one resolution sip - licmf

JANUARY 2021

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.

/LICMutual /company/LICMutual/LICMutual 1800-258-5678Connect with us: www.licmf.com

Happy New YearLet the year ahead be the onewhere your dreams come true.

*(Systematic Investment Plan) SIP facility is generally available in Daily, Monthly & Quarterly frequency

OneResolutionStart An

SIP

MARKET REVIEW

Mr. Yogesh Patil

Fund Manager - Equity

₹

2

EQUITY DEBTMarket Review

Ÿ MPC Policy was a non event as policy rates remain unchanged with Repo Rate at 4% and Reverse Repo rate at 3.35%. Though some expected CRR to reverse to 4% considering overnight rates going below 3% due to excess liquidity, RBI maintained CRR also at 3% for the time being. Governor maintained that rural demand continues to show improvement with urban demand catching up, however he revised its expectation of real GDP contraction from 9.5% to 7.5%in FY21. Governor stated that it expects GDP growth for Q3 & Q4 to move into positive territory.

Ÿ In light of rising CPI print, Policy was expected to be pro inflation, however the policy was pro liquidity and pro growth. Except for upward revision of CPI estimates for FY21, there was not enough communication with respect to how RBI plans to tackle it. Rather there were a number of Pro liquidity announcements. The central bank plans to conduct special and outright bond purchases and announced on-tap TLTRO for ₹ 1 lakh crore at 4 percent till March 2021, besides, OMO worth ₹ 20,000 crore.

Ÿ Beyond the usual growth, inflation and policy rationale, the December RBI policy minutes shed light on increasing complexities arising out of (1) low short-term rates and sustained negative real interest rates, (2) macro-financial stability given liquidity, credit, and money supply, and (3) unequal pricing power among firms. A much-needed case was made for flexible inflation targeting framework and the gains seen out of it.

Ÿ Second round of Coronavirus infections has led to ultra-accommodative global monetary policy to persist in 2021 as the recovery remains policy dependent. ECB expanded policy accommodation to limit the downside risk to growth with renewed lockdowns in European countries. The PEPP was increased by €500bn and net purchases were extended to at least the end of March 2022.

Ÿ Meanwhile, BoJ extended asset purchase program till Sept 2021. The US Fed assured markets of continued accommodation and provided enhanced guidance on its asset purchase program, which will continue until substantial progress has been made toward maximum employment and price stability goals.

Ÿ Global steel prices have risen to multi-year highs, as demand outstrips supply, led by strong rebound in China and iron ore supply disruptions. Meanwhile, Brent crude oil prices rise to US$51pb, on the back of recovery hopes as well as supply side management by OPEC+, which has helped reduce the inventory build-up.

Outlook

Ÿ MPC members' outlook on inflation has become much more uncertain, with cost

push pressures such as elevated retail margins likely to persist. The supply side

disruptions come at a time when output gap remains negative. However, once the

recovery takes hold there is a risk that the cost push inflation could get generalized.

Ÿ Hence, the window to address the supply-side disruptions is small and RBI's

ability to look through inflation pressures has narrowed considerably. We expect RBI

to remain on hold and maintain accommodative stance into FY22. CY2021 will be

marked with hopes for (1) early roll-out of the Covid-19 vaccine, (2) normalization of

activities, and (3) unperturbed growth recovery.

Ÿ India will see a slow cyclical recovery along with inflation gradually easing

though not enough to sustain the accommodative stance. Interest rates will likely

harden with no rate cuts and persistent fiscal pressure. Key risks will be steering

through any financial sector stress, reviving the weak investment cycle, and any

adverse global liquidity issues.

Mr. Marzban Irani

CIO - Fixed Income

₹

Market Review

Ÿ The Indian economy and the sentiments are improving led by positive developments on Covid-19 vaccinations. The supply side challenges have recovered significantly, however; demand aggregates appear challenging. During the month, equity market saw appreciation with BSE Sensex rising by 8.2% month-on-month and CNX Nifty rising by 7.8% for the same month.

Ÿ On the macro front, CPI Inflation declined to 6.93% in November vs 7.61% in October 2020. The country's Index of Industrial Production (IIP) continued to grow at 3.6% in October vs 0.2% in September 2020. Sector-wise indices – BSE Realty, BSE Metal, BSE Consumer Durables, BSE IT, BSE Capital Goods, BSE 100, BSE 200, BSE 500, BSE FMCG, BSE Small-Cap, BSE Healthcare, BSE Oil & Gas, BSE Mid-Cap, BANKEX, BSE Auto and BSE Power rose by 20.2%, 13.5%, 12.4%, 12.1%, 10.1%, 8.0%, 7.8%, 7.7%, 7.5%, 7.2%, 6.7%, 6.3%, 6.1%, 5.9%, 3.4% and 3.1% respectively.

Capital flows:

FIIs were net buyers in the equity to the tune of ₹ 53,500 crores (US$ 7,267mn) in

December 2020. Cumulatively, FIIs bought equity worth ₹ 1,73,338 crores

(US$ 23,436mn) in last twelve months i.e., from January'20-Decemeber'20 and DII

sold equity worth ₹ 46,483 crores (US$ 6,244mn) for the same period. (As on 31st

December 2020, Source: SEBI) (December 2020 Avg. 1 USD = INR 73.6223).

Outlook

Ÿ The month gone by saw the emergence of the new Covid-19 strain in the UK

which prompted many countries to impose travel restrictions on the UK. However,

these were subsequently lifted by the end of the month. We finally see most of the

developed economies giving emergency approvals for the vaccines.

Ÿ 2020 was rather an eventful year. We saw the indices peaking in February

before the virus spread from China to most parts of the globe, India being no

different and it took merely 30 trading days for the Nifty index to reach the year's

low. However, the speed of the recovery was also surprising and demonstrated the

confidence in the potential of the Indian economy. While it took Nifty index 165 days

to reach the previous high mark, it had recovered most of the losses. In

comparison, the drawdown in 2008 was more prolonged and it took a lot longer for

the index to reach the previous high-water mark in 2009.

Ÿ As we enter 2021, we expect to see strong demand recovery in the domestic

economy with the backbone being strong foreign exchange reserves accretion

during the pandemic. Surplus liquidity in the system has ensured all-time low

interest rates acting as a catalyst and is also aiding RBI in facilitating Government's

capital expenditure plans and enhanced borrowings.

Ÿ Rural demand is likely to be robust on account of two consecutive years of good

agri-production, healthy food prices, MSP hikes, MGNREGA support etc. We are

also seeing consolidation of market share in the hands of few with strong balance

sheet and efficient supply chain. Pandemic has in a way catalyzed the process of

shift from unorganized to organized businesses and the benefits of government's

policies like demonetization, GST etc. are likely to be seen going forward.

Ÿ Lockdowns gave managements an opportunity to take a zero-base approach

to looking at overheads. Managements believe that even in a 'return to normalcy'

scenario, they can effect structural changes to their cost structure by managing

their fixed costs components. However, near term growth impulses are still weak

with households preferring savings over consumption, government spending

constrained and corporate sector deferring capital expenditure.

Ÿ We believe, India is well placed among its global peers and going forward a)

industry consolidation, b) technological adoption, c) structural industrial changes,

d) government reforms. e) focus on domestic manufacturing and f) cost saving

measures are likely to drive the Indian equity market.

Ÿ We prefer to focus on existing leaders who are likely to disrupt/ innovate in their

business to ensure that their leadership or competitive advantage remains strong.

Value creation imperatives in investment viz, high standards of governance, high

capital efficiency, strong moats and sustainable growth are unlikely to change.

