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.

Category : Investment cum Insurance

Fund House : LIC Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 41.0576 0.32%
(as on 19th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 470.06 Cr

(4.42% of Investment in Category)

Expense Ratio

: 1.39%

(1.33% Category average)

Risk-O-Meter

Moderately High Risk

Investment cum Insurance :Investment cum Insurance : The fund has 77.82% investment in domestic equities of which 33.94% is in Large Cap stocks, 12.87% is in Mid Cap stocks, 10.17% in Small Cap stocks.The fund has 21.03% investment in Debt, of which 15.32% in Government securities, 5.71% is in Low Risk securities.

1M
3M
6M
1Y
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5Y
ALL

This Scheme

VS

CRISIL Hybrid 35+65 - Aggressive Index

1.13%

3.42%

3.97%

9.48%

14.49%

14.14%

17.45%
NA
-0.17%

1.6%

1.87%

7.57%

10.63%

9.55%

8.98%

NA
Gold

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VIP (Value Avg)

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Returns (NAV as on 19th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	12-Nov-25	10013.60	0.14%	-	-0.00%	-/-
1 Month	17-Oct-25	9906.80	-0.93%	-	-0.17%	-/-
3 Month	19-Aug-25	10102.00	1.02%	-	1.60%	-/-
6 Month	19-May-25	10027.70	0.28%	-	1.87%	-/-
YTD	01-Jan-25	10439.40	4.39%	-	5.90%	-/-
1 Year	19-Nov-24	10680.90	6.81%	6.81%	7.57%	-/-
2 Year	17-Nov-23	12477.00	24.77%	11.65%	10.63%	-/-
3 Year	18-Nov-22	13827.20	38.27%	11.38%	9.70%	-/-
5 Year	19-Nov-20	19280.60	92.81%	14.02%	9.55%	-/-
10 Year	19-Nov-15	29010.80	190.11%	11.23%	8.46%	-/-
Since Inception	01-Mar-13	40884.70	308.85%	11.70%	8.98%	-/-

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 19th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	19-Nov-24	12000	12379.93	3.17 %	5.89 %
2 Year	17-Nov-23	24000	25832.73	7.64 %	7.23 %
3 Year	18-Nov-22	36000	42111.29	16.98 %	10.43 %
5 Year	19-Nov-20	60000	79236.77	32.06 %	11.05 %
10 Year	19-Nov-15	120000	223161.82	85.97 %	11.92 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Oct,2025)

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%

Top 10 Stocks in Portfolio

How to read this table?

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.

Detailed Portfolio Analysis

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

Type of Holdings

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

Investment / Portfolio Grades

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%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.32%
Net Receivables	Net Receivables	-0.18%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 01st January, 1970)

No data available. Ratios are only available for the funds which are 3 years old.

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
UTI Unit Linked Insurance Plan (ULIP) - Direct Plan	NA	5323.30	-0.14	1.67	2.04	7.92	10.08
UTI Unit Linked Insurance Plan (ULIP)	NA	5323.30	-0.19	1.52	1.71	7.22	9.32

Detailed Comparison

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Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
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LIC MF Unit Linked Insurance Scheme - Direct Plan

Returns (NAV as on 19th November, 2025)

SIP Returns (NAV as on 19th November, 2025)

Tax Treatment

Portfolio (Updated on 31st Oct,2025)

Risk Ratios

Alternative Funds (Category Peers)

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