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UTI Regular Savings Fund

Hybrid - Conservative Hybrid Fund

About

UTI Regular Savings Fund is a conservative hybrid fund which was launched in December 2003

As of April 30, 2022, the fund has Assets Under Management (AUM) of Rs. 1,601 crores with an expense ratio of 1.82% for Regular Plans and 1.27% for Direct Plans.

This hybrid fund has an exit load of 1% if the investments are redeemed before 12 months. However, 10% of the units can be redeemed without exit load.

The UTI Regular Savings Fund takes exposure in a blend of debt and equity securities. It invests predominantly in high-quality and well researched debt securities to generate regular income while investing partially in equities to create long-term capital appreciation.

The fund manages debt duration dynamically by investing across varying maturities, focusing on high-quality corporate debt to mitigate investment risk. The fund focuses on quality companies represented by High & Sustainable returns with bottom-up stock picking for the equity portion.

UTI Regular Savings Fund - Features and Benefits

  • The fund diversifies across different asset classes by investing across debt and equity. It aims to invest 75%-90% in debt and 10%-25% in equities.
  • One can conveniently invest in UTI Regular Savings Fund through the UTI Mutual Fund website and mobile app.
  • Investment can be made in a lump sum or through Systematic Investment Plans (SIPs).

UTI Regular Savings Fund carries a tax rate of 20% with indexation benefit for Long-Term Capital Gains (LTCG) on units held for 36 months and more. Accordingly, only the actual returns (i.e., returns adjusted for inflation) from investments in UTI Regular Savings Fund held for 36 months, or more are taxed. For the units held for less than 36 months Short Term Capital Gains (STCG) at the regular tax rate as per income tax rules.

Investors are advised to consult their investment or tax advisor before making an investment.

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Snapshot

Fund Type
Inception
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Returns
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3 Year
5 Year
NAV
as of -

Fund Facts

Month End AuM
Monthly Avg. AuM
No. of Folio Accounts
Minimum Investment Amount
Total Expense Ratio
Benchmark Index
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Exit Load

Fund Performance

Period Fund Performance Vs Benchmark (CAGR) Growth for Rs 10,000 /-
NAV (%) NAV (Rs)

"Different plans have a different expense structure. The performance details provided herein are of Regular plan." * CAGR - Compounded annualized Growth Rate

"Different plans have a different expense structure. The performance details provided herein are of Regular plan." * CAGR - Compounded annualized Growth Rate

Portfolio

Fund Benchmark Net
Current Asset Allocation
Top 10 Holdings
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Fund Managers

Frequently asked questions

    What is a UTI Regular Savings Fund?

    UTI Regular Savings Fund is a hybrid fund that has exposure to both equity and debt instruments. The exposure to the high-quality debt instruments helps with the stable income, while the exposure to equity instruments generates capital appreciation.

    Who should Invest in UTI Regular Savings Fund

    - Investors looking for regular stream of income in the form of dividend or through Systematic Withdrawal Plan (SWP)
    - Investors seeking moderate participation in equity with relatively lower overall portfolio risk
    - Investors having an investment horizon of 3 years & above

    How to Invest in UTI Regular Savings Fund?

    Investors can invest online at UTI Mutual Fund website or download the mobile app and start investing subject to KYC compliance. Investors may also approach nearest UTI Financial Centres (UFCs). Alternatively, you may also approach your mutual fund distributor, financial advisor or various online platform for investments.

    How are UTI Regular Savings Fund taxed?

    On redemption of investments of UTI Regular Savings Fund, capital gains are taxed as below: The Fund will attract capital gains tax if the redemption value is more than the purchase price. The gains can either be short term or long term in nature. If the units are held for 3 years or less, the gains made are subject to Short-Term Capital Gains Tax (STCG) and are taxed as per the income slab. If the units are held for more than 3 years, the gains are subject to Long-Term Capital Gains Tax (LTCG) which is taxed at 20% with the benefit of indexation (available to debt-oriented funds). Indexation accounts for the effect of inflation in the acquisition purchase cost i.e., the purchase price is increased to adjust for inflation (as per the cost inflation index (CII) notified by the Central Board of Direct Taxes (CBDT)) before calculating the capital gain. Thus, it reduces the overall tax liability for the investor.

    Why Invest in UTI Regular Savings Fund?

    UTI Regular Savings Plan is a tax efficient investment option, investing in quality portfolio mix of debt and equity instruments. Investors looking for regular stream of income through opting for systematic withdrawal plan (SWP) or income distribution cum capital withdrawal plan (IDCW)