RISKOMETER

Name Of The SchemeThe Product Is Suitable For Investors Who Are Seeking *

Riskometer

LIC MF Large Cap Fund

LIC MF Multicap Fund

LIC MF Large & Mid Cap Fund

LIC MF Infrastructure Fund

LIC MF Tax Plan

LIC MF Index Fund-Sensex Plan

LIC MF Index Fund-Nifty Plan

LIC MF Exchange Traded Fund - Nifty 50

LIC MF Exchange Traded Fund - Sensex


3

Ÿ Long Term Capital AppreciationŸ A Fund that primarily invest in large-cap stockŸ Risk - Very High

Ÿ Long Term Capital AppreciationŸ Investing in Large, Mid & Small-cap stocksŸ Risk - Very High

Ÿ Long Term Capital AppreciationŸ A Fund that primarily invest in large and mid-cap

stocksŸ Risk - Very High

Ÿ Capital appreciation over long termŸ Investment predominantly in a portfolio of equity

and equity related securities of companies engaged in banking and financial services.

Ÿ Risk - Very High

Ÿ Long Term Capital GrowthŸ Investment in equity and equity related instruments

of companies engaged either directly or indirectly in infrastructure sector.

Ÿ Risk - Very High

Ÿ Long Term Capital GrowthŸ Investing in equity and equity related securities.Ÿ Risk - Very High

Ÿ Long Term Capital Growth

Ÿ Investment in equity instrument of S&P BSE Sensex

Index stocks subject to tracking error.

Ÿ Risk - Very High

Ÿ Long Term Capital Growth

Ÿ Investment in equity instrument of NIFTY 50 Index

stocks subject to tracking error.

Ÿ Risk - Very High

Ÿ Long Term InvestmentŸ Investment in securities covered by NIFTY 50

Index, subject to tracking errors.Ÿ Risk - Very High

Ÿ Long Term InvestmentŸ Investment in securities covered by S&P BSE

SENSEX, subject to tracking errors.Ÿ Risk - Very High

Ÿ Long Term InvestmentŸ Investment in equity and equity related securities

and portfolios replicating the composition of NIFTY 100 Index, subject to tracking errors.

Ÿ Risk - Very High

LIC MF Banking & Financial Services Fund

LIC MF Children’s Gift Fund

LIC MF Equity Hybrid Fund

SchemeLIC MF Unit Linked Insurance

Ÿ Long term capital appreciation with current income.Ÿ A fund that invests both in stocks and fixed income

instruments. Ÿ Risk - Very High

Ÿ Long term capital appreciation and current income.Ÿ Investment in equity and equity related securiries,

fixed income securities (debt and money market securities).

Ÿ Risk - Very High

Ÿ Long term capital appreciation and current income

Ÿ A fund that invests both in stocks and fixed income instruments.

Ÿ Risk - Very High

Low

Low toModerate

Moderate ModeratelyHigh

High

Very High

RISKOMETER HIGHLOW

Investors understand that their principalwill be at Very High risk

*Investors should consult their financial advisors if in doubt about whether the product is suitable for them. For scheme related details, including updation in Riskometer (if any) may please be referred on our website www.licmf.com

http://www.licmf.com

Name Of The SchemeThe Product Is Suitable For Investors Who Are Seeking *

Riskometer

LIC MF Government SecuritiesFund

LIC MF Debt Hybrid Fund

LIC MF Bond Fund

LIC MF Banking & PSU Debt Fund

LIC MF Savings Fund

RISKOMETER

4

Ÿ Long term capital appreciation and current incomeŸ Investment in sovereign securities issued by

Central/ State Government.Ÿ Risk - Moderate

Ÿ Medium term capital appreciation with current income

Ÿ A fund that invests predominantly in debt instruments with marginal equity exposure.

Ÿ Risk - Moderately High

Ÿ Income over medium to long termŸ To generate income/capital appreciation through

investments in Debt and Money market instruments.

Ÿ Risk - Moderate

Ÿ Regular income for medium term capital appreciation with current income

Ÿ An income fund that invests predominantly in debt and money market instruments issued by Banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds.

Ÿ Risk - Moderate

Ÿ Regular Income for short termŸ A fund that focuses on low duration securities.Ÿ Risk - Low to Moderate

*Investors should consult their financial advisors if in doubt about whether the product is suitable for them. For scheme related details, including updation in Riskometer (if any) may please be referred on our website www.licmf.com

LIC MF G-Sec Long Term Exchange Traded Fund

Ÿ Medium to long term regular incomeŸ Investment in securities in line with Nifty 8-13 yr

G-Sec Index to generate comparable returns subject to tracking error.

Ÿ Risk - Moderate

LIC MF Short Term Debt Fund

LIC MF Ultra Short Term Fund

Ÿ Generation of reasonable returns over short to medium term.

Ÿ Investment in Debt securities and money market instruments.

Ÿ Risk - Moderate

Ÿ Regular income over short term.

Ÿ Investment in Debt & Money Market Instruments such that the Macaulay Duration of the portfolio is between 3 months - 6 months.

Ÿ Risk - Low to Moderate

Exchange Traded Fund

LIC MF Arbitrage Fund Ÿ Income over a short term investment horizon.

Ÿ Income through arbitrage opportunities between cash and derivative market and arbitrage opportunities within the derivative segment of the equity market.

• Risk - Low

LIC MF Liquid Fund

LIC MF Overnight Fund

Ÿ Regular income for short termŸ Investment in debt / money market instruments

with maturity of upto 91 days. Ÿ Risk - Low to Moderate

Ÿ Regular income with high levels of safety and liquidity over short term

Ÿ Investment in debt and money market instruments with overnight maturity.

Ÿ Risk - Low

Low

Low toModerate


High

Very High

RISKOMETER HIGHLOW

Investors understand that their principal will be atModerately High risk

Low

Low toModerate


High

Very High

RISKOMETER HIGHLOW

Investors understand that their principalwill be at Moderate risk

Low

Low toModerate


High

Very High

RISKOMETER HIGHLOW

Investors understand that their principalwill be at Low risk

Low

Low toModerate


High

Very High

RISKOMETER HIGHLOW

Investors understand that their principal willbe at Low to Moderate risk

http://www.licmf.com

To achieve long term capital appreciation by investing in diversified portfolio predominantly consisting of

equity and equity related securities of Large Cap companies including derivatives. However there can be no

assurance that the investment objective of the scheme will be achieved.

stAbove returns are as on 31 December, 2020. Past performance may or may not be sustained in the future. # Nifty 100 TRI, ## Nifty 50 TRI. Assuming ₹ 10,000/- invested

systematically on the first Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using XIRR method (investment

internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment simulation is for illustrative

purpose only and should not be construed as a promise on minimum returns and safeguard of capital. The Mutual Fund is not guaranteeing or promising or forecasting any

returns. NA : Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index. * Scheme data & TRI value of the Index are not available for

since inception, hence performance for such period is not available.

SCHEME PERFORMANCE

SIP PERFORMANCE

PORTFOLIO AS ON 31.12.2020

INVESTMENT OBJECTIVESCHEME FEATURES

SECTOR ALLOCATION (% of NAV)

Company % of NAV Company % of NAV

SIP Investments 1 Year 3 Years 7 Years5 Years 10 Years Since Inception*

Total Amount Invested ( )₹ 1,20,000 3,60,000 8,40,0006,00,000 12,00,000 NA

Market Value as on December 31, 2020 ( ) ₹ 1,51,221 4,61,062 12,71,6078,34,272 22,34,142 NA

Returns (CAGR) (%) 51.50 16.73 11.6413.14 11.94 NA

Benchmark Returns (CAGR) (%) #

Additional Benchmark Returns (CAGR) (%) ##

59.18

60.66

16.84 12.96

17.61 13.10

14.31

14.89

13.11

12.91

NA

NA

5

Scheme Nifty 100 TRI* Nifty 100 TRI* Nifty 50 TRI** Nifty 50 TRI** Scheme

1 Year 13.77 16.03 16.09 11,381 11,608 11,614

3 Years 9.61 9.98 11.28 13,180 13,314 13,790

5 Years 11.31 13.17 13.39 17,094 18,577 18,754

Since Inception 4.67 NA 10.45 33,271 NA 1,37,223

CAGR (%)Value of lumpsum investment of 10,000/- invested ₹

on inception datePeriod

stAbove returns are as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth th

option. Mr. Yogesh Patil is managing the above scheme from 18 September, 2020 and total no. of schemes managed by him is 11. Also, Ms. Ritu Modi is co managing the above

scheme from 1st November, 2019 and total no. of schemes managed by her is 7. Past performance may or may not be sustained in the future. Load is not taken into

consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the scheme was launched before the launch of

the benchmark index, benchmark index figures since inception or the required period are not available.* Benchmark, ** Additional Benchmark. NA : Not Available. The

performance of the scheme is benchmarked to the Total Return variant of the index. For detailed disclaimer, please refer page no 33.

