LIC MF Debt Hybrid Fund - Direct Plan - 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.

Category : Conservative Hybrid Fund

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

: ₹ 56.3577 0.03%
(as on 20th March, 2019)

Crisil Rank

Very good performance among peers

35

100

Fund Size

: ₹ 84.41 Cr

(0.55% of Investment in Category)

Expense Ratio

: 1.64%

(1.18% Category average)

Risk-O-Meter

Moderate

Conservative Hybrid Fund :Conservative Hybrid Fund : Fund has 17.27% investment in indian stocks of which 16.02% is in large cap stocks, 1.25% is in mid cap stocks.Fund has 78.63% investment in Debt of which 39.97% in Government securities, 38.66% in funds invested in very low risk securities..

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This Scheme

VS

Nifty 50

2.16%

1.56%

5.43%

7.95%

7.1%

10.04%

0%
NA
2.76%

2.22%

3.89%

6.22%

6.9%

10.07%

9.32%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 20th March, 2019)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	13-Mar-19	10038.49	0.38%	-	0.47%	12/23
1 Month	20-Feb-19	10171.55	1.72%	-	2.76%	22/23
3 Month	20-Dec-18	10247.94	2.48%	-	2.22%	13/23
6 Month	21-Sep-18	10354.69	3.55%	-	3.89%	19/23
YTD	03-Apr-18	10486.27	4.86%	-	5.50%	16/23
1 Year	20-Mar-18	10543.63	5.44%	5.44%	6.22%	18/23
2 Year	20-Mar-17	11148.00	11.48%	5.58%	6.90%	21/23
3 Year	21-Mar-16	12414.33	24.14%	7.48%	9.10%	22/23
5 Year	20-Mar-14	14412.04	44.12%	7.58%	10.07%	22/22
10 Year	-	-	-	-	-	-/-
Since Inception	09-Jan-13	15934.34	59.34%	7.81%	-	-/-

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 20th Mar,2019)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 year	20-Mar-18	12000	12466.83	3.89 %	7.31 %
2 years	20-Mar-17	24000	25378.38	5.74 %	5.48 %
3 years	20-Mar-16	36000	39325.73	9.24 %	5.83 %
5 years	20-Mar-14	60000	70787.97	17.98 %	6.55 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 3 years from purchase date, long term capital gain tax will be applicable. Current tax rate is the lower of (a) 10% of profit or (b) 20% of profit adjusted after indexation benefits. Any cess/surcharge is not included.|If sold before 3 years from purchase date, short term capital gain tax will be applicable. Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 28th Feb,2019)

Equity Holding : 17.27% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 17.27%

No of Stocks : 14 (Category Avg - 32.65) | Large Cap Investments : 16.02%| Mid Cap Investments : 1.25% | Small Cap Investments : 0% | Other : 0%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Cr)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Infosys Ltd.	Computers - software	26	3.08%	-0.01%	3.09% (Jan 2019)	0% (Mar 2018)	35.39 k	0.00
ICICI Bank Ltd.	Banks	21.4	2.53%	-0.07%	2.8% (Dec 2018)	0% (Mar 2018)	61.05 k	0.00
Tech Mahindra Ltd.	Software -telecom	16.3	1.93%	-0.17%	3.56% (Sep 2018)	0.48% (Mar 2018)	19.62 k	5.00 k
Aurobindo Pharma Ltd.	Pharmaceuticals	11.1	1.32%	-0.12%	1.55% (Nov 2018)	0% (Mar 2018)	15.64 k	0.00
Reliance Industries Ltd.	Refineries/marketing	9.1	1.07%	0.01%	1.4% (Sep 2018)	0% (Mar 2018)	7.37 k	0.00
- Petronet LNG Ltd.	Lpg/cng/png/lng supplier	8.6	1.02%	0.00%	1.1% (Dec 2018)	0% (Mar 2018)	38.50 k	0.00
HDFC Bank Ltd.	Banks	8.5	1.01%	0.02%	1.11% (Dec 2018)	0% (Mar 2018)	4.10 k	0.00
Indusind Bank Ltd.	Banks	8	0.94%	-0.01%	1.47% (Apr 2018)	0% (Mar 2018)	5.40 k	0.00
Divis Laboratories Ltd.	Pharmaceuticals	7.8	0.92%	0.09%	0.92% (Feb 2019)	0.49% (Mar 2018)	4.70 k	0.00
ITC Limited	Cigarettes	7.6	0.90%	0.01%	1.01% (Aug 2018)	0% (Mar 2018)	27.50 k	0.00

