LIC MF Unit Linked Insurance Scheme - Direct Plan

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.

Portfolio Turnover Ratio : 11.00%. Category average turnover ratio is 0.00%. Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)

Equity Holding : 77.82% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 77.82%

No of Stocks : 45 (Category Avg - 0.00) | Large Cap Investments : 33.94%| Mid Cap Investments : 12.87% | Small Cap Investments : 10.17% | Other : 20.82%

Portfolio Summary (as on 31st Oct,2025)

Particulars	This Scheme	Category
No. of Stocks	45	0
Top 5 Stock Weight	23.43%	0%
Top 10 Stock Weight	36.17%	0%
Top 3 Sector Weight	30.3%	0%

Category - Investment cum Insurance

Particulars	This Scheme	Category
Average mcap (Cr)	95500.41	0
Holdings in large cap stocks	33.94%	0%
Holdings in mid cap stocks	12.87%	0%
Holdings in small cap stocks	10.17%	0%

Category - Investment cum Insurance

Top 10 Stocks holding in Portfolio (as on 31st Oct,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	378	8.04%	-0.27%	8.83% (Jul 2025)	7.42% (Nov 2024)	2.81 L	-3.60 k
HDFC Bank Ltd.	Private sector bank	249.3	5.30%	0.04%	5.41% (Jul 2025)	4.53% (Jan 2025)	2.52 L	-3.23 k
Infosys Ltd.	Computers - software & consulting	171.4	3.65%	-0.01%	5.18% (Jan 2025)	3.65% (Oct 2025)	1.16 L	-1.48 k
Trent Limited	Speciality retail	166.3	3.54%	-0.10%	5.84% (Dec 2024)	3.54% (Oct 2025)	35.42 k	-0.45 k
Bajaj Finance Ltd.	Non banking financial company (nbfc)	136.2	2.90%	0.04%	2.9% (Oct 2025)	1.74% (Nov 2024)	1.31 L	-1.67 k
Bharat Electronics Ltd.	Aerospace & defense	135.6	2.89%	0.07%	2.89% (Oct 2025)	1.76% (Feb 2025)	3.18 L	-4.08 k
Divis Laboratories Ltd.	Pharmaceuticals	128.1	2.72%	0.35%	2.72% (Oct 2025)	2.24% (Jan 2025)	19.01 k	-0.24 k
KSB Ltd.	Compressors, pumps & diesel engines	113.9	2.42%	-0.17%	2.6% (Sep 2025)	2% (Feb 2025)	1.44 L	-1.85 k
Titan Company Ltd.	Gems, jewellery and watches	112.9	2.40%	0.18%	2.4% (Oct 2025)	1.99% (Nov 2024)	30.12 k	-0.39 k
Axis Bank Ltd.	Private sector bank	108.5	2.31%	0.12%	2.31% (Oct 2025)	1.83% (Jan 2025)	88.03 k	-1.13 k

