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Aditya Birla Sun Life AMC Limited

Aditya Birla Sun Life Regular Savings Fund

Hybrid Conservative Hybrid Fund

An open ended hybrid scheme investing predominantly in debt instruments

AUM (In crores)

NAV

Annualized Returns %

1 Year

3 Year

5 Year

Since Inception

V/S :

Since Inception

10Y

15Y

20Y

Aditya Birla Sun Life Regular Savings Fund

SIP Amount

₹

Min . ₹ 100

Lumpsum Amount

₹

Min. ₹ 500

Fund Overview
portfolio
Performance
Fund Summary
Downloads
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Fund Overview

Aditya Birla Sun Life Regular Savings Fund is an open-ended hybrid scheme investing predominantly in debt instruments.

Investment Objective

The primary objective of the scheme is to generate regular income so as to make monthly payments or distribution to unitholders, with the secondary objective being growth of capital. There can be no assurance that the Scheme objectives will be realised.

Why one can invest:

If you are a conservative investor looking to invest in a mix of high allocation to debt instruments and limited allocation to equity.
If you are looking to earn reasonable returns, albeit with a moderate risk appetite that comes with a limited exposure to equity
If you are looking to have a diversified portfolio of corporate and sovereign debt instruments along with equity with investments as small as Rs.500
If you are looking to invest for a medium to long-term investing horizon – 3 to 5 years or more

Fund Details

CAGR

Latest NAV

(as on )

AUM

()

Inception Date

()

Risk

Investment Horizon

3 to 5 years or more

Annualized Benchmark Returns

Min Investment

Entry load

NIL

Exit load

Yes

For redemption /switch-out of units on or before 90 days from the date of allotment: 1.00% of applicable NAV. For redemption /switch-out of units after 90 days from the date of allotment: Nil.

Additional Features
Quatitative Features

Total Expense Ratio (TER)

Sharp Ratio

Beta Ratio

Other Parameters

Standard Deviation

Modified Duration

Yield to Maturity

Portfolio Turnover:

Average Maturity

Macaulay Duration

Net Equity Exposure

Fund Managers

Mr. Dhaval Joshi

Dhaval Joshi has an overall experie...

Mr. Dhaval Shah

Dhaval Shah is a Fund Manager and S...

Mr. Harshil Suvarnkar

Harshil Suvarnkar is a fund manager...

(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 whether the product is suitable for them

Portfolio & Sector Holdings

Retail

% of Net Assets

Sector Holdings

Dividend History

Any income received under this option would be considered as income for the investors and hence would be taxed at applicable tax slab rates.

Graphical
IDCW

Investment Performance

IDCW Plan of this scheme has distributed income to its investors out of its earnings, from time to time. The details of the same is tabulated:

Declared on date	IDCW Yield (Regular Plan)	IDCW Per Unit	Cum IDCW NAV

For lumpsum investments, if the investment period is less than 1 year then same return values are displayed for absolute & XIRR. For periods above 1 year, they are annualized. 1 Year is assumed as 365 days.
Returns for investments in income distribution cum capital withdrawal (IDCW) plans of schemes are calculated after assuming that the net income distribution cum capital withdrawal (IDCW) payouts post statutory taxes & levies, are re-invested back in the scheme.
Income distribution cum capital withdrawals (IDCW) declared from benchmark's constituents isn't taken into account when comparing with investment in scheme's income distribution cum capital withdrawal (IDCW) plans
Performance is always compared against the latest benchmark of the scheme irrespective of the date of change of scheme's benchmark, if any.
Except when SIP tenure is since inception, for all tenures, the start day for SIP investments is considered as 1st of every month. There is no end date to SIPs for the purpose of graphs
For the purpose of NAV date applicability, if the investment date happens to be a non-business day, next business day's NAV is applied. Investment on inception date can happen on a non-business day.
Gold prices are available post 29 JAN, 2005 & are based on daily closing values on MCX.
Investment in gold has a strong global market demand and gold is highly liquid asset.
PPF interest rate is assumed at 8.7% p.a. & interest received is compounded daily for the returns illustration in the charts.
The comparison with PPF (and other traditional saving instruments/assets) has been given for the purpose of the general information only. Investments in mutual funds should not be construed as a promise, guarantee on or a forecast of any minimum returns. Unlike traditional saving instruments there is no capital protection guarantee or assurance of any return in mutual fund investment. Traditional savings instruments are comparatively low risk products and are generally backed by the Government. Investment in mutual funds carries high risk as compared to the traditional saving instruments and any investment decision needs to be taken only after consulting the Tax Consultant or Mutual Fund Distributor.
For Flexi Cap Fund, the TRI data is not available since inception of the Scheme. The respective benchmark performance for the Scheme is calculated using composite CAGR of:
Nifty 500 TR PRI values from 29 Apr, 1997 to 30 Jun, 1999 and TRI values from 30 Jun, 1999 onwards

Fund Summary

- Investing has several objectives. Some investors seek out high growth and capital appreciation, some seek reasonable returns with consistency of income generation, whereas others may fall somewhere in the middle.>

- To meet the requirement of regular income, traditional fixed income instruments have been relied upon. However, these may have drawbacks like low returns that may not be able to beat inflation, difficulty/cost of pre-mature liquidation etc.

- Conservative hybrid funds could be an alternative to this, aiming to earn better than average and inflation-beating returns through an allocation to debt and equity. Good quality debt funds have a higher percentage allocation to meet the regular income needs with low volatility, whereas a limited exposure to equity is made for its capital growth potential

- Aditya Birla Sun Life Regular Savings Fund is a conservative hybrid fund. It aims to earn regular returns from debt with an extra push from its equity allocation, to ultimately earn returns that can potentially beat inflation rates.

- The fund is suited for a medium to long-term investing period

Fund discipline

The Scheme aims to allocate between 75% to 90% of its net assets to Debt and Money market securities issued by corporates and/or state and central government, to generate regular returns
The Scheme may also invest 10 to 25% of its net assets in equity and equity related instruments to seek capital appreciation. It may also invest a small portion in units of REITs and InvITs
With the aim of managing risks, in-depth credit evaluation of debt instruments is done, while also placing reliance on ratings of accredited rating agencies. Macro-economic conditions are also studied to predict likely direction interest rates so as to position the portfolio accordingly.
A combination of top-down and bottom-up stock selection approach is followed for equity and equity related instruments.

Value Added Products

- Systematic Transfer Plan (STP) investing allows investors to periodically transfer a pre-decided investment amount from this fund into any other open ended fund of Aditya Birla Sun Life

- STP facility is available on daily, weekly, monthly or quarterly basis

- Systematic Withdrawal Plan (SWP) investing allows investors to provide standing instructions for periodic withdrawal of specified amounts from investment in the fund.

- The withdrawal can be ‘fixed withdrawal’ which specifies a fixed amount, or ‘appreciation withdrawal’ which provides for withdrawal of capital appreciation at periodic intervals

- From daily to annual withdrawals, several period withdrawal options are available to investors

- Systematic Investment Plan (SIP) investing allows investors to invest pre-determined sums of money regularly and at periodic intervals (monthly or weekly) in the fund

- Potential to give investors benefit of compounding over the long term. Furthermore, through rupee cost averaging helps better manage market volatility

- SIP facility is augmented by several add ons such as Step-up SIPs, Pause SIP, Multi Scheme SIPs, Century SIP etc.

Tax Applicability

On Redemption
On IDCW

Investment held for less than 36 months

Short Term Capital Gain Tax would be applicable. Any gains/profits would be added to income of the investor taxed at applicable slab rates (plus applicable surcharge and cess).