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4 star

LIC MF Debt Hybrid Fund - Direct Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.22 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.04 Lakh

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

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

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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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 4.44 0.18 0.78 2.62 6.62 4.16 8.75 6.76 7.26 8.09 --
VR MIP TRI -0.05 0.30 0.95 2.79 7.54 -0.34 3.19 6.45 7.26 8.41 --
Hybrid: Conservative Hybrid 0.15 0.25 0.99 2.95 6.47 -0.26 3.56 4.61 6.94 8.82 --
Rank within category 7 28 27 25 24 6 7 10 14 24 --
Number of funds in category 38 38 38 38 38 38 37 35 32 29 0

As on 09-Jul-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
LIC MF Debt Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 8.75 6.76 7.26 1.18 64
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 7.61 7.47 9.51 1.39 1,544
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.31 3.56 6.95 1.41 2,344
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 0.87 3.52 6.30 1.11 1,658
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 -0.53 2.26 6.82 1.12 1,203

Best & Worst Performance

Best (Period) Worst (Period)
Week 3.18 (24-Mar-2020 - 31-Mar-2020) -4.56 (11-Mar-2020 - 18-Mar-2020)
Month 5.41 (23-Mar-2020 - 22-Apr-2020) -7.92 (20-Feb-2020 - 23-Mar-2020)
Quarter 8.48 (23-Mar-2020 - 22-Jun-2020) -5.58 (23-Dec-2019 - 23-Mar-2020)
Year 15.01 (04-Feb-2016 - 03-Feb-2017) 0.30 (25-Feb-2015 - 25-Feb-2016)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.34 3.66 0.28 0.33 0.49 0.67
VR MIP TRI 6.06 6.50 0.12 0.13 -- --
Hybrid: Conservative Hybrid 4.43 7.02 -0.05 0.01 0.84 -1.51
Rank within category 9 1 6 7 4 8
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 30-Jun-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 13
Number of Bonds 8
Average Maturity (yrs) * 4.61
Top 10 Holdings (%) 84.22
Portfolio P/B Ratio 3.72
Portfolio P/E Ratio 26.34

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
up 7.27% GOI 2026 GOI Securities SOV 0.00 - 39.03 28.80
down 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 32.34 19.39
new 6.18% GOI 2024 GOI Securities SOV 0.00 - 12.23 12.23
equal 8.29% State Bank of India 22/01/2025 Debenture AAA 7.27 - 8.42 8.33
new 6.79% GOI 15/05/2027 GOI Securities SOV 0.00 - 4.11 4.11
equal 8.30% GOI 2040 Central Government Loan SOV 0.99 - 1.12 1.11
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 18.72 0.84
equal 8.49% NTPC 25/03/2025 Bonds/NCDs AAA 0.09 - 0.10 0.10

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 20.06 3.66 0.00 3.44
equal ICICI Bank Financial 25.08 4.45 0.00 2.99
equal Nestle India FMCG 79.53 1.75 0.00 1.67
equal L&T Infotech Technology 23.84 1.64 0.00 1.64
equal Hindustan Unilever FMCG 75.69 1.77 0.00 1.62
equal HDFC Bank Financial 22.68 1.54 0.00 1.33
down Reliance Industries Energy 31.35 1.40 0.00 1.33
equal Sanofi India Healthcare 43.00 1.13 0.46 1.13
equal Tech Mahindra Technology 13.82 3.56 0.00 0.85
equal Petronet LNG Energy 14.70 1.10 0.00 0.80
equal Mahindra & Mahindra Automobile 548.57 1.12 0.00 0.78
equal Abbott India Healthcare 55.74 0.56 0.00 0.49
equal Ashok Leyland Automobile 45.47 0.54 0.00 0.05
new Reliance Industries Ltd - Partly Paid Equity Energy -- 0.04

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-Jun-2020

*As on 31-May-2020

Fund Manager

— Marzban Irani since 10-Aug-2016

Education: Mr. Irani is a B.Com (H) from Mumbai University and holds a PGDBM from Chetna's Institute of Management & Research, Mumbai.

Experience: Prior to joining LIC Mutual Fund he was associated with DSP Investment Managers (Jun 2014-Jul 2016) as VP Fixed Income, Tata Asset Management (Jun 2011-May 2014) as Senior Fund Manager Fixed Income, PNB MetLife India Insurance (Sep 2010-May 2011) as Fund Manager Fixed Income, Mirae Asset Global Investment Management India Pvt. Ltd. (Jan 2008-Jul 2010) as Fund Manager Fixed Income and Tata Asset Management Limited (Sep 2000-Nov 2007) as Fund Manager Fixed Income.

Funds Managed:

— Yogesh Patil since 05-Oct-2018

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.

Funds Managed:


0.18%

Change from previous, NAV as on 09-Jul-2020

Growth: ₹ 63.2293

Dividend Yearly: ₹ 12.6869

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Dividend Quarterly: ₹ 12.7826

Dividend Monthly: ₹ 11.0192


Investment Strategy

The scheme has the primary objective to give steady income by investing at least 65 per cent of its portfolio in fixed income securities. Exposure to equity and money market instrument can range go up to 35 per cent each.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) --
Exit Load For units in excess of 12% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: LIC Mutual Fund
Launch Date: 09-Jan-2013
Return Since Launch: 8.05%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 64 Cr (As on 30-Jun-2020)
Expense: 1.18% (As on 31-May-2020)
Risk Grade: Low
Return Grade: Above Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly25-Jun-20200.0600

 25-Feb-20200.0432
 27-Jan-20200.0432
 30-Dec-20190.0432
 27-Nov-20190.0432
 29-Oct-20190.0432
 24-Sep-20190.0432
 27-Aug-20190.0432
 29-Jul-20190.0432
 25-Jun-20190.0432
 27-May-20190.0432
 30-Apr-20190.0432
 25-Mar-20190.0720
 25-Feb-20190.0720
 28-Dec-20180.0504
 29-Nov-20180.0360
 28-Sep-20180.0360
 04-Sep-20180.0360
 30-Jul-20180.0144
 28-May-20180.0360
 27-Apr-20180.0216
 23-Mar-20180.0361
 27-Feb-20180.0361
 31-Jan-20180.0361
 29-Dec-20170.0361
Dividend Yearly26-Mar-20190.6051

 26-Mar-20180.4334
 27-Apr-20170.4334
 06-Jun-20160.5778
 23-Mar-20150.6533
 25-Mar-20140.5845
 26-Mar-20130.4405
Dividend Quarterly27-Jun-20180.1080

 26-Mar-20180.1083
 27-Dec-20170.1083
 28-Sep-20170.1083
 28-Jun-20170.1083
 20-Mar-20170.1083
 02-Jan-20170.1083
 27-Sep-20160.1517
 28-Jun-20160.1445
 14-Jan-20160.1076
 28-Sep-20150.1445
 28-Jun-20150.1445
 16-Oct-20140.1815
 25-Mar-20140.3896
 24-Sep-20130.0779
 25-Jun-20130.1169
 26-Mar-20130.2643

Contact Information

AMC: LIC Mutual Fund Asset Management Company Ltd

Address: Industrial Assurance Building 4th Floor, Opp. Churchgate Station Mumbai - 400020

Phone: 022-66016000 / 1800-258-5678

Fax: 022-22880633

Email: [email protected]

Website: http://www.licmf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

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

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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