LIC MF ULIS (10 Yrs. Regular Premium Reducing Cover Half - Yearly) - Direct Plan - IDCW Reinvestment

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.

Equity Holding : 76.34% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 76.34%

No of Stocks : 45 (Category Avg - 0.00) | Large Cap Investments : 34.03%| Mid Cap Investments : 12.36% | Small Cap Investments : 9.6% | Other : 20.35%

Portfolio Summary (as on 30th Nov,2025)

Particulars	This Scheme	Category
No. of Stocks	45	0
Top 5 Stock Weight	23.2%	0%
Top 10 Stock Weight	35.63%	0%
Top 3 Sector Weight	30.55%	0%

Category - Investment cum Insurance

Particulars	This Scheme	Category
Average mcap (Cr)	96577.38	0
Holdings in large cap stocks	34.03%	0%
Holdings in mid cap stocks	12.36%	0%
Holdings in small cap stocks	9.6%	0%

Category - Investment cum Insurance

Top 10 Stocks holding in Portfolio (as on 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
ICICI Bank Ltd.	Private sector bank	380.2	8.15%	0.11%	8.83% (Jul 2025)	7.43% (Jan 2025)	2.74 L	-7.20 k
HDFC Bank Ltd.	Private sector bank	247.9	5.31%	0.01%	5.41% (Jul 2025)	4.53% (Jan 2025)	2.46 L	-6.47 k
Infosys Ltd.	Computers - software & consulting	175.7	3.77%	0.12%	5.18% (Jan 2025)	3.65% (Oct 2025)	1.13 L	-2.96 k
Trent Limited	Speciality retail	146.7	3.14%	-0.40%	5.84% (Dec 2024)	3.14% (Nov 2025)	34.51 k	-0.91 k
Bajaj Finance Ltd.	Non banking financial company (nbfc)	132	2.83%	-0.07%	2.9% (Oct 2025)	1.84% (Dec 2024)	1.27 L	-3.35 k
Bharat Electronics Ltd.	Aerospace & defense	127.7	2.74%	-0.15%	2.89% (Oct 2025)	1.76% (Feb 2025)	3.10 L	-8.16 k
Divis Laboratories Ltd.	Pharmaceuticals	120	2.57%	-0.15%	2.72% (Oct 2025)	2.24% (Jan 2025)	18.52 k	-0.49 k
Titan Company Ltd.	Gems, jewellery and watches	114.7	2.46%	0.06%	2.46% (Nov 2025)	1.99% (Mar 2025)	29.35 k	-0.77 k
Axis Bank Ltd.	Private sector bank	109.8	2.35%	0.04%	2.35% (Nov 2025)	1.83% (Jan 2025)	85.77 k	-2.26 k
KSB Ltd.	Compressors, pumps & diesel engines	107.8	2.31%	-0.11%	2.6% (Sep 2025)	2% (Feb 2025)	1.40 L	-3.69 k

- indicates change in weight in the portfolio. # indicates a new entry.

View complete holding

Complete equity Portfolio (as on 30th Nov,2025)

