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A debt-oriented conservative hybrid scheme aiming to reap benefits of regular income and capital appreciation
- The Fund takes exposure in a blend of debt and equity instruments. - The Fund seeks to generate accrual income by investing around 75% of the portfolio in debt instuments with tactical allocation to corporate debt, G-Sec and SDLs based on overall fixed income strategy of fund house. - The Equity portion follows multicap positioning with blend of top-down and bottom-up approach of stock selection.
For subscriptions received w.e.f. May 17th, 2018, applicable Exit load: Redemption/Switch out within 1 year from the date of allotment : (i) Upto 10% of the allotted Units - NIL (ii) Beyond 10% of the allotted Units- 1%.
SWP/Redeem/SIP/STRIP/Switch
Not Applicable
Debt and Money Market instruments (including securitized debt)*: 75-90% (Low to Medium) Equity & equity related instruments: 10-25% (Medium to High) Units issued by REITs & InvITs: 0-10% (Medium to High) # The fund may invest upto 50% of its debt portfolio in securitised debt
The primary objective of the scheme is to invest predominantly in debt and money market instruments and part of the portfolio into equity/equity related securities with a view to generating income and aim for capital appreciation. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved.
Conservative Hybrid
An open ended hybrid scheme investing predominantly in debt instruments
- Around 75% of the portfolio invested in debt securities with tactical allocation to Corporate Debt, G sec and SDLs based on overall fixed income strategy of fund house - Manages duration dynamically with investment across various maturities - Focus on high quality corporate debt securities so as to minimize risk - Follow accrual strategy in corporate bond investments to generate steady returns with lower volatility - Flexibility to position across the market cap spectrum, based on valuations - Blend of top down (sector concentration) & bottom up (for stock selection) - Reasonable share of high RoIC companies and strong preference of consistent cash flow generating companies
This product is suitable for investors who are seeking*: Long-term capital appreciation and regular income over medium-term. Investment in equity instruments (maximum 25%) and fixed income securities (debt and money market securities). Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
- Investors looking for overall portfolio diversification - Investors who want growth with limited downside risk to their portfolio - Investors looking for tax efficient returns - Retirees looking for moderate and stable returns with low volatility - First time mutual fund investors
A conservative hybrid scheme which aims to which aims to generate income/capital appreciation by investing primarily in debt securities while having a moderate exposure to equities
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.
- 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
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.
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.
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)