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8 Best Hybrid Balanced Mutual Funds 2019
Hybrid Funds are also commonly known as Balanced Fund. Hybrid funds are a type of Mutual Funds that invest in both equity and debt mutual fund. In other words, this fund acts as a combination of both debt and equity, where about 65% of the portfolio is dedicated to equities and the rest to fixed income instruments.
Hybrid funds are a great option for the investors who fear of Investing in Equity Funds. This fund will reduce the risk portion and also help in gaining optimal returns over the time. To earn the best possible profits, investors are advised to invest in best hybrid mutual funds or best balanced funds. Thus, to make the process of investing easy for you, we have shortlisted some of the top performing hybrid funds to invest in 2019 - 2020 in article below.
Why Invest in Hybrid or Balanced Mutual Funds?
Hybrid funds help in balancing the portfolio. As the fund invests in both stocks and Bonds, investors can easily create a balanced portfolio by investing in a balanced mutual fund. This scheme also provides diversification benefits. Diversification helps in generating stable returns; so that if one fund underperforms, others can stabilise the portfolio. This will reduce the overall risk of the portfolio.
Hybrid or balanced funds are also a gateway for those who want to begin their equity investments. This will help in gaining optimal returns within a short to mid tenure. This will also prevent the larger downfall of equity from the ever-changing market conditions. Moreover, hybrid funds carry a moderate level of risk, whereas equity funds have a high level of investment risk.
Ideally, hybrid funds can be a good investment option for investors who want to invest in Mutual Funds. These funds have the best of both worlds: the advantages of equities while gaining the benefits of a fixed income investment. Thus, investors can choose the above listed best hybrid mutual funds and earn good profits by investing in the scheme.
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Top 8 Hybrid Mutual Funds for Investments in FY 19 - 20
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2018 (%) ICICI Prudential MIP 25 Growth ₹41.3218
↓ -0.08 ₹1,584 1.8 1.9 5.7 10.8 11.6 5.1 SBI Debt Hybrid Fund Growth ₹37.9892
↓ -0.12 ₹1,252 1.3 0.2 0.6 6.9 9.1 -0.2 Aditya Birla Sun Life Regular Savings Fund Growth ₹37.5984
↓ -0.09 ₹2,379 -0.1 -3.8 -1.2 9.5 11.1 -2.2 Principal Hybrid Equity Fund Growth ₹72.65
↓ -0.02 ₹1,668 -2.6 -6.4 -2.8 16.8 15 -1.5 Aditya Birla Sun Life Equity Hybrid 95 Fund Growth ₹702.85
↑ 1.00 ₹13,373 -2.8 -9 -5.1 10.7 14.2 -5 HDFC Balanced Advantage Fund Growth ₹193.223
↑ 0.95 ₹37,850 5.4 8 12.3 16.6 18.8 UTI Regular Savings Fund Growth ₹40.2388
↓ -0.11 ₹2,507 1.4 -1.2 3.8 8.7 10.3 3.4 HDFC Hybrid Debt Fund Growth ₹43.7746
↓ -0.08 ₹3,183 0 0.7 0.8 8.9 10 0.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 19
Hybrid / Balanced Mutual Funds Basics
1. Understanding Balanced Funds
In India, Balance funds typically invest 65% of their portfolio in stocks/equity/shares and the remainder of their resources in bonds and other debt instruments like corporate bond/ Government Bonds/ Infrastrcuture Bonds. So balanced funds are usually equity-oriented hybrid funds. They serve as a suitable option for first-time investors who have low-risk appetite. They are for investors who do not want to take on risky options but still want capital appreciation. Also there are Debt oriented hybrid/balanced funds having 65% and 35% Equity.