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Sector
M-Cap

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Stock Invested in	Sector	Sector Total	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty	M-Cap	GroupName
ICICI Bank Ltd.	Private sector bank	18.14	380.2	8.15%	0.11%	8.83% (Jul 2025)	7.43% (Jan 2025)	2.74 L	-7.20 k	Large Cap	34.03
HDFC Bank Ltd.	Private sector bank	18.14	247.9	5.31%	0.01%	5.41% (Jul 2025)	4.53% (Jan 2025)	2.46 L	-6.47 k	Other	20.35
Infosys Ltd.	Computers - software & consulting	7.15	175.7	3.77%	0.12%	5.18% (Jan 2025)	3.65% (Oct 2025)	1.13 L	-2.96 k	Large Cap	34.03
Trent Limited	Speciality retail	3.92	146.7	3.14%	-0.40%	5.84% (Dec 2024)	3.14% (Nov 2025)	34.51 k	-0.91 k	Mid Cap	12.36
Bajaj Finance Ltd.	Non banking financial company (nbfc)	3.8	132	2.83%	-0.07%	2.9% (Oct 2025)	1.84% (Dec 2024)	1.27 L	-3.35 k	Other	20.35
Bharat Electronics Ltd.	Aerospace & defense	2.74	127.7	2.74%	-0.15%	2.89% (Oct 2025)	1.76% (Feb 2025)	3.10 L	-8.16 k	Mid Cap	12.36
Divis Laboratories Ltd.	Pharmaceuticals	4.49	120	2.57%	-0.15%	2.72% (Oct 2025)	2.24% (Jan 2025)	18.52 k	-0.49 k	Large Cap	34.03
Titan Company Ltd.	Gems, jewellery and watches	2.46	114.7	2.46%	0.06%	2.46% (Nov 2025)	1.99% (Mar 2025)	29.35 k	-0.77 k	Large Cap	34.03
Axis Bank Ltd.	Private sector bank	18.14	109.8	2.35%	0.04%	2.35% (Nov 2025)	1.83% (Jan 2025)	85.77 k	-2.26 k	Large Cap	34.03
KSB Ltd.	Compressors, pumps & diesel engines	2.64	107.8	2.31%	-0.11%	2.6% (Sep 2025)	2% (Feb 2025)	1.40 L	-3.69 k	Other	20.35
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	2.27	105.7	2.27%	0.01%	2.27% (Nov 2025)	1.69% (Dec 2024)	50.31 k	-1.32 k	Large Cap	34.03
SRF Ltd.	Specialty chemicals	5.26	103	2.21%	-0.04%	2.38% (Jun 2025)	1.67% (Dec 2024)	35.19 k	-0.93 k	Mid Cap	12.36
Tata Consultancy Services Ltd.	Computers - software & consulting	7.15	102.7	2.20%	0.02%	2.92% (Jan 2025)	2.13% (Sep 2025)	32.72 k	-0.86 k	Large Cap	34.03
Avenue Supermarts Ltd.	Diversified retail	1.97	92.1	1.97%	-0.12%	2.43% (Aug 2025)	1.74% (Dec 2024)	23.03 k	-0.61 k	Large Cap	34.03
Vinati Organics Ltd.	Specialty chemicals	5.26	85.3	1.83%	-0.12%	2.23% (Jun 2025)	1% (Feb 2025)	54.02 k	-1.42 k	Other	20.35
Manorama Industries Ltd.	Other food products	1.74	81.4	1.74%	-0.17%	2.08% (Jul 2025)	0% (Dec 2024)	62.83 k	-1.65 k	Other	20.35
Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	1.66	77.6	1.66%	-0.06%	1.76% (Sep 2025)	1.12% (Dec 2024)	4.88 k	-0.13 k	Large Cap	34.03
Reliance Industries Ltd.	Refineries & marketing	1.63	76	1.63%	0.06%	1.63% (Nov 2025)	1.25% (Dec 2024)	48.46 k	-1.28 k	Large Cap	34.03
Garware Hi-Tech Films Ltd.	Plastic products - industrial	1.59	74.2	1.59%	0.18%	1.72% (May 2025)	0% (Dec 2024)	18.89 k	-0.50 k	Small Cap	9.6
Alkem Laboratories Ltd.	Pharmaceuticals	4.49	70.6	1.51%	0.02%	1.52% (Sep 2025)	1.09% (Feb 2025)	12.42 k	-0.33 k	Mid Cap	12.36
Bajaj Finserv Ltd	Holding company	1.51	70.3	1.51%	-0.02%	1.53% (Oct 2025)	1.12% (Dec 2024)	33.55 k	-0.88 k	Other	20.35
Tata Consumer Products Ltd.	Tea & coffee	1.42	66.1	1.42%	-0.01%	1.43% (Oct 2025)	1.09% (Dec 2024)	56.38 k	-1.48 k	Mid Cap	12.36
