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3 star

LIC MF Unit Linked Insurance download report


1 Lakh

Investment Grown to
₹ 1.38 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.29 Lakh

Suitability:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like for all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
LIC MF ULIS -8.52 1.07 -1.69 -8.61 -8.10 -10.06 10.56 11.39 8.86 7.95 10.92
VR Balanced TRI -7.74 -0.15 -3.21 -8.42 -7.90 -11.04 7.72 12.32 11.23 10.32 12.51
Hybrid: Aggressive Hybrid -8.50 0.57 -1.94 -7.86 -7.12 -10.56 7.84 11.78 8.83 9.42 13.25
Rank within category 27 5 14 34 31 19 7 19 13 16 19
Number of funds in category 44 44 44 44 44 44 44 38 28 21 20

As on 16-May-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
LIC MF Unit Linked Insurance  | Invest Online
3 star
Jun-89 10.56 11.39 8.86 2.61% 414
SBI Equity Hybrid Fund  | Invest Online
4 star
Dec-95 9.50 13.17 11.17 1.60% 50,933
ICICI Prudential Equity & Debt Fund  | Invest Now
5 star
Nov-99 20.40 17.94 12.89 1.87% 19,331
Canara Robeco Equity Hybrid Fund - Regular Plan  | Invest Online
5 star
Feb-93 6.17 13.34 10.31 1.86% 7,662
DSP Equity & Bond Fund  | Invest Online
4 star
May-99 2.46 12.63 8.52 1.85% 7,318

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 14.85 27-Oct-2008 - 04-Nov-2008 -16.66 10-May-2004 - 17-May-2004
Month 18.55 14-Jun-2006 - 14-Jul-2006 -30.85 20-Feb-2020 - 23-Mar-2020
Quarter 34.03 09-Mar-2009 - 10-Jun-2009 -30.80 28-Jul-2008 - 27-Oct-2008
Year 68.36 02-May-2005 - 02-May-2006 -46.97 04-Dec-2007 - 03-Dec-2008

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
LIC MF ULIS 13.84 17.88 0.58 0.52 0.96 0.09
VR Balanced TRI 14.19 17.86 0.60 0.69 -- --
Hybrid: Aggressive Hybrid 13.55 16.72 0.60 0.63 0.89 0.57
Rank within category 19 35 23 33 36 22
Number of funds in category 42 42 42 42 42 42

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Apr-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 40
Top 10 Holdings (%) 56.95
Top 5 Holdings (%) 41.66
Top 3 Sectors (%) 41.03
Portfolio P/B Ratio 4.80
Portfolio P/E Ratio 33.73
Avg Credit Rating GOI/Cash

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal Reserve Bank of India 91-D 23/06/2022 Treasury Bills SOV 0.00 - 19.23 19.23
new 7.35% GOI 22/06/2024 Central Government Loan SOV 0.00 - 1.28 1.28
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 0.54 0.47

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal ICICI Bank Financial 19.67 7.04 5.07 6.61
equal Infosys Technology 28.90 7.64 1.87 6.46
equal HDFC Bank Financial 19.17 9.58 5.27 5.27
equal Tata Consultancy Services Technology 32.96 6.39 3.62 4.09
equal Avenue Supermarts Services 159.03 4.89 1.50 3.92
equal Bajaj Finance Financial 50.28 6.18 3.26 3.41
up Reliance Industries Energy 28.21 5.65 2.07 3.21
equal Titan Company Consumer Discretionary 88.91 2.60 0.00 2.52
equal Divi's Laboratories Healthcare 44.37 2.61 0.00 2.23
equal Vinati Organics Chemicals 61.16 3.99 1.60 2.08
equal Tata Consumer Products Consumer Staples 72.58 2.58 0.00 1.99
equal Kotak Mahindra Bank Financial 30.23 4.95 1.85 1.94
equal Atul Chemicals 41.07 2.36 0.00 1.91
equal Bajaj Electricals Consumer Discretionary 74.67 2.21 0.61 1.79
equal Bajaj Finserv Financial 45.33 4.44 0.58 1.75
equal State Bank of India Financial 11.79 1.86 0.00 1.74
equal Trent Services 362.10 1.67 0.00 1.66
equal Hindustan Unilever Consumer Staples 59.41 2.64 1.46 1.64
equal Axis Bank Financial 14.24 1.63 0.00 1.56
equal SRF Diversified 36.57 1.59 0.00 1.54
equal Asian Paints Materials 96.38 1.56 0.90 1.49
equal Brigade Enterprises Construction 121.77 2.46 0.92 1.44
equal Aditya Birla Fashion and Retail Services -- 1.41 0.00 1.37
equal RHI Magnesita India Capital Goods 43.36 1.35 0.00 1.35
equal Maruti Suzuki India Automobile 58.61 1.82 1.17 1.31

