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3 star

L&T Conservative Hybrid Fund - Direct Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.18 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.98 Lakh

Suitability:

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • 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
Fund 3.13 0.24 0.66 0.79 5.08 1.35 5.88 5.78 6.85 8.55 --
VR MIP TRI 1.58 0.11 1.04 1.67 7.58 1.09 5.55 6.62 7.33 9.05 --
Hybrid: Conservative Hybrid 1.93 0.28 0.93 1.60 7.92 0.34 5.87 4.99 6.98 9.45 --
Rank within category 23 19 25 32 35 22 26 20 19 24 --
Number of funds in category 39 39 39 39 39 39 38 36 33 29 0

As on 10-Aug-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
L&T Conservative Hybrid Fund - Direct Plan  | Invest Online
3 star
Jan-13 5.88 5.78 6.85 1.69 33
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 9.32 7.83 9.43 1.15 1,729
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 4.89 4.09 6.77 1.42 2,382
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.78 3.82 6.37 1.11 1,679
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 1.75 2.33 6.73 1.12 1,202

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.57 (24-Mar-2020 - 31-Mar-2020) -4.49 (16-Mar-2020 - 23-Mar-2020)
Month 5.48 (24-Mar-2020 - 23-Apr-2020) -9.09 (20-Feb-2020 - 23-Mar-2020)
Quarter 8.86 (23-Mar-2020 - 22-Jun-2020) -7.23 (23-Dec-2019 - 23-Mar-2020)
Year 23.22 (31-Jan-2014 - 02-Feb-2015) -2.05 (25-Feb-2015 - 25-Feb-2016)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.43 4.90 0.04 0.05 0.70 -0.50
VR MIP TRI 6.24 6.56 0.16 0.18 -- --
Hybrid: Conservative Hybrid 4.68 7.10 0.00 0.07 0.84 -1.40
Rank within category 19 8 19 19 14 18
Number of funds in category 36 36 36 36 36 36

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

As on 31-Jul-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 46
Number of Bonds 7
Average Maturity (yrs) 4.01
Top 10 Holdings (%) 81.14
Portfolio P/B Ratio 2.75
Portfolio P/E Ratio 23.38

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 7.59% GOI 2026 GOI Securities SOV 25.97 - 33.57 33.30
equal 7.37% GOI 16/04/2023 GOI Securities SOV 12.83 - 16.58 16.51
equal 7.14% REC 2021 Bonds AAA 6.15 - 8.09 8.09
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 6.42 - 7.50 6.78
equal 6.45% GOI 2029 GOI Securities SOV 0.00 - 6.39 6.35
equal 8.18% Power Finance Corp. 19/03/2022 Debenture AAA 3.77 - 4.89 4.89
equal 6.00% Zee Entertainment 2022 Preference Shares -- 0.01 - 0.02 0.01

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 Infosys Technology 23.72 1.43 0.00 1.43
equal HDFC Bank Financial 20.60 1.72 0.70 1.42
down Reliance Industries Energy 33.97 1.52 0.33 1.40
equal ICICI Bank Financial 23.40 1.61 0.14 0.97
equal Kotak Mahindra Bank Financial 31.72 0.92 0.34 0.78
equal Bharti Airtel Communication -- 0.77 0.17 0.76
up UPL Chemicals 18.80 0.69 0.17 0.69
equal Trent Services 160.95 0.86 0.21 0.69
equal Sun Pharmaceutical Inds. Healthcare 180.14 0.62 0.20 0.62
equal HCL Technologies Technology 15.78 0.59 0.10 0.59
equal The Ramco Cements Construction 27.26 0.71 0.39 0.51
equal Tata Consultancy Services Technology 27.40 0.93 0.09 0.51
equal Ipca Laboratories Healthcare 41.85 0.51 0.00 0.51
equal Larsen & Toubro Construction 16.11 0.82 0.29 0.47
equal Hindustan Unilever FMCG 75.78 0.57 0.20 0.44
equal Lupin Healthcare -- 0.43 0.06 0.43
new Mahindra & Mahindra Automobile -- 0.41 0.00 0.41
new Alkem Laboratories Healthcare 24.42 0.40 0.00 0.40
equal HPCL Energy 8.17 0.61 0.05 0.35
equal Maruti Suzuki India Automobile 49.74 0.57 0.23 0.32
equal Brigade Enterprises Construction 22.80 0.49 0.18 0.30
equal Ahluwalia Contracts Construction 23.79 0.42 0.21 0.28
down Hero Motocorp Automobile 14.89 0.42 0.00 0.27
equal Shree Cement Construction 50.51 0.42 0.21 0.26
equal KPR Mills Textiles 8.23 0.40 0.22 0.26

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 31-Jul-2020

Fund Manager

— Venugopal Manghat since 01-Jan-2013

Education: Mr. Manghat is a B.Sc (Mathematics) and MBA (Finance).

