEquity8.17 Cr0.52%
Bajaj Auto LtdEquity8.05 Cr0.51%
Mphasis LtdEquity8 Cr0.51%
Hindalco Industries LtdEquity7.56 Cr0.48%
Sun Pharmaceuticals Industries LtdEquity7.45 Cr0.47%
IndusInd Bank LtdEquity6.83 Cr0.43%
ICICI Lombard General Insurance Co LtdEquity6.74 Cr0.43%
Tata Motors LtdEquity6.7 Cr0.42%
Crompton Greaves Consumer Electricals LtdEquity6.15 Cr0.39%
Mahindra & Mahindra Financial Services LtdEquity5.99 Cr0.38%
ICICI Prudential Life Insurance Company LimitedEquity5.9 Cr0.37%
Phoenix Mills LtdEquity5.84 Cr0.37%
Oil India LtdEquity5.82 Cr0.37%
Eicher Motors LtdEquity5.63 Cr0.36%
Suven Pharmaceuticals LtdEquity5.6 Cr0.35%
Info Edge (India) LtdEquity5.59 Cr0.35%
Bharat Electronics LtdEquity5.54 Cr0.35%
Great Eastern Shipping Co LtdEquity5.26 Cr0.33%
Aditya Birla Fashion and Retail LtdEquity5.14 Cr0.33%
Godrej Consumer Products LtdEquity5.01 Cr0.32%
Raymond LtdEquity4.99 Cr0.32%
Samvardhana Motherson International LtdEquity4.98 Cr0.32%
Glenmark Pharmaceuticals LtdEquity4.72 Cr0.30%
Fortis Healthcare LtdEquity4.62 Cr0.29%
CESC LtdEquity4.58 Cr0.29%
Aditya Birla Sun Life AMC LtdEquity4.55 Cr0.29%
Coromandel International LtdEquity4.54 Cr0.29%
Shree Cement LtdEquity4.37 Cr0.28%
Metropolis Healthcare LtdEquity4.31 Cr0.27%
Marico LtdEquity4.23 Cr0.27%
Greenpanel Industries Ltd Ordinary SharesEquity4.2 Cr0.27%
Eris Lifesciences Ltd Registered ShsEquity4.11 Cr0.26%
Mahanagar Gas LtdEquity4.09 Cr0.26%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITSMutual Fund - Open End4.04 Cr0.26%
ITC LtdEquity3.99 Cr0.25%
LTIMindtree LtdEquity3.95 Cr0.25%
Whirlpool of India LtdEquity3.6 Cr0.23%
AIA Engineering LtdEquity3.52 Cr0.22%
Symphony LtdEquity3.39 Cr0.21%
Jubilant Foodworks LtdEquity3.37 Cr0.21%
JSW Infrastructure LtdEquity3.31 Cr0.21%
Emami LtdEquity3.13 Cr0.20%
Bharat Petroleum Corp LtdEquity3.01 Cr0.19%
India (Republic of)Bond - Short-term Government Bills2.41 Cr0.15%
PVR INOX LtdEquity1.31 Cr0.08%
PNC Infratech LtdEquity1.22 Cr0.08%
Nippon Life India Asset Management Ltd Ordinary SharesEquity1.08 Cr0.07%
Jamnagar Utilities & Power Private LimitedBond - Corporate Bond1 Cr0.06%
Clearing Corporation Of India Ltd. Std - MarginCash - Repurchase Agreement0.74 Cr0.05%

Allocation By Credit Quality (Debt)

AAA

AA

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services128.69 Cr8.15%
Consumer Cyclical60.16 Cr3.81%
Technology42.21 Cr2.67%
Healthcare39.66 Cr2.51%
Basic Materials30.8 Cr1.95%
Communication Services22.26 Cr1.41%
Industrials18.86 Cr1.19%
Energy17.08 Cr1.08%
Consumer Defensive16.35 Cr1.04%
Utilities8.68 Cr0.55%
Real Estate5.84 Cr0.37%

Risk & Performance Ratios

Standard Deviation

This fund

4.22%

Cat. avg.

4.36%

Lower the better

Sharpe Ratio

This fund

0.95

Cat. avg.

