Investment Objective

The objective of the scheme is to provide you with regular income with an opportunity to grow your money through fixed income investments and a limited exposure to equity markets.

This product is suitable for investors who are seeking

Regular income with capital growth over medium to long term
Investments in debt and money market instruments as well as equity and equity related securities [10-25%]

Value Added Products:

SIP

Systematic Investment Plan - Available Online & Offline for Direct & Regular investors to iron out intermittent market volatility and enable long term savings

Salient features of SIP:

Step-up SIP – This facility lets investors enhance the SIP amount during regular intervals. This allows you to make the most out of your SIP investments by increasing your contributions towards those schemes that are performing well. Additionally, you can also increase your investment amount when there is a hike in your pay.

Multi Scheme SIP Facility - The Facility enables investors to subscribe under various Schemes through SIP using a single application form and payment instruction.

STP

Systematic Transfer Plan (STP) allows investors to save in both asset classes by transfering a fixed amount from one scheme and invest in another scheme

Investors have the option of:

Daily Systematic Transfer Plan
Weekly Systematic Transfer Plan
Monthly Systematic Transfer Plan
Quarterly Systematic Transfer Plan

Minimum Balance in the scheme at the time of enrollment for STP facility:

Daily Systematic Transfer Plan: Minimum balance in the scheme at the time of enrollment should be Rs.10,000/-
Weekly Systematic Transfer Plan: Minimum balance in the scheme at the time of enrollment should be Rs.6000
Monthly Systematic Transfer Plan: Minimum balance in the scheme at the time of enrollment should be Rs.6000
Quarterly Systematic Transfer Plan: Minimum balance in the scheme at the time of enrollment should be Rs.8000

Minimum Transfer Amount

For STP installments greater than Rs.500 but less than Rs.999, Investors are required to instruct for minimum 12 transfers of Rs.500 and in multiples of Re. 1thereafter. For STP installments of Rs.1000 and above, Investors are required to instruct for minimum 6 transfers of Rs.1000 and in multiples of Re. 1 thereafter.

SWP

Systematic Withdrawal Plan allows investors to withdraw a fixed amount of money from their mutual fund to build sustainable income streams while saving on Tax also

Investors have the option of:

Fixed Withdrawal - which allows investors of the Growth Plan to withdraw a fixed amount at regular intervals. Investors can withdraw fixed amount of Rs1,000/- each and above at regular intervals.

Appreciation Withdrawal - which allows investors of Growth Plan to withdraw the appreciation amount at regular intervals. Investors can withdraw appreciation of Rs1,000/- and above at regular intervals.

Withdrawal Frequency:

For Fixed Withdrawal Option: Investors can withdraw fixed amount on 1 or 7 or 10 or 14 or 20 or 21 or 28 of month/quarter/Half yearly and Annually for minimum 6 months/ 4 quarter/2 half years and 1 year. For Appreciation Withdrawal Option: Investors can withdraw appreciation on the 1 of each month/quarter for minimum 6 months/ 4 quarter.

SWF

Smart Withdrawal Facility offers fixed payment option & variable payment option to allow investor to receive income @@8% p.a. at fixed intervals or equivalent to dividend payment in the fund respectively. This helps in building regular cash flows, Tax efficiency, No TDS, No exit load impact. Available in BAF, Bal '95, BDYP, MIP 25, MTP, CBF, DBF, STOP

CATP

Capital Appreciation Transfer Plan (CATP) allows investors to preserve their capital and transfer only capital appreciation to another asset class / scheme at regular intervals

CSIP

Century SIP - SIP to enable your long term wealth creation while providing Free Life Insurance of upto Rs 50 Lacs

Century SIP - In addition to the regular SIP facility for the Scheme, Aditya Birla Sun Life Century SIP (CSIP) gives the benefit of Free Life Insurance cover up to Rs.50Lacs. It is eligible for individual investors whose age is 18 years and above but less than 51 years, at the time of the first investment. In case of joint unit holders in the scheme, only the first unit holder would be eligible for the insurance cover.

Investment Amount in Century SIP

Minimum: Rs1000 per month
Maximum: No upper limit

Investors should note that once CSIP is availed, CSIP amount cannot be changed. However, investors can avail the step-up SIP feature.

Tenure of Century SIP

60 Years and less than the current completed age of the investor. If the investor has chosen an end date which is beyond 60 years of age the SIP will continue beyond the age of 60, however without any insurance benefits.

Amount of Insurance Cover:

If Century SIP continues, the insurance cover would be as follows:

Year 1 : 10 times the monthly Century SIP installment
Year 2 : 50 times the monthly Century SIP installment
Year 3 onwards : 100 times the monthly Century SIP installment

All the above mentioned limits are subject to maximum cover of Rs.50 lacs per investor across all schemes/plans/folios of the fund.

