LIC MF Debt Hybrid Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Conservative Hybrid Fund

Fund House :

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 68.3278 -0.47%
(as on 27th January, 2023)

Crisil Rank

Average performance among peers

Fund Size

: ₹ 62.88 Cr

(0.27% of Investment in Category)

Expense Ratio

: 2.25%

(1.78% Category average)

Risk-O-Meter

Moderately High

Conservative Hybrid Fund :Conservative Hybrid Fund : The fund has 22.47% investment in domestic equities of which 19.17% is in Large Cap stocks, 1.11% is in Mid Cap stocks.The fund has 76.61% investment in Debt, of which 60.93% in Government securities, 15.68% is in Low Risk securities.

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This Scheme

VS

Nifty 50

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NA
-0.34%

0.78%

3.23%

4.26%

6.66%

5.85%

7.68%

NA
Gold

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Nifty 50 : -

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Profit/Loss

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Annualised Returns

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Returns (NAV as on 27th January, 2023)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	20-Jan-23	9959.30	-0.41%	-	-0.52%	4/22
1 Month	27-Dec-22	9962.60	-0.37%	-	-0.34%	13/22
3 Month	27-Oct-22	10025.70	0.26%	-	0.78%	17/22
6 Month	27-Jul-22	10214.60	2.15%	-	3.23%	19/22
YTD	30-Dec-22	9974.50	-0.25%	-	-0.37%	7/22
1 Year	27-Jan-22	10181.10	1.81%	1.81%	4.26%	18/21
2 Year	27-Jan-21	10831.80	8.32%	4.08%	6.66%	17/19
3 Year	27-Jan-20	11784.40	17.84%	5.62%	7.35%	15/19
5 Year	25-Jan-18	13074.00	30.74%	5.50%	5.85%	12/19
10 Year	24-Jan-13	19261.40	92.61%	6.77%	7.92%	17/19
Since Inception	02-Jun-03	40851.00	308.51%	7.42%	7.68%	14/23

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 27th January, 2023)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	27-Jan-22	12000	12193.34	1.61 %	2.98 %
2 Year	27-Jan-21	24000	24758.96	3.16 %	3.02 %
3 Year	27-Jan-20	36000	38582.2	7.17 %	4.54 %
5 Year	25-Jan-18	60000	69191.62	15.32 %	5.63 %
10 Year	24-Jan-13	120000	164525.34	37.1 %	6.14 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 3 years from purchase date, long term capital gain tax will be applicable. Current tax rate is the lower of (a) 10% of profit or (b) 20% of profit adjusted after indexation benefits. Any cess/surcharge is not included.|If sold before 3 years from purchase date, short term capital gain tax will be applicable. Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 31st Dec,2022)

Equity Holding : 22.47% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 22.47%

No of Stocks : 11 (Category Avg - 39.86) | Large Cap Investments : 19.17%| Mid Cap Investments : 1.11% | Small Cap Investments : 0% | Other : 2.19%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
ICICI Bank Ltd.	Banks	35.4	5.62%	-0.19%	5.81% (Nov 2022)	4.3% (Mar 2022)	39.69 k
Infosys Ltd.	Computers - software	29.2	4.64%	-0.22%	5.74% (Mar 2022)	4.18% (Sep 2022)	19.35 k
HDFC Bank Ltd.	Banks	13.5	2.15%	0.10%	2.15% (Dec 2022)	1.73% (Jun 2022)	8.31 k
Hindustan Unilever Ltd.	Diversified	12.1	1.93%	-0.02%	1.96% (Dec 2022)	1.5% (Mar 2022)	4.73 k
Reliance Industries Ltd.	Refineries/marketing	11.4	1.81%	-0.06%	1.97% (Apr 2022)	1.61% (Jan 2022)	4.46 k
Nestle India Ltd.	Consumer food	11.2	1.78%	0.01%	1.79% (Oct 2022)	1.52% (May 2022)	571.00
Mahindra & Mahindra Ltd.	Passenger/utility vehicles	10.5	1.68%	-0.01%	1.75% (Oct 2022)	1% (Mar 2022)	8.44 k
# LTIMindtree Ltd.	Computers - software	7	1.11%	0.00%	1.53% (Mar 2022)	0.99% (Jul 2022)	1.60 k
Bharti Airtel Ltd.	Telecom - services	5.8	0.93%	-0.01%	0.94% (Nov 2022)	0.74% (Jul 2022)	7.25 k
Tech Mahindra Ltd.	Software -telecom	4.9	0.78%	-0.02%	1.13% (Mar 2022)	0.74% (Jul 2022)	4.83 k