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

View complete holding

Complete equity Portfolio (as on 31st Oct,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	17.93	378	8.04%	-0.27%	8.83% (Jul 2025)	7.42% (Nov 2024)	2.81 L	-3.60 k	Large Cap	33.94
HDFC Bank Ltd.	Private sector bank	17.93	249.3	5.30%	0.04%	5.41% (Jul 2025)	4.53% (Jan 2025)	2.52 L	-3.23 k	Other	20.82
Infosys Ltd.	Computers - software & consulting	6.95	171.4	3.65%	-0.01%	5.18% (Jan 2025)	3.65% (Oct 2025)	1.16 L	-1.48 k	Large Cap	33.94
Trent Limited	Speciality retail	4.33	166.3	3.54%	-0.10%	5.84% (Dec 2024)	3.54% (Oct 2025)	35.42 k	-0.45 k	Mid Cap	12.87
Bajaj Finance Ltd.	Non banking financial company (nbfc)	3.89	136.2	2.90%	0.04%	2.9% (Oct 2025)	1.74% (Nov 2024)	1.31 L	-1.67 k	Other	20.82
Bharat Electronics Ltd.	Aerospace & defense	2.89	135.6	2.89%	0.07%	2.89% (Oct 2025)	1.76% (Feb 2025)	3.18 L	-4.08 k	Mid Cap	12.87
Divis Laboratories Ltd.	Pharmaceuticals	4.61	128.1	2.72%	0.35%	2.72% (Oct 2025)	2.24% (Jan 2025)	19.01 k	-0.24 k	Large Cap	33.94
KSB Ltd.	Compressors, pumps & diesel engines	2.83	113.9	2.42%	-0.17%	2.6% (Sep 2025)	2% (Feb 2025)	1.44 L	-1.85 k	Other	20.82
Titan Company Ltd.	Gems, jewellery and watches	2.4	112.9	2.40%	0.18%	2.4% (Oct 2025)	1.99% (Nov 2024)	30.12 k	-0.39 k	Large Cap	33.94
Axis Bank Ltd.	Private sector bank	17.93	108.5	2.31%	0.12%	2.31% (Oct 2025)	1.83% (Jan 2025)	88.03 k	-1.13 k	Large Cap	33.94
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	2.26	106.1	2.26%	0.13%	2.26% (Oct 2025)	1.69% (Dec 2024)	51.63 k	-0.66 k	Large Cap	33.94
SRF Ltd.	Specialty chemicals	5.42	105.9	2.25%	0.02%	2.38% (Jun 2025)	1.66% (Nov 2024)	36.12 k	-0.46 k	Mid Cap	12.87
Tata Consultancy Services Ltd.	Computers - software & consulting	6.95	102.7	2.18%	0.06%	2.92% (Jan 2025)	2.13% (Sep 2025)	33.59 k	-0.43 k	Large Cap	33.94
Avenue Supermarts Ltd.	Diversified retail	2.09	98.2	2.09%	-0.23%	2.43% (Aug 2025)	1.74% (Dec 2024)	23.64 k	-0.30 k	Large Cap	33.94
Vinati Organics Ltd.	Specialty chemicals	5.42	91.6	1.95%	-0.16%	2.23% (Jun 2025)	1% (Feb 2025)	55.44 k	-0.71 k	Other	20.82
Manorama Industries Ltd.	Other food products	1.91	89.7	1.91%	-0.06%	2.08% (Jul 2025)	0% (Nov 2024)	64.48 k	-0.83 k	Other	20.82
Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	1.72	81.1	1.72%	-0.04%	1.76% (Sep 2025)	1.12% (Dec 2024)	5.01 k	-64.00	Large Cap	33.94
Reliance Industries Ltd.	Refineries & marketing	1.57	73.9	1.57%	0.08%	1.57% (Oct 2025)	1.25% (Dec 2024)	49.74 k	-0.64 k	Large Cap	33.94
Bajaj Finserv Ltd	Holding company	1.53	71.9	1.53%	0.01%	1.53% (Oct 2025)	1.1% (Nov 2024)	34.43 k	-0.44 k	Other	20.82
Alkem Laboratories Ltd.	Pharmaceuticals	4.61	70.2	1.49%	-0.02%	1.52% (Sep 2025)	1.09% (Feb 2025)	12.75 k	-0.16 k	Mid Cap	12.87
Techno Electric & Engineering Co. Ltd.	Civil construction	1.47	69.3	1.47%	-0.06%	1.72% (Aug 2025)	0% (Nov 2024)	52.55 k	-0.67 k	Small Cap	10.17
- Tata Consumer Products Ltd.	Tea & coffee	1.43	67.4	1.43%	0.00%	1.43% (Oct 2025)	1.09% (Dec 2024)	57.87 k	-0.74 k	Mid Cap	12.87