Factsheet January, 2021

Scheme Type: An open ended equity scheme predominantly investing in Large Cap stocks.

Date of allotment: September 01, 1994

Fund Size:

AUM as on 31/12/2020: ₹ 485.68 CrAverage AUM for December 2020: ₹ 471.17 Cr

Benchmark: Nifty 100 TRI

Minimum Investment (lumpsum): ₹ 5,000/-

Fund Manager:Name: Mr. Yogesh Patil;Experience: 11+ years

NAV as on December 31, 2020:NAV Regular Plan Direct Plan

Growth ₹ 33.2713 ₹ 35.7934

Dividend ₹ 20.0932 ₹ 23.7473

Expense Ratio:Regular: 2.61% Direct: 1.42%(for detailed bifurcation on TER, please see page no 32)

Annual Portfolio Turnover Ratio: 0.23 times

Risk Measures:Standard Deviation 5.63Portfolio Beta 0.88Sharpe Ratio 0.1235

Load Structure:Entry Load - NIL

Exit Load

Ÿ 12% of the units allotted shall be redeemed or switched out without any exit load, on or before completion of 12 months from the date of allotment of units.

Ÿ 1% on remaining units if redeemed or switched out on or before completion of 12 months from the date of allotment of units.

Ÿ Nil, if redeemed or switched out after completion of 12 months from the date of allotment of units.

Top 10 holdings

Co-Fund Manager:Name: Ms. Ritu Modi;Experience: 9+ years

23.61%

16.13%

16.13%

10.95%

5.66%

5.59%

5.58%

3.83%

3.05%

2.86%

2.43%

1.12%

Banks

Finance

Software

Consumer Non Durables

Pharmaceuticals

Petroleum Products

Retailing

Auto

Cement

Telecom - Services

Consumer Durables

Construction Project

Equity Holdings

Auto 3.83%

Maruti Suzuki India Ltd. 2.46%

Mahindra & Mahindra Ltd. 1.36%

Banks 23.61%

HDFC Bank Ltd. 8.87%

ICICI Bank Ltd. 8.65%

Kotak Mahindra Bank Ltd. 6.09%

Cement 3.05%

Shree Cement Ltd. 1.54%

Ultratech Cement Ltd. 1.51%

Construction Project 1.12%

Larsen & Toubro Ltd. 1.12%

Consumer Durables 2.43%

Titan Company Ltd. 2.43%

Consumer Non Durables 10.95%

Hindustan Unilever Ltd. 3.41%

Nestle India Ltd. 2.12%

Asian Paints Ltd. 1.99%

Tata Consumer Products Ltd. 1.79%

United Spirits Ltd. 1.64%

Finance 16.13%

Bajaj Finance Ltd. 7.31%

HDFC Ltd. 3.77%

Bajaj Finserv Ltd. 3.01%

ICICI Lombard General Ins Co. Ltd. 1.06%

ICICI Prudential Life Ins Co Ltd. 0.98%

Petroleum Products 5.59%

Reliance Industries Ltd. 5.52%

Reliance Industries Ltd. Partly Paid Up Fv2.5 0.07%

Pharmaceuticals 5.66%

Divi's Laboratories Ltd. 2.26%

Torrent Pharmaceuticals Ltd. 1.58%

Cipla Ltd. 0.76%

Biocon Ltd. 0.75%

Dr. Reddy's Laboratories Ltd. 0.30%

Retailing 5.58%

Avenue Supermarts Ltd. 5.58%

Software 16.13%

Infosys Ltd. 9.00%

Tata Consultancy Services Ltd. 6.18%

Wipro Ltd. 0.95%

Telecom - Services 2.86%

Bharti Airtel Ltd. 2.86%

Equity Holdings Total 96.94%

Cash & Other Receivables Total 3.06%

Grand Total 100.00%

An open ended pure growth scheme seeking to provide capital growth by investing mainly in mix of equity

instruments. The investment portfolio of the scheme will be constantly monitored and reviewed to optimize

capital growth. However, there is no assurance that the investment objective of the Schemes will be realized.


systematically on the first Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using XIRR method (investment



returns. NA: Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index. * Scheme data & TRI value of the Index are not available for


SIP Investments 1 Year 3 Years 5 Years 10 Years7 Years Since Inception*

Total Amount Invested ( )₹ 1,20,000 3,60,000 6,00,000 12,00,0008,40,000 NA

Market Value as on December 31, 2020 ( ) ₹ 1,46,721 4,40,535 7,76,977 19,42,56411,46,073 NA

Returns (CAGR) (%) 43.70 13.55 10.27 9.318.73 NA



61.54

60.66

16.51

17.61

13.72

14.89

13.0512.72

12.9113.10

NA

NA

SCHEME FEATURES INVESTMENT OBJECTIVE


SCHEME PERFORMANCE

SIP PERFORMANCE



Scheme Scheme

1 Year 10.34 17.84 16.09 11,037 11,789 11,614

3 Years 5.03 7.91 11.28 11,590 12,573 13,790

5 Years 8.26 12.70 13.39 14,879 18,193 18,754


PeriodCAGR (%)

Value of lumpsum investment of 10,000/- invested ₹on inception date

stAbove returns are as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth

option. Mr. Yogesh Patil is managing the above scheme from 4th October 2018 and total no. of schemes managed by him is 11. Past performance may or may not be sustained in

the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the scheme was

launched before the launch of the benchmark index, benchmark index figures since inception or the required period are not available.* Benchmark, ** Additional Benchmark.

The performance of the scheme is benchmarked to the Total Return variant of the index. For detailed disclaimer, please refer page no 33.

Nifty 500 TRI* Nifty 500 TRI* Nifty 50 TRI** Nifty 50 TRI**

Scheme Type: An open ended equity scheme investing across Large Cap, Mid Cap, Small Cap stocks

Date of Allotment: April 15, 1993

Fund Size:

AUM as on 31/12/2020: ₹ 355.70 Cr: ₹ 344.83 CrAverage AUM for December 2020



Fund Manager:Name: Mr. Yogesh PatilExperience: years11+


Growth ₹ 56.0906 ₹ 59.3226

Dividend ₹ 18.3573 ₹ 22.2380




6

Load Structure:

