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

: ₹ 54.3806 -0.13%
(as on 21st May, 2019)

Crisil Rank

Very good performance among peers

Fund Size

: ₹ 71.87 Cr

(0.47% of Investment in Category)

Expense Ratio

: 2.24%

(2.11% Category average)

Risk-O-Meter

Moderate

Buy Recommended

(Min ₹1000 for SIP, ₹5000 for one time investment)

Conservative Hybrid Fund :Conservative Hybrid Fund : Fund has 15.7% investment in indian stocks of which 14.9% is in large cap stocks, 0.8% is in mid cap stocks.Fund has 76.26% investment in Debt of which 27.2% in Government securities, 49.06% in funds invested in very low risk securities..

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

Nifty 50

0.75%

3.34%

5.92%

9.21%

6.71%

9.45%

0%
NA
0.08%

3%

4.33%

5.42%

4.89%

8.25%

8.51%

NA
Gold

Compare with

Date : -
NAV : -
Nifty 50 : -

1M
3M
6M
9M
1Y
2Y
3Y
5Y
ALL

Date : -
Investment : -
Value on selected date : -

Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

₹

Investment Date
Sell Date

Investment Value

-
Sell Value

-
Profit/Loss

-
Annualised Returns

-

Date : -
Investment : -
Value on selected date : -

Returns (NAV as on 21st May, 2019)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	14-May-19	10064.85	0.65%	-	1.09%	21/22
1 Month	18-Apr-19	10042.05	0.42%	-	0.08%	5/22
3 Month	21-Feb-19	10250.30	2.50%	-	3.00%	19/22
6 Month	20-Nov-18	10423.83	4.24%	-	4.33%	14/22
YTD	31-Mar-19	10023.35	0.23%	-	0.15%	13/22
1 Year	21-May-18	10609.11	6.09%	6.09%	5.42%	9/22
2 Year	19-May-17	10919.21	9.19%	4.48%	4.89%	13/22
3 Year	20-May-16	12029.16	20.29%	6.35%	7.40%	20/22
5 Year	21-May-14	13699.20	36.99%	6.49%	8.25%	21/21
10 Year	21-May-09	18698.61	86.99%	6.45%	8.22%	17/17
Since Inception	02-Jun-03	32512.42	225.12%	7.66%	-	-/-

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 21st May,2019)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 year	21-May-18	12000	12440.11	3.67 %	6.89 %
2 years	21-May-17	24000	25201.85	5.01 %	4.78 %
3 years	21-May-16	36000	38755.72	7.65 %	4.85 %
5 years	21-May-14	60000	69107.06	15.18 %	5.60 %
10 years	21-May-09	120000	166720.86	38.93 %	6.40 %

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 30th Apr,2019)

Equity Holding : 15.70% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 15.70%

No of Stocks : 13 (Category Avg - 32.82) | Large Cap Investments : 14.9%| Mid Cap Investments : 0.8% | 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	22.5	3.14%	-0.34%	0.66% (May 2018)	0.66% (May 2018)	30.00 k	-4.52 k
ICICI Bank Ltd.	Banks	22.2	3.09%	-0.14%	0.96% (Jun 2018)	0.96% (Jun 2018)	54.53 k	-5.00 k
HDFC Bank Ltd.	Banks	9.3	1.29%	0.03%	0.95% (Oct 2018)	0% (May 2018)	4.00 k	0.00
Larsen & Toubro Infotech Ltd.	Computers - software	9.2	1.28%	0.04%	1.24% (Mar 2019)	0% (May 2018)	5.36 k	0.00
Hindustan Unilever Ltd.	Diversified	8.4	1.17%	0.06%	1.11% (Mar 2019)	0% (May 2018)	4.78 k	0.00
Tech Mahindra Ltd.	Software -telecom	8.4	1.16%	-0.85%	1.16% (Apr 2019)	1.16% (Apr 2019)	10.00 k	-9.15 k
Reliance Industries Ltd.	Refineries/marketing	7	0.97%	-0.36%	0.91% (May 2018)	0.91% (May 2018)	5.00 k	-2.19 k
Nestle India Ltd.	Consumer food	6.8	0.95%	0.02%	0.93% (Mar 2019)	0% (May 2018)	623.00	0.00
Mahindra & Mahindra Ltd.	Passenger/utility vehicles	6.4	0.88%	-0.02%	0.77% (Feb 2019)	0% (May 2018)	9.85 k	0.00
Sanofi India Ltd.	Pharmaceuticals	5.2	0.72%	-0.05%	0.69% (May 2018)	0.69% (May 2018)	918.00	-57.00