Fund Details

Fund Type - Open-Ended
Class - Hybrid
Category - Conservative Hybrid
Min Investment - Rs. 500/-

Fund Manager - Mr. Pranay Sinha & Mr. Satyabrata Mohanty & Mr. Vineet Maloo
Latest NAV - 35.744 (as on 07-Apr-2020)
Inception Date - May 23, 2004

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Fund Performance

Graphical Data

Trailing Return

Funds are bucketed on various parameters with respect to other funds in their category.
*Annualized returns are displayed for 1 year and above.

Annualized Returns

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Fund Management

Mr. Pranay Sinha

Total Experience : 13 years

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Pranay Sinha is a Fund Manager with Aditya Birla Sun Life AMC Limited (ABSLAMC). Pranay has an overall experience of close to 13 years, with over a decade in fund management and trading in Indian Rates markets. He also has experience in currency trading.

Prior to joining ABSLAMC in 2014, Pranay has worked with BNP Paribas Bank, Morgan Stanley Investment Management Private Limited and ICICI Prudential Asset Management Company Limited.

Pranay has done his MBA from IIM Kolkata and holds a B.Tech degree in Aerospace Engineering from IIT Kharagpur.
Mr. Satyabrata Mohanty

Total Experience : 17 years

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Mr. Satyabrata Mohanty is a CA, CFA. He has been part of Birla group since last 17 years. He has over 12 years of experience in Finance and Research. He has handled responsibilities across Fund Management (Equity & Debt), Trading and Credit Research functions. Prior to joining ABSLAMC, he has worked with Aditya Birla Management Corporation Ltd & joined ABG as a management Trainee.
Mr. Vineet Maloo

Total Experience : 11 years

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Vineet has 7 years of experience. He has been providing analytical support to the Chief Financial Officer of Hindalco Industries Limited, prior to which he has worked with Aditya Birla Management Corporation Ltd.

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Different plans shall have a different expense structure. The performance details provided herein are of (regular / direct) plan.

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Your Investment Summary

Investment AmountRs 5000
Initial units per month 29.5
Current valueRs 50,000
Current NAV value 260
Current Units 30
XIRR

Internal rate of return or annualized yield for a schedule of cash flows occurring at irregular intervals.

5.10%
Benchmark XIRR

Internal Rate of return or annualized yield for a schedule of cash flows occurring at irregular intervals for respective benchmark index.

8%

Portfolio and Sector Holdings

Top 10 Holdings (As on 29.02.2020)

Issuer	% to Net Assets

Top 10 Sector Holdings Chart

Portfolio Holding

Issuer	% to Net Assets

Fund Summary

Entry Load

Exit Load

Load Comments

NIL

1%: For redemption / switch-out of units within 365 days from the date of allotment (% of applicable NAV) NIL : For redemption / switch-out of units after 365 days from the date of allotment

In respect of each purchase / switch-in of Units, upto 15% of the units may be redeemed / switched-out without any exit load from the date of allotment. Any redemption in excess of this limit shall be subject to the given exit load.(w.e.f. October 10, 2016) **Exit Load is NIL for units issued in Dividend Reinvestment.

Highlights

Regular income with capital growth over medium to long term
Dual benefit through growth potential of equity

Inflation Adjusted Returns

India has witnessed high inflation in recent past, and so returns from traditional fixed income instruments have typically not been able to beat the inflation. If an investor can’t get a rate of return better than inflation, the money starts losing its value. Therefore, it is important for investors to invest in an instrument that can at least help provide inflation-beating returns. In this backdrop, Regular Savings Fund comes in handy for investors. Its concept originates from the need for higher returns to conservative investors. The product relies on small dosages of equities in a predominantly debt portfolio to provide the returns a growth kicker.

How Wealth 25 is different

The Wealth 25 variant of Aditya Birla Sun Life Regular Savings Fund addresses the needs of investors with a moderate risk profile.With a moderate level of risk, and a small increase in the amount of equity investments, to the tune of 20-30%, it can generate an above-average and inflation-beating return. The fund seeks to provide regular income with an opportunity to grow money through fixed income investments and a limited exposure to the equity markets. Since inception in 2004, year on year, this fund has been able to beat its benchmark on most occasions.

Discipline

The Fund invests in various debt securities and money market instruments issued by corporates and/or state and central government. With the aim of controlling risks, rigorous indepth credit evaluation of the instruments proposed to be invested in is carried out by the Investment Team of the AMC. The credit evaluation includes a study of the operating environment of the company, the past track record as well as the future prospects of the issuer, the short as well as long-term financial health of the issuer. The AMC is also guided by the ratings of rating agencies such as CRISIL, CARE and ICRA or any other rating agency as approved by the regulators. The Fund Benchmark is CRISIL Hybrid 85+15 - Conservative Index.

Aditya Birla Sun Life Regular Savings Fund

(An open ended hybrid scheme investing predominantly in debt instruments)

This product is suitable for investors who are seeking*

Regular income with capital growth over medium to long term
Investments in debt and money market instruments as well as equity and equity related securities [10-25%]

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.