LIC MF Debt Hybrid 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.

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

: ₹ 63.2632 -0.21%
(as on 12th May, 2021)

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Crisil Rank

Very good performance among peers

Fund Size

: ₹ 80.05 Cr

(0.61% of Investment in Category)

Expense Ratio

: 2.27%

(1.99% Category average)

Risk-O-Meter

Moderate

Conservative Hybrid Fund :Conservative Hybrid Fund : Fund has 21.61% investment in indian stocks of which 16.41% is in large cap stocks, 3.23% is in mid cap stocks.Fund has 76.47% investment in Debt of which 76.39% in Government securities, 0.08% in funds invested in very low risk securities..

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This Scheme

VS

Nifty 50

0.96%

1.46%

4.21%

14.48%

12.3%

9.91%

9.49%
NA
1.12%

0.78%

4.38%

15.26%

8.8%

7.78%

7.95%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Annualised Returns

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Returns (NAV as on 12th May, 2021)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	05-May-21	9984.50	-0.15%	-	0.04%	26/26
1 Month	12-Apr-21	9985.40	-0.15%	-	1.12%	26/26
3 Month	12-Feb-21	9946.40	-0.54%	-	0.78%	23/25
6 Month	12-Nov-20	10278.00	2.78%	-	4.38%	24/25
YTD	01-Jan-21	10007.40	0.07%	-	1.40%	23/25
1 Year	12-May-20	11040.10	10.40%	10.40%	15.26%	24/25
2 Year	10-May-19	11711.10	17.11%	8.18%	8.80%	16/24
3 Year	11-May-18	12221.60	22.22%	6.90%	7.00%	14/24
5 Year	12-May-16	13960.40	39.60%	6.90%	7.78%	19/24
10 Year	12-May-11	19381.20	93.81%	6.84%	8.53%	21/23
Since Inception	02-Jun-03	37823.00	278.23%	7.69%	7.95%	19/26

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 12th May, 2021)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	12-May-20	12000	12409.78	3.41 %	6.41 %
2 Year	10-May-19	24000	25891.31	7.88 %	7.48 %
3 Year	11-May-18	36000	40365.11	12.13 %	7.58 %
5 Year	12-May-16	60000	70997.46	18.33 %	6.67 %
10 Year	12-May-11	120000	171749.36	43.12 %	6.97 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Portfolio (Updated on 30th Apr,2021)

Equity Holding : 21.61% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 21.61%

No of Stocks : 15 (Category Avg - 29.96) | Large Cap Investments : 16.41%| Mid Cap Investments : 3.23% | Small Cap Investments : 0% | Other : 1.97%

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
Infosys Ltd.	Computers - software	40.6	5.08%	-0.04%	5.12% (Mar 2021)	3.28% (May 2020)	30.00 k
ICICI Bank Ltd.	Banks	27.7	3.45%	0.10%	4.03% (Jan 2021)	2.74% (Sep 2020)	46.05 k
Larsen & Toubro Infotech Ltd.	Computers - software	15.9	1.98%	-0.09%	2.79% (Jan 2021)	1.52% (May 2020)	4.08 k
Hindustan Unilever Ltd.	Diversified	13.8	1.73%	-0.05%	1.81% (Apr 2021)	1.52% (Oct 2020)	5.87 k
Nestle India Ltd.	Consumer food	12.6	1.57%	-0.08%	1.73% (May 2020)	1.5% (Oct 2020)	771.00
HDFC Bank Ltd.	Banks	11.3	1.41%	-0.08%	1.6% (Feb 2021)	1.09% (Sep 2020)	8.00 k
- Reliance Industries Ltd.	Refineries/marketing	10	1.25%	0.00%	1.58% (Jul 2020)	1.15% (Jan 2021)	5.00 k
Tech Mahindra Ltd.	Software -telecom	9.6	1.20%	-0.04%	1.27% (Mar 2021)	0.84% (May 2020)	10.00 k
Mahindra & Mahindra Ltd.	Passenger/utility vehicles	7.4	0.93%	-0.05%	1.11% (Feb 2021)	0.68% (May 2020)	9.85 k
Sanofi India Ltd.	Pharmaceuticals	6.9	0.87%	-0.03%	1.13% (Jun 2020)	0.87% (Apr 2021)	918.00