2. Types of Hybrid Mutual Funds
Based on recent (Mar - Apr 2018) categorization of Mutual funds by SEBI. Types of hybrid fund as follows.
| Type | Details |
|---|---|
| Hybrid Equity | 65% Equity 35% Debt |
| Hybrid Debt | 65% Debt 35% Equity |
| Arbitrage | 100% Equity Arbitrage |
| Dynamic Allocation | Dynamic Allocaiton based on valuations |
| Equity Savings | arbitrage opportunities, investment in equity / equity related instruments and debt / money market instruments |
| Multi Asset | Multiple Asset like floating rate and fixed rate debt instruments, equity, money market instruments and derivatives |
| Balanced Hybrid | 50% Equity 50% Debt |
3. Advantages of Balanced Funds
Balance funds provide a convenience of diversification in form of a single docket of a mutual fund. An investor thus needs to go through the hassle of analyzing and selecting a bouquet of funds. A professionally trained and experienced fund manager does this job for the investor. A calculated combination of debt and equity components makes the funds less vulnerable to market volatility. The equity components of the fund are aimed at generating capital appreciation and their debt components serve as securities to shield the investment from unforeseen market corrections.
4. Disadvantages of Balanced Funds
While it might seem that balanced funds are virtually risk-free, it is not entirely the case. Balanced funds have their own share of risk. While in case of a direct investment across a number of stocks and debt instruments, one can relocate the resources among different funds as diversification for Tax Planning or wealth creation. However, in balance funds, since the decision of resource allocation is with the fund manager, customized diversification is not possible.
5. Better risk-based returns
Balanced funds have given better risk-adjusted returns in the long run compared to equity returns. A comparison is given below is based on certain assumption which might change time to time in future.
| Fund Category | 5-year rolling return | Risk-based Std. deviation |
|---|---|---|
| Balanced Funds | 13.20% | 2.9 |
| Large cap funds | 12.90% | 3.47 |
| mid-cap and Large cap funds | 13.96% | 3.82 |
| Diversified Funds | 14.91% | 3.96 |
The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized. ICICI Prudential MIP 25 is a Hybrid - Hybrid Debt fund was launched on 30 Mar 04. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential MIP 25 Returns up to 1 year are on (Erstwhile SBI Magnum Monthly Income Plan) To provide regular income, liquidity and attractive returns to the investors
through an actively managed portfolio of debt, equity and money market
instruments. Income may be generated through the receipt of coupon payments,
the amortization of the discount on the debt instruments, receipt of dividends or
purchase and sale of securities in the underlying portfolio. SBI Debt Hybrid Fund is a Hybrid - Hybrid Debt fund was launched on 9 Apr 01. It is a fund with Moderate risk and has given a Below is the key information for SBI Debt Hybrid Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life MIP II - Wealth 25 Plan) An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. Aditya Birla Sun Life Regular Savings Fund is a Hybrid - Hybrid Debt fund was launched on 22 May 04. It is a fund with Moderately High risk and has given a Below is the key information for Aditya Birla Sun Life Regular Savings Fund Returns up to 1 year are on (Erstwhile Principal Balanced Fund) Aims to generate long term capital appreciation and current income by investing in a portfolio of equity, equity related securities and fixed income securities. Principal Hybrid Equity Fund is a Hybrid - Hybrid Equity fund was launched on 14 Jan 00. It is a fund with Moderately High risk and has given a Below is the key information for Principal Hybrid Equity Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Balanced 95 Fund) An Open ended Balanced Scheme with the objective to generate long term growth of capital and current income, through a