Entry Load - NIL

Exit Load




Top 10 holdings


22.87%

17.04%

15.78%

8.40%

7.46%

4.83%

3.84%

3.62%

2.62%

2.50%

2.35%

1.72%

1.02%

0.96%

0.91%

0.74%

0.71%

Banks


Software

Pharmaceuticals

Finance

Fertilisers

Gas

Consumer Durables

Telecom - Services

Transportation

Auto


Commercial Services

Industrial Capital Goods

Industrial Products

Non - Ferrous Metals

Hotels & OtherRecreational Activities

Equity Holdings

Auto 2.35%

Hero MotoCorp Ltd. 1.21%


Banks 22.87%




City Union Bank Ltd. 0.98%

The Federal Bank Ltd. 0.59%

Commercial Services 1.02%

3M India Ltd. 1.02%


Ashoka Buildcon Ltd. 1.43%

Sadbhav Engineering Ltd. 0.28%


TTK Prestige Ltd. 1.11%


Relaxo Footwears Ltd. 0.75%

Johnson Controls-Hitachi AC India Ltd. 0.68%




Kansai Nerolac Paints Ltd. 2.71%


Dabur India Ltd. 1.31%

CCL Products (India) Ltd. 0.50%

Burger King India Ltd. 0.30%

Fertilisers 4.83%

Coromandel International Ltd. 4.83%

Finance 7.46%

HDFC Ltd. 4.39%

SBI Life Insurance Company Ltd. 1.11%

ICICI Prudential Life Insurance Co Ltd. 0.89%

ICICI Lombard General Insurance Co. Ltd. 0.81%

CRISIL Ltd. 0.27%

Gas 3.84%

Gujarat Gas Ltd. 1.86%

Petronet LNG Ltd. 0.93%

Gujarat State Petronet Ltd. 0.63%

Indraprastha Gas Ltd. 0.42%

Hotels & Other Recreational Activities 0.71%

The Indian Hotels Company Ltd. 0.71%

Industrial Capital Goods 0.96%

Honeywell Automation India Ltd. 0.96%

Industrial Products 0.91%

Huhtamaki India Ltd. 0.91%

Non - Ferrous Metals 0.74%

Hindalco Industries Ltd. 0.74%


Biocon Ltd. 2.89%

Pfizer Ltd. 1.74%

Sanofi India Ltd. 1.62%

Abbott India Ltd. 1.24%

Alkem Laboratories Ltd. 0.91%

Software 15.78%

Infosys Ltd. 7.35%


HCL Technologies Ltd. 1.46%

Tech Mahindra Ltd. 1.07%



Transportation 2.50%

Container Co of India Ltd. 1.38%

Transport Co of India Ltd. 1.12%



Grand Total 100.00%

To generate long term capital appreciation by investing substantially in a portfolio of equity and equity linked

instruments of large cap and midcap companies.

stAbove returns are as on 31 December, 2020. Past performance may or may not be sustained in the future. # Nifty LargeMidcap 250 TRI, ## NIFTY 50 TRI. Assuming ₹

10,000/- invested systematically on the first Business Day of every month over a period of time.CAGR returns are computed after accounting for the cash by using XIRR

method (investment internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment

simulation is for illustrative purpose only and should not be construed as a promise on minimum returns and safeguard of capital. The Mutual Fund is not guaranteeing or

promising or forecasting any returns. Since inception returns are assumed to be starting from the beginning of the subsequent month from the date of inception. The

performance of the scheme is benchmarked to the Total Return variant of the index.

SIP Investments 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception

Total Amount Invested ( )₹ 1,20,000 3,60,000 6,00,000 - - 7,00,000

Market Value as on December 31, 2020 ( ) ₹ 1,50,984 4,51,845 8,37,749 - - 10,23,375

Returns (CAGR) (%) 51.09 15.31 13.31 - - 12.90



63.80 16.88 13.98

60.66 17.61 14.89

-

-

-

-

13.37

13.83



SCHEME PERFORMANCE

SIP PERFORMANCE



Scheme Nifty LargeMidcap 250 TRI* Nifty LargeMidcap 250 TRI*SchemeNifty 50 TRI**

Nifty 50 TRI**

1 Year 14.04 20.81 16.09 11,408 12,087 11,614

3 Years 6.30 6.70 11.28 12,018 12,155 13,790

5 Years 13.76 13.16 13.39 19,067 18,564 18,754

Since Inception 11.03 10.91 9.69 18,449 18,328 17,178

PeriodCAGR (%)

Value of lumpsum investment of 10,000/- ₹invested on inception date

stAbove returns are as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth thoption. Mr. Yogesh Patil is managing the above scheme from 18 September, 2020 and total no. of schemes managed by him is 11. Date of allotment is 25th Feb’2015. Past

performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance. NA : Not Available. The Mutual Fund is not

guaranteeing or promising or forecasting any returns. The performance of the scheme is benchmarked to the Total Return variant of the index.

* Benchmark. ** Additional Benchmark. NA : Not Available.

Scheme Type: An open ended equity scheme investing in both Large Cap and Mid Cap stocks

Date of Allotment: February 25, 2015

Fund Size:

AUM as on 31/12/2020: ₹ 930.42 Cr: ₹ 898.74 CrAverage AUM for December 2020

Benchmark: Nifty LargeMidcap 250 TRI


Fund Manager:Name: Mr. Yogesh PatilExperience: 11+ years


Growth ₹ 18.4495 ₹ 19.9137

Dividend ₹ 16.2356 ₹ 17.2870




7

Load Structure:

Entry Load - NIL

Exit Load




Top 10 holdings


17.50%

13.99%

11.49%

10.08%

7.83%

7.10%

6.35%

6.14%

2.65%

1.84%

1.84%

1.75%

1.66%

1.52%

1.44%

1.40%

1.09%

1.04%

Banks

Software

Pharmaceuticals

Chemicals

Consumer Durables


Finance

Retailing

Petroleum Products

Textile Products

Telecom - Services

Gas

Fertilisers

Commercial Services

Construction


Industrial Products

Healthcare Services

Equity Holdings

Banks 17.50%





Chemicals 10.08%

Tata Chemicals Ltd. 3.59%

Atul Ltd. 2.36%

Vinati Organics Ltd. 2.21%

Navin Fluorine International Ltd. 1.58%

Sumitomo Chemical India Ltd. 0.33%

Commercial Services 1.52%

3M India Ltd. 1.52%

Construction 1.44%

Brigade Enterprises Ltd. 1.44%


Voltas Ltd. 2.72%

Bata India Ltd. 2.03%

Crompton Greaves Cons Electrical Ltd. 0.96%









CCL Products (India) Ltd. 0.40%

Fertilisers 1.66%


Finance 6.35%


ICICI Securities Ltd. 0.96%



Gas 1.75%



Healthcare Services 1.04%

Dr. Lal Path Labs Ltd. 1.04%




Supreme Industries Ltd. 1.09%




Syngene International Ltd. 2.61%

IPCA Laboratories Ltd. 2.46%

Biocon Ltd. 2.22%



Retailing 6.14%


Trent Ltd. 1.81%

Aditya Birla Fashion & Retail Ltd. 1.16%

Aditya Birla Fashion & Retail Ltd. Partly Paid Fv5 0.08%

Software 13.99%

Infosys Ltd. 7.00%


Info Edge (India) Ltd. 1.44%

Larsen & Toubro Infotech Ltd. 1.14%




Textile Products 1.84%

Page Industries Ltd. 1.84%



Grand Total 100.00%

The investment objective of the scheme is to generate long-term capital appreciation for unit holders from a

portfolio that in invested substantially in equity and equity related securities of companies engaged in

banking and financial services sector. However there can be no assurance that the investment objective of

the scheme will be achieved.



SCHEME PERFORMANCE

Company % of NAV


SchemeNifty Financial Services TRI*

Nifty Financial Services TRI*

Nifty 50 TRI** Nifty 50 TRI**Scheme

1 Year -2.09 4.73 16.09 9,790 10,474

21,426

11,614

18,023

3 Years 9,624 14,734 13,790

5 Years 7.13

-1.27

17.39

13.75

13.39

11.28

14,117 22,314 18,754

Since Inception 3.27 14.12 10.75 12,041

PeriodCAGR (%)

Value of lumpsum investment of 10,000/-₹invested on inception date


option. Mr. Yogesh Patil is managing the above scheme from 4th October 2018 and total no. of schemes managed by him is 11. Date of allotment is 27th March'2015. Past

performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising

or forecasting any returns. * Benchmark, ** Additional Benchmark. NA : Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index.

