This Regular Savings Fund Has Delivered 19.61% SIP Returns In 5 Years, Good For SIP

It is important to save money. It gives you financial stability and flexibility, as well as protection in the event of a financial emergency. You may prevent debt by saving money, which decreases stress. Despite this, we frequently lose sight of the significance of saving and spending more of our money in the present. This fund, mentioned here could be a good regular saving with higher returns could be a good investment destination for you as an investor. Check out the fund's details including return and portfolio.

Navi Regular Savings Fund - Direct Plan-Growth

It is an open-ended Conservative Hybrid mutual fund scheme launched by the Navi Mutual Fund. Its assets under management as of 28 February 2022 are worth Rs 30.1 Crore. The Recent declared NAV of this scheme dated 30th March 2022 is Rs 25.5242. The fund's expense ratio is below its category average and what other funds charge in the category. 

This fund scheme is a small fund of its category. From an investment point of view, it is a moderately high risky fund. The minimum investment amount for lump sum payment is Rs 1000 and for SIP it is Rs 500. This fund has no lock-in period. Currently, the fund is managed by Surbhi Sharma and Aditya Mulki. 

This plan intends to provide consistent income by investing primarily in high-quality fixed-income securities with a small amount of exposure to equities and equity-related instruments. 

Absolute And Annualised Returns

Lump-Sum Investment Returns

Investment Period	Absolute Returns	Annualised Returns
1 Year	6.21%	6.22%
2 Year	23.86%	11.29%
3 Year	22.32%	6.93%
5 Year	39.44%	6.87%
Since Inception	113.58%	8.56%

SIP Returns

SIP Returns	Absolute Returns	Annualised Returns
1 Year	2.69%	5.04%
2 Year	8.21%	7.80%
3 Year	11.76%	7.36%
5 Year	19.61%	7.10%

Portfolio

The fund has a 20.39 percent investment in Indian stocks, with 13.91 percent in large caps, 3.62 percent in mid-caps, and 1.08 percent in small caps. The fund has a debt investment of 62.09 percent, with 26.23 percent in government securities and 35.86 percent in funds with extremely low-risk securities.

The debt element of the fund has moderate credit quality suggesting the quality of borrowers it has lent money is excellent. The financial, energy, capital goods, communication, and technology sectors make up the majority of the fund's stock holdings.

In comparison to other funds in the category, it has less exposure to the Financial and Energy sectors. Reserve Bank of India, Housing Development Finance Corporation Ltd., Ujjivan Small Finance Bank Ltd., Muthoot Finance Ltd., and ICICI Bank Ltd. are among the fund's top holdings.

Disclaimer

Mutual fund investments are subject to market risk. Read all scheme-related documents, and Terms and Conditions carefully before investing. The above-mentioned information is purely informational and doesn't guarantee any return. The Greynium Information Technologies and the Author are not liable for any losses caused as a result of a decision based on the article.