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Aditya Birla Sun Life Mutual Fund

Aditya Birla Sun Life Regular Savings Fund | Regular Savings Fund - ABSLMF

Aditya Birla Sun Life Regular Savings Fund

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

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%]

Fund Details

  • Fund Type - Open-Ended
  • Class - Hybrid
  • Category - Conservative Hybrid
  • Min Investment - Rs. 1000/-
  • Fund Manager - Mr. Pranay Sinha & Mr. Satyabrata Mohanty & Mr. Vineet Maloo
  • Latest NAV - 38.074 (as on 16-Jan-2019)
  • Inception Date - May 22, 2004
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Applicable Value Added Service & Value Added Products

VAP (Value Added Products)

  • RSP

    RSP : Recurring Savings Plan is similar to CSIP, this offers RD kind of long term savings vehicle in MIP 25 & MTP while also providing Free Life Insurance benefit of upto Rs 25 Lacs

VAS (Value Added Services)

  • SIP

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

  • STP

    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

  • SWP

    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

  • SWF

    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

    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

Fund Performance

Graphical Data

Trailing Return

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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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Annual Quarterly Monthly Weekly
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Fund Management

  • Mr. Pranay Sinha

    Total Experience : 10 years

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    Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.Prior to joining BSLAMC , he has worked with BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. (October 2005 - March 2008).
  • Satyabrata M
    Mr. Satyabrata Mohanty

    Total Experience : 16 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 BSLAMC, he has worked with Aditya Birla Management Corporation Ltd & joined ABG as a management Trainee.
  • Mr. Vineet Maloo

    Total Experience : ​11 years

    View Full Profile
    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.

Portfolio and Sector Holdings

Top 10 Holdings (As on 31.12.2018)

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Issuer % to Net Assets
Top 10 Sector Holdings Chart

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, monthly income plan (MIP) comes in handy for investors. Its concept originates from the need for higher returns to conservative investors. The MIP 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 Birla Sun Life MIP II 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.

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.

Moderately High Risk
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Disclaimer

For further details on the Scheme, refer Scheme Information Document and Key Information Memorandum.

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