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4 star

LIC MF Debt Hybrid Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.22 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.01 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 4.73 0.21 0.04 -0.12 1.84 6.92 7.21 6.74 7.29 7.84 --
VR MIP TRI 1.31 0.49 -0.04 -0.75 2.96 9.95 4.32 6.50 7.68 8.78 --
Hybrid: Conservative Hybrid 2.23 0.48 0.05 -0.43 3.54 10.04 4.77 4.85 7.28 9.34 --
Rank within category 11 36 26 16 35 32 14 10 18 25 --
Number of funds in category 38 38 38 38 38 38 37 35 32 29 0

As on 28-Sep-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 7.21 6.74 7.29 1.27 79
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 9.09 8.10 9.81 1.15 1,916
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 4.22 4.24 7.09 1.47 2,389
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.40 3.52 6.55 1.15 1,660
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 1.66 2.42 7.42 1.12 1,184

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 6.58 3.91 0.37 0.44 0.50 0.78
VR MIP TRI 6.45 6.54 0.20 0.22 -- --
Hybrid: Conservative Hybrid 4.93 7.13 0.04 0.11 0.85 -1.32
Rank within category 10 1 7 6 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 31-Aug-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 14
Number of Bonds 7
Average Maturity (yrs) 2.81
Top 10 Holdings (%) 89.75
Portfolio P/B Ratio 4.12
Portfolio P/E Ratio 28.35

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 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 48.05 48.05
new Reserve Bank of India 91-D 10/09/2020 Treasury Bills SOV 0.00 - 18.93 18.93
equal 8.29% State Bank of India 22/01/2025 Debenture AAA 6.85 - 8.42 6.85
down 6.18% GOI 2024 GOI Securities SOV 0.00 - 20.07 3.26
equal 8.30% GOI 2040 Central Government Loan SOV 0.89 - 1.12 0.89
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 18.72 0.67
equal 8.49% NTPC 25/03/2025 Bonds/NCDs AAA 0.08 - 0.10 0.08

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 25.25 4.44 0.00 3.52
up ICICI Bank Financial 24.61 4.45 0.00 3.04
equal L&T Infotech Technology 27.99 1.98 0.00 1.67
up Hindustan Unilever FMCG 70.81 1.77 0.00 1.57
up Nestle India FMCG 72.86 1.75 0.00 1.55
equal Reliance Industries Energy 35.27 1.58 0.00 1.31
equal HDFC Bank Financial 20.35 1.54 0.00 1.13
equal Sanofi India Healthcare 43.91 1.13 0.48 0.95
equal Tech Mahindra Technology 18.62 3.56 0.00 0.94
equal Mahindra & Mahindra Automobile -- 1.12 0.00 0.75
equal Petronet LNG Energy 12.63 1.10 0.00 0.61
new Bharti Airtel Communication -- 0.99 0.00 0.58
new Johnson Controls - Hitachi Air Conditioning India Cons Durable -- 0.46 0.00 0.46
equal Abbott India Healthcare 52.84 0.56 0.00 0.41
equal Reliance Industries Ltd - Partly Paid Equity Energy -- 0.05

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-Aug-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:


0.21%

Change from previous, NAV as on 28-Sep-2020

Growth: ₹ 63.4030

Dividend Yearly: ₹ 12.7161

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Dividend Quarterly: ₹ 12.8120

Dividend Monthly: ₹ 10.9252


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: 7.85%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 79 Cr (As on 31-Aug-2020)
Expense: 1.27% (As on 31-Aug-2020)
Risk Grade: Low
Return Grade: Above Average
Turnover: --

Most Recent Dividends

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

 29-Jul-20200.0600
 25-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
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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