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

Detailed Portfolio Analysis

No of Debt Holding 6 (Category Avg - 20.13) | Modified Duration 1.47 Years (Category Avg - 2.39)| Yield to Maturity 4.04% (Category Avg - 5.28%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	37.80%	23.17%
CD	0.00%	0.89%
T-Bills	38.59%	2.86%
CP	0.00%	1.34%
NCD & Bonds	0.08%	31.32%
PTC	0.00%	1.05%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	76.39%	26.03%
Low Risk	0.08%	27.94%
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	2.05%
Net Receivables	Net Receivables	-0.14%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th April, 2021)

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

4.44vs4.55

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.

High volatility

0.9vs0.8

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.

Better risk adjusted returns

0.75vs0.54

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. 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 beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.04vs0.05

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.

Better risk adjusted returns

-2.58vs-2.6

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Aditya Birla Sun Life Regular Savings Fund- Regular Plan - Growth	3	1200.49	0.62	0.98	10.76	27.70	6.40
HDFC Hybrid Debt Fund - Growth	2	2430.69	2.51	2.59	9.68	23.80	8.33
SBI Debt Hybrid Fund - Regular Plan - Growth	3	1358.37	1.78	1.24	8.02	23.19	8.39
Kotak Debt Hybrid - Growth	4	498.67	1.95	1.56	8.98	22.55	9.95
UTI Regular Savings Fund - Growth	3	1627.47	0.68	0.40	5.81	21.49	5.55
Axis Regular Saver Fund - Growth	3	231.68	1.31	0.97	5.47	17.91	6.60
DSP Regular Savings Fund - Regular Plan - Growth	2	187.09	0.97	1.95	5.88	17.82	4.63
Canara Robeco Conservative Hybrid Fund - Regular Plan - Growth	5	524.38	1.35	1.08	5.54	17.78	10.06
ICICI Prudential Regular Savings Fund - Growth	3	3204.81	1.17	0.75	4.87	17.39	8.73
Franklin India Debt Hybrid Fund - Growth	3	188.82	1.28	1.23	5.77	16.56	7.09

Detailed Comparison

More Funds from LIC Mutual Fund

Out of 27 mutual fund schemes offered by this AMC, 3 is/are ranked 5 * , 4 is/are ranked 4 * , 6 is/are ranked 3 * , 6 is/are ranked 2 * , 1 is/are ranked 1 * , and 7 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
LIC MF Liquid Fund - Growth	3	7243.84	0.25	0.78	1.53	3.31	5.54
LIC MF Banking & PSU Debt - Growth	3	2233.54	0.51	1.28	1.27	5.99	8.12
LIC MF Large & Mid Cap Fund - Growth	3	1058.46	1.55	0.88	16.53	53.48	8.99
LIC MF Savings Fund - Growth	5	1005.44	0.38	0.97	2.18	6.63	5.67
LIC MF G-SEC Long Term Exchange Traded Fund - Growth	NA	708.71	0.66	0.92	0.67	4.51	9.67
LIC MF G-SEC Long Term Exchange Traded Fund - Growth	NA	708.71	0.65	1.02	0.99	5.02	10.19
LIC MF Large Cap Fund - Growth	2	506.24	1.38	-3.95	12.34	45.54	10.42
LIC MF ETF - Nifty 50	3	445.31	1.33	-2.97	15.69	58.11	11.99
LIC MF ETF - Nifty 50	3	445.31	1.33	-2.97	15.69	58.11	11.99
LIC MF ETF - Sensex	4	440.86	0.31	-5.44	12.25	53.75	12.33