portfolio with a target allocation of 60% equity and 40% debt and money market securities. The secondary objective is income generation and distribution of dividend. Aditya Birla Sun Life Equity Hybrid 95 Fund is a Hybrid - Hybrid Equity fund was launched on 10 Feb 95. It is a fund with Moderately High risk and has given a Below is the key information for Aditya Birla Sun Life Equity Hybrid 95 Fund Returns up to 1 year are on (Erstwhile HDFC Growth Fund and HDFC Prudence Fund) Aims to generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. HDFC Balanced Advantage Fund is a Hybrid - Dynamic Allocation fund was launched on 11 Sep 00. It is a fund with Moderately High risk and has given a Below is the key information for HDFC Balanced Advantage Fund Returns up to 1 year are on (Erstwhile UTI MIS Advantage Plan) The investment objective of the Scheme is to generate regular income through investments in fixed income securities and capital appreciation / dividend income through investment of a portion of net assets of the scheme in equity and equity related instruments so as to endeavour to make periodic income distribution to Unit holders. Income may be generated through Coupon payments, amortization of discount on debt instruments, receipt of dividends or the purchase and sale of securities in the underlying portfolio. Under normal market conditions investment will be made in fixed income securities, money market instruments,cash and cash equivalents while at the same time maintaining a limited exposure to equity markets. The Scheme will endeavor to enhance overall returns through appropriate investments upto a maximum of 25% of Net Assets into equity and equity related instruments. UTI Regular Savings Fund is a Hybrid - Hybrid Debt fund was launched on 16 Dec 03. It is a fund with Moderately High risk and has given a Below is the key information for UTI Regular Savings Fund Returns up to 1 year are on (Erstwhile HDFC MF Monthly Income Plan - LTP) The primary objective of Scheme is to generate regular returns through investment primarily in Debt and Money Market Instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme`s assets in equity and equity related instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved. HDFC Hybrid Debt Fund is a Hybrid - Hybrid Debt fund was launched on 26 Dec 03. It is a fund with Moderately High risk and has given a Below is the key information for HDFC Hybrid Debt Fund Returns up to 1 year are on 1. ICICI Prudential MIP 25
CAGR/Annualized return of 10% since its launch. Ranked 2 in Hybrid Debt category. Return for 2018 was 5.1% , 2017 was 12.9% and 2016 was 10.9% . ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (18 Feb 19) ₹41.3218 ↓ -0.08 (-0.19 %) Net Assets (Cr) ₹1,584 on 31 Jan 19 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.28 Sharpe Ratio 0.39 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 14 ₹10,000 31 Jan 15 ₹12,756 31 Jan 16 ₹13,063 31 Jan 17 ₹14,994 31 Jan 18 ₹16,617 31 Jan 19 ₹17,381 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 19 Duration Returns 1 Month -0.3% 3 Month 1.8% 6 Month 1.9% 1 Year 5.7% 3 Year 10.8% 5 Year 11.6% 10 Year 15 Year Since launch 10% Historical performance (Yearly) on absolute basis
Year Returns 2018 5.1% 2017 12.9% 2016 10.9% 2015 6.4% 2014 22.5% 2013 5.9% 2012 17.3% 2011 -0.6% 2010 9% 2009 22.5% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Rajat Chandak 17 Feb 15 3.7 Yr. Manish Banthia 19 Sep 13 5.12 Yr. Data below for ICICI Prudential MIP 25 as on 31 Jan 19
Asset Allocation
Asset Class Value Cash 7.47% Equity 16.23% Debt 76.28% Other 0.02% Equity Sector Allocation
Sector Value Consumer Cyclical 5.25% Financial Services 3.24% Consumer Defensive 1.39% Basic Materials 1.14% Industrials 1.14% Health Care 0.94% Energy 0.57% Debt Sector Allocation
Sector Value Corporate 71.6% Cash Equivalent 5.91% Government 4.52% Securitized 1.72% Credit Quality
Rating Value A 21.77% AA 34.63% AAA 38.49% BBB 5.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aqua Space Developers Pvt. Ltd.
