LIC MF Conservative Hybrid Fund-Regular Plan-Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Over 28 years of operational history across different market cycles.
- Expense ratio (2.22%) is higher than category median (1.89%), which creates fee drag over time.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +1.45% | +1.94% | -0.49% |
| 3 Months | -0.98% | +0.03% | -1.01% |
| 6 Months | +2.15% | +2.40% | -0.25% |
| 1 Year | +1.35% | +2.66% | -1.31% |
| 3 Years CAGR | +5.75% | +6.99% | -1.24% |
| 5 Years CAGR | +4.47% | +6.45% | -1.98% |
| 7 Years CAGR | +5.77% | +7.69% | -1.92% |
| 10 Years CAGR | +5.63% | +6.77% | -1.14% |
| Since Inception | +6.47% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in LIC MF Conservative Hybrid Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +0.75% | +2.59% | -1.84% |
| 2025 | +5.28% | +6.07% | -0.79% |
| 2024 | +8.18% | +10.16% | -1.98% |
| 2023 | +7.30% | +10.90% | -3.60% |
| 2022 | +0.92% | +3.04% | -2.12% |
| 2021 | +7.42% | +9.98% | -2.56% |
| 2020 | +9.89% | +10.19% | -0.30% |
| 2019 | +9.14% | +6.88% | +2.26% |
| 2018 | +1.08% | +0.32% | +0.76% |
| 2017 | +6.62% | +10.97% | -4.35% |
| 2016 | +10.21% | +9.05% | +1.16% |
| 2015 | +4.13% | +6.27% | -2.14% |
| 2014 | +11.38% | +20.04% | -8.66% |
| 2013 | +8.53% | +5.37% | +3.16% |
| 2012 | +10.16% | +15.25% | -5.09% |
| 2011 | -2.44% | -0.32% | -2.12% |
| 2010 | +5.14% | +7.00% | -1.86% |
| 2009 | +17.25% | +20.50% | -3.25% |
| 2008 | -7.14% | -6.69% | -0.45% |
| 2007 | +18.60% | +18.43% | +0.17% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -8.48% | +6.80% | +6.92% | +21.00% | 95.6% | - |
| 3-Year Rolling | +3.23% | +6.70% | +6.41% | +11.15% | 100.0% | - |
| 5-Year Rolling | +3.93% | +6.61% | +6.55% | +8.90% | 100.0% | - |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2008-01-04 | 2008-10-27 | -11.9% | 10 months | 7 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Debt/Money Market :75-90%, Equity and Equity related instruments*:10-25%, Units issued by Infrastructure Investment Trusts (InvITs)*, Exchange Traded Commodity Derivatives(ETCDs), and mutual fund units including Gold ETFs, Silver ETFs.:0-10%. Please refer the Scheme Information Document for complete details. | Per Scheme Mandate |
Investment Objective & Strategy
The investment objective of the Scheme is to generate regular income by investing mainly in a portfolio of quality debt securities and money market instruments. It also seeks to generate capital appreciation by investing some percentage in a mix of equity instruments. There is no assurance that the investment objective of the Scheme will be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 45.8 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Conservative Hybrid schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Non-equity oriented schemes (e.g. Conservative Hybrid): Capital gains are added to taxable income and taxed at your applicable income tax slab rates regardless of the holding period.
Closest Conservative Hybrid Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| BANK OF INDIA Conservative Hybrid Fund | 2.5 | +5.92% | 2.27% | - | Rs 70.3 cr | Compare → |
| Sundaram Conservative Hybrid Fund Formerly Known as Sundaram Debt Oriented Hybrid Fund | 2.2 | +4.82% | 1.86% | - | Rs 20.0 cr | Compare → |
| Axis Conservative Hybrid Fund | 3.5 | +5.94% | 2.15% | - | Rs 217 cr | Compare → |
| BANDHAN Conservative Hybrid Fund | 4.1 | +6.77% | 1.94% | - | Rs 85.2 cr | Compare → |
| CANARA ROBECO CONSERVATIVE HYBRID FUND | 3.7 | +6.84% | 1.89% | - | Rs 817 cr | Compare → |
Frequently Asked Questions about LIC MF Conservative Hybrid Fund
What is the expense ratio of LIC MF Conservative Hybrid Fund?
LIC MF Conservative Hybrid Fund has a total expense ratio (TER) of 2.22% with a base expense ratio of 1.82%, compared to the Conservative Hybrid category median of 1.89%.
Who manages LIC MF Conservative Hybrid Fund?
LIC MF Conservative Hybrid Fund is managed by Pratik Harish Shroff (tenure: 3.1 years since 2023-09-26).
What are the historical returns of LIC MF Conservative Hybrid Fund?
LIC MF Conservative Hybrid Fund delivered a 3-year CAGR of 5.75% and a 5-year CAGR of 4.47%. Its 1-year return stands at +1.35%.
How large is LIC MF Conservative Hybrid Fund?
LIC MF Conservative Hybrid Fund manages assets of Rs 45.8 cr, placing it in the 'small' size band relative to Conservative Hybrid peers.
How is LIC MF Conservative Hybrid Fund scored on MFIQ?
LIC MF Conservative Hybrid Fund holds an MFIQ Score of 2.2/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is LIC MF Conservative Hybrid Fund?
LIC MF Conservative Hybrid Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 3.49% with a maximum historical drawdown of -11.93%.