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3 star

LIC MF Debt Hybrid Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.31 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.12 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 -0.59 0.09 -1.25 -0.13 -0.33 4.01 7.51 9.36 7.26 7.38 --
VR MIP TRI -0.39 0.30 -1.88 0.44 -1.65 4.75 9.52 10.16 9.19 8.14 --
Hybrid: Conservative Hybrid -0.13 0.24 -0.91 0.41 0.23 4.25 10.69 9.33 7.99 8.16 --
Rank within category 29 33 28 31 28 17 26 17 22 23 --
Number of funds in category 35 35 35 35 35 35 32 29 29 27 0

As on 25-Jan-2022

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
3 star
Jan-13 7.51 9.36 7.26 1.34% 67
SBI Conservative Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 13.59 12.47 8.95 0.56% 5,338
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 11.11 11.22 10.12 0.95% 3,375
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 13.96 14.22 10.43 0.48% 1,268
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 10.72 12.51 9.88 0.56% 1,045

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 17.99 23-Mar-2020 - 23-Mar-2021 0.30 25-Feb-2015 - 25-Feb-2016

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.42 3.83 1.48 1.90 0.48 2.65
VR MIP TRI 10.03 6.79 0.93 1.14 -- --
Hybrid: Conservative Hybrid 9.04 6.29 0.98 1.14 0.68 1.04
Rank within category 15 2 5 2 4 8
Number of funds in category 30 30 30 30 30 30

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

As on 31-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 12
Number of Bonds 5
Average Maturity (yrs) 1.50
Top 10 Holdings (%) 93.52
Portfolio P/B Ratio 5.29
Portfolio P/E Ratio 34.26

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 7.32% GOI 28/01/2024 GOI Securities SOV 31.90 - 40.40 40.15
new Reserve Bank of India 91-D 20/01/2022 Treasury Bills SOV 0.00 - 31.28 31.28
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 3.78 3.75
equal 8.30% GOI 2040 Central Government Loan SOV 0.83 - 1.07 1.06
equal 8.49% NTPC 25/03/2025 Bonds/NCDs AAA 0.08 - 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 33.68 6.16 3.08 5.45
equal ICICI Bank Financial 25.00 4.86 2.53 4.38
equal HDFC Bank Financial 22.87 1.98 0.99 1.83
equal L&T Infotech Technology 47.95 2.81 0.00 1.75
equal Nestle India FMCG 80.85 1.81 0.00 1.68
equal Hindustan Unilever FMCG 62.43 1.92 0.00 1.67
equal Reliance Industries Energy 27.82 1.61 0.83 1.58
equal Tech Mahindra Technology 28.65 2.10 0.84 1.29
equal Mahindra & Mahindra Automobile 25.69 1.09 0.45 1.05
equal Bharti Airtel Communication 138.24 0.79 0.00 0.74
equal Sanofi India Healthcare 16.73 1.13 0.70 0.70
equal Abbott India Healthcare 49.41 0.56 0.00 0.20
equal Bharti Airtel Ltd. PPE Communication -- 0.03

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-Dec-2021

Fund Manager

— Karan Doshi since 07-Jan-2021

Education: Mr. Doshi is a Bachelor of Engineering, MMS (Finance)

Experience: Prior to joining LIC Mutual Fund, he has worked with Subhkam Ventures Pvt. Limited as Equity Analyst.

Funds Managed:

— 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:


0.09%

Change from previous, NAV as on 25-Jan-2022

Growth: ₹ 72.3377

IDCW Yearly: ₹ 13.7184

More

IDCW Quarterly: ₹ 14.6015

IDCW Monthly: ₹ 11.8071


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

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 500
Min. SIP Investment (₹) 1,000
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. Balance (₹) --
Lock-in Period Not Applicable
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: 8.23%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 67 Cr (As on 31-Dec-2021)
Expense: 1.34% (As on 31-Dec-2021)
Risk Grade: Below Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

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

 25-Nov-20210.0600
 26-Apr-20210.0600
 25-Mar-20210.0600
 24-Feb-20210.0600
 28-Jan-20210.0600
 29-Dec-20200.0600
 25-Nov-20200.0600
 28-Oct-20200.0600
 29-Sep-20200.0600
 27-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
IDCW Yearly26-Mar-20210.7200

 26-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
IDCW 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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