UTI Regular Savings Fund Direct Growth

Fund Overview

Fund Size

₹1,645 Cr

Expense Ratio

1.17%

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, 10 months and 21 days, having been launched on 01-Jan-13.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹71.11, Assets Under Management (AUM) of 1645.46 Crores, and an expense ratio of 1.17%.

UTI Regular Savings Fund Direct Growth has given a CAGR return of 9.91% since inception.
The fund's asset allocation comprises around 23.38% in equities, 74.19% in debts, and 2.17% 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

+14.58%

+12.21% (Cat Avg.)

3 Years

+8.74%

+8.27% (Cat Avg.)

5 Years

+10.53%

+8.97% (Cat Avg.)

10 Years

+9.06%

+7.13% (Cat Avg.)

Since Inception

+9.91%

— (Cat Avg.)

Portfolio Summaryas of 31st October 2024

Equity	₹384.72 Cr	23.38%
Debt	₹1,220.82 Cr	74.19%
Others	₹39.92 Cr	2.43%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
7.18% Govt Stock 2037	Bond - Gov't/Treasury	₹271.54 Cr	16.50%
7.18% Govt Stock 2033	Bond - Gov't/Treasury	₹214.4 Cr	13.03%
7.1% Govt Stock 2034	Bond - Gov't/Treasury	₹101.78 Cr	6.19%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹76.96 Cr	4.68%
Power Finance Corporation Ltd.	Bond - Corporate Bond	₹76.48 Cr	4.65%
7.34% Govt Stock 2064	Bond - Gov't/Treasury	₹57.45 Cr	3.49%
7.23% Govt Stock 2039	Bond - Gov't/Treasury	₹51.62 Cr	3.14%
HDFC Bank Limited	Bond - Corporate Bond	₹51.49 Cr	3.13%
HDFC Bank Limited	Bond - Corporate Bond	₹51 Cr	3.10%
LIC Housing Finance Limited	Bond - Corporate Bond	₹50.46 Cr	3.07%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹50.34 Cr	3.06%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹50.2 Cr	3.05%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹49.87 Cr	3.03%
HDFC Bank Ltd	Equity	₹37.32 Cr	2.27%
Net Current Assets	Cash	₹34.19 Cr	2.08%
LIC Housing Finance Ltd.	Bond - Corporate Bond	₹25.3 Cr	1.54%
Tata Projects Limited	Bond - Corporate Bond	₹25.07 Cr	1.52%
ICICI Bank Ltd	Equity	₹22.61 Cr	1.37%
Infosys Ltd	Equity	₹19.86 Cr	1.21%
Bharti Airtel Ltd	Equity	₹14.51 Cr	0.88%
Axis Bank Ltd	Equity	₹12.29 Cr	0.75%
State Bank of India	Equity	₹11.48 Cr	0.70%
Kotak Mahindra Bank Ltd	Equity	₹11.43 Cr	0.69%
Tech Mahindra Ltd	Equity	₹11.26 Cr	0.68%
Reliance Industries Ltd	Equity	₹10.39 Cr	0.63%
7.25% Govt Stock 2063	Bond - Gov't/Treasury	₹10.33 Cr	0.63%
Mahindra & Mahindra Ltd	Equity	₹8.53 Cr	0.52%
Hindalco Industries Ltd	Equity	₹8.23 Cr	0.50%
Sun Pharmaceuticals Industries Ltd	Equity	₹7.4 Cr	0.45%
Cipla Ltd	Equity	₹7.29 Cr	0.44%
IndusInd Bank Ltd	Equity	₹6.54 Cr	0.40%
Mphasis Ltd	Equity	₹6.48 Cr	0.39%
Great Eastern Shipping Co Ltd	Equity	₹6.12 Cr	0.37%
Eicher Motors Ltd	Equity	₹6.12 Cr	0.37%
Coal India Ltd	Equity	₹6.1 Cr	0.37%
