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Value Research Rating
Analyst’s Choice
Riskometer
Very High
₹39.6058 0.60%
As on 28-Apr-2025
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
|
Fund name
|
Rating |
VR Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
LIC MF Unit Linked Insurance - Direct Plan
|
|
|
Very High
|
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1.28 |
|
 |
|
Very High
|
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1.00 |
||
|
|
Very High
|
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0.97 |
||
 |
|
Very High
|
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0.50 |
||
|
|
Very High
|
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1.21 |
₹470 Cr
--
10,000
1,000
1,000
12
Investment Strategy
The scheme seeks to provide long term capital appreciation along with the benefits of Tax rebate and Insurance as well as additional benefit of a life cover and free accident insurance cover over a period of 10 years or 15 years. The scheme invests its portfolio in equity and debt instruments and also in money market instruments.
Suitability
When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.
Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.
Like for all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.
Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than five years.
Capital Gains Taxation
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
LIC MF Unit Linked Insurance - Direct Plan invests 65-80 per cent of its assets in equity stocks and the remaining 20-35 per cent in bonds.
Mutual funds can be bought directly from the website of the fund house. For instance, LIC MF Unit Linked Insurance - Direct Plan fund can be purchased from the website of LIC Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.
The NAV of LIC MF Unit Linked Insurance - Direct Plan is ₹39.6058 as of 29-Apr-2025.
The AUM of LIC MF Unit Linked Insurance - Direct Plan Fund is ₹470 Cr as of 31-Mar-2025
The riskometer level of LIC MF Unit Linked Insurance - Direct Plan is Very High. See More
| Company | Percentage of Portfolio |
|---|---|
|
GOI Sec 7.18 24/07/2037 |
5.61
|
|
Power Finance Corporation Ltd SR 202 C NCD 7.79 22/07/2030 |
3.49
|
|
Maharashtra State SDL 7.63 31/01/2036 |
3.39
|
|
GOI Sec 7.41 19/12/2036 |
2.30
|
|
Jamnagar Utilities and Power Pvt. Ltd SR PPD8 Debenture 7.43 24/10/2034 |
2.20
|
As of 31-Mar-2025, LIC MF Unit Linked Insurance - Direct Plan had invested 73.44% in Equity, 22.38% in Debt and 4.18% in Cash & Cash Eq. See More
LIC MF Unit Linked Insurance - Direct Plan is 12 years 2 months old. It has delivered 11.97% returns since inception. See More
|
1Y
|
3Y
|
5Y
|
7Y
|
10Y
|
Since Inception
|
|---|---|---|---|---|---|
|
9.92%
|
11.31%
|
18.50%
|
11.27%
|
10.61%
|
11.97%
|
Yes, There is lock in period in LIC MF Unit Linked Insurance - Direct Plan.
The expense ratio of LIC MF Unit Linked Insurance - Direct Plan is 1.28.
