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UTI Regular Savings Fund Direct Growth
HybridConservative AllocationModerately High risk
Direct
NAV (23-Dec-24)
₹71.760.16%1D
Returns (Since Inception)
9.92%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹1,649 Cr
Expense Ratio
1.18%
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, 11 months and 23 days, having been launched on 01-Jan-13.
As of 23-Dec-24, it has a Net Asset Value (NAV) of ₹71.76, Assets Under Management (AUM) of 1649.42 Crores, and an expense ratio of 1.18%.
As of 23-Dec-24, it has a Net Asset Value (NAV) of ₹71.76, Assets Under Management (AUM) of 1649.42 Crores, and an expense ratio of 1.18%.
- UTI Regular Savings Fund Direct Growth has given a CAGR return of 9.92% since inception.
- The fund's asset allocation comprises around 23.46% in equities, 73.57% in debts, and 2.71% 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
+12.94%
+10.71% (Cat Avg.)
3 Years
+9.51%
+8.96% (Cat Avg.)
5 Years
+10.56%
+9.04% (Cat Avg.)
10 Years
+9.12%
+7.15% (Cat Avg.)
Since Inception
+9.92%
— (Cat Avg.)
Portfolio Summaryas of 30th November 2024
| Equity | ₹387.03 Cr | 23.46% |
| Debt | ₹1,213.53 Cr | 73.57% |
| Others | ₹48.86 Cr | 2.96% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.18% Govt Stock 2037 | Bond - Gov't/Treasury | ₹230.75 Cr | 13.99% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹204.7 Cr | 12.41% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹153.26 Cr | 9.29% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹76.75 Cr | 4.65% |
| Power Finance Corporation Ltd. | Bond - Corporate Bond | ₹76.51 Cr | 4.64% |
| 7.34% Govt Stock 2064 | Bond - Gov't/Treasury | ₹72.82 Cr | 4.42% |
| 7.23% Govt Stock 2039 | Bond - Gov't/Treasury | ₹51.65 Cr | 3.13% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹51.52 Cr | 3.12% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹50.56 Cr | 3.07% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹50.22 Cr | 3.04% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹50.2 Cr | 3.04% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹49.78 Cr | 3.02% |
| Net Current Assets | Cash | ₹40.65 Cr | 2.46% |
| Government Of India 6.92% | Bond - Gov't/Treasury | ₹40.23 Cr | 2.44% |
| HDFC Bank Ltd | Equity | ₹38.62 Cr | 2.34% |
| LIC Housing Finance Ltd. | Bond - Corporate Bond | ₹25.42 Cr | 1.54% |
| Tata Projects Limited | Bond - Corporate Bond | ₹25.06 Cr | 1.52% |
| ICICI Bank Ltd | Equity | ₹22.75 Cr | 1.38% |
| Infosys Ltd | Equity | ₹20.99 Cr | 1.27% |
| Bharti Airtel Ltd | Equity | ₹14.64 Cr | 0.89% |
| Axis Bank Ltd | Equity | ₹12.5 Cr | 0.76% |
| State Bank of India | Equity | ₹12.1 Cr | 0.73% |
| Tech Mahindra Ltd | Equity | ₹11.99 Cr | 0.73% |
| Kotak Mahindra Bank Ltd | Equity | ₹11.65 Cr | 0.71% |
| Reliance Industries Ltd | Equity | ₹10.98 Cr | 0.67% |
| Mahindra & Mahindra Ltd | Equity | ₹9.27 Cr | 0.56% |