Scheme Type: An open ended equity scheme investing in banking & financial companies

Date of Allotment: March 27, 2015

Fund Size:

AUM as on 31/12/2020: ₹ 60.57 Cr

: 59.29 CrAverage AUM for December 2020 ₹

Benchmark: Nifty Financial Services TRI


Fund Manager:Name: Mr. Yogesh PatilExperience: years11+


Growth ₹ . ₹ .12 0407 12 7796

12 12 7341Dividend ₹ .0388 ₹ .



Risk Measures:Standard Deviation 8.56Portfolio Beta 0.96Sharpe Ratio -0.0036

stAbove returns are as on 31 December, 2020. Past performance may or may not be sustained in the future. # Nifty Financial Services TRI, ## Nifty 50 TRI. Assuming ₹ 10,000/- invested systematically on the first Business Day of every month over a period of time.

CAGR returns are computed after accounting for the cash by using XIRR method (investment internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment simulation is for

illustrative purpose only and should not be construed as a promise on minimum returns and safeguard of capital. The Mutual Fund is not guaranteeing or promising or forecasting any returns. Since inception returns are assumed to be starting from the beginning of

the subsequent month from the date of inception. The performance of the scheme is benchmarked to the Total Return variant of the index.

SIP Investments 1 Year 3 Years 5 Years 10 Years7 Years Since Inception

Total Amount Invested ( )₹ 1,20,000 3,60,000

1,52,350 4,17,951

53.48 9.93

66.84 18.80

60.66 17.61

6,00,000 -- 6,90,000

Market Value as on December 31, 2020 ( ) ₹ 7,09,052 -- 8,22,226

Returns (CAGR) (%) 6.61 -- 6.02



17.94

14.89

--

--

17.15

13.98

SIP PERFORMANCE

8

Load Structure:

Entry Load - NIL

Exit Load




Top 10 holdings

75.95%

17.62%

Banks

Finance


Equity Holdings

Banks 75.95%




Axis Bank Ltd. 6.85%


State Bank of India 5.12%

The Federal Bank Ltd. 4.98%

DCB Bank Ltd. 2.75%

Finance 17.62%

HDFC Ltd. 8.04%



Central Depository Services (I) Ltd. 1.73%





Grand Total 100.00%


systematically on the first Business Day of every month over a period of time.CAGR returns are computed after accounting for the cash by using XIRR method (investment



returns. NA: Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index. * Scheme data & TRI value of the Index are not available for


To provide capital growth along with tax rebate and tax relief to our investors through prudent investments in

the stock markets. An open ended equity linked tax saving Scheme which offers investors the opportunity to

seek Tax rebate u/s 80C of the Income Tax Act 1961. However, there is no assurance that the investment

objective of the Schemes will be realized.

SIP Investments 1 Year 3 Years 5 Years 7 Years 10 Years Since Inception*

Total Amount Invested ( )₹ 1,20,000 3,60,000 6,00,000 8,40,000 12,00,000 NA

NA

NA

NA

NA

Market Value as on December 31, 2020 ( ) ₹ 1,49,852 4,41,260 8,10,752 12,57,414 22,74,586

Returns (CAGR) (%) 49.12 13.66 11.98 11.32 12.28



61.54

60.66

16.51

17.61

13.72 12.72

14.89 13.10

13.05

12.91



SCHEME PERFORMANCE

SIP PERFORMANCE



Scheme Nifty 500 TRI* Nifty 500 TRI*Nifty 50 TRI** Nifty 50 TRI**Scheme

1 Year 8.90 17.84 16.09 10,892

12,051

11,789 11,614

3 Years 6.40 7.91 11.28 12,573 13,790

5 Years 11.29 12.70 13.39 17,083 18,193 18,754

Since Inception 9.11 14.80 13.28 79,512 2,65,841 1,93,628

PeriodCAGR (%)



option. Mr. Yogesh Patil is managing the above scheme from 18th September 2020 and total no. of schemes managed by him is 11. Past performance may or may not be

sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns.

*Benchmark, **Additional Benchmark. The performance of the scheme is benchmarked to the Total Return variant of the index. For detailed disclaimer, please refer page no 33.

Scheme Type: An open ended equity linked

saving scheme with a statutory lock in of 3 years

and tax benefit.

Date of Allotment: March 31,1997

Fund Size:

AUM as on 31/12/2020: ₹ 325.95 Cr


Load Structure:Entry Load: Nil

Exit Load: Nil (Subject to lock-in period of 3

years)


Minimum Investment (lumpsum): ₹ 500/-

Fund Manager:

Name: Mr. Yogesh Patil

Experience: years11+


Growth ₹ 79.5118 ₹ 86.0788

Dividend ₹ 18.9410 ₹ 21.3959




9

Top 10 holdings


21.85%

16.56%

8.93%

8.71%

8.65%

7.17%

6.08%

5.24%

2.97%

2.93%

2.49%

1.55%

1.46%

1.17%

1.07%

1.02%

0.52%

Banks

Software

Pharmaceuticals


Finance

Retailing

Chemicals

Consumer Durables

Petroleum Products

Auto

Telecom - Services

Construction


Fertilisers

Gas

Textile Products

Cement

Equity Holdings

Auto 2.93%



Banks 21.85%





Cement 0.52%


Chemicals 6.08%



Atul Ltd. 1.67%

Construction 1.55%




Voltas Ltd. 1.52%

Bata India Ltd. 1.50%

Crompton Greaves Cons Electrical Ltd. 0.53%








Fertilisers 1.17%


Finance 8.65%


HDFC Ltd. 1.23%




ICICI Securities Ltd. 0.76%

Gas 1.07%







IPCA Laboratories Ltd. 2.01%

Biocon Ltd. 1.68%



Cipla Ltd. 0.93%



Retailing 7.17%


Trent Ltd. 1.46%

Aditya Birla Fashion & Retail Ltd. 1.32%

Aditya Birla Fashion & Retail Ltd. Partly Paid Fv5 0.09%

Software 16.56%

Infosys Ltd. 8.41%



Info Edge (India) Ltd. 1.56%



Textile Products 1.02%

Page Industries Ltd. 1.02%



Grand Total 100.00%

stAbove returns are as on 31 December, 2020. Past performance may or may not be sustained in the future. # Nifty Infrastructure TRI, ## Nifty 50 TRI. Assuming ₹ 10,000/-

invested systematically on the first Business Day of every month over a period of time.CAGR returns are computed after accounting for the cash by using XIRR method

(investment internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment simulation is

for illustrative purpose only and should not be construed as a promise on minimum returns and safeguard of capital. The Mutual Fund is not guaranteeing or promising or

forecasting any returns. Since inception returns are assumed to be starting from the beginning of the subsequent month from the date of inception. The performance of the

scheme is benchmarked to the Total Return variant of the index.

The investment objective of the scheme is to generate long-term growth from a portfolio of equity / equity

related instruments of companies engaged either directly or indirectly in the infrastructure sector. However,

there is no assurance that the investment objective of the Schemes will be realized.


Total Amount Invested ( )₹ 1,20,000

1,44,623

40.11

45.99

60.66

3,60,000 6,00,000 8,40,000 15,30,00012,00,000

Market Value as on December 31, 2020 ( ) ₹ 4,03,811 7,04,118 10,42,407 23,55,60317,32,529

Returns (CAGR) (%) 7.59 6.33 6.07 6.517.13



12.06

17.61

8.96 7.03

14.89 13.10

4.866.46

12.5312.91



SCHEME PERFORMANCE

SIP PERFORMANCE



SchemeNifty Infrastructure

TRI*Nifty Infrastructure

TRI*Nifty 50 TRI** Nifty 50 TRI**Scheme

1 Year -0.13 14.30 16.09 9,987 11,434 11,614

3 Years -1.15 2.06 11.28 9,657 10,633 13,790

5 Years 6.07 7.47 13.39 13,434 14,340 18,754

Since Inception 3.31 0.51 10.38 15,161 10,670 35,346

PeriodCAGR (%)



option. Mr. Yogesh Patil managing the above scheme from 18th September 2020 and total no. of schemes managed by him is 11. Past performance may or may not be

sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. *

Benchmark, ** Additional Benchmark. The performance of the scheme is benchmarked to the Total Return variant of the index.