ICICI Lombard General Insurance Co Ltd	Equity	₹6.04 Cr	0.37%
Crompton Greaves Consumer Electricals Ltd	Equity	₹5.87 Cr	0.36%
HCL Technologies Ltd	Equity	₹5.65 Cr	0.34%
Aditya Birla Sun Life AMC Ltd	Equity	₹5.56 Cr	0.34%
Mahindra & Mahindra Financial Services Ltd	Equity	₹5.55 Cr	0.34%
ICICI Prudential Life Insurance Co Ltd	Equity	₹5.41 Cr	0.33%
Dalmia Bharat Ltd	Equity	₹5.32 Cr	0.32%
Phoenix Mills Ltd	Equity	₹5.23 Cr	0.32%
Samvardhana Motherson International Ltd	Equity	₹5.07 Cr	0.31%
Eris Lifesciences Ltd Registered Shs	Equity	₹5.03 Cr	0.31%
Shree Cement Ltd	Equity	₹5.01 Cr	0.30%
Fortis Healthcare Ltd	Equity	₹4.94 Cr	0.30%
Suven Pharmaceuticals Ltd	Equity	₹4.86 Cr	0.30%
Info Edge (India) Ltd	Equity	₹4.84 Cr	0.29%
Tata Steel Ltd	Equity	₹4.83 Cr	0.29%
Power Grid Corp Of India Ltd	Equity	₹4.81 Cr	0.29%
PVR INOX Ltd	Equity	₹4.71 Cr	0.29%
Glenmark Pharmaceuticals Ltd	Equity	₹4.66 Cr	0.28%
Coromandel International Ltd	Equity	₹4.59 Cr	0.28%
Aditya Birla Fashion and Retail Ltd	Equity	₹4.46 Cr	0.27%
CESC Ltd	Equity	₹4.38 Cr	0.27%
JSW Steel Ltd	Equity	₹4.34 Cr	0.26%
Greenpanel Industries Ltd Ordinary Shares	Equity	₹4.33 Cr	0.26%
Dabur India Ltd	Equity	₹4.32 Cr	0.26%
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS	Mutual Fund - Open End	₹4.21 Cr	0.26%
NMDC Ltd	Equity	₹3.99 Cr	0.24%
Bharat Electronics Ltd	Equity	₹3.99 Cr	0.24%
ITC Ltd	Equity	₹3.91 Cr	0.24%
Metropolis Healthcare Ltd	Equity	₹3.86 Cr	0.23%
JSW Infrastructure Ltd	Equity	₹3.62 Cr	0.22%
Emami Ltd	Equity	₹3.59 Cr	0.22%
Marico Ltd	Equity	₹3.52 Cr	0.21%
Bajaj Auto Ltd	Equity	₹3.44 Cr	0.21%
Mahanagar Gas Ltd	Equity	₹3.22 Cr	0.20%
AIA Engineering Ltd	Equity	₹3.07 Cr	0.19%
PNC Infratech Ltd	Equity	₹2.9 Cr	0.18%
Raymond Lifestyle Ltd	Equity	₹2.83 Cr	0.17%
Whirlpool of India Ltd	Equity	₹2.71 Cr	0.16%
Sapphire Foods India Ltd	Equity	₹2.7 Cr	0.16%
364 Days T - Bill- 06/02/2025	Bond - Gov't/Treasury	₹2.51 Cr	0.15%
Symphony Ltd	Equity	₹2.03 Cr	0.12%
UTI Nifty 10 yr Benchmark G-Sec ETF	Mutual Fund - ETF	₹1.82 Cr	0.11%
UTI Nifty 5 Yr Benchmark G-Sec ETF	Mutual Fund - ETF	₹1.75 Cr	0.11%
Premier Energies Ltd	Equity	₹1.28 Cr	0.08%
Stock Holding Corpn Of India Ltd Std - Margin	Cash - Collateral	₹1 Cr	0.06%
7.38% PN Sgs Mat - 03/07/2034	Bond - Gov't/Treasury	₹0.6 Cr	0.04%
Clearing Corporation Of India Ltd. Std - Margin	Cash - Repurchase Agreement	₹0.39 Cr	0.02%
Waaree Energies Ltd	Equity	₹0.29 Cr	0.02%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹124.24 Cr	7.55%
Technology	₹44.82 Cr	2.72%
Consumer Cyclical	₹43.74 Cr	2.66%
Basic Materials	₹40.64 Cr	2.47%
Healthcare	₹38.03 Cr	2.31%
Communication Services	₹24.06 Cr	1.46%
Industrials	₹19.7 Cr	1.20%
Energy	₹16.49 Cr	1.00%
Consumer Defensive	₹15.34 Cr	0.93%
Utilities	₹12.41 Cr	0.75%
Real Estate	₹5.23 Cr	0.32%

