Sharpe ratio
0.28Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+2.11%1Y Absolute Return
-0.10%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| LIC MF Conservative Hybrid Fund-Direct Plan-GrowthFund 5Y annualised return | ₹8,33,057 | ₹7,32,612 | ₹1,00,445 | +5.35% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.8 yrs
Fund information
Scheme code120276
ISININF767K01EO7
BenchmarkCRISIL Hybrid 85+15 Conservative Index
CategoryHybrid Scheme - Conservative Hybrid Fund
Expense ratio1.20%
Exit loadExit Load for units in excess of 12% of the investment,1% will be charged for redemption within 90 days.
Minimum SIP₹200 SIP
Return comparison
27th / 104 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +20.93% | — | — |
| 3M | -3.75% | — | — |
| 6M | +6.49% | — | — |
| 1Y | +2.11% | — | -0.90% |
| 3Y | +6.72% | — | +3.51% |
| 5Y | +5.35% | — | +2.85% |
| 10Y | +6.57% | — | — |
| Since Launch | +7.36% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.41Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
3.64%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.93How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt75.78%
Equity18.26%
Cash5.96%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 22 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 33618 GOI 13NV30 7.32 FV RS 100 | Entities | GOI Securities | 11.1996% |
| GOI Sec 7.17 17/04/2030 | Entities | GOI Securities | 11.1844% |
| STATE DEVELOPMENT LOAN 33529 TN 18OT33 7.65 FV RS 100 | Unspecified | State Development Loan | 11.0867% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 10.947% |
| Nuclear Power Corpn. Of India Ltd Debenture 8.13 28/03/2028 | Energy & Utilities | Debenture | 8.9345% |
| HDFC BANK LIMITED CD 05AUG26 | Financial | Certificate of Deposit | 8.5326% |
| Repo | Unspecified | Repo | 6.0299% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 192 BD 01DC35 FVRS1LAC | Financial | Bonds | 5.846% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 4.3704% |
| HDFC Bank Ltd | Financial | Equity | 3.7135% |
Fund management
PR
Pratik Harish Shroff
Since 2023 · Prior to joining LIC Mutual Fund, he was associated with CTBC Bank Ltd, IndusInd Bank Ltd, Industrial and Commercial Bank of China, Tata Mutual Fund and LKP Securities
Mr. Shroff has done B.Com, M.Com, CFA, FRM and Executive Programme in Applied Finance – IIM, Calcutta
SI
Siddharth Panjwani
Since 2026 · Prior to joining the LIC AMC, he was associated with People Hum Technologies Pvt Ltd, Engati Technologies Pvt Ltd, PiMonk Tech Pvt Ltd, Quinbay Technologies Pvt Ltd, Pickright Technologies Pvt Ltd, Quintessential Investment Advisors LLP and Lazard Asset Management.
CFA Institute, USA, MBA - Carnegie Mellon University, B.E., Computer Science
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk hybrid scheme - conservative hybrid fund. Ahead of its category average over 3Y by 3.2 points. Ranks 27 of 104 in its category over 1 year.
Strengths
- Ahead of its category average over 3Y by 3.2 points.
- Recovered from its worst fall in 3 months.
- Well spread out — top 10 holdings are only 18% of the portfolio.
Weaknesses
- None
Ideal investor
- Needs a 2–3+ years horizon to ride out its moderate risk level.
Risk drivers
- None