Scheme Type: An open ended equity scheme

investing in infrastructure companies.


Fund Size:

AUM as on 31/12/2020: ₹ 54.71 Cr


Benchmark: Nifty Infrastructure TRI


Fund Manager:

Name: Mr. Yogesh Patil

Experience: years11+


Growth ₹ 15.1609 ₹ 16.3918

Dividend ₹ 15.1617 ₹ 16.1853



Risk Measures:Standard Deviation 6.89Portfolio Beta 0.97Sharpe Ratio -0.0016

10


Exit Load




Top 10 holdings


21.00%

20.70%

9.88%

8.90%

7.25%

5.67%

5.43%

5.21%

4.12%

3.97%

3.91%

1.49%

Banks

Cement

Construction

Gas

Petroleum Products

Telecom - Services

Industrial Products

Transportation

Finance




Equity Holdings

Banks 21.00%






Cement 20.70%


The Ramco Cements Ltd. 6.42%

JK Lakshmi Cement Ltd. 3.06%

ACC Ltd. 2.37%

Orient Cement Ltd. 1.13%

Construction 9.88%

KNR Constructions Ltd. 5.47%




Ashoka Buildcon Ltd. 1.20%

Finance 4.12%

HDFC Ltd. 4.12%

Gas 8.90%






SKF India Ltd. 5.43%










Transport Co of India Ltd. 1.50%

Blue Dart Express Ltd. 1.24%

TCI Express Ltd. 0.13%



Grand Total 100.00%

stAbove returns are as on 31 December, 2020. Past performance may or may not be sustained in the future. # S&P BSE SENSEX TRI, ## NIFTY 50 TRI. Assuming ₹ 10,000/-

invested systematically on the first Business Day of every month over a period of time.CAGR returns are computed after accounting for the cash by using XIRR method





The main investment objective of the fund is to generate returns commensurate with the performance of the

index S&P BSE Sensex based on the plans by investing in the respective index stocks subject to tracking

errors. However, there is no assurance that the investment objective of the Schemes will be realized.


Total Amount Invested ( )₹ 1,20,000 3,60,000 6,00,000 8,40,000 12,00,000 21,60,000

14.41

Market Value as on December 31, 2020 ( ) ₹ 1,55,910 4,68,778 8,71,620 13,12,995 22,40,991 67,41,360

Returns (CAGR) (%) 59.75 17.90 14.91 12.53 12.00 11.48



61.90

60.66

19.07

17.61

16.27 14.01

14.89 13.10

13.58

13.8112.91



SCHEME PERFORMANCE

SIP PERFORMANCE



Scheme S&P BSE Sensex TRI* S&P BSE Sensex TRI*Nifty 50 TRI** Nifty 50 TRI**Scheme

1 Year 15.89 17.11 16.09 11,593 11,716 11,614

3 Years 11.93 13.22 11.28 14,036 14,530 13,790

5 Years

Since Inception

12.67 14.25 13.39 18,166 19,479 18,754

13.44 17.80 17.01 97,869 1,93,386 1,71,233

PeriodCAGR (%)



option. Ms. Ritu Modi is managing the above scheme from 1st November, 2019 and total no. of schemes managed by her is 7. Past performance may or may not be sustained in

the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. * Benchmark, **

Additional Benchmark. The performance of the scheme is benchmarked to the Total Return variant of the index. For detailed disclaimer, please refer page no 33.

Scheme Type: An open ended scheme replicating/tracking S&P BSE Sensex Index

Date of Allotment: December 05, 2002

Fund Size:

AUM as on 31/12/2020: ₹ 29.98 Cr


Load Structure:Entry Load: NilExit Load: • 0.25% if redeemed or switch out on or before completion of 7 Days from the date of allotment of units• Nil after 7 days

Benchmark: S&P BSE Sensex TRI


Fund Manager:Name: M . s Ritu ModiExperience: years9+


Growth ₹ 88.7834 ₹ 92.3827

Dividend ₹ 30.4317 ₹ 30.9769



Risk Measures:Tracking Error 0.43%

11

Top 10 holdings


29.24%

17.76%

12.55%

12.30%

11.18%

4.07%

3.01%

2.42%

2.33%

1.81%

1.23%

1.15%

0.62%

Banks

Software

Finance

Petroleum Products


Auto


Pharmaceuticals

Telecom - Services

Power

Consumer Durables

Cement

Oil

Equity Holdings

Auto 4.07%



Bajaj Auto Ltd. 0.85%

Banks 29.24%






IndusInd Bank Ltd. 0.95%

Cement 1.15%








ITC Ltd. 3.48%



Finance 12.55%

HDFC Ltd. 8.87%



Oil 0.62%

Oil & Natural Gas Co Ltd. 0.62%




Sun Pharmaceutical Industries Ltd. 1.22%


Power 1.81%

Power Grid Co of India Ltd. 0.91%

NTPC Ltd. 0.90%

Software 17.76%

Infosys Ltd. 8.88%








Grand Total 100.00%

stAbove returns are as on 31 December, 2020. Past performance may or may not be sustained in the future. # NIFTY 50 TRI, ## S&P BSE SENSEX TRI. Assuming ₹ 10,000/-

invested systematically on the first Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using XIRR method





The main investment objective of the fund is to generate returns commensurate with the performance of the

index Nifty based on the plans by investing in the respective index stocks subject to tracking errors. However,

there is no assurance that the investment objective of the Schemes will be realized.



14.41


Returns (CAGR) (%) 58.59 16.37 13.46 11.65 11.45 10.86



60.66

61.90

17.61

19.07

14.89 13.10

16.27 14.01

12.91 13.81

13.58



SCHEME PERFORMANCE

SIP PERFORMANCE



Scheme NIFTY 50 TRI* NIFTY 50 TRI*S&P BSE Sensex TRI** S&P BSE Sensex TRI**Scheme

1 Year 14.65 16.09 17.11 11,469 11,614 11,716

3 Years 9.80 11.28 13.22 13,248 13,790 14,530

5 Years 11.82 13.39 14.25 17,490 18,754 19,479

Since Inception 12.56 17.01 17.80 84,933 1,71,233 1,93,386

PeriodCAGR (%)




the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. *Benchmark,

**Additional Benchmark. The performance of the scheme is benchmarked to the Total Return variant of the index. For detailed disclaimer, please refer page no 33.

Scheme Type: An open ended scheme replicating/tracking Nifty 50 Index


Fund Size:

AUM as on 31/12/2020: ₹ 30.88 Cr


Load Structure:Entry Load: NilExit Load: • 0.25% if redeemed or switch out on or before completion of 7 Days from the date of allotment of units• Nil after 7 days





Growth ₹ ₹ 77.0819 80.2254

28 4351 29 5657Dividend ₹ . ₹ .