Debentures | -6% ₹100 Cr 1,000 Essar Oil Limited
Debentures | -6% ₹100 Cr 100 LIC Housing Finance Limited
Debentures | -6% ₹99 Cr 1,000 Talwandi Sabo Power Limited
Debentures | -6% ₹98 Cr 1,000 Treps
CBLO/Reverse Repo | -6% ₹95 Cr IIERT June 2018 II Series A PTC
Unlisted bonds | -5% ₹75 Cr 1,000 Prestige Estates Projects Limited
Debentures | -5% ₹74 Cr 750 Tata Steel Limited
Debentures | -4% ₹71 Cr 490
↓ -250 IDBI Bank Limited
Debentures | -4% ₹67 Cr 694 Housing Development Finance Corporation Limited
Debentures | -4% ₹65 Cr 65 2. SBI Debt Hybrid Fund
CAGR/Annualized return of 7.7% since its launch. Ranked 5 in Hybrid Debt category. Return for 2018 was -0.2% , 2017 was 8.5% and 2016 was 12.5% . SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (18 Feb 19) ₹37.9892 ↓ -0.12 (-0.30 %) Net Assets (Cr) ₹1,252 on 31 Jan 19 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 2.4 Sharpe Ratio -0.64 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 14 ₹10,000 31 Jan 15 ₹12,146 31 Jan 16 ₹12,795 31 Jan 17 ₹14,698 31 Jan 18 ₹15,547 31 Jan 19 ₹15,602 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 19 Duration Returns 1 Month -0.4% 3 Month 1.3% 6 Month 0.2% 1 Year 0.6% 3 Year 6.9% 5 Year 9.1% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2018 -0.2% 2017 8.5% 2016 12.5% 2015 8.2% 2014 18% 2013 4.1% 2012 15.4% 2011 1.1% 2010 7.5% 2009 5.9% Fund Manager information for SBI Debt Hybrid Fund
Name Since Tenure Dinesh Ahuja 1 Jul 11 7.34 Yr. Ruchit Mehta 1 Jul 11 7.34 Yr. Data below for SBI Debt Hybrid Fund as on 31 Jan 19
Asset Allocation
Asset Class Value Cash 8.35% Equity 24.69% Debt 66.96% Equity Sector Allocation
Sector Value Financial Services 8.28% Consumer Cyclical 5.42% Industrials 4.24% Consumer Defensive 2.53% Technology 2.27% Energy 0.73% Communication Services 0.61% Basic Materials 0.6% Debt Sector Allocation
Sector Value Corporate 63.76% Cash Equivalent 8.35% Government 3.2% Credit Quality
Rating Value A 7.26% AA 45.83% AAA 46.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank Of India
Debentures | -8% ₹102 Cr 1,000 Treps
CBLO/Reverse Repo | -5% ₹68 Cr Bharti Telecom Limited
Debentures | -4% ₹54 Cr 500 Reliance Industries Limited
Debentures | -4% ₹49 Cr 500 ICICI Bank Limited
Debentures | -4% ₹49 Cr 500 Muthoot Finance Limited
Debentures | -3% ₹39 Cr 400,000 Hindalco Industries Limited
Debentures | -3% ₹36 Cr 360 Power Finance Corporation Ltd.
Debentures | -3% ₹35 Cr 350 Tata Realty And Infrastructure Limited
Debentures | -2% ₹31 Cr 310 Syndicate Bank
Debentures | -2% ₹30 Cr 300 3. Aditya Birla Sun Life Regular Savings Fund
CAGR/Annualized return of 9.4% since its launch. Ranked 4 in Hybrid Debt category. Return for 2018 was -2.2% , 2017 was 15.5% and 2016 was 13.1% . Aditya Birla Sun Life Regular Savings Fund
Growth Launch Date 22 May 04 NAV (18 Feb 19) ₹37.5984 ↓ -0.09 (-0.24 %) Net Assets (Cr) ₹2,379 on 31 Jan 19 Category Hybrid - Hybrid Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.24 Sharpe Ratio -0.84 Information Ratio 0.04 Alpha Ratio -7.29 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 14 ₹10,000 31 Jan 15 ₹13,165 31 Jan 16 ₹13,255 31 Jan 17 ₹15,912 31 Jan 18 ₹17,476 31 Jan 19 ₹17,140 Returns for Aditya Birla Sun Life Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 19 Duration Returns 1 Month -1.2% 3 Month -0.1% 6 Month -3.8% 1 Year -1.2% 3 Year 9.5% 5 Year 11.1% 10 Year 15 Year Since launch 9.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 -2.2% 2017 15.5% 2016 13.1% 2015 5.4% 2014 27.7% 2013 6.7% 2012 16.7% 2011 -0.6% 2010 7.6% 2009 20.9% Fund Manager information for Aditya Birla Sun Life Regular Savings Fund