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

Detailed Portfolio Analysis

No of Debt Holding 14 (Category Avg - 22.48) | Modified Duration 1.09 Years (Category Avg - 1.97)| Yield to Maturity 7.05% (Category Avg - 8.95%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	2.18%	8.07%
CD	8.28%	1.87%
NCD-ST	0.00%	0.01%
T-Bills	37.79%	1.83%
CP	0.00%	1.16%
NCD & Bonds	30.38%	51.49%
PTC	0.00%	0.97%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	39.97%	9.89%
Low Risk	38.66%	46.22%
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 (%)
CBLO	CBLO	11.91%
Net Receivables	Net Receivables	-7.81%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 28th February, 2019)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

3.41vs4.49

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.73vs0.9

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

-0.06vs0.18

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.59vs-0.98

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	4	1588.96	2.66	2.55	5.41	9.53	11.67
DHFL Pramerica Hybrid Debt Fund - Direct Plan - Growth	NA	20.25	2.27	2.96	4.76	9.12	9.79
Invesco India Regular Savings Fund - Direct Plan - Growth	NA	18.04	2.49	2.83	4.08	8.86	9.09
Canara Robeco Conservative Hybrid Fund - Direct Plan - Growth	3	202.83	2.62	2.51	5.30	8.62	8.87
Reliance Hybrid Bond Fund - Direct Plan - Growth	3	2022.50	1.63	2.52	4.68	8.14	9.44
BNP Paribas Conservative Hybrid Fund - Direct Plan - Growth	5	342.34	2.37	2.33	4.61	7.93	10.33
Essel Regular Savings Fund - Direct Plan - Growth	NA	42.24	2.46	2.34	4.24	7.87	8.88
Baroda Conservative Hybrid Fund - Plan B (Direct) - Growth	NA	19.07	2.12	0.45	6.06	7.53	7.89
UTI Regular Savings Fund - Direct Plan - Growth	3	2502.62	2.44	1.99	2.34	7.14	9.60
Axis Regular Saver Fund - Direct Plan - Growth	4	275.27	2.16	1.92	2.90	6.73	8.51

Detailed Comparison

More Funds from LIC Mutual Fund

Out of 20 mutual fund schemes offered by this AMC, 3 is/are ranked 5 * , 3 is/are ranked 4 * , 5 is/are ranked 3 * , 3 is/are ranked 2 * , and 6 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
LIC MF Liquid Fund - Direct Plan - Growth	3	9184.41	0.54	1.78	3.67	7.55	7.27
LIC MF Savings Fund - Direct Plan - Growth	3	1347.97	0.75	2.19	4.36	8.11	8.12
LIC MF Large & Mid Cap Fund - Direct Plan - Growth	4	408.92	8.07	0.76	-0.22	3.31	19.11
LIC MF Equity Hybrid Fund - Plan C - Direct Plan - Growth	3	335.64	6.30	2.47	2.75	7.76	11.30
LIC MF Bond Fund - Direct Plan - Growth	3	281.21	0.95	1.30	6.10	6.94	7.01
LIC MF Multicap Fund - Direct Plan - Growth	2	262.39	7.04	2.08	0.29	7.27	10.36
LIC MF Large Cap Fund - Direct Plan - Growth	4	258.32	7.69	1.52	2.69	10.07	13.24
LIC MF Banking & PSU Debt - Direct Plan - Growth	5	254.22	0.97	2.61	5.69	8.96	8.11
LIC MF Tax Plan 1997 - Direct Plan - Growth	5	197.67	7.32	0.49	1.17	6.67	15.91
LIC MF Arbitrage Fund - Direct Plan - Growth	NA	184.79	0.33	0.00	0.00	0.00	0.00