12

Top 10 holdings


26.46%

16.27%

12.24%

11.50%

10.47%

5.32%

3.67%

2.59%

2.14%

2.04%

1.56%

1.38%

1.09%

0.56%

0.56%

0.53%

0.44%

0.42%

0.38%

Banks

Software

Finance

Petroleum Products


Auto

Pharmaceuticals


Cement

Telecom - Services

Power

Ferrous Metals

Consumer Durables


Transportation

Oil

Minerals/Mining

Pesticides

Gas

Equity Holdings

Auto 5.32%Maruti Suzuki India Ltd. 1.71%Mahindra & Mahindra Ltd. 1.12%Bajaj Auto Ltd. 0.73%Hero MotoCorp Ltd. 0.67%Eicher Motors Ltd. 0.56%Tata Motors Ltd. 0.52%Banks 26.46%HDFC Bank Ltd. 10.38%ICICI Bank Ltd. 6.14%Kotak Mahindra Bank Ltd. 4.84%Axis Bank Ltd. 2.55%State Bank of India 1.74%IndusInd Bank Ltd. 0.81%Yes Bank Ltd. 0.00%Cement 2.14%Ultratech Cement Ltd. 1.04%Grasim Industries Ltd. 0.59%Shree Cement Ltd. 0.51%Construction Project 2.59%Larsen & Toubro Ltd. 2.59%Consumer Durables 1.09%Titan Company Ltd. 1.09%Consumer Non Durables 10.47%Hindustan Unilever Ltd. 3.57%ITC Ltd. 3.02%Asian Paints Ltd. 2.07%Nestle India Ltd. 1.11%Britannia Industries Ltd. 0.70%Ferrous Metals 1.38%Tata Steel Ltd. 0.77%JSW Steel Ltd. 0.61%Finance 12.24%HDFC Ltd. 7.63%Bajaj Finance Ltd. 2.32%Bajaj Finserv Ltd. 0.87%

HDFC Life Insurance Company Ltd. 0.86%


Gas 0.38%

GAIL (India) Ltd. 0.38%

Minerals/Mining 0.44%

Coal India Ltd. 0.44%



Oil 0.53%


Pesticides 0.42%

UPL Ltd. 0.42%



Bharat Petroleum Co Ltd. 0.48%

Indian Oil Co Ltd. 0.35%





Cipla Ltd. 0.69%

Power 1.56%


NTPC Ltd. 0.77%

Software 16.27%

Infosys Ltd. 7.65%




Wipro Ltd. 0.93%




Adani Ports & Special Economic Zone Ltd. 0.56%



Grand Total 100.00%

The investment objective of the scheme is to provide returns that closely correspond to the total returns of

securities as represented by NIFTY 50 Index, subject to tracking errors. However there is no assurance that

the objective of the scheme will be achieved.



SCHEME PERFORMANCE



Scheme NIFTY 50 TRI* NIFTY 50 TRI*S&P BSE Sensex TRI** S&P BSE Sensex TRI**Scheme

1 Year 15.89

11.15

16.09

11.28

17.11

13.22

11,594

13,744

11,614

13,790

11,716

14,5303 Years

13.25 13.39 14.25 18,643 18,754 19,4795 Years

Since Inception 13.11 13.32 14.13 18,788 18,968 19,666

PeriodCAGR (%)




the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. * Benchmark,

** Additional Benchmark. NA : Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index.


Date of Allotment: November 20, 2015

Fund Size:

AUM as on 31/12/2020: ₹ 633.76 Cr


Load Structure:Entry Load: Exit Load: Nil Nil

Liquidity: The Units of the scheme will be listed on National Stock Exchange(NSE) & Bombay Stock Exchange Ltd.(BSE).


Minimum Investment (lumpsum): For Subscription / Redemption of units

directly with Mutual Fund : 50,000 units.

For Purchase through Stock Exchange: 1 unit


NAV as on December 31, 2020:NAV Regular Plan

Growth ₹ 147.6060

Expense Ratio: Regular: 0.10%(for detailed bifurcation on TER, please see page no 32)



13

Top 10 holdings


26.50%

16.35%

12.21%

11.51%

10.48%

5.35%

3.67%

2.61%

2.19%

2.04%

1.58%

1.44%

1.11%

0.58%

0.56%

0.55%

0.45%

0.44%

0.36%

Banks

Software

Finance

Petroleum Products


Auto

Pharmaceuticals


Cement

Telecom - Services

Power

Ferrous Metals

Consumer Durables


Oil

Transportation

Minerals/Mining

Pesticides

Gas

Equity Holdings

Auto 5.35%





Eicher Motors Ltd. 0.57%

Tata Motors Ltd. 0.52%

Banks 26.50%







Yes Bank Ltd. 0.00%

Cement 2.19%


Grasim Industries Ltd. 0.62%

Shree Cement Ltd. 0.52%







ITC Ltd. 3.01%



Britannia Industries Ltd. 0.71%

Ferrous Metals 1.44%

Tata Steel Ltd. 0.80%

JSW Steel Ltd. 0.64%

Finance 12.21%

HDFC Ltd. 7.63%



HDFC Life Insurance Company Ltd. 0.85%


Gas 0.36%

GAIL (India) Ltd. 0.36%

Minerals/Mining 0.45%

Coal India Ltd. 0.45%



Oil 0.56%


Pesticides 0.44%

UPL Ltd. 0.44%



Bharat Petroleum Co Ltd. 0.50%

Indian Oil Co Ltd. 0.36%





Cipla Ltd. 0.70%

Power 1.58%


NTPC Ltd. 0.79%

Software 16.35%

Infosys Ltd. 7.65%




Wipro Ltd. 0.98%




Adani Ports & Special Economic Zone Ltd.0.55%



Grand Total 100.00%

The investment objective of the scheme is to provide returns that, closely correspond to the total returns of

the securities as represented by the S&P BSE SENSEX by holding S&P BSE SENSEX stocks in same

proportion, subject to tracking errors. However there is no assurance that the objective of the scheme will be

achieved.



SCHEME PERFORMANCE



Scheme S&P BSE Sensex TRI* S&P BSE Sensex TRI*Nifty 50 TRI** Nifty 50 TRI**Scheme

1 Year 16.96 17.11 16.09 11,701

14,511

11,716

14,530

11,614

13,7903 Years 13.18 13.22 11.28

14.19 14.25 13.39 19,426 19,479 18,7545 Years

Since Inception 13.92 13.97 13.18 19,413 19,458 18,780

PeriodCAGR (%)




the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. * Benchmark,

** Additional Benchmark. NA : Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index.

Scheme Type: An open ended scheme replicating/tracking Sensex Index


Fund Size:

AUM as on 31/12/2020: ₹ 513.07 Cr




Benchmark: S&P BSE Sensex TRI


directly with Mutual Fund : ,000 units.2




Growth ₹ 507.5588




14

Top 10 holdings


29.36%

17.79%

12.49%

12.30%

11.29%

4.12%

3.01%

2.40%

2.37%

1.81%

1.26%

1.14%

0.62%

Banks

Software

Finance

Petroleum Products


Auto


Pharmaceuticals

Telecom - Services

Power

Consumer Durables

Cement

Oil

Equity Holdings

Auto 4.12%




Banks 29.36%







Cement 1.14%








ITC Ltd. 3.48%



Finance 12.49%

HDFC Ltd. 8.82%



Oil 0.62%







Power 1.81%


NTPC Ltd. 0.90%

Software 17.79%

Infosys Ltd. 8.84%








Grand Total 100.00%


securities as represented by NIFTY 100 Index, subject to tracking errors. However there is no assurance that

the objective of the scheme will be achieved.