Kotak Mahindra Bank Ltd.	Private sector bank	18.14	65.2	1.40%	-0.01%	1.48% (Apr 2025)	1.16% (Dec 2024)	30.69 k	-0.81 k	Large Cap	34.03
Techno Electric & Engineering Co. Ltd.	Civil construction	1.32	61.7	1.32%	-0.15%	1.72% (Aug 2025)	0% (Dec 2024)	51.20 k	-1.35 k	Small Cap	9.6
Navin Flourine International Ltd.	Commodity chemicals	1.3	60.9	1.30%	-0.02%	1.32% (Oct 2025)	0.73% (Dec 2024)	10.61 k	-0.28 k	Small Cap	9.6
State Bank Of India	Public sector bank	1.27	59.5	1.27%	0.03%	1.27% (Nov 2025)	0.97% (Feb 2025)	60.74 k	-1.60 k	Large Cap	34.03
- Pidilite Industries Ltd.	Specialty chemicals	5.26	56.7	1.22%	0.00%	1.3% (Aug 2025)	0.79% (Feb 2025)	38.60 k	-1.02 k	Large Cap	34.03
Godfrey Phillips India Ltd.	Cigarettes & tobacco products	1.21	56.6	1.21%	-0.11%	1.6% (Aug 2025)	0% (Dec 2024)	19.71 k	-0.52 k	Small Cap	9.6
Coforge Ltd.	Computers - software & consulting	7.15	55.2	1.18%	0.06%	1.19% (Dec 2024)	0.92% (Apr 2025)	28.93 k	-0.76 k	Other	20.35
Hindustan Unilever Ltd.	Diversified fmcg	1.11	51.9	1.11%	-0.02%	1.24% (Aug 2025)	1.01% (Jun 2025)	21.02 k	-0.55 k	Large Cap	34.03
Transport Corporation Of India Ltd.	Logistics solution provider	1.11	51.8	1.11%	-0.13%	1.26% (Sep 2025)	0.56% (Feb 2025)	47.43 k	-1.25 k	Small Cap	9.6
Carborundum Universal Ltd.	Abrasives & bearings	1.31	47.6	1.02%	-0.07%	1.51% (Dec 2024)	1.02% (Nov 2025)	55.51 k	-1.46 k	Small Cap	9.6
SBI Cards and Payment Services Ltd.	Non banking financial company (nbfc)	3.8	45.2	0.97%	-0.02%	1.02% (Jun 2025)	0.46% (Dec 2024)	51.36 k	-1.35 k	Other	20.35
Federal Bank Ltd.	Private sector bank	18.14	43.5	0.93%	0.06%	0.93% (Nov 2025)	0.68% (Jan 2025)	1.69 L	-4.44 k	Mid Cap	12.36
CreditAccess Grameen Ltd.	Microfinance institutions	0.9	42.2	0.90%	-0.08%	0.98% (Oct 2025)	0.59% (Dec 2024)	31.54 k	-0.83 k	Small Cap	9.6
Bikaji Foods International Ltd.	Packaged foods	0.83	38.9	0.83%	-0.03%	0.95% (Aug 2025)	0% (Dec 2024)	54.21 k	-1.43 k	Other	20.35
Arvind Fashions Ltd.	Speciality retail	3.92	36.3	0.78%	-0.01%	0.87% (Jul 2025)	0% (Dec 2024)	72.05 k	-1.90 k	Other	20.35
Artemis Medicare Services Ltd.	Hospital	0.53	24.8	0.53%	0.06%	0.53% (Nov 2025)	0% (Dec 2024)	86.88 k	-2.29 k	Other	20.35
Torrent Pharmaceuticals Ltd.	Pharmaceuticals	4.49	19.2	0.41%	0.01%	0.42% (Jul 2025)	0% (Dec 2024)	5.16 k	-0.14 k	Mid Cap	12.36
SKF India (Industrial) Ltd.	Auto components & equipments	0.38	17.9	0.38%	-0.04%	0.42% (Oct 2025)	0% (Dec 2024)	7.35 k	0.00	Other	20.35
Shakti Pumps (India) Ltd.	Compressors, pumps & diesel engines	2.64	15.6	0.33%	-0.08%	0.5% (Mar 2025)	0% (Dec 2024)	22.88 k	-0.60 k	Small Cap	9.6
SKF India Ltd.	Abrasives & bearings	1.31	13.5	0.29%	-0.04%	0.75% (Jul 2025)	0.29% (Nov 2025)	7.07 k	-0.19 k	Small Cap	9.6
Bajaj Electricals Ltd.	Household appliances	0.27	12.5	0.27%	-0.02%	0.76% (Dec 2024)	0.27% (Nov 2025)	25.88 k	-0.68 k	Small Cap	9.6
Schneider Electric Infrastructure Ltd.	Heavy electrical equipment	0.26	12	0.26%	-0.05%	0.37% (Jul 2025)	0% (Dec 2024)	16.79 k	-0.44 k	Small Cap	9.6
Bharat Bijlee Ltd.	Other electrical equipment	0.15	7	0.15%	-0.01%	0.25% (Aug 2025)	0% (Dec 2024)	2.41 k	-63.00	Other	20.35
Bond - National Bank for Agriculture & Rural Development	Financial institution		51.4	0.00%	-1.09%	-	-	-	-	Other	20.35

- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
No new entrants in the portfolio in the last month.

Stocks removed from Portfolio (in 1 month period ending 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Bond - National Bank for Agriculture & Rural Development	Financial institution	51.4	0.00%	-1.09%	0% (Dec 2025)	0% (Dec 2025)	0.00	-50

Trend in stock holdings (Top 15 Holding)

Stock	Nov 2025	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024
ICICI Bank Ltd.	8.15%	8.04%	8.31%	8.48%	8.83%	8.27%	8.34%	8.51%	8.17%	7.61%	7.43%	7.44%	7.42%
HDFC Bank Ltd.	5.31%	5.30%	5.27%	5.19%	5.41%	5.14%	5.04%	5.16%	4.98%	4.92%	4.53%	4.63%	4.60%
Trent Limited	3.14%	3.54%	3.63%	4.05%	3.77%	4.48%	4.10%	3.89%	4.07%	4.32%	4.82%	5.84%	5.47%
Infosys Ltd.	3.77%	3.65%	3.66%	3.67%	3.70%	3.77%	3.71%	3.68%	3.91%	4.95%	5.18%	5.06%	4.92%
Pitti Engineering Ltd.	-	-	-	-	-	-	-	-	-	2.64%	3.20%	3.59%	3.89%
Swan Energy Ltd.	-	-	-	-	-	-	-	-	-	-	-	-	2.64%
Divis Laboratories Ltd.	2.57%	2.72%	2.37%	2.52%	2.66%	2.63%	2.58%	2.45%	2.37%	2.34%	2.24%	2.40%	2.38%
Tata Consultancy Services Ltd.	2.20%	2.18%	2.13%	2.24%	2.16%	2.37%	2.39%	2.46%	2.61%	2.63%	2.92%	2.84%	2.91%
Bajaj Finance Ltd.	2.83%	2.90%	2.86%	2.48%	2.44%	2.49%	2.46%	2.39%	2.52%	2.51%	2.18%	1.84%	1.74%
KSB Ltd.	2.31%	2.42%	2.60%	2.57%	2.56%	2.40%	2.50%	2.24%	2.22%	2.00%	2.14%	2.29%	2.43%
Bharat Electronics Ltd.	2.74%	2.89%	2.82%	2.54%	2.59%	2.73%	2.51%	2.12%	2.07%	1.76%	1.97%	1.93%	1.99%
Titan Company Ltd.	2.46%	2.40%	2.22%	2.36%	2.14%	2.26%	2.20%	2.16%	1.99%	2.08%	2.22%	2.03%	1.99%
SRF Ltd.	2.21%	2.25%	2.24%	2.21%	2.33%	2.38%	2.12%	2.31%	2.29%	2.27%	2.14%	1.67%	1.66%
Axis Bank Ltd.	2.35%	2.31%	2.18%	1.99%	2.00%	2.15%	2.16%	2.21%	2.09%	2.01%	1.83%	1.94%	2.03%
Avenue Supermarts Ltd.	1.97%	2.09%	2.32%	2.43%	2.14%	2.10%	1.94%	2.11%	2.08%	1.81%	1.83%	1.74%	1.78%

No of Debt Holding 9 (Category Avg - 0.00) | Modified Duration 0.00 Years (Category Avg - - --)| Yield to Maturity - -- (Category Avg - 0.00%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	15.52%	0.00%
NCD & Bonds	4.70%	0.00%

Category - Investment cum Insurance

Security Type	% Weight	Category Average
Government Backed	15.52%	0.00%
Low Risk	4.70%	0.00%
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 - Investment cum Insurance

Debt holding in Portfolio (as on 30th Nov,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			263.01	5.64%	25.00 L
Bond - Govt of India	GOI	Other			162.58	3.48%	15.00 L
Bond - Govt of India	GOI	Other			158.36	3.39%	15.00 L
Bond - Govt of India	GOI	Other			104.44	2.24%	10.00 L
Bond - Jamnagar Utilities & Power Pvt. Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	101.52	2.18%	1.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	53.51	1.15%	50.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	53.33	1.14%	500.00
Bond - Govt of India	GOI	Other			35.79	0.77%	3.50 L
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	AAA	CRISIL	10.50	0.23%	10.00