| Cipla Ltd | Equity | ₹7.67 Cr | 0.46% |
| Hindalco Industries Ltd | Equity | ₹7.55 Cr | 0.46% |
| Mphasis Ltd | Equity | ₹6.69 Cr | 0.41% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹6.35 Cr | 0.39% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹6.33 Cr | 0.38% |
| IndusInd Bank Ltd | Equity | ₹6.17 Cr | 0.37% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹6.06 Cr | 0.37% |
| Eicher Motors Ltd | Equity | ₹6.04 Cr | 0.37% |
| HCL Technologies Ltd | Equity | ₹5.91 Cr | 0.36% |
| Coal India Ltd | Equity | ₹5.83 Cr | 0.35% |
| Aditya Birla Sun Life AMC Ltd | Equity | ₹5.82 Cr | 0.35% |
| Phoenix Mills Ltd | Equity | ₹5.69 Cr | 0.35% |
| Mahindra & Mahindra Financial Services Ltd | Equity | ₹5.61 Cr | 0.34% |
| Info Edge (India) Ltd | Equity | ₹5.37 Cr | 0.33% |
| Dalmia Bharat Ltd | Equity | ₹5.28 Cr | 0.32% |
| Shree Cement Ltd | Equity | ₹5.22 Cr | 0.32% |
| Fortis Healthcare Ltd | Equity | ₹5.21 Cr | 0.32% |
| ICICI Prudential Life Insurance Co Ltd | Equity | ₹5.11 Cr | 0.31% |
| Aditya Birla Fashion and Retail Ltd | Equity | ₹5.02 Cr | 0.30% |
| Eris Lifesciences Ltd Registered Shs | Equity | ₹5 Cr | 0.30% |
| Great Eastern Shipping Co Ltd | Equity | ₹4.95 Cr | 0.30% |
| Power Grid Corp Of India Ltd | Equity | ₹4.94 Cr | 0.30% |
| Coromandel International Ltd | Equity | ₹4.92 Cr | 0.30% |
| Samvardhana Motherson International Ltd | Equity | ₹4.71 Cr | 0.29% |
| Tata Steel Ltd | Equity | ₹4.7 Cr | 0.28% |
| PVR INOX Ltd | Equity | ₹4.62 Cr | 0.28% |
| Suven Pharmaceuticals Ltd | Equity | ₹4.44 Cr | 0.27% |
| JSW Steel Ltd | Equity | ₹4.35 Cr | 0.26% |
| Dabur India Ltd | Equity | ₹4.32 Cr | 0.26% |
| Glenmark Pharmaceuticals Ltd | Equity | ₹4.28 Cr | 0.26% |
| CORPORATE DEBT MARKET DEVT FUND - A2 UNITS | Mutual Fund - Open End | ₹4.23 Cr | 0.26% |
| Bharat Electronics Ltd | Equity | ₹4.16 Cr | 0.25% |
| NMDC Ltd | Equity | ₹4.14 Cr | 0.25% |
| ITC Ltd | Equity | ₹4.05 Cr | 0.25% |
| Sapphire Foods India Ltd | Equity | ₹4.04 Cr | 0.24% |
| CESC Ltd | Equity | ₹4.03 Cr | 0.24% |
| Greenpanel Industries Ltd Ordinary Shares | Equity | ₹3.87 Cr | 0.23% |
| Metropolis Healthcare Ltd | Equity | ₹3.85 Cr | 0.23% |
| Emami Ltd | Equity | ₹3.76 Cr | 0.23% |
| Marico Ltd | Equity | ₹3.61 Cr | 0.22% |
| JSW Infrastructure Ltd | Equity | ₹3.58 Cr | 0.22% |
| Mahanagar Gas Ltd | Equity | ₹3.1 Cr | 0.19% |
| AIA Engineering Ltd | Equity | ₹2.83 Cr | 0.17% |
| Bajaj Auto Ltd | Equity | ₹2.71 Cr | 0.16% |
| PNC Infratech Ltd | Equity | ₹2.7 Cr | 0.16% |
| Raymond Lifestyle Ltd | Equity | ₹2.66 Cr | 0.16% |
| 364 Days T - Bill- 06/02/2025 | Bond - Gov't/Treasury | ₹2.52 Cr | 0.15% |
| Whirlpool of India Ltd | Equity | ₹2.51 Cr | 0.15% |
| UTI Nifty 10 yr Benchmark G-Sec ETF | Mutual Fund - ETF | ₹1.81 Cr | 0.11% |
| UTI Nifty 5 Yr Benchmark G-Sec ETF | Mutual Fund - ETF | ₹1.76 Cr | 0.11% |
| Symphony Ltd | Equity | ₹1.61 Cr | 0.10% |
