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3 star

L&T Conservative Hybrid Fund


1 Lakh

Investment Grown to
₹ 1.26 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.13 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 5.85 0.18 0.59 1.83 3.97 5.51 12.59 8.12 7.24 7.83 7.73
VR MIP TRI 5.62 0.44 0.28 0.71 3.59 4.28 15.39 9.16 8.87 8.89 9.06
Hybrid: Conservative Hybrid 6.63 0.23 0.60 1.40 4.05 5.22 14.84 7.28 7.27 8.23 8.64
Rank within category 19 26 20 8 16 15 22 12 18 20 20
Number of funds in category 34 37 37 37 36 34 34 31 31 28 26

As on 03-Aug-2021

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 12.59 8.12 7.24 2.25 38
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 13.67 9.37 9.27 1.74 3,287
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 21.34 9.91 8.48 1.87 2,525
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 20.42 10.13 8.42 1.15 1,845
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 19.80 11.19 9.49 2.10 678

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 7.83 4.89 0.76 0.79 0.67 0.54
VR MIP TRI 8.80 6.81 0.69 0.81 -- --
Hybrid: Conservative Hybrid 7.18 6.46 0.56 0.66 0.72 -0.31
Rank within category 12 8 12 13 13 13
Number of funds in category 31 31 31 31 31 31

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

As on 31-Jul-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 46
Number of Bonds 7
Average Maturity (yrs) 2.72
Top 10 Holdings (%) 70.09
Portfolio P/B Ratio 3.62
Portfolio P/E Ratio 25.80

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 29.04 - 33.30 29.04
equal 7.37% GOI 16/04/2023 GOI Securities SOV 13.99 - 16.51 13.99
equal 7.14% REC 2021 Bonds AAA 6.90 - 8.09 6.91
equal 8.50% National Bank Agr. Rur. Devp Debenture AAA 5.75 - 6.78 5.75
equal 6.45% GOI 2029 GOI Securities SOV 5.37 - 6.35 5.37
equal 8.18% Power Finance Corporation 19/03/2022 Debenture AAA 4.15 - 4.89 4.15
equal 6.00% Zee Entertainment 2022 Preference Shares -- 0.01 - 0.01 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 Infosys Technology 34.57 1.55 0.00 1.55
equal ICICI Bank Financial 24.58 1.61 0.34 1.31
equal HDFC Bank Financial 24.68 1.72 0.95 1.07
down Happiest Minds Technologies Technology 135.59 1.01 0.00 0.95
equal Reliance Industries Energy 29.56 1.52 0.68 0.92
equal KPR Mills Textiles 22.04 0.86 0.22 0.82
equal Sun Pharmaceutical Industries Healthcare 31.50 0.69 0.24 0.69
equal Larsen & Toubro Construction 18.51 0.82 0.43 0.67
equal Endurance Technologies Automobile 47.38 0.66 0.17 0.66
equal The Ramco Cements Construction 31.07 0.71 0.39 0.66
equal Dr. Reddy's Lab Healthcare 45.82 0.61 0.00 0.59
equal Ultratech Cement Construction 35.70 0.59 0.16 0.57
equal Brigade Enterprises Construction -- 0.58 0.18 0.53
equal APL Apollo Tubes Metals 62.31 0.52 0.00 0.52
equal HCL Technologies Technology 24.81 0.86 0.22 0.51
equal Tata Consultancy Services Technology 35.24 0.93 0.42 0.49
equal Ahluwalia Contracts Construction 33.88 0.46 0.22 0.46
equal Godrej Properties Construction -- 0.66 0.00 0.43
equal State Bank of India Financial 17.85 1.00 0.12 0.42
equal Hindustan Petroleum Corporation Energy 3.65 0.61 0.10 0.41
equal Jindal Steel & Power Metals 8.25 0.44 0.00 0.39
equal Sobha Construction 97.65 0.43 0.13 0.38
equal Trent Services -- 0.86 0.27 0.34
equal Axis Bank Financial 27.23 0.68 0.20 0.34
equal Bharti Airtel Communication 279.81 0.77 0.18 0.33

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-2021

Fund Manager

— Cheenu Gupta since 02-Jul-2021

Education: Ms. Gupta is CFA Charter holder (USA), PGDBM (Finance) & B.E. (I.T)

Experience: Prior to joining L&T Mutual Fund, she has worked with Canara Robeco Mutual Fund, Tata AIA Life Insurance Company as Fund Manager, ING Investment Management as Senior Research Analyst and UTI AMC Ltd. 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 Mutual Fund, 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.

Interviews:

Funds Managed:


0.18%

Change from previous, NAV as on 03-Aug-2021

Growth: ₹ 42.1486

IDCW Quarterly: ₹ 11.3004

IDCW Monthly: ₹ 11.4431


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
Lock-in Period Not Applicable
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: 8.31%
Benchmark: CRISIL Hybrid 85+15 Conservative TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 38 Cr (As on 30-Jun-2021)
Expense: 2.25% (As on 30-Jun-2021)
Risk Grade: Below Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly26-Jul-20210.0500

 25-Jun-20210.0500
 25-May-20210.0500
 26-Apr-20210.0500
 25-Mar-20210.0500
 25-Feb-20210.0500
 25-Jan-20210.0500
 28-Dec-20200.0500
 25-Nov-20200.0500
 26-Oct-20200.0500
 25-Sep-20200.0500
 25-Aug-20200.0500
 27-Jul-20200.0500
 25-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
IDCW Quarterly25-Jun-20210.2200

 19-Mar-20210.2200
 23-Dec-20200.2200
 24-Sep-20200.2200
 25-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

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: [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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