0.71

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

1.57

Higher the better

Fund Managers

Amit Premchandani

Amit Premchandani

Since January 2022

Jaydeep Bhowal

Jaydeep Bhowal

Since April 2023

Additional Scheme Detailsas of 31st March 2024

ISININF789F01893Expense Ratio1.80%Exit Load1.00%Fund Size₹1,579 CrAge16 Dec 2003Lumpsum Minimum₹5,000Fund StatusOpen Ended Investment CompanyBenchmarkNifty 50 Hybrid Comp Debt 15: 85 TR INR

Investment ObjectiveInvestment 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

Withdrawal within 1 year

Flat 15% tax on realised gains (STCG - short term capital gains)

Withdrawal after 1 year

10% tax on realised gains above Rs. 1 lakh per financial year (LTCG - long term capital gains)

Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies 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 nameExpense RatioExit LoadFund size
1Y
Bandhan Regular Savings Fund Regular Growth

Moderately High risk

2.0%0.0%₹120.20 Cr10.3%
Sundaram Debt Oriented Hybrid Fund Regular Growth

Moderate Risk

2.2%0.0%₹30.40 Cr10.0%
Parag Parikh Conservative Hybrid Fund Direct Growth

Moderately High risk

0.3%1.0%₹1888.61 Cr17.2%
Parag Parikh Conservative Hybrid Fund Regular Growth

Moderately High risk

0.7%1.0%₹1888.61 Cr16.9%
UTI Regular Savings Fund Regular Growth

Moderately High risk

1.8%1.0%₹1578.98 Cr13.4%
ICICI Prudential Regular Savings Fund Regular Growth

Moderately High risk

1.7%1.0%₹3417.40 Cr14.6%
Nippon India Hybrid Bond Fund Regular Growth

High Risk

1.9%1.0%₹781.75 Cr9.4%
SBI Conservative Hybrid Fund Regular Growth

High Risk

1.1%1.0%₹9642.13 Cr14.1%
Canara Robeco Conservative Hybrid Fund Regular Growth

Moderately High risk

1.8%1.0%₹991.33 Cr11.4%
DSP Regular Saving Fund Regular Growth

Moderately High risk

1.2%0.0%₹174.01 Cr13.8%

About the AMC

Total AUM

₹2,75,399 Cr

Address

UTI Towers, Gn Block, Mumbai, 400 051

Other Funds by UTI Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
UTI Innovation Fund Direct Growth

Very High Risk

1.0%1.0%₹624.38 Cr-
UTI Fixed Income Interval Fund Annual Plan I Direct Growth

Low Risk

-0.0%₹20.40 Cr6.9%
UTI Fixed Term Income Fund - Series XXXV-I (1260 Days) Direct Growth

Low to Moderate Risk

-0.0%-7.1%
UTI Fixed Term Income Fund - Series XXXV-III (1176 Days) Direct Growth

Low to Moderate Risk

-0.0%-7.0%
UTI FIIF Ser 2 Qt Interval V Direct Growth

Low Risk

-1.0%₹4.80 Cr6.9%
UTI Fixed Income Interval Fund Quarterly I Direct Growth

Low to Moderate Risk

-0.0%₹10.46 Cr7.1%
UTI Fixed Inc Intvl Series2 Qt Intvl VI Direct Growth

Moderate Risk

-1.0%₹11.46 Cr7.2%
UTI-Fixed Term Income Fund - Series XXX-VI (1107 days) Direct Growth

Low to Moderate Risk

-0.0%-10.0%
UTI-Fixed Term Income Fund - Series XXX - VII (1294 days) Direct Growth

Low to Moderate Risk

-0.0%--
UTI Fixed Term Income Fund - Series XXXV-II (1223 Days) Direct Growth

Moderate Risk

---7.1%
UTI Fixed Income Interval Fund Annual Plan III Direct Growth

Low to Moderate Risk

-0.0%₹13.38 Cr6.7%
UTI Fixed Term Income Fund - Series XXXVI-I (1574 days) Direct Growth

Moderate Risk

-0.0%-6.9%
UTI Floater Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹1488.67 Cr7.5%
UTI Nifty 500 Value 50 Index Fund Direct Growth

Very High Risk

0.5%0.0%₹211.72 Cr-
UTI Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.3%0.0%₹982.63 Cr6.8%
UTI Focused Equity Fund Direct Growth

Very High Risk

0.6%1.0%₹2431.23 Cr40.2%
UTI Silver ETF Fund of Fund Direct Growth

Very High Risk

0.1%1.0%₹27.09 Cr-
UTI Nifty200 Momentum 30 Index Fund Direct Growth

Very High Risk

0.5%0.0%₹4848.58 Cr70.4%
UTI Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹5570.38 Cr6.8%
UTI Corporate Bond Fund Direct Growth

