Nippon India Regular Saving Fund

Overview of Nippon India Regular Saving - Equity Mutual Fund

  • Type or nature of fund
  • Nippon India Regular Saving - Equity Fund is an open-ended equity mutual fund scheme

  • Investment objective
  • Nippon India Regular Saving - Equity Mutual Fund is primarily aimed at generating consistent returns and capital appreciation by investing actively into equity and equity related securities.

  • Fund Information
  • Inception date •9th June 2005
    CRISIL rank •3
    Options Dividend and Growth
    Schemes

    Nippon India Regular Savings Fund - Debt Option

    Nippon India Regular Savings Fund - Equity Option

    Nippon India Regular Savings Fund - Balanced Option

    Entry load NIL
    Exit load 1% if redeemed before completion of 1 year, NIL if units are redeemed after completion of 1 year from the date of allotment of units
    Minimum investment Rs.500 and then in multiples of Re.1 and Rs.1000 (plus multiples of Re.1)
    SIP

    Yes. Following is the break-up for various plans. Minimum investment amount for investing in SIP for Nippon India Regular Savings Plan is listed below:

    1. Rs.100/- per month then in multiples of Re. 1/- for minimum 60 months
    2. Rs.500/- per month then in multiples of Re. 1/- for minimum 12 months
    3. Rs.1000/- per month then in multiples of Re. 1/- for minimum 6 months
    4. Rs.500/- per quarter then in multiples of Re. 1/- for minimum 12 quarters
    5. Rs.1500/- per quarter then in multiples of Re. 1/- for minimum 4 quarters
    6. Rs. 5000/- per year then in multiples of Rs. 500/- for minimum 2 years
    Product label – Risk and target investors Moderately High, most suitable for investors who want long-term capital appreciation and are willing to take a higher risk
    Benchmark S&P BSE 100
    SWP Yes, Available
    STP Yes, Available
    Redemption Nippon India Regular Savings Fund offers unique feature of Any Time Money Card enabling investors to withdraw its investment anytime,anywhere.
    Taxation Applicable taxes depend upon the type of mutual fund scheme availed and the amount and time of redemption of units. However, it is in the best interest of investors to consult a tax adviser for computation of applicable tax before redemption of units.
  • Fund manager
  • Omprakash Kuckian is the Fund Manager of Nippon India Regular Savings Fund. Mr. Kuckian is a B.Com (H) and AICWA. Prior to joining Nippon India Mutual Funds, he had worked with Religare Invesco AMC and HDFC Securities. Other funds managed by Omprakash Kuckian are listed below.

    Nippon India NRI Equity Fund-Growth

    Nippon India Focused Large Cap Fund

    Nippon India Capital Builder Fund III Series A-Growth

    Nippon India Capital Builder Fund III Series A Direct-Growth

    Nippon India Regular Savings Fund Equity Plan Direct-Growth

    Nippon India Focused Large Cap Fund Direct - Growth

    Nippon India NRI Equity Fund Direct-Growth

  • Investment philosophy or strategy
  • Following is the philosophy and strategy at which Nippon India Regular Savings Mutual Fund is based.

    • Aimed at participation in multi-cap strategy in order to leverage investment opportunities across all sectors and market capitalization
    • Based on current market situation, fund manager has the authority to switch between large-cap and medium funds to boost profitability and mitigate risk
    • Nippon India Regular Savings fund is focused on investment in niche companies and observing macro trends in order to invest capital wisely
    • The fund investment strategy involves concentrated holdings resulting in around 21% exposure in top 5 holdings.
    • Nippon India Regular Fund sometimes takes cash calls depending on market trends in order to participate in sudden potential opportunities
  • Portfolio – Sector / Top 10 holdings
  • Given below is the stock names and the sector break-up of stocks that Nippon India Regular Savings Fund is currently invested in.

    HOLDING ASSET TYPE ALLOCATION(%) SECTOR
    Honeywell Automation India Ltd. Equity 5.33% Industrial Capital Goods
    Bombay Burmah Trdg. Corpn. Ltd. Equity 4.25% Banks
    Larsen & Toubro Ltd. Equity 4.07% Construction
    HDFC Bank Ltd. Equity 3.89% Banks
    Torrent Pharmaceuticals Ltd. Equity 3.53% Pharma
    Divi's Laboratories Ltd. Equity 3.43% Chemical
    Ultratech Cement Ltd. Equity 3.30% Cement
    Aditya Birla Nuvo Ltd. Equity 3.08% Services
    Infosys Ltd. Equity 3.01% IT
    ALSTOM India Ltd. Equity 2.88% IT
  • Risk measures –
  • The risk measures listed below have been calculated by taking rolling return for a 3 year period from 31/08/2012 to 31/08/2015

    •Sharpe Ratio •0.14
    •Alpha •NA
    •Beta •NA
    •Portfolio Turnover Ratio •0.32
  • Fund Performance
  • •AUM •Rs. 2,650.89 crores
    •NAV •51.83
    •Expenses, expense ratio •2.49%

Benchmark Comparison

Following is the benchmark comparison for Nippon India Regular Savings Fund as per data from May 29th, 2015.

Compounded Annualised Returns Scheme Returns % Benchmark Returns %
Returns for the last 1 year 10.16 12.23
Returns for the last 3 years 9.67 9.13
Returns for the last 5 years 8.55 8.04
Returns since inception (Inception date October 08, 1995) 6.76 6.83

Absolute Returns for 1, 3 and 5 years are mentioned above.

Expert view of the fund

Nippon India Small Cap Mutual Fund is a scheme that identifies small cap companies and invests in those to yield substantial returns as well as low risk to investors. The fund has exposure to chemicals, software, industrial products and pharmaceuticals. Experts believe that the fund has huge potential to lure and then reward investors. Considering that the fund has been a clear out-performer for the past 3 years, it is good to invest in this fund. Investors who are looking to grow their capital can explore Nippon India Small Cap fund for superior gains that are derived as a result of hedging of risk and diversification of investment capital.

How to apply for Nippon India Small Cap Mutual Fund

There are two basic ways of applying for Nippon India Small Cap Mutual Fund. First is the traditional way of physically visiting any of the Nippon India Mutual Fund branches and filling out and submitting an application form along with the required documents. Second is to apply online using either the online platforms of the company or the mobile platforms like mobile website and mobile application. Alternatively, you can call up Nippon India Mutual Funds and request for an adviser to take you through the details of various mutual fund schemes after which you can easily zero down on the scheme that suits your financial goals the best.

GST rate of 18% applicable for all financial services effective July 1, 2017.

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