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Previously called: IDFC Monthly Income Plan Direct Plan-G

NAV as of ( Sep 09, 2022 )

28.48 0.15 % 1-D Change

8.48% p.a.

You get upto 0.94% extra returns

ET Money's Fund Report Card - IDFC Regular Savings Fund

ET Money Rank


Out of 28

Performance Quality info

Poor drop-arrow

Generated returns consistently


Increased returns for each unit of additional risk info


Downside Protection info

Good drop-arrow

Controlled losses during market corrections


Delivered returns without frequent ups and downs


Minimum SIP amount is ₹
Minimum Lumpsum amount is ₹

By continuing, I agree to the Declaration and T&Cs.

none buyable frame

Fresh Investments closed in this fund!

This fund is no longer available to invest

This fund vs
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Scheme Details

ET Money Rank 18 Out of 28
VRO Rating 2
Expense ratio 1.18%  As on Jul 31, 2022
Exit Load 1.0% info
AUM (Fund Size) 172 Crs
Lock-in No Lockin
Age 9 yrs 8 m Since Jan 01, 2013
Benchmark CRISIL Hybrid 85+15 Conservative
Min. Investment

SIP 100  &

Lumpsum 5000

About IDFC Regular Savings Fund

IDFC Regular Savings Fund Direct Plan-Growth is a Conservative Hybrid mutual fund scheme from Idfc Mutual Fund . This fund has been in existence for 9 yrs 8 m, having been launched on 01/01/2013. IDFC Regular Savings Fund Direct Plan-Growth has ₹172 Crores worth of assets under management (AUM) as on 30/06/2022 and is medium-sized fund of its category. The fund has an expense ratio of 1.18%, which is higher than what most other Conservative Hybrid funds charge. Currently, the fund has a 23.69% allocation to equity and 48.85% to Debt.
  • IDFC Regular Savings Fund Direct Plan-Growth returns of last 1-year are 1.48%. Since launch, it has delivered 8.49% average annual returns. The fund has doubled the money invested in it every 9 yrs.
  • IDFC Regular Savings Fund Direct Plan-Growth scheme's ability to deliver returns consistently is lower than most funds of its category. Its ability to control losses in a falling market is below average.
  • The fund's equity portion is primarily invested in Financial, Technology, Automobile, Energy, Healthcare sectors. It has taken less exposure in Financial, Technology sectors compared to other funds in the category.
  • The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
  • The fund's top 5 holdings are in GOI, IDFC Nifty 50 ETF-Growth, Gujarat State, Power Finance Corpn. Ltd., National Bank For Agriculture & Rural Development.
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Investment Returns Calculator

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Total value Profit
This fund
Category Average
Bank FD

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Latest Asset & Portfolio Allocation

as on Aug 31, 2022
Allocation by Market Cap

Large Cap 22.67%

Mid Cap 1.02%

Small Cap 0%

Other Cap 0%

Allocation by Sector

Financial 5.99%

Technology 2.46%

Automobile 2.28%

Energy 1.39%

Top Debt Holdings

GOI 30.15%

Gujarat State 5.97%

Power Finance Corpn. Ltd. 3.02%

National Bank For Agriculture & Rural Development 2.93%

Allocation by Credit Quality

SOV 42.72%

Cash & Call Money 27.44%

AAA 6.13%

Others 0%

Allocation by Instruments

GOI Securities 30.15%

Repo 26.4%

Mutual Fund 7.68%

Central Government Loan 6.6%

Other Holdings

IDFC Nifty 50 ETF-Growth 7.68%

Others 1.04%

Comparison with conservative hybrid Funds

as on Sep 12, 2022
0.34 % p.a
This fund


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Trailing Returns and Ranks

as on Sep 12, 2022
Period Trailing returns Category average Rank within category
1 month 0.34% 1.23% 32 / 32
3 months 4.81% 6.05% 26 / 32
6 months 1.98% 3.74% 29 / 32
1 year 1.49% 4.75% 32 / 32
3 years 7.13% 9.46% 25 / 28
5 years 6.13% 7.36% 23 / 26


Level of Risk in the Scheme


Investors understand that their principal will be at Moderate risk

IDFC Regular Savings Fund


The Scheme seeks to generate regular returns through investment predominantly in debt instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme's total assets in equity

  • Std. Dev : 5.57
  • Alpha : -0.65
  • Beta : 0.73
  • Sharpe : 0.63
  • Sortino : 0.66
  • Profile

    Sumit Agrawal

    Mr.Agrawal is a B.Com, ACS, CFA (USA)and PGDM (Finance).