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Apr-2022

Fund Manager

— Yogesh Patil since 18-Sep-2020

Education: Mr. Patil is an MBA (Finance).

Experience: Prior to joining LIC Mutual Fund, he has worked with Canara Robeco Mutual Fund, Sahara Mutual Fund and Religare Enterprise Limited.

Interviews:

Funds Managed:

— Dikshit Mittal since 06-Sep-2021

Education: Mr. Mittal is a MBA (Finance) - ICFAI Busines School, Hyderabad. B-Tech (Chemical) - Punjab Technical University.

Experience: Prior to joining LIC Mutual Fund Asset Management Ltd., he has worked with Subhkam Ventures Pvt. Limited. SBI Capital Securities and Alchemy Shares and Stock Brokers.

— Sanjay Pawar since 01-Jan-2022

Education: Mr. Pawar is a B.Com, MBA

Experience: Prior to joining LIC Mutual Fund, he has worked with Taurus Mutual Fund, Edelweiss Securities Ltd., CRISIL Limited, ICAP.

Funds Managed:


1.07%

Change from previous, NAV as on 16-May-2022

IDCW: ₹ 24.8474


Investment Strategy

The scheme seeks to provide long term capital appreciation along with the benefits of Tax rebate and Insurance as well as additional benefit of a life cover and free accident insurance cover over a period of 10 years or 15 years. The scheme invests its portfolio in equity and debt instruments and also in money market instruments.

Investment Details

Min. Investment (₹) 10,000
Min. Addl Investment (₹) 500
Min. SIP Investment (₹) 1,000
Min. No of Cheques 12
Min. Withdrawal (₹) 1,000
Min. Balance (₹) --
Lock-in Period 3 Years
Exit Load 0

Basic Details

Fund House: LIC Mutual Fund
Launch Date: 19-Jun-1989
Return Since Launch: 9.41%
Benchmark: CRISIL Hybrid 35+65 Aggressive Index
Riskometer: Very High
Type: Open-ended
Assets: ₹ 414 Cr (As on 30-Apr-2022)
Expense: 2.61% (As on 30-Apr-2022)
Risk Grade: Above Average
Return Grade: Average
Turnover: 17.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW18-Feb-20130.1500

 26-Nov-20073.0000
 22-Jan-20071.8000
 05-Sep-20061.0000
 12-Apr-20061.6000
 06-Feb-20060.8000
 04-Nov-20052.0000
 10-Mar-20051.1500
 01-Nov-20040.8500
 29-Jan-20040.8500
 30-Oct-20031.0000
 30-May-20020.7500
 17-May-20001.0000
 18-May-19991.0000
 21-May-19981.0000
 31-Mar-19970.6000
 31-Mar-19950.7500
 31-Mar-19940.5000
 30-Sep-19931.0000
 30-Sep-19921.3500
 30-Sep-19911.3000
 30-Sep-19901.2500

Contact Information

AMC: LIC Mutual Fund Asset Management Company Ltd

Address: Industrial Assurance Building Ground Floor, Opp. Churchgate Station Mumbai - 400020

Phone: 022-66016177 / 022-66016178

Fax: 022-22880633

Email: [email protected]

Website: http://www.licmf.com

Registrar & Transfer Agent: KFin Technologies Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

Last Session

Investors' Hangout

How much will debt funds deliver now?

DateFriday, 13-May-2022
Time12:30 PM - 12:40 PM

Registration Over