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3 star

LIC MF Debt Hybrid Fund


1 Lakh

Investment Grown to
₹ 1.30 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.19 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 6.87 0.18 0.63 1.35 4.42 7.02 13.82 9.03 6.87 7.25 7.56
VR MIP TRI 11.65 0.08 0.75 3.65 6.08 10.23 23.11 11.43 9.67 9.37 9.91
Hybrid: Conservative Hybrid 9.45 -0.11 0.35 2.24 4.26 7.97 17.81 8.81 7.25 8.19 8.99
Rank within category 26 1 4 33 13 21 25 16 21 24 23
Number of funds in category 33 36 36 36 36 35 33 30 30 28 26

As on 24-Sep-2021

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  | Invest Online
3 star
Jun-98 13.82 9.03 6.87 2.27 83
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 22.42 11.82 8.28 1.39 3,890
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 15.97 10.99 9.43 1.72 3,339
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 24.13 10.95 8.13 1.87 2,605
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 22.70 13.29 9.41 2.00 931

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.88 27-Oct-2008 - 04-Nov-2008 -4.58 11-Mar-2020 - 18-Mar-2020
Month 5.82 14-Sep-2007 - 16-Oct-2007 -8.01 20-Feb-2020 - 23-Mar-2020
Quarter 11.81 09-Mar-2009 - 10-Jun-2009 -7.19 02-Sep-2008 - 02-Dec-2008
Year 21.30 02-May-2005 - 02-May-2006 -8.07 03-Dec-2007 - 02-Dec-2008

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.95 4.03 0.97 1.18 0.50 1.09
VR MIP TRI 9.70 7.04 0.80 0.99 -- --
Hybrid: Conservative Hybrid 7.47 6.50 0.63 0.73 0.69 -0.49
Rank within category 14 2 5 5 4 8
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-Aug-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 12
Number of Bonds 8
Average Maturity (yrs) 1.42
Top 10 Holdings (%) 91.08
Portfolio P/B Ratio 5.58
Portfolio P/E Ratio 36.62

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 32.25 - 48.09 32.25
equal Reserve Bank of India 91-D 02/09/2021 Treasury Bills SOV 0.00 - 24.48 24.07
equal Reserve Bank of India 91-D 23/09/2021 Treasury Bills SOV 0.00 - 13.44 13.22
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 3.10 3.07
equal Reserve Bank of India 91-D 16/09/2021 Treasury Bills SOV 0.00 - 1.22 1.20
equal 8.30% GOI 2040 Central Government Loan SOV 0.83 - 0.91 0.83
new Reserve Bank of India 182-D 25/11/2021 Treasury Bills SOV 0.00 - 0.60 0.60
equal 8.49% NTPC 25/03/2025 Bonds/NCDs AAA 0.08 - 0.09 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 35.90 6.16 2.86 6.16
equal ICICI Bank Financial 25.14 4.45 2.22 3.99
equal L&T Infotech Technology 52.19 2.61 0.00 2.61
equal HDFC Bank Financial 27.44 1.98 0.00 1.98
equal Hindustan Unilever FMCG 78.43 1.92 0.00 1.92
equal Nestle India FMCG 86.00 1.81 0.00 1.81
equal Tech Mahindra Technology 29.63 3.56 0.84 1.74
equal Reliance Industries Energy 35.08 1.58 0.83 1.36
equal Sanofi India Healthcare 31.48 1.13 0.70 1.00
equal Mahindra & Mahindra Automobile 42.29 1.04 0.45 0.94
equal Bharti Airtel Communication 376.45 0.72 0.00 0.72
equal Abbott India Healthcare 63.88 0.56 0.00 0.46
equal Reliance Industries Ltd - Partly Paid Equity Energy -- 0.06

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-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:

— 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:


0.18%

Change from previous, NAV as on 24-Sep-2021

Growth: ₹ 67.5285

IDCW Yearly: ₹ 12.8387

More

IDCW Quarterly: ₹ 12.5878

IDCW Monthly: ₹ 12.2376


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 (₹) --
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: 01-Jun-1998
Return Since Launch: 8.53%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 83 Cr (As on 31-Aug-2021)
Expense: 2.27% (As on 31-Aug-2021)
Risk Grade: Below Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly25-Aug-20210.0600

 26-Apr-20210.0300
 24-Feb-20210.0600
 28-Jan-20210.0600
 29-Dec-20200.0200
 25-Nov-20200.0400
 29-Sep-20200.0500
 27-Aug-20200.0600
 29-Jul-20200.0600
 25-Jun-20200.0600
 25-Feb-20200.0432
 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-20190.0144
 04-Sep-20180.0360
 30-Jul-20180.0144
 28-May-20180.0360
 27-Apr-20180.0216
 23-Mar-20180.0361
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
 14-Jun-20110.3083
 09-Mar-20101.1387
 28-Mar-20081.4015
 30-Mar-20070.7883
 31-Mar-20061.2278
 31-Mar-20050.8402
 31-Mar-20040.8500
 31-May-20010.8850
 31-May-20001.1300
 31-May-19991.3500
IDCW Quarterly30-Sep-20200.1800

 26-Jun-20200.1800
 31-Dec-20190.1297
 25-Sep-20190.1297
 26-Jun-20190.1297
 27-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
 29-Mar-20160.1445
 14-Jan-20160.1445
 28-Sep-20150.1445
 28-Jun-20150.1445
 23-Mar-20150.1452
 29-Dec-20140.1815
 16-Oct-20140.1815
 19-Aug-20140.1169
 23-Jun-20140.0390
 25-Mar-20140.3896
 24-Sep-20130.0779

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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