Kotak Mahindra Bank Ltd.	Private sector bank	17.93	66.2	1.41%	0.03%	1.48% (Apr 2025)	1.13% (Nov 2024)	31.50 k	-0.40 k	Large Cap	33.94
Garware Hi-Tech Films Ltd.	Plastic products - industrial	1.41	66.1	1.41%	0.16%	1.72% (May 2025)	0% (Nov 2024)	19.39 k	-0.25 k	Small Cap	10.17
Godfrey Phillips India Ltd.	Cigarettes & tobacco products	1.32	62.3	1.32%	-0.18%	1.6% (Aug 2025)	0% (Nov 2024)	20.23 k	-0.26 k	Small Cap	10.17
Navin Flourine International Ltd.	Commodity chemicals	1.32	62	1.32%	0.21%	1.32% (Oct 2025)	0.73% (Dec 2024)	10.89 k	-0.14 k	Small Cap	10.17
Transport Corporation Of India Ltd.	Logistics solution provider	1.24	58.4	1.24%	-0.02%	1.26% (Sep 2025)	0.56% (Feb 2025)	48.67 k	-0.62 k	Small Cap	10.17
State Bank Of India	Public sector bank	1.24	58.4	1.24%	0.05%	1.24% (Oct 2025)	0.97% (Feb 2025)	62.34 k	-0.80 k	Large Cap	33.94
Pidilite Industries Ltd.	Specialty chemicals	5.42	57.2	1.22%	-0.06%	1.3% (Aug 2025)	0.79% (Feb 2025)	39.62 k	-0.51 k	Large Cap	33.94
Hindustan Unilever Ltd.	Diversified fmcg	1.13	53.2	1.13%	-0.06%	1.24% (Aug 2025)	1.01% (Jun 2025)	21.58 k	-0.28 k	Large Cap	33.94
Coforge Ltd.	Computers - software & consulting	6.95	52.8	1.12%	0.09%	1.19% (Dec 2024)	0.92% (Apr 2025)	29.69 k	-0.38 k	Other	20.82
Carborundum Universal Ltd.	Abrasives & bearings	1.42	51.3	1.09%	-0.06%	1.69% (Nov 2024)	1.07% (Feb 2025)	56.97 k	-0.73 k	Small Cap	10.17
SBI Cards and Payment Services Ltd.	Non banking financial company (nbfc)	3.89	46.3	0.99%	-0.03%	1.02% (Jun 2025)	0.46% (Dec 2024)	52.71 k	-0.68 k	Other	20.82
CreditAccess Grameen Ltd.	Microfinance institutions	0.98	46.1	0.98%	0.02%	0.98% (Oct 2025)	0.59% (Nov 2024)	32.37 k	-0.41 k	Small Cap	10.17
Federal Bank Ltd.	Private sector bank	17.93	40.9	0.87%	0.14%	0.87% (Oct 2025)	0.68% (Jan 2025)	1.73 L	-2.22 k	Mid Cap	12.87
Bikaji Foods International Ltd.	Packaged foods	0.86	40.7	0.86%	-0.04%	0.95% (Aug 2025)	0% (Nov 2024)	55.64 k	-0.71 k	Other	20.82
Arvind Fashions Ltd.	Speciality retail	4.33	37.2	0.79%	-0.07%	0.87% (Jul 2025)	0% (Nov 2024)	73.94 k	-0.95 k	Other	20.82
Artemis Medicare Services Ltd.	Hospital	0.47	22.1	0.47%	0.01%	0.53% (Mar 2025)	0% (Nov 2024)	89.16 k	-1.14 k	Other	20.82
# SKF India (Industrial) Ltd.	Auto components & equipments	0.42	19.9	0.42%	0.42%	0.42% (Oct 2025)	0% (Nov 2024)	7.35 k	7.35 k	Other	20.82
Shakti Pumps (India) Ltd.	Compressors, pumps & diesel engines	2.83	19.2	0.41%	-0.01%	0.5% (Mar 2025)	0% (Nov 2024)	23.48 k	-0.30 k	Small Cap	10.17
Torrent Pharmaceuticals Ltd.	Pharmaceuticals	4.61	18.9	0.40%	-0.02%	0.42% (Jul 2025)	0% (Nov 2024)	5.30 k	-67.00	Mid Cap	12.87
SKF India Ltd.	Abrasives & bearings	1.42	15.5	0.33%	-0.42%	0.75% (Jul 2025)	0.33% (Oct 2025)	7.25 k	-92.00	Small Cap	10.17
- Schneider Electric Infrastructure Ltd.	Heavy electrical equipment	0.31	14.4	0.31%	0.00%	0.37% (Jul 2025)	0% (Nov 2024)	17.23 k	-0.22 k	Small Cap	10.17
Bajaj Electricals Ltd.	Household appliances	0.29	13.6	0.29%	-0.03%	0.76% (Dec 2024)	0.29% (Oct 2025)	26.56 k	-0.34 k	Small Cap	10.17
Bharat Bijlee Ltd.	Other electrical equipment	0.16	7.5	0.16%	-0.01%	0.25% (Aug 2025)	0% (Nov 2024)	2.47 k	-31.00	Other	20.82