Name Since Tenure Satyabrata Mohanty 18 Jun 09 9.38 Yr. Vineet Maloo 26 Aug 15 3.19 Yr. Pranay Sinha 26 Aug 15 3.19 Yr. Data below for Aditya Birla Sun Life Regular Savings Fund as on 31 Jan 19
Asset Allocation
Asset Class Value Cash 26.8% Equity 25.85% Debt 47.35% Equity Sector Allocation
Sector Value Financial Services 11.7% Industrials 3.95% Basic Materials 2.84% Consumer Cyclical 2.77% Technology 1.71% Energy 1.29% Health Care 1.13% Utility 0.27% Consumer Defensive 0.18% Debt Sector Allocation
Sector Value Corporate 38.12% Cash Equivalent 26.8% Government 8.43% Securitized 0.81% Credit Quality
Rating Value A 12.94% AA 34.46% AAA 48.81% B 0.31% Below B 2.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clearing Corporation Of India Limited
CBLO | -10% ₹238 Cr Indiabulls Housing Finance Limited
Debentures | -5% ₹125 Cr 1,250
↑ 1,250 Kotak Mahindra Investments Limited
Debentures | -4% ₹100 Cr 1,000 U.P. Power Corporation Limited
Debentures | -4% ₹98 Cr 1,007 Tata Motors Finance Limited
Debentures | -4% ₹96 Cr 750 Net Receivables / (Payables)
Net Current Assets | -3% ₹74 Cr PNB Housing Finance Ltd
Debentures | -3% ₹74 Cr 750 Indiabulls Housing Finance Limited
Debentures | -3% ₹65 Cr 500 Housing Development Finance Corporation Limited
Debentures | -2% ₹52 Cr 50 SP Imperial Star Private Limited
Unlisted bonds | -2% ₹51 Cr 40 4. Principal Hybrid Equity Fund
CAGR/Annualized return of 10.9% since its launch. Ranked 1 in Hybrid Equity category. Return for 2018 was -1.5% , 2017 was 36.3% and 2016 was 10.1% . Principal Hybrid Equity Fund
Growth Launch Date 14 Jan 00 NAV (19 Feb 19) ₹72.65 ↓ -0.02 (-0.03 %) Net Assets (Cr) ₹1,668 on 31 Jan 19 Category Hybrid - Hybrid Equity AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.78 Sharpe Ratio -0.56 Information Ratio 0.84 Alpha Ratio -3.56 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 14 ₹10,000 31 Jan 15 ₹14,330 31 Jan 16 ₹13,466 31 Jan 17 ₹16,307 31 Jan 18 ₹21,589 31 Jan 19 ₹20,866 Returns for Principal Hybrid Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 19 Duration Returns 1 Month -3.2% 3 Month -2.6% 6 Month -6.4% 1 Year -2.8% 3 Year 16.8% 5 Year 15% 10 Year 15 Year Since launch 10.9% Historical performance (Yearly) on absolute basis
Year Returns 2018 -1.5% 2017 36.3% 2016 10.1% 2015 3.1% 2014 34.9% 2013 7.2% 2012 34.2% 2011 -22% 2010 10.2% 2009 64% Fund Manager information for Principal Hybrid Equity Fund
Name Since Tenure Bekxy Kuriakose 21 Mar 16 2.61 Yr. P.V.K. Mohan 27 Jan 12 6.76 Yr. Data below for Principal Hybrid Equity Fund as on 31 Jan 19
Asset Allocation
Asset Class Value Cash 11.21% Equity 67.5% Debt 21.25% Other 0.04% Equity Sector Allocation
Sector Value Financial Services 17.61% Technology 11.19% Consumer Defensive 10.59% Basic Materials 8.1% Industrials 5.43% Utility 4.08% Energy 3.56% Consumer Cyclical 3.56% Health Care 2.16% Communication Services 1.22% Debt Sector Allocation
