Sharpe ratio
0.37Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+6.17%1Y Absolute Return
-0.01%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 Low Duration Fund-Direct Plan-GrowthFund 5Y annualised return | ₹8,59,103 | ₹7,32,612 | ₹1,26,491 | +6.60% |
| 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 age13.9 yrs
Fund information
Scheme code120315
ISININF767K01FM8
BenchmarkCRISIL Low Duration Debt A-I Index
CategoryDebt Scheme - Low Duration Fund
Expense ratio0.23%
Exit loadNil
Minimum SIP₹200 SIP
Return comparison
1st / 226 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.38% | — | — |
| 3M | +5.22% | — | — |
| 6M | +6.95% | — | — |
| 1Y | +6.17% | — | +2.45% |
| 3Y | +7.29% | — | +3.20% |
| 5Y | +6.60% | — | +3.00% |
| 10Y | +6.44% | — | — |
| Since Launch | +7.17% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.44Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
0.61%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
1.16How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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%
Debt93.86%
Cash6.14%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 51 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Repo | Unspecified | Repo | 6.9887% |
| GOVERNMENT OF INDIA 37391 091 DAYS TBILL 23JL26 FV RS 100 | Financial | Treasury Bills | 5.8444% |
| PUNJAB NATIONAL BANK CD 09MAR27 | Financial | Certificate of Deposit | 5.6012% |
| REC LIMITED SR 231A 7.64 BD 30AP27 FVRS1LAC | Financial | Non Convertible Debenture | 4.467% |
| ICICI BANK LIMITED CD 27JAN27 | Financial | Certificate of Deposit | 3.3859% |
| 360 ONE PRIME LIMITED 8.75 NCD 10SP27 FVRS1LAC | Financial | Debenture | 3.1381% |
| BHARTI TELECOM LIMITED SR XXV 7.35 NCD 15OT27 FVRS1LAC | Technology | Debenture | 3.0646% |
| 360 ONE PRIME LIMITED RR NCD 25JL28 FVRS1LAC | Financial | Debenture | 2.9625% |
| GOVERNMENT OF INDIA 36241 364 DAYS TBILL 23JL26 FV RS 100 | Financial | Treasury Bills | 2.9222% |
| REC LIMITED SR 250A 6.60 BD 30JU27 FVRS1LAC | Financial | Debenture | 2.9154% |
Fund management
PR
Pratik Harish Shroff
Since 2025 · 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
RA
Rahul Singh
Since 2015 · Prior to joining LIC Nomura Mutual Fund , he has worked with BOI AXA Investment Managers(August 2009-August 2015) , ING Investment Management (May 2008- August 2009) Standard Chartered Bank (intern)( April 2007- May 2007) and Ashika Capital ( Jan 2004 - April 2006).
Mr. Singh is a B.Sc Economic Hons.and holds a PGDM from IIM-A.
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk debt scheme - low duration fund. Recovered from its worst fall in 5 months. Financial makes up 80% — trouble in that sector hits the whole fund.
Strengths
- Recovered from its worst fall in 5 months.
- Same fund manager for 11+ years — the strategy has not chopped and changed.
- Ranks 1 of 226 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its low to moderate risk level.
Risk drivers
- Financial makes up 80% — trouble in that sector hits the whole fund.