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

New Stocks added in Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# SKF India (Industrial) Ltd.	Auto components & equipments	19.9	0.42%	0.42%	0.42% (Oct 2025)	0% (Nov 2024)	7.35 k	7346

Stocks removed from Portfolio (in 1 month period ending 31st Oct,2025)

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

Trend in stock holdings (Top 15 Holding)

Stock	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024
ICICI Bank Ltd.	8.04%	8.31%	8.48%	8.83%	8.27%	8.34%	8.51%	8.17%	7.61%	7.43%	7.44%	7.42%	7.52%
HDFC Bank Ltd.	5.30%	5.27%	5.19%	5.41%	5.14%	5.04%	5.16%	4.98%	4.92%	4.53%	4.63%	4.60%	4.54%
Trent Limited	3.54%	3.63%	4.05%	3.77%	4.48%	4.10%	3.89%	4.07%	4.32%	4.82%	5.84%	5.47%	5.85%
Infosys Ltd.	3.65%	3.66%	3.67%	3.70%	3.77%	3.71%	3.68%	3.91%	4.95%	5.18%	5.06%	4.92%	4.74%
Pitti Engineering Ltd.	-	-	-	-	-	-	-	-	2.64%	3.20%	3.59%	3.89%	3.57%
Tata Consultancy Services Ltd.	2.18%	2.13%	2.24%	2.16%	2.37%	2.39%	2.46%	2.61%	2.63%	2.92%	2.84%	2.91%	2.76%
Divis Laboratories Ltd.	2.72%	2.37%	2.52%	2.66%	2.63%	2.58%	2.45%	2.37%	2.34%	2.24%	2.40%	2.38%	2.32%
Swan Energy Ltd.	-	-	-	-	-	-	-	-	-	-	-	2.64%	2.20%
KSB Ltd.	2.42%	2.60%	2.57%	2.56%	2.40%	2.50%	2.24%	2.22%	2.00%	2.14%	2.29%	2.43%	2.39%
Bajaj Finance Ltd.	2.90%	2.86%	2.48%	2.44%	2.49%	2.46%	2.39%	2.52%	2.51%	2.18%	1.84%	1.74%	1.86%
Bharat Electronics Ltd.	2.89%	2.82%	2.54%	2.59%	2.73%	2.51%	2.12%	2.07%	1.76%	1.97%	1.93%	1.99%	1.88%
Titan Company Ltd.	2.40%	2.22%	2.36%	2.14%	2.26%	2.20%	2.16%	1.99%	2.08%	2.22%	2.03%	1.99%	2.04%
SRF Ltd.	2.25%	2.24%	2.21%	2.33%	2.38%	2.12%	2.31%	2.29%	2.27%	2.14%	1.67%	1.66%	1.68%
Axis Bank Ltd.	2.31%	2.18%	1.99%	2.00%	2.15%	2.16%	2.21%	2.09%	2.01%	1.83%	1.94%	2.03%	2.11%
Avenue Supermarts Ltd.	2.09%	2.32%	2.43%	2.14%	2.10%	1.94%	2.11%	2.08%	1.81%	1.83%	1.74%	1.78%	1.92%

No of Debt Holding 10 (Category Avg - 0.00) | Modified Duration 0.00 Years (Category Avg - - --)| Yield to Maturity - -- (Category Avg - 0.00%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	15.32%	0.00%
NCD & Bonds	5.71%	0.00%

Category - Investment cum Insurance

Security Type	% Weight	Category Average
Government Backed	15.32%	0.00%
Low Risk	5.71%	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 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			261.43	5.56%	25.00 L
Bond - Govt of India	GOI	Other			160.57	3.42%	15.00 L
Bond - Govt of India	GOI	Other			157.60	3.35%	15.00 L
Bond - Govt of India	GOI	Other			103.67	2.21%	10.00 L
Bond - Jamnagar Utilities & Power Pvt. Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	100.61	2.14%	1.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	53.18	1.13%	50.00
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	53.03	1.13%	500.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	51.43	1.09%	50.00
Bond - Govt of India	GOI	Other			36.79	0.78%	3.50 L
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	AAA	CRISIL	10.46	0.22%	10.00