Sector Value Corporate 13.13% Cash Equivalent 11.21% Government 8.13% Credit Quality
Rating Value A 3.19% AA 23.18% AAA 73.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps 01-Feb-2019
CBLO/Reverse Repo | -8% ₹131 Cr HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK4% ₹63 Cr 304,203 Reliance Industries Ltd (Energy)
Equity, Since 28 Feb 07 | RELIANCE4% ₹59 Cr 484,300 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK3% ₹55 Cr 1,517,976 Infosys Ltd (Technology)
Equity, Since 30 Sep 17 | INFY3% ₹50 Cr 673,000 ITC Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | ITC3% ₹44 Cr 1,569,532 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 14 | TCS2% ₹38 Cr 187,518 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | KOTAKBANK2% ₹35 Cr 278,716
↑ 56,000 7.16% Govt Stock 2023
Sovereign Bonds | -2% ₹33 Cr 3,350,000
↓ -1,800,000 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Jan 18 | HDFC2% ₹32 Cr 165,000 5. Aditya Birla Sun Life Equity Hybrid 95 Fund
CAGR/Annualized return of 19.4% since its launch. Ranked 3 in Hybrid Equity category. Return for 2018 was -5% , 2017 was 25.9% and 2016 was 8.9% . Aditya Birla Sun Life Equity Hybrid 95 Fund
Growth Launch Date 10 Feb 95 NAV (19 Feb 19) ₹702.85 ↑ 1.00 (0.14 %) Net Assets (Cr) ₹13,373 on 31 Jan 19 Category Hybrid - Hybrid Equity AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.41 Sharpe Ratio -0.82 Information Ratio -0.77 Alpha Ratio -6.58 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 14 ₹10,000 31 Jan 15 ₹15,914 31 Jan 16 ₹15,239 31 Jan 17 ₹17,955 31 Jan 18 ₹21,531 31 Jan 19 ₹20,151 Returns for Aditya Birla Sun Life Equity Hybrid 95 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 19 Duration Returns 1 Month -3.8% 3 Month -2.8% 6 Month -9% 1 Year -5.1% 3 Year 10.7% 5 Year 14.2% 10 Year 15 Year Since launch 19.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 -5% 2017 25.9% 2016 8.9% 2015 3.4% 2014 48.6% 2013 6.1% 2012 24.6% 2011 -13.9% 2010 19.7% 2009 70.2% Fund Manager information for Aditya Birla Sun Life Equity Hybrid 95 Fund
Name Since Tenure Mahesh Patil 15 Jan 14 4.96 Yr. Pranay Sinha 26 Aug 15 3.35 Yr. Dhaval Shah 23 Nov 16 2.11 Yr. Data below for Aditya Birla Sun Life Equity Hybrid 95 Fund as on 31 Jan 19
Asset Allocation
Asset Class Value Cash 6.92% Equity 74.05% Debt 19.03% Equity Sector Allocation
Sector Value Financial Services 24.38% Technology 10.48% Consumer Cyclical 8.17% Basic Materials 7.25% Health Care 6.37% Consumer Defensive 6.17% Industrials 6.14% Energy 3.47% Utility 1.62% Debt Sector Allocation
Sector Value Corporate 15.6% Cash Equivalent 6.92% Government 3.32% Securitized 0.11% Credit Quality
Rating Value A 6.43% AA 36.84% AAA 56.29% Below B 0.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | HDFCBANK7% ₹934 Cr 4,491,629 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 13 | ICICIBANK5% ₹687 Cr 18,846,458 Infosys Ltd (Technology)
Equity, Since 31 May 11 | INFY4% ₹537 Cr 7,170,652 INDIABULLS HOUSING FINANCE LIMITED
Commercial Paper | -3% ₹446 Cr 9,000
↑ 9,000 State Bank of India (Financial Services)
Equity, Since 30 Jun 16 | SBIN3% ₹390 Cr 13,266,700 Idea Cellular Limited
Debentures | -2% ₹316 Cr 3,450 Clearing Corporation Of India Limited
CBLO | -2% ₹294 Cr ITC Ltd (Consumer Defensive)