| Stock Holding Corpn Of India Ltd Std - Margin | Cash | ₹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 | ₹0.16 Cr | 0.01% |
Allocation By Market Cap (Equity)
Large Cap Stocks
15.15%
Mid Cap Stocks
4.16%
Small Cap Stocks
3.98%
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹126.66 Cr | 7.68% |
| Technology | ₹45.75 Cr | 2.77% |
| Consumer Cyclical | ₹44.93 Cr | 2.72% |
| Basic Materials | ₹40.01 Cr | 2.43% |
| Healthcare | ₹36.51 Cr | 2.21% |
| Communication Services | ₹24.63 Cr | 1.49% |
| Industrials | ₹18.22 Cr | 1.10% |
| Energy | ₹16.81 Cr | 1.02% |
| Consumer Defensive | ₹15.75 Cr | 0.95% |
| Utilities | ₹12.06 Cr | 0.73% |
| Real Estate | ₹5.69 Cr | 0.35% |
Risk & Performance Ratios
Standard Deviation
This fund
4.03%
Cat. avg.
4.21%
Lower the better
Sharpe Ratio
This fund
0.81
Cat. avg.
0.63
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.25
Higher the better
Fund Managers
Amit Premchandani
Since January 2022
Jaydeep Bhowal
Since April 2023
Additional Scheme Detailsas of 30th November 2024
ISIN INF789F01UJ7 | Expense Ratio 1.18% | Exit Load 1.00% | Fund Size ₹1,649 Cr | Age 11 years 11 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% | ₹119.20 Cr | 8.2% |
| Sundaram Debt Oriented Hybrid Fund Regular Growth Moderate Risk | 2.1% | 0.0% | ₹27.65 Cr | 8.4% |
| Parag Parikh Conservative Hybrid Fund Direct Growth Moderately High risk | 0.3% | 1.0% | ₹2344.23 Cr | 13.2% |
| Parag Parikh Conservative Hybrid Fund Regular Growth Moderately High risk | 0.6% | 1.0% | ₹2344.23 Cr | 12.8% |
| UTI Regular Savings Fund Regular Growth Moderately High risk | 1.8% | 1.0% | ₹1649.42 Cr | 12.2% |
| ICICI Prudential Regular Savings Fund Regular Growth High Risk | 1.7% | 1.0% | ₹3187.68 Cr | 11.8% |
| Nippon India Hybrid Bond Fund Regular Growth High Risk | 1.9% | 1.0% | ₹831.48 Cr | 8.1% |
| SBI Conservative Hybrid Fund Regular Growth High Risk | 1.1% | 1.0% | ₹10063.50 Cr | 11.6% |
| Canara Robeco Conservative Hybrid Fund Regular Growth Moderately High risk | 1.9% | 1.0% | ₹964.47 Cr | 10.8% |
| DSP Regular Saving Fund Regular Growth Moderately High risk | 1.1% | 0.0% | ₹180.75 Cr | 11.4% |
About the AMC
UTI Mutual Fund
Total AUM
₹3,24,111 Cr
Address
UTI Towers, Gn Block, Mumbai, 400 051
Other Funds by UTI Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
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We're here to help.
What is the current NAV of UTI Regular Savings Fund Direct Growth?
The NAV of UTI Regular Savings Fund Direct Growth, as of 23-Dec-2024, is ₹71.76.
What are the returns of UTI Regular Savings Fund Direct Growth?
The fund has generated 12.94% over the last 1 year and 9.51% 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 23.46% in equities, 73.57% in bonds, and 2.71% 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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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.