SCHEME PERFORMANCE



Scheme NIFTY 100 TRI* NIFTY 100 TRI*NIFTY 50 TRI** NIFTY 50 TRI**Scheme

1 Year 15.58

9.63

16.03

9.98

16.09

11.28

11,563

13,186

11,608

13,314

11,614

13,7903 Years

NA NA NA NA NA NA5 Years

Since Inception 14.81 15.21 15.30 19,386 19,719 19,791

PeriodCAGR (%)



option. Ms. Ritu Modi is managing the above scheme from 1st November, 2019 and total no. of schemes managed by her is 7. Date of allotment is 17th Mar'2016, hence returns

are available only for 1 year, 3 years & since inception. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of

performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. * Benchmark, ** Additional Benchmark. NA : Not Available. The performance of the




Fund Size:

AUM as on 31/12/2020: ₹ 392.65 Cr






directly with Mutual Fund : 0,000 units.2,0



NAV as on December 31, 2020:NAV Regular Plan Growth ₹ 147.3691




15

Top 10 holdings


23.61%

15.03%

12.66%

11.93%

10.26%

4.90%

4.69%

2.33%

2.26%

2.09%

1.77%

1.29%

1.25%

0.89%

0.83%

0.61%

0.60%

0.55%

0.47%

0.47%

0.39%

0.39%

0.28%

0.22%

0.18%

Banks

Software

Finance


Petroleum Products

Pharmaceuticals

Auto

Cement


Power

Telecom - Services

Consumer Durables

Ferrous Metals

Transportation

Gas

Retailing


Minerals/Mining

Oil

Auto Ancillaries

Pesticides

Chemicals

Tele - Equipment& Accessories


Construction

Equity HoldingsAuto 4.69%Maruti Suzuki India Ltd. 1.50%Mahindra & Mahindra Ltd. 0.99%Bajaj Auto Ltd. 0.65%Hero MotoCorp Ltd. 0.60%Eicher Motors Ltd. 0.49%Tata Motors Ltd. 0.46%Auto Ancillaries 0.47%Motherson Sumi Systems Ltd. 0.30%Bosch Ltd. 0.17%Banks 23.61%HDFC Bank Ltd. 9.02%ICICI Bank Ltd. 5.33%Kotak Mahindra Bank Ltd. 4.22%Axis Bank Ltd. 2.20%State Bank of India 1.56%IndusInd Bank Ltd. 0.75%Bandhan Bank Ltd. 0.40%Bank of Baroda 0.08%Punjab National Bank 0.05%Yes Bank Ltd. 0.00%Cement 2.33%Ultratech Cement Ltd. 0.92%Grasim Industries Ltd. 0.53%Shree Cement Ltd. 0.45%Ambuja Cements Ltd. 0.25%ACC Ltd. 0.19%Chemicals 0.39%Pidilite Industries Ltd. 0.39%Construction 0.18%DLF Ltd. 0.18%Construction Project 2.26%Larsen & Toubro Ltd. 2.26%Consumer Durables 1.29%Titan Company Ltd. 0.96%Havells India Ltd. 0.33%Consumer Non Durables 11.93%Hindustan Unilever Ltd. 3.11%ITC Ltd. 2.61%Asian Paints Ltd. 1.80%Nestle India Ltd. 0.97%Britannia Industries Ltd. 0.62%Tata Consumer Products Ltd. 0.48%Dabur India Ltd. 0.45%Godrej Consumer Products Ltd. 0.42%Colgate Palmolive (India) Ltd. 0.33%Marico Ltd. 0.33%United Spirits Ltd. 0.24%Berger Paints (I) Ltd. 0.24%United Breweries Ltd. 0.19%Procter & Gamble Hygiene&HealthCare Ltd. 0.14%Ferrous Metals 1.25%Tata Steel Ltd. 0.71%JSW Steel Ltd. 0.54%Finance 12.66%HDFC Ltd. 6.64%Bajaj Finance Ltd. 2.04%Bajaj Finserv Ltd. 0.77%HDFC Life Insurance Company Ltd. 0.74%SBI Life Insurance Company Ltd. 0.50%ICICI Lombard General Insurance Co. Ltd. 0.45%ICICI Prudential Life Insurance Co Ltd. 0.27%HDFC Asset Management Company Ltd. 0.24%Piramal Enterprises Ltd. 0.23%

Bajaj Holdings & Investment Ltd. 0.23%Power Finance Co Ltd. 0.17%Muthoot Finance Ltd. 0.17%SBI Cards & Payment Services Ltd. 0.15%General Insurance Co of India 0.05%Gas 0.83%GAIL (India) Ltd. 0.33%Petronet LNG Ltd. 0.26%Indraprastha Gas Ltd. 0.24%Industrial Capital Goods 0.22%Siemens Ltd. 0.22%Minerals/Mining 0.55%Coal India Ltd. 0.40%NMDC Ltd. 0.14%Non - Ferrous Metals 0.60%Hindalco Industries Ltd. 0.52%Hindustan Zinc Ltd. 0.09%Oil 0.47%Oil & Natural Gas Co Ltd. 0.47%Pesticides 0.39%UPL Ltd. 0.39%Petroleum Products 10.26%Reliance Industries Ltd. 9.27%Bharat Petroleum Co Ltd. 0.43%Indian Oil Co Ltd. 0.32%Hindustan Petroleum Co Ltd. 0.24%Pharmaceuticals 4.90%Sun Pharmaceutical Industries Ltd. 0.94%Dr. Reddy's Laboratories Ltd. 0.93%Divi's Laboratories Ltd. 0.72%Cipla Ltd. 0.62%Aurobindo Pharma Ltd. 0.37%Lupin Ltd. 0.36%Biocon Ltd. 0.30%Torrent Pharmaceuticals Ltd. 0.20%Cadila Healthcare Ltd. 0.19%Alkem Laboratories Ltd. 0.16%Abbott India Ltd. 0.11%Power 2.09%Power Grid Co of India Ltd. 0.69%NTPC Ltd. 0.69%Adani Green Energy Ltd. 0.57%Adani Transmission Ltd. 0.14%Retailing 0.61%Avenue Supermarts Ltd. 0.61%Software 15.03%Infosys Ltd. 6.65%Tata Consultancy Services Ltd. 4.35%HCL Technologies Ltd. 1.49%Tech Mahindra Ltd. 0.87%Wipro Ltd. 0.85%Info Edge (India) Ltd. 0.48%Larsen & Toubro Infotech Ltd. 0.21%Oracle Financial Services Software Ltd. 0.11%Telecom - Equipment & Accessories 0.28%Indus Towers Ltd. 0.28%Telecom - Services 1.77%Bharti Airtel Ltd. 1.77%Transportation 0.89%Adani Ports & Special Economic Zone Ltd. 0.48%InterGlobe Aviation Ltd. 0.25%Container Co of India Ltd. 0.17%Equity Holdings Total 99.97%Cash & Other Receivables Total 0.03%Grand Total 100.00%


securities as represented by Nifty 8-13 yr G-Sec Index, subject to tracking errors. However there is no

assurance that the objective of the scheme will be achieved.

Company Rating % of NAV

100.02%

-0.02%

>365 days

Cash & Other Receivables



SCHEME PERFORMANCE

MATURITY PROFILE (% of NAV) RATING PROFILE (% of NAV)

Scheme Nifty 8-13 yr G-Sec* Crisil 10 year Gilt Index** Crisil 10 year Gilt Index**Scheme Nifty 8-13 yr G-Sec*

1 Year 11.06 11.45 9.23 11,109 11,149 10,926

3 Years 9.50 9.72 8.55 13,139 13,219 12,799

8.80 9.17 8.01 15,254 15,513 14,7055 Years

Since Inception 8.66 9.01 8.02 16,490 16,817 15,918

PeriodCAGR (%)


stAbove returns are as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option. Mr. Marzban Irani is managing the above scheme from 10th August, 2016 and total

no. of schemes managed by him is 10. Also, Mr. Sanjay Pawar is co managing the above scheme from 1st September, 2020 and total no. of schemes managed by him is 2. Date of allotment is 24th Dec'2014. Past performance may or may not be sustained in the

future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. * Benchmark, ** Additional Benchmark. NA : Not Available.

Scheme Type: An open ended scheme replicating/tracking Nifty 8-13 Yr G-Sec Index


Fund Size:

AUM as on 31/12/2020: ₹ 255.87 Cr



Benchmark: Nifty 8-13 yr G-Sec Index

Minimum Investment (lumpsum):For Subscription / Redemption of units directly with Mutual Fund : 1,00,000 units.

Fund Manager:Name: Mr. Marzban IraniExperience: years17+


Growth ₹ . 22 1120


Risk Measures:

Tracking Error: 1.53 %

Portfolio Metrics:Average Maturity 9.30 yearsMacaulay Duration 7.10 yearsModified Duration 6.89 yearsYTM 5.96%

16

Co-Fund Manager:Name: Mr. Sanjay PawarExperience: 9+ years

100.02%

-0.02%