Equity, Since 30 Nov 14 | ITC2% ₹273 Cr 9,801,000
↑ 1,817,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT2% ₹236 Cr 1,796,680
↑ 396,000 HCL Technologies Ltd (Technology)
Equity, Since 30 Nov 11 | HCLTECH2% ₹211 Cr 2,102,590
↑ 93,300 6. HDFC Balanced Advantage Fund
CAGR/Annualized return of 17.9% since its launch. Ranked 23 in Dynamic Allocation category. . HDFC Balanced Advantage Fund
Growth Launch Date 11 Sep 00 NAV (07 Sep 18) ₹193.223 ↑ 0.95 (0.49 %) Net Assets (Cr) ₹37,850 on 31 Jul 18 Category Hybrid - Dynamic Allocation AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.53 Sharpe Ratio 0.27 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 14 ₹10,000 31 Jan 15 ₹15,633 31 Jan 16 ₹13,869 31 Jan 17 ₹16,669 31 Jan 18 ₹22,104 Returns for HDFC Balanced Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 19 Duration Returns 1 Month 2.2% 3 Month 5.4% 6 Month 8% 1 Year 12.3% 3 Year 16.6% 5 Year 18.8% 10 Year 15 Year Since launch 17.9% Historical performance (Yearly) on absolute basis
Year Returns 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 Fund Manager information for HDFC Balanced Advantage Fund
Name Since Tenure Data below for HDFC Balanced Advantage Fund as on 31 Jul 18
Asset Allocation
Asset Class Value Equity Sector Allocation
Sector Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 7. UTI Regular Savings Fund
CAGR/Annualized return of 9.6% since its launch. Ranked 10 in Hybrid Debt category. Return for 2018 was 3.4% , 2017 was 12.5% and 2016 was 8.9% . UTI Regular Savings Fund
Growth Launch Date 16 Dec 03 NAV (18 Feb 19) ₹40.2388 ↓ -0.11 (-0.26 %) Net Assets (Cr) ₹2,507 on 31 Jan 19 Category Hybrid - Hybrid Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.74 Sharpe Ratio -0.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Jan 14 ₹10,000 31 Jan 15 ₹12,529 31 Jan 16 ₹12,985 31 Jan 17 ₹14,501 31 Jan 18 ₹16,028 31 Jan 19 ₹16,499 Returns for UTI Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 19 Duration Returns 1 Month -0.5% 3 Month 1.4% 6 Month -1.2% 1 Year 3.8% 3 Year 8.7% 5 Year 10.3% 10 Year 15 Year Since launch 9.6% Historical performance (Yearly) on absolute basis
Year Returns 2018 3.4% 2017 12.5% 2016 8.9% 2015 7.1% 2014 21.1% 2013 6.5% 2012 15.1% 2011 -0.6% 2010 7.2% 2009 21.6% Fund Manager information for UTI Regular Savings Fund
Name Since Tenure Amandeep Chopra 14 Dec 06 11.89 Yr. Ajay Tyagi 2 Dec 14 3.92 Yr. Data below for UTI Regular Savings Fund as on 31 Jan 19
Asset Allocation
Asset Class Value Cash 11.7% Equity 24.79% Debt 63.51% Equity Sector Allocation
Sector Value Financial Services 7.64% Consumer Cyclical 4.32% Technology 4.16% Health Care 3.3% Basic Materials 2.28% Consumer Defensive 1.56% Industrials 1.53% Debt Sector Allocation
Sector Value Corporate 48.81% Government 12.6% Cash Equivalent 11.7% Securitized 2.09% Credit Quality
Rating Value A 3.84% AA 45.85% AAA 50.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Current Assets
Net Current Assets | -10% ₹239 Cr 00 Idea Cellular Limited
Debentures | -6% ₹151 Cr 1,650
↑ 50 7.17% Govt Stock 2028
Sovereign Bonds | -4% ₹103 Cr 1,047,170,000
↓ -750,000,000 Dewan Housing Finance Corporation Limited
Debentures | -4% ₹91 Cr 1,000,000 7.68% Govt Stock 2023
Sovereign Bonds | -3% ₹86 Cr 850,000,000 Bank Of Baroda
