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L&T Conservative Hybrid Fund

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Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.16 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.90 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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
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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 1.45 0.12 0.43 2.09 7.51 1.13 4.36 4.96 6.22 7.29 6.94
VR MIP TRI -0.83 0.17 0.78 2.05 9.99 -1.13 1.78 6.29 7.00 8.37 7.86
Hybrid: Conservative Hybrid -1.07 0.17 0.59 2.38 7.76 -1.38 1.63 3.55 5.83 7.91 7.55
Rank within category 14 30 30 22 20 14 15 15 14 23 21
Number of funds in category 39 39 39 39 39 39 38 36 33 30 27

As on 03-Jul-2020

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  | Invest Online
3 star
 Jul-03 4.36 4.96 6.22 2.29 32
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
 Mar-04 5.88 6.52 8.52 1.95 1,544
HDFC Hybrid Debt Fund  | Invest Online
2 star
 Dec-03 0.20 2.87 6.10 1.86 2,320
UTI Regular Savings Fund - Regular Plan  | Invest Online
2 star
 Dec-03 -1.10 2.57 5.28 1.78 1,658
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
2 star
 May-04 -3.07 0.96 5.48 1.97 1,203

Best & Worst Performance

Best (Period) Worst (Period)
Week 4.74 (22-Jan-2008 - 29-Jan-2008) -4.96 (15-Jan-2008 - 22-Jan-2008)
Month 11.41 (10-Dec-2007 - 09-Jan-2008) -9.14 (20-Feb-2020 - 23-Mar-2020)
Quarter 18.81 (10-Oct-2007 - 09-Jan-2008) -7.35 (23-Dec-2019 - 23-Mar-2020)
Year 29.08 (23-May-2007 - 22-May-2008) -2.71 (25-Feb-2015 - 25-Feb-2016)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 4.81 4.90 -0.10 -0.11 0.71 -1.03
VR MIP TRI 6.06 6.50 0.12 0.13 -- --
Hybrid: Conservative Hybrid 3.54 7.02 -0.20 -0.16 0.84 -2.40
Rank within category 14 9 15 15 14 14
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 42
Number of Bonds 7
Average Maturity (yrs) 4.18
Top 10 Holdings (%) 80.14
Portfolio P/B Ratio 2.37
Portfolio P/E Ratio 18.87

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 25.02 - 33.57 33.57
equal 7.37% GOI 16/04/2023 GOI Securities SOV 12.42 - 16.58 16.58
equal 7.14% REC 2021 Bonds AAA 5.93 - 7.85 7.81
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 6.19 - 7.50 6.64
equal 6.45% GOI 2029 GOI Securities SOV 0.00 - 6.39 6.37
equal 8.18% Power Finance Corp. 19/03/2022 Debenture AAA 3.74 - 7.26 4.78
equal 6.00% Zee Entertainment 2022 Preference Shares -- 0.01 - 0.02 0.01

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 HDFC Bank Financial 21.64 1.72 0.40 1.34
down Reliance Industries Energy 30.71 1.52 0.33 1.33
equal ICICI Bank Financial 24.44 1.61 0.14 0.95
up Bharti Airtel Communication -- 0.77 0.00 0.77
equal Kotak Mahindra Bank Financial 31.17 0.92 0.34 0.72
equal Infosys Technology 19.57 1.03 0.00 0.65
equal Trent Services 179.34 0.86 0.00 0.59
equal Sun Pharmaceutical Inds. Healthcare 30.39 0.57 0.20 0.57
equal Larsen & Toubro Construction 13.89 0.82 0.29 0.49
equal HCL Technologies Technology 14.21 0.48 0.10 0.47
equal The Ramco Cements Construction 25.00 0.71 0.39 0.45
equal Tata Consultancy Services Technology 25.51 0.93 0.09 0.45
equal Asian Paints Chemicals 60.14 0.53 0.21 0.44
up Lupin Healthcare -- 0.42 0.06 0.42
equal Ipca Laboratories Healthcare 34.65 0.45 0.00 0.42
equal Hindustan Unilever FMCG 75.58 0.57 0.00 0.42
equal HPCL Energy 12.47 0.61 0.05 0.32
equal Maruti Suzuki India Automobile 31.58 0.57 0.23 0.29
equal KPR Mills Textiles 8.95 0.40 0.22 0.27
equal Shree Cement Construction 53.77 0.42 0.21 0.26
equal ITC FMCG 16.65 0.67 0.22 0.25
equal UPL Chemicals 19.11 0.44 0.17 0.24
equal Brigade Enterprises Construction 20.64 0.49 0.18 0.22
equal Ahluwalia Contracts Construction 21.93 0.42 0.21 0.22
equal Future Lifestyle Fashion Services 18.43 0.86 0.16 0.21

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-May-2020

Fund Manager

— Venugopal Manghat since 24-Nov-2012

Education: Mr. Manghat is a B.Sc (Mathematics) and MBA (Finance).

Experience: Prior to joining L&T Mutual Fund he has worked with Tata Asset Management Ltd.

Interviews:

Funds Managed:

— Vihang Naik since 17-Dec-2019

Education: Mr. Naik is a CFA and TYBMS.

Experience: Prior to joining L&T Mutual Fund he was associated with L&T Investment Management Limited (Jul 2012-Jun 2016) as an Analyst and with MF Global Sify securities (Mar 2010-Jul 2012, Motilal Oswal Securities (May 2008-Mar 2010), SBICAP Securities (Oct 2006-Apr 2008) 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, 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.

Funds Managed:

Invest Online
0.12%

Change from previous, NAV as on 03-Jul-2020

Growth: ₹ 37.1822

Dividend Quarterly: ₹ 10.7950

Dividend Monthly: ₹ 10.7060

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

Minimum Investment (₹) 10,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 1,000
Minimum No of Cheques 6
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
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: 31-Jul-2003
Return Since Launch: 8.06%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 32 Cr (As on 31-May-2020)
Expense: 2.29% (As on 31-May-2020)
Risk Grade: Below Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly25-Jun-20200.0400

 26-May-20200.0400
 27-Apr-20200.0600
 26-Mar-20200.0432
 25-Feb-20200.0432
 27-Jan-20200.0432
 26-Dec-20190.0432
 25-Nov-20190.0432
 25-Oct-20190.0360
 25-Sep-20190.0360
 26-Aug-20190.0360
 25-Jul-20190.0360
 25-Jun-20190.0360
 27-May-20190.0360
 25-Apr-20190.0360
 25-Mar-20190.0360
 25-Feb-20190.0360
 25-Jan-20190.0360
 26-Dec-20180.0360
 26-Nov-20180.0360
 25-Oct-20180.0288
 25-Sep-20180.0360
 27-Aug-20180.0360
 25-Jul-20180.0360
 25-Jun-20180.0360
Dividend Quarterly25-Jun-20200.2200

 20-Mar-20200.1585
 27-Dec-20190.1585
 24-Sep-20190.1441
 24-Jun-20190.1801
 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-20160.1445
 23-Mar-20160.1083
 30-Dec-20150.1445
 29-Sep-20150.1733
 29-Jun-20150.1300
 26-Mar-20150.2541
 29-Dec-20140.2541
 24-Sep-20140.2727
 24-Jun-20140.2338

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

Email: investor.li[email protected]

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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