LIC MF Banking & PSU Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 47 (Category Avg - 58.59) | Modified Duration 3.12 Years (Category Avg - 3.07)| Yield to Maturity 6.69% (Category Avg - 6.76%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	15.57%	15.74%
CD	15.19%	5.33%
T-Bills	0.00%	0.04%
CP	0.00%	0.04%
NCD & Bonds	66.67%	73.43%
PTC	0.00%	0.13%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	15.57%	15.78%
Low Risk	81.86%	78.93%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 31st Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - National Highways Authority of India	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	AAA	CRISIL	1096.29	5.77%	1.00 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	737.94	3.88%	1.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	729.76	3.84%	7.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	682.53	3.59%	6.50 k
Bond - NLC India Ltd.	NCD & Bonds	Power generation	LAAA	ICRA	637.05	3.35%	600.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	629.54	3.31%	6.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	582.12	3.06%	5.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	543.69	2.86%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	540.21	2.84%	5.00 k
Bond - Jamnagar Utilities & Power Pvt. Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	531.91	2.80%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	530.16	2.79%	5.00 k
Bond - Govt of India	GOI	Other			517.40	2.72%	50.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	515.02	2.71%	5.00 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	513.59	2.70%	500.00
Bond - Govt of India	GOI	Other			511.92	2.69%	50.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	492.54	2.59%	1.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	476.64	2.51%	1.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	472.03	2.48%	1.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	471.61	2.48%	1.00 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	460.19	2.42%	4.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	367.08	1.93%	3.50 k
Bond - Govt of India	GOI	Other			350.63	1.85%	35.00 L
Bond - Govt of India	GOI	Other			342.62	1.80%	32.50 L
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	316.21	1.66%	300.00
Bond - Govt of India	GOI	Other			294.54	1.55%	30.00 L
Bond - Indian Oil Corporation Ltd.	NCD & Bonds	Refineries & marketing	INDAAA	FITCH	272.06	1.43%	250.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	271.68	1.43%	2.50 k
Bond - National Highways Authority of India	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	AAA	CRISIL	269.96	1.42%	250.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	269.50	1.42%	250.00
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	AAA	CRISIL	267.96	1.41%	250.00
Bond - Govt of India	GOI	Other			266.26	1.40%	25.00 L
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	LAAA	ICRA	266.11	1.40%	250.00
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	265.67	1.40%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	260.04	1.37%	2.50 k
Bond - Govt of India	GOI	Other			260.02	1.37%	25.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	260.02	1.37%	250.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	259.87	1.37%	2.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	258.57	1.36%	2.50 k
Bond - Govt of India	GOI	Other			258.36	1.36%	25.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	257.72	1.36%	2.50 k
Bond - Housing & Urban Development Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	250.51	1.32%	2.50 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	237.77	1.25%	500.00
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	AAA	CRISIL	160.65	0.85%	150.00
Bond - Govt of India	GOI	Other			157.19	0.83%	15.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	151.76	0.80%	1.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	151.53	0.80%	1.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	101.35	0.53%	100.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	3.82%
Net Receivables	Net Receivables	-1.29%

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hunch
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30 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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shravanashok
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45 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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The Fixed Income
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20 hrs ago

Secure Long-Term Income with a State-Backed PSU Bond MEGHALAYA ENERGY CORPORATION LIMITED – 2033 Bond ???? Coupon: 10.55% p.a. ???? Rating: Acuite (SMERA) A-(CE) Stable, BRICKWORK (BWR) A-(CE) Stable ???? Tenor: 7y 6m (Maturity: 03/Apr/2033) ???? Secured | PSU Bond | High Return | Listed A robust, long-tenor PSU bond offering stability, consistent returns, and strong credit assurance. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPb1pnPT0=/1055-meghalaya-energy-corporation-limited-2033?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Secure Long-Term Income with a State-Backed PSU Bond MEGHALAYA ENERGY CORPORATION LIMITED – 2033 Bond ???? Coupon: 10.55% p.a. ???? Rating: Acuite (SMERA) A-(CE) Stable, BRICKWORK (BWR) A-(CE) Stable ???? Tenor: 7y 6m (Maturity: 03/Apr/2033) ???? Secured | PSU Bond | High Return | Listed A robust, long-tenor PSU bond offering stability, consistent returns, and strong credit assurance. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPb1pnPT0=/1055-meghalaya-energy-corporation-limited-2033?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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96 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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96 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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h_purandare
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102 days ago

Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut View more

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  Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut
  
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