Risk & Performance Ratios

Fund Managers

Amit Premchandani

Since January 2022

Jaydeep Bhowal

Since April 2023

Additional Scheme Detailsas of 31st October 2024

ISIN

INF789F01UJ7

Expense Ratio

1.17%

Exit Load

1.00%

Fund Size

₹1,645 Cr

Age

11 years 10 months

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:

Dividend Taxation:

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%	₹119.55 Cr	10.2%
Sundaram Debt Oriented Hybrid Fund Regular Growth Moderate Risk	2.2%	0.0%	₹27.57 Cr	10.1%
Parag Parikh Conservative Hybrid Fund Direct Growth Moderately High risk	0.3%	1.0%	₹2296.30 Cr	14.9%
Parag Parikh Conservative Hybrid Fund Regular Growth Moderately High risk	0.6%	1.0%	₹2296.30 Cr	14.6%
UTI Regular Savings Fund Regular Growth Moderately High risk	1.8%	1.0%	₹1645.46 Cr	13.9%
ICICI Prudential Regular Savings Fund Regular Growth High Risk	1.7%	1.0%	₹3220.38 Cr	12.8%
Nippon India Hybrid Bond Fund Regular Growth High Risk	1.9%	1.0%	₹829.03 Cr	8.9%
SBI Conservative Hybrid Fund Regular Growth High Risk	1.1%	1.0%	₹9999.24 Cr	12.7%
Canara Robeco Conservative Hybrid Fund Regular Growth Moderately High risk	1.8%	1.0%	₹951.77 Cr	11.9%
DSP Regular Saving Fund Regular Growth Moderately High risk	1.1%	0.0%	₹184.82 Cr	13.1%