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

Detailed Portfolio Analysis

No of Debt Holding 16 (Category Avg - 24.14) | Modified Duration 2.01 Years (Category Avg - 2.32)| Yield to Maturity 7.35% (Category Avg - 8.90%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	16.14%	9.27%
CD	21.34%	2.30%
NCD-ST	0.00%	0.02%
T-Bills	11.06%	0.69%
CP	0.00%	1.50%
NCD & Bonds	27.72%	53.49%
PTC	0.00%	0.99%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	27.20%	9.96%
Low Risk	49.06%	48.02%
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 (%)
Reverse Repo	Reverse Repo	7.26%
Net Receivables	Net Receivables	0.78%

Detailed Portfolio Analysis

Risk Ratios

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

3.19vs4.21

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

0.69vs0.89

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

0.03vs0.25

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

-1.35vs-0.88

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Baroda Conservative Hybrid Fund - Plan A - Growth	NA	19.50	1.93	4.36	6.96	9.37	7.25
ICICI Prudential Regular Savings Fund - Growth	5	1626.30	0.32	3.37	5.51	8.30	10.18
Canara Robeco Conservative Hybrid Fund - Regular Plan - Growth	4	200.61	0.47	3.40	5.41	7.70	7.39
DHFL Pramerica Hybrid Debt Fund - Growth	3	20.68	0.28	3.39	5.14	7.66	7.66
HDFC Hybrid Debt Fund - Growth	3	3101.27	0.02	3.44	4.35	6.91	8.20
Indiabulls Savings Income Fund - Growth	NA	27.99	0.92	3.52	4.94	6.84	9.96
L&T Conservative Hybrid Fund - Growth	1	40.86	0.90	3.05	4.75	6.70	7.09
IDFC Regular Savings Fund - Regular Plan - Growth	4	201.20	0.19	2.68	4.59	6.36	7.56
Franklin India Debt Hybrid Fund - Plan A - Growth	3	333.21	-0.06	2.72	4.07	6.05	6.65
BNP Paribas Conservative Hybrid Fund - Growth	4	348.32	0.32	2.94	4.32	6.04	7.38

Detailed Comparison

More Funds from LIC Mutual Fund

Out of 26 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 6 is/are ranked 4 * , 6 is/are ranked 3 * , 4 is/are ranked 2 * , and 8 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	4	9828.11	0.56	1.75	3.60	7.41	7.05
LIC MF Savings Fund - Growth	3	1429.72	-0.26	1.03	3.22	6.99	7.00
LIC MF ETF - Nifty 50	4	529.54	0.65	10.30	11.30	12.91	16.52
LIC MF ETF - Nifty 50	4	529.54	0.65	10.30	11.30	12.91	16.52
LIC MF Banking & PSU Debt - Growth	4	528.66	0.82	2.18	5.15	8.86	7.32
LIC MF Large & Mid Cap Fund - Growth	3	454.43	-0.81	7.65	6.10	-0.57	15.36
LIC MF ETF - Sensex	3	391.85	0.54	10.17	11.23	14.32	17.30
LIC MF ETF - Sensex	3	391.85	0.54	10.17	11.23	14.32	17.30
LIC MF Equity Hybrid Fund - Plan C - Growth	3	345.10	0.70	7.63	8.32	8.11	9.97
LIC MF ETF - Nifty 100	NA	326.09	-0.09	9.60	9.64	10.18	16.09