Debentures | -3% ₹72 Cr 750 U.P. Power Corporation Limited
Debentures | -2% ₹59 Cr 600 Rent a Device Trust
Unlisted bonds | -2% ₹52 Cr 500 Green Infra Wind Energy Limited
Debentures | -2% ₹50 Cr 500 NRSS XXIX TRANSMISSION LIMITED
Debentures | -2% ₹50 Cr 500 8. HDFC Hybrid Debt Fund
CAGR/Annualized return of 10.2% since its launch. Ranked 16 in Hybrid Debt category. Return for 2018 was 0.6% , 2017 was 10.8% and 2016 was 13% . HDFC Hybrid Debt Fund
Growth Launch Date 26 Dec 03 NAV (18 Feb 19) ₹43.7746 ↓ -0.08 (-0.18 %) Net Assets (Cr) ₹3,183 on 31 Jan 19 Category Hybrid - Hybrid Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.06 Sharpe Ratio -0.54 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jan 14 ₹10,000 31 Jan 15 ₹12,903 31 Jan 16 ₹12,807 31 Jan 17 ₹15,100 31 Jan 18 ₹16,320 31 Jan 19 ₹16,394 Returns for HDFC Hybrid Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 19 Duration Returns 1 Month -1.8% 3 Month 0% 6 Month 0.7% 1 Year 0.8% 3 Year 8.9% 5 Year 10% 10 Year 15 Year Since launch 10.2% Historical performance (Yearly) on absolute basis
Year Returns 2018 0.6% 2017 10.8% 2016 13% 2015 3.8% 2014 24.9% 2013 3.6% 2012 15.6% 2011 -0.8% 2010 10.8% 2009 30.7% Fund Manager information for HDFC Hybrid Debt Fund
Name Since Tenure Shobhit Mehrotra 1 Sep 07 11.34 Yr. Prashant Jain 26 Dec 03 15.02 Yr. Amar Kalkundrikar 10 Jan 19 0 Yr. Data below for HDFC Hybrid Debt Fund as on 31 Jan 19
Asset Allocation
Asset Class Value Cash 8.51% Equity 25.1% Debt 66.4% Equity Sector Allocation
Sector Value Financial Services 9.98% Technology 3.82% Utility 2.99% Basic Materials 2.71% Industrials 2.4% Energy 2.03% Health Care 1.18% Consumer Cyclical 0% Debt Sector Allocation
Sector Value Government 36.5% Corporate 29.9% Cash Equivalent 8.51% Credit Quality
Rating Value A 9.65% AA 19.92% AAA 69.14% BB 1.29% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Current Assets
Net Current Assets | -5% ₹166 Cr 7.17% Govt Stock 2028
Sovereign Bonds | -5% ₹147 Cr 15,000,000
↑ 2,500,000 Reliance Jio Infocomm Limited
Debentures | -3% ₹97 Cr 1,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK3% ₹80 Cr 2,199,000 State Bank of India (Financial Services)
Equity, Since 31 Aug 09 | SBIN2% ₹76 Cr 2,603,710 7.35% Govt Stock 2024
Sovereign Bonds | -2% ₹75 Cr 7,500,000 Housing Development Finance Corporation Limited
Debentures | -2% ₹74 Cr 75 Infosys Ltd (Technology)
Equity, Since 31 Aug 11 | INFY2% ₹71 Cr 951,648 7.88% GS 2030
Sovereign Bonds | -2% ₹71 Cr 7,000,000
↓ -500,000 Power Finance Corporation Ltd.
Debentures | -2% ₹71 Cr 750
Tax Implications
All the mutual funds with an equity exposure of 65% or more on an average are treated as equity asset class for taxation purpose. So the short-term capital gains meaning the gains booked with one year of the equity-oriented balance are taxed at 15%. If these funds are held for a period more than 12 months, their long-term capital gains are taxed at 10% if the gains booked exceed Rs. 1 lakh (as per the latest budget of 2018).
For debt oriented Hybrid Funds tax is 20% with indexation benefit as any other debt instrument if holding is for 3 years or above. Short term is taxed at marginal rate of tax (as per tax slab).
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