    Prior to joining IDFC AMC he was associated with Mirae Asset Mutual Fund (Nov 2010-Sep 2016) as Fund Manager-Equities, Axis Capital (erstwhile ENAM Securities) (Feb 2008-Nov 2010) as VP-Research Analyst and JP Morgan India Services Pvt. Ltd. (Jun 2006-Feb 2008) as TL-Investment Banking.

  • Profile

    Harshal Joshi

    Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai

    Prior to joining IDFC Mutual fund in 2008 he has worked with ICAP India Pvt. Ltd.

IDFC Mutual Fund

IDFC Mutual Fund



See all schemes


₹1,17,110 Crs

As on Jun 30, 2022

  • Address: No. 27, Ground Floor
    Khetan Bhavan,198, Jamshedji Tata Road,
    Mumbai, 400020

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Frequently asked questions

How are the returns of IDFC Regular Savings Fund ?

The IDFC Regular Savings Fund is a 9 yrs 8 m old fund and has delivered average annual returns of 8.48% since inception.

IDFC Regular Savings Fund Returns

1-Year 3-Year 5-Year Since Inception
1.49% 7.13% 6.13% 8.48%

NAV or Net Asset Value is the per-unit price of the Mutual Fund. The NAV of a Mutual Fund changes every day. It is calculated by taking the current value of the holdings of the fund at end of the day, subtracting the expenses, and dividing the value by the number of units issued to date.

The NAV of IDFC Regular Savings Fund for Sep 09, 2022 is 28.48 .

IDFC Regular Savings Fund has an ET Money Rank of # 18 of 28 and a consistency rating of 1 .

This indicates the fund has not generated great returns and even those are not very consistent. You might want to look at other funds in its category.

On ET Money, Investing in IDFC Regular Savings Fund is fast, easy, and 100% paperless. And it takes only minutes. Here is what you need to do -

  1. Click on the Invest Now Button present on the top right-hand side.
  2. Enter your email id, select whether you want to do a one-time investment or start a SIP and add the amount
  3. Provide few more details needed including the bank account from which you will be making the payment and confirm.
  4. That's it. Your SIP or one-time investment in IDFC Regular Savings Fund is done.

The Expense Ratio of a Mutual Fund is the annual charges you pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio is a percentage of Assets Under Management (AUM) and is taken from the returns generated by the fund. For this reason, a fund with a lower expense ratio is always better because a smaller part of the returns will be taken and that means more returns for you.

The Expense Ratio of the direct plan of IDFC Regular Savings Fund is 1.18%.  .

Redeeming your investments in IDFC Regular Savings Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in IDFC Regular Savings Fund from anywhere else, you can go to the fund house website and put a request through it.

AUM or Asset Under Management is the total value of the assets held by a Mutual Fund scheme. For instance, for an equity Mutual Fund, the AUM will be the total value of its portfolio's equity shares (plus any other asset it might have invested in). The AUM of the fund changes every day because the price of the underlying asset fluctuates daily. However, the Mutual Fund company doesn't update it every day. It is updated only at the end of the month and released within few days of the next month.

The AUM of the fund is a good indicator of its popularity. A fund with a high AUM means a lot of money has been invested in it, and investors like it. However, the AUM should never be the primary criteria while selecting a fund. There are funds with huge AUMs that continue to perform well despite their size.

The AUM of IDFC Regular Savings Fund is ₹172 Crs.

The IDFC Regular Savings Fund's equity portion has been invested in the stocks of the following companies

Company Percentage of Portfolio
ICICI Bank Ltd. 1.63%
Bajaj Finance Ltd. 1.53%
State Bank of India 1.49%
Tata Consultancy Services Ltd. 1.44%
Reliance Industries Ltd. 1.39%
HDFC Bank Ltd. 1.34%
Maruti Suzuki India Ltd. 1.26%
Divi's Laboratories Ltd. 1.1%
Larsen & Toubro Ltd. 1.06%
Infosys Ltd. 1.02%

The IDFC Regular Savings Fund's equity portion is primarily invested in the following sectors -

Sector Percentage of Portfolio
Financial 5.99%
Technology 2.46%
Automobile 2.28%
Energy 1.39%
Healthcare 1.1%
Construction 1.06%
Materials 0.89%
Consumer Staples 0.86%

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The IDFC Regular Savings Fund's debt portion's allocation by credit quality is given below
Credit Quality Percentage of Portfolio
SOV 42.72%
Cash & Call Money 27.44%
AAA 6.13%

The top 3 debt holdings of IDFC Regular Savings Fund are as follows

Holding Name Percentage of Portfolio
GOI 30.15%
Gujarat State 5.97%
Power Finance Corpn. Ltd. 3.02%
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