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 9 (Category Avg - 33.62) | Modified Duration 3.42 Years (Category Avg - 2.59)| Yield to Maturity 7.25% (Category Avg - 7.51%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	60.93%	37.53%
CD	7.61%	3.28%
T-Bills	0.00%	2.22%
CP	0.00%	1.68%
NCD & Bonds	8.07%	28.86%
PTC	0.00%	0.08%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	60.93%	39.75%
Low Risk	15.68%	32.45%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.31%
Net Receivables	Net Receivables	-0.39%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th December, 2022)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

4.79vs4.99

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

0.95vs0.84

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

-0.12vs0.13

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

-0.01vs0.01

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.8vs-0.26

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Conservative Hybrid Fund - Regular Plan - Growth	3	63.69	-0.44	0.41	2.45	21.66	13.12
Parag Parikh Conservative Hybrid Fund - Regular Plan - Growth	NA	1168.53	0.75	2.45	4.44	7.72	0.00
Aditya Birla Sun Life Regular Savings Fund- Regular Plan - Growth	3	1685.73	-0.37	0.52	2.95	5.70	9.41
Baroda BNP Paribas Conservative Hybrid Fund - Regular Plan - Growth (Adjusted NAV)	NA	510.70	-0.35	3.30	5.78	5.65	6.53
HDFC Hybrid Debt Fund - Growth	4	2751.35	-0.11	1.49	5.01	5.51	9.33
SBI Conservative Hybrid Fund - Regular Plan - Growth	5	6998.39	-0.35	0.39	4.01	4.86	10.09
Nippon India Hybrid Bond Fund - Growth	2	721.81	0.09	1.33	3.42	4.58	3.17
ICICI Prudential Regular Savings Fund - Growth	3	3291.28	-0.31	0.71	3.67	4.48	8.28
Kotak Debt Hybrid Fund - Growth	5	1637.43	-0.25	0.52	4.14	3.98	9.91
Franklin India Debt Hybrid Fund - Growth	4	254.77	-0.59	0.53	3.62	3.55	5.72

Detailed Comparison

More Funds from

Out of 31 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 3 is/are ranked 4 * , 8 is/are ranked 3 * , 9 is/are ranked 2 * , and 10 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
LIC MF Liquid Fund - Growth	3	5279.63	0.55	1.61	2.99	4.96	4.11
LIC MF Large & Mid Cap Fund - Growth	2	1917.84	-4.52	-7.55	-2.19	-4.98	11.38
LIC MF Nifty 8-13 yr G-Sec ETF	NA	1548.18	0.17	1.83	3.18	2.80	4.29
LIC MF Nifty 8-13 yr G-Sec ETF	NA	1548.18	0.17	1.97	3.46	3.24	4.71
LIC MF Banking & PSU Debt Fund - Growth	2	1239.17	0.43	1.50	2.24	3.29	4.57
LIC MF Balanced Advantage Fund - Regular Plan - Growth	NA	1092.30	-1.30	-0.07	3.76	4.12	0.00
LIC MF Savings Fund - Growth	3	711.63	0.49	1.46	2.55	4.02	4.81
LIC MF Large Cap Fund - Growth	2	683.12	-3.88	-3.24	2.53	-2.49	9.83
LIC MF Nifty 50 ETF	3	679.06	-2.90	-0.71	6.17	4.21	14.43
LIC MF Nifty 50 ETF	3	679.06	-2.90	-0.71	6.17	4.21	14.43