Moderate Risk

0.3%0.0%₹3547.50 Cr7.2%
UTI Nifty Midcap 150 Quality 50 Index Fund Direct Growth

Very High Risk

0.5%0.0%₹176.10 Cr33.8%
UTI Arbitrage Fund Direct Growth

Low Risk

0.4%0.0%₹4548.63 Cr8.3%
UTI Small Cap Fund Direct Growth

Very High Risk

0.5%1.0%₹3531.62 Cr43.0%
UTI Ultra Short Term Fund Direct Growth

Moderate Risk

0.4%0.0%₹2196.92 Cr7.6%
UTI Credit Risk Fund Direct Growth

Moderately High risk

0.9%1.0%₹395.91 Cr7.4%
UTI Dividend Yield Fund Direct Growth

Very High Risk

1.4%1.0%₹3586.43 Cr43.8%
UTI Banking and Financial Services Fund Direct Growth

Very High Risk

1.2%1.0%₹1031.88 Cr29.3%
UTI Dynamic Bond Fund Direct Growth

Moderate Risk

0.7%0.0%₹382.86 Cr7.4%
UTI Hybrid Equity Fund Direct Growth

Very High Risk

1.3%1.0%₹5243.15 Cr33.3%
UTI Long Term Equity Fund Direct Growth

Very High Risk

0.9%0.0%₹3437.26 Cr33.5%
UTI Flexi Cap Fund Direct Growth

Very High Risk

0.9%1.0%₹24503.54 Cr22.8%
UTI Bond Fund Direct Growth

Moderate Risk

1.3%0.0%₹303.49 Cr6.4%
UTI Liquid Fund Cash Plan Direct Growth

Moderate Risk

0.2%0.0%₹26476.76 Cr7.3%
UTI Gilt Fund Direct Growth

Moderate Risk

0.7%0.0%₹644.37 Cr6.9%
UTI India Consumer Fund Direct Growth

Very High Risk

1.6%1.0%₹584.12 Cr38.1%
UTI Infrastructure Fund Direct Growth

Very High Risk

1.9%1.0%₹2085.09 Cr55.1%
UTI MNC Fund Direct Growth

Very High Risk

1.2%1.0%₹2767.03 Cr33.4%
UTI Master Share Unit Scheme Direct Growth

Very High Risk

0.8%1.0%₹12146.68 Cr29.6%
UTI Regular Savings Fund Direct Growth

Moderately High risk

1.2%1.0%₹1578.98 Cr14.1%
UTI Money Market Fund Direct Growth

Moderate Risk

0.2%0.0%₹11679.82 Cr7.7%
UTI Mid Cap Fund Direct Growth

Very High Risk

0.8%1.0%₹9943.94 Cr44.5%
UTI Value Opportunities Fund Direct Growth

Very High Risk

1.1%1.0%₹8556.62 Cr38.9%
UTI Healthcare Fund Direct Growth

Very High Risk

1.4%1.0%₹947.26 Cr51.6%
UTI Nifty 50 Index Fund Direct Growth

Very High Risk

0.2%0.0%₹15648.55 Cr27.6%
UTI Transportation & Logistics Fund Direct Growth

Very High Risk

0.8%1.0%₹3107.87 Cr62.9%
UTI Short Term Income Fund Direct Growth

Moderate Risk

0.4%0.0%₹2503.35 Cr7.9%
UTI - Treasury Advantage Fund Direct Growth

Moderate Risk

0.4%0.0%₹3151.16 Cr7.3%
UTI Multi Asset Fund Direct Growth

Very High Risk

1.1%1.0%₹1277.99 Cr42.9%
UTI Core Equity Fund Direct Growth

Very High Risk

1.2%1.0%₹2642.60 Cr49.0%
UTI Medium Term Fund Direct Growth

Moderate Risk

1.0%1.0%₹41.45 Cr6.9%

Risk Level

Your principal amount will be at Moderately High risk

Moderately High risk
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The NAV of UTI Regular Savings Fund Regular Growth, as of 12-Apr-2024, is ₹61.29.
The fund has generated 13.43% over the last 1 year and 9.82% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 24.74% in equities, 71.71% in bonds, and 3.29% in cash and cash equivalents.
The fund managers responsible for UTI Regular Savings Fund Regular Growth are:-
  1. Amit Premchandani
  2. Jaydeep Bhowal