Experience: Prior to joining L&T Mutual Fund he has worked with Tata Asset Management Ltd.

Interviews:

Funds Managed:

— Vihang Naik since 17-Dec-2019

Education: Mr. Naik is a CFA and TYBMS.

Experience: Prior to joining L&T Mutual Fund he was associated with L&T Investment Management Limited (Jul 2012-Jun 2016) as an Analyst and with MF Global Sify securities (Mar 2010-Jul 2012, Motilal Oswal Securities (May 2008-Mar 2010), SBICAP Securities (Oct 2006-Apr 2008) as Research Analyst.

Funds Managed:

— Jalpan Shah since 30-May-2016

Education: Mr. Shah is a B.E. (Mechanical) and holds a PGDM.

Experience: Prior to joining L&T, he was associated with FIL Fund Management Private Limited (Dec 2007-Nov 2012), Lotus India Asset Management Company Private Limited (Sep 2007-Nov 2007) as a Research Analyst, UTI Asset Management Company Private Limited (July 2006-Aug 2007) as a Research Analyst and UTI Asset Management Company Private Limited(May 2004-June 2006) as a Sales & Marketing Manager.

Funds Managed:


0.24%

Change from previous, NAV as on 10-Aug-2020

Growth: ₹ 39.6694

Dividend Quarterly: ₹ 11.4776

Dividend Monthly: ₹ 11.5874


Investment Strategy

The scheme aims to generate monthly income with minimum investments in debt instruments to the extent of 80 percent. Equity and money market instruments can constitute a maximum of 20 per cent of the portfolio.

Investment Details

Minimum Investment (₹) 10,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: L&T Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 7.76%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 33 Cr (As on 31-Jul-2020)
Expense: 1.69% (As on 31-Jul-2020)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly27-Jul-20200.0600

 25-Jun-20200.0500
 26-May-20200.0500
 27-Apr-20200.0600
 26-Mar-20200.0432
 25-Feb-20200.0432
 27-Jan-20200.0432
 26-Dec-20190.0432
 25-Nov-20190.0432
 25-Oct-20190.0360
 25-Sep-20190.0360
 26-Aug-20190.0360
 25-Jul-20190.0360
 25-Jun-20190.0360
 27-May-20190.0360
 25-Apr-20190.0360
 25-Mar-20190.0360
 25-Feb-20190.0360
 25-Jan-20190.0360
 26-Dec-20180.0360
 26-Nov-20180.0360
 25-Oct-20180.0288
 25-Sep-20180.0360
 27-Aug-20180.0360
 25-Jul-20180.0360
Dividend Quarterly25-Jun-20200.2300

 20-Mar-20200.1657
 27-Dec-20190.1657
 24-Sep-20190.1513
 24-Jun-20190.1873
 22-Mar-20190.1441
 27-Dec-20180.1441
 27-Sep-20180.1441
 22-Jun-20180.1441
 23-Mar-20180.1445
 22-Dec-20170.1445
 20-Sep-20170.1445
 21-Jun-20170.1806
 23-Mar-20170.1806
 28-Dec-20160.1806
 28-Sep-20160.1806
 29-Jun-20160.1806
 23-Mar-20160.1083
 30-Dec-20150.1806
 29-Sep-20150.1950
 29-Jun-20150.1300
 26-Mar-20150.2686
 29-Dec-20140.2541
 24-Sep-20140.2727
 24-Jun-20140.2338

Contact Information

AMC: L&T Investment Management Ltd

Address: Brindavan Plot No. 177, CST Road Kalina, Santacruz (East) Mumbai - 400098

Phone: 022-66554000 / 1800-2000-400

Fax: 022-66554002

Email: [email protected]

Website: http://www.lntmf.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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