About the AMC

UTI Mutual Fund

+91-22-6678 6666

https://www.utimf.com/

Total AUM

₹3,26,312 Cr

Address

UTI Towers, Gn Block, Mumbai, 400 051

Other Funds by UTI Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
UTI Innovation Fund Direct Growth Very High Risk	0.8%	1.0%	₹809.61 Cr	12.3%
UTI Fixed Income Interval Fund Annual Plan I Direct Growth Low Risk	-	0.0%	₹20.40 Cr	7.0%
UTI Fixed Term Income Fund - Series XXXV-I (1260 Days) Direct Growth Low to Moderate Risk	-	0.0%	-	8.2%
UTI Fixed Term Income Fund - Series XXXV-III (1176 Days) Direct Growth Low to Moderate Risk	-	0.0%	-	8.1%
UTI FIIF Ser 2 Qt Interval V Direct Growth Low Risk	-	1.0%	₹4.80 Cr	6.7%
UTI Fixed Income Interval Fund Quarterly I Direct Growth Low Risk	-	0.0%	₹10.46 Cr	7.0%
UTI Fixed Inc Intvl Series2 Qt Intvl VI Direct Growth Moderate Risk	-	1.0%	₹11.46 Cr	7.2%
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	-	-	-	8.2%
UTI Fixed Income Interval Fund Annual Plan III Direct Growth Low to Moderate Risk	-	0.0%	₹13.38 Cr	7.0%
UTI Fixed Term Income Fund - Series XXXVI-I (1574 days) Direct Growth Low to Moderate Risk	-	0.0%	-	9.0%
UTI Floater Fund Direct Growth Moderate Risk	0.4%	0.0%	₹1417.84 Cr	7.6%
UTI Nifty 500 Value 50 Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹494.20 Cr	41.7%
UTI Banking & PSU Debt Fund Direct Growth Moderate Risk	0.4%	0.0%	₹820.41 Cr	8.1%
UTI Focused Equity Fund Direct Growth Very High Risk	0.7%	1.0%	₹2686.69 Cr	23.5%
UTI Silver ETF Fund of Fund Direct Growth Very High Risk	0.1%	1.0%	₹38.58 Cr	23.5%
UTI Nifty200 Momentum 30 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹8120.78 Cr	35.1%
UTI Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹5517.22 Cr	6.7%
UTI Corporate Bond Fund Direct Growth Moderate Risk	0.3%	0.0%	₹4668.91 Cr	8.3%
UTI Nifty Midcap 150 Quality 50 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹245.67 Cr	23.7%
UTI Arbitrage Fund Direct Growth Low Risk	0.3%	0.0%	₹6143.71 Cr	8.3%
UTI Small Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹4537.96 Cr	27.9%
UTI Ultra Short Term Fund Direct Growth Moderate Risk	0.3%	0.0%	₹3046.30 Cr	7.8%
UTI Credit Risk Fund Direct Growth Moderately High risk	0.9%	1.0%	₹324.65 Cr	8.8%
UTI Dividend Yield Fund Direct Growth Very High Risk	1.4%	1.0%	₹4198.08 Cr	37.7%
UTI Banking and Financial Services Fund Direct Growth Very High Risk	1.2%	1.0%	₹1159.45 Cr	22.1%
UTI Dynamic Bond Fund Direct Growth Moderate Risk	0.7%	0.0%	₹560.42 Cr	9.8%
UTI Hybrid Equity Fund Direct Growth Very High Risk	1.2%	1.0%	₹6110.59 Cr	26.2%
UTI Long Term Equity Fund Direct Growth Very High Risk	0.9%	0.0%	₹3873.25 Cr	21.9%
UTI Flexi Cap Fund Direct Growth Very High Risk	1.0%	1.0%	₹25923.63 Cr	19.7%
UTI Bond Fund Direct Growth Moderate Risk	1.2%	0.0%	₹313.01 Cr	9.1%
UTI Liquid Fund Cash Plan Direct Growth Moderate Risk	0.1%	0.0%	₹28665.46 Cr	7.5%
UTI Gilt Fund Direct Growth Moderate Risk	0.7%	0.0%	₹663.24 Cr	9.3%
UTI India Consumer Fund Direct Growth Very High Risk	1.6%	1.0%	₹709.16 Cr	25.3%
UTI Infrastructure Fund Direct Growth Very High Risk	1.8%	1.0%	₹2292.94 Cr	29.3%
UTI MNC Fund Direct Growth Very High Risk	1.2%	1.0%	₹3030.90 Cr	21.5%
UTI Master Share Unit Scheme Direct Growth Very High Risk	0.9%	1.0%	₹12841.53 Cr	19.8%
UTI Regular Savings Fund Direct Growth Moderately High risk	1.2%	1.0%	₹1645.46 Cr	14.6%
UTI Money Market Fund Direct Growth Moderate Risk	0.1%	0.0%	₹16113.17 Cr	7.8%
UTI Mid Cap Fund Direct Growth Very High Risk	0.9%	1.0%	₹11894.38 Cr	27.1%
UTI Value Opportunities Fund Direct Growth Very High Risk	1.1%	1.0%	₹10140.68 Cr	34.4%
UTI Healthcare Fund Direct Growth Very High Risk	1.3%	1.0%	₹1187.02 Cr	44.4%
UTI Nifty 50 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹19626.32 Cr	19.1%
UTI Transportation & Logistics Fund Direct Growth Very High Risk	0.9%	1.0%	₹3477.85 Cr	32.0%
UTI Short Term Income Fund Direct Growth Moderate Risk	0.4%	0.0%	₹2675.97 Cr	8.6%
UTI - Treasury Advantage Fund Direct Growth Moderate Risk	0.4%	0.0%	₹3393.73 Cr	7.8%
UTI Multi Asset Fund Direct Growth High Risk	0.7%	1.0%	₹4415.49 Cr	28.8%
UTI Core Equity Fund Direct Growth Very High Risk	1.1%	1.0%	₹3976.41 Cr	35.9%
UTI Medium Term Fund Direct Growth Moderate Risk	0.8%	1.0%	₹40.42 Cr	8.4%

Risk Level

Your principal amount will be at Moderately High risk

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What is the current NAV of UTI Regular Savings Fund Direct Growth?

The NAV of UTI Regular Savings Fund Direct Growth, as of 21-Nov-2024, is ₹71.11.

What are the returns of UTI Regular Savings Fund Direct Growth?

The fund has generated 14.58% over the last 1 year and 8.74% 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 23.38% in equities, 74.19% in bonds, and 2.17% 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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UTI Regular Savings Fund Direct Growth

Fund Overview