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3 star

L&T Conservative Hybrid Fund - Direct Plan download report


1 Lakh

Investment Grown to
₹ 1.24 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.97 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
L&T Conservative Hybrid Direct-G -0.93 -0.19 0.45 3.27 1.54 -0.77 3.28 7.41 6.40 7.12 --
VR MIP TRI 0.98 -0.01 0.74 4.49 2.88 1.10 4.84 8.98 7.89 8.16 --
Hybrid: Conservative Hybrid 1.59 -0.15 0.44 2.68 2.34 1.55 5.34 8.67 6.84 7.87 --
Rank within category 33 28 16 8 31 34 27 24 19 24 --
Number of funds in category 35 36 36 36 36 35 35 31 29 28 0

As on 05-Aug-2022

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 3.28 7.41 6.40 1.56 36
SBI Conservative Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 7.13 11.91 8.07 0.56 6,079
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 7.12 10.34 8.66 0.99 3,267
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 6.55 12.78 9.50 0.45 1,523
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 4.73 11.18 8.78 0.56 1,150

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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
L&T Conservative Hybrid Direct-G 7.05 5.32 0.67 0.70 0.68 0.23
VR MIP TRI 8.41 7.21 0.68 0.88 -- --
Hybrid: Conservative Hybrid 8.28 6.39 0.81 0.98 0.66 1.54
Rank within category 24 12 22 23 14 25
Number of funds in category 31 31 31 31 31 31

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

As on 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 32
Number of Bonds 5
Average Maturity (yrs) 2.08
Top 10 Holdings (%) 77.23
Portfolio P/B Ratio 5.24
Portfolio P/E Ratio 34.88

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 27.51 - 29.62 28.34
equal 7.37% GOI 16/04/2023 GOI Securities SOV 13.54 - 14.46 14.23
equal 5.22% GOI 15/06/2025 GOI Securities SOV 12.81 - 13.50 13.37
equal 4.56% GOI 29/11/2023 GOI Securities SOV 0.00 - 8.29 8.17
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 5.36 - 5.91 5.82

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 20.99 1.79 0.94 1.79
equal Infosys Technology 30.58 1.87 0.61 1.60
equal Bajaj Finance Financial 51.55 1.34 0.00 1.34
new Hindustan Unilever Consumer Staples 67.93 1.31 0.00 1.31
equal The Indian Hotels Company Services -- 1.26 0.00 1.26
equal State Bank of India Financial 13.15 1.59 0.12 1.17
equal Persistent Systems Technology 38.33 1.14 0.00 1.00
equal Asian Paints Materials 95.30 0.92 0.00 0.92
equal Brigade Enterprises Construction 56.99 0.85 0.22 0.85
equal HDFC Bank Financial 20.45 1.72 0.76 0.82
new Shoppers Stop Ltd. Services 82.28 0.81 0.00 0.81
equal Sona BLW Precision Forgings Automobile 92.46 1.00 0.00 0.80
equal Greenpanel Industries Materials 19.03 1.03 0.00 0.78
equal Bajaj Finserv Financial 49.16 0.80 0.00 0.71
equal Rolex Rings Capital Goods 32.58 0.69 0.00 0.69
new Voltas Consumer Discretionary 66.20 0.69 0.00 0.69
up UNO Minda Automobile 88.38 1.39 0.00 0.68
equal APL Apollo Tubes Metals & Mining 49.72 0.66 0.00 0.64
new Maruti Suzuki India Automobile 60.61 0.61 0.00 0.61
equal Tata Power Company Energy 34.01 0.64 0.00 0.61
equal Ultratech Cement Materials 26.65 0.66 0.16 0.58
down Reliance Industries Energy 26.16 1.52 0.42 0.53
equal Titan Company Consumer Discretionary 73.93 0.54 0.00 0.52
equal Tata Consultancy Services Technology 31.82 0.93 0.42 0.50
equal Sun Pharmaceutical Industries Healthcare 56.17 0.81 0.26 0.49

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-2022

Fund Manager

— Cheenu Gupta since 02-Jul-2021

Education: Ms. Gupta is CFA Charter holder (USA), PGDBM (Finance) & B.E. (I.T)

Experience: Prior to joining L&T Mutual Fund, she has worked with Canara Robeco Mutual Fund, Tata AIA Life Insurance Company as Fund Manager, ING Investment Management as Senior Research Analyst and UTI AMC Ltd. 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 Mutual Fund, 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.

Interviews:

Funds Managed:


-0.19%

Change from previous, NAV as on 05-Aug-2022

Growth: ₹ 46.0545

IDCW Quarterly: ₹ 11.5960

IDCW Monthly: ₹ 11.9336


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

Min. Investment (₹) 10,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 1,000
Min. No of Cheques 6
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period Not Applicable
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: 7.77%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 36 Cr (As on 31-Jul-2022)
Expense Ratio: 1.56% (As on 30-Jun-2022)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly25-Jul-20220.0600

 27-Jun-20220.0600
 25-May-20220.0600
 25-Apr-20220.0600
 25-Mar-20220.0600
 25-Feb-20220.0600
 25-Jan-20220.0600
 27-Dec-20210.0600
 25-Nov-20210.0600
 25-Oct-20210.0600
 27-Sep-20210.0600
 25-Aug-20210.0600
 26-Jul-20210.0600
 25-Jun-20210.0600
 25-May-20210.0600
 26-Apr-20210.0600
 25-Mar-20210.0600
 25-Feb-20210.0600
 25-Jan-20210.0600
 28-Dec-20200.0600
 25-Nov-20200.0600
 26-Oct-20200.0600
 25-Sep-20200.0600
 25-Aug-20200.0600
 27-Jul-20200.0600
IDCW Quarterly24-Jun-20220.1500

 17-Mar-20220.1500
 27-Dec-20210.1800
 24-Sep-20210.2300
 25-Jun-20210.2300
 19-Mar-20210.2300
 23-Dec-20200.2300
 24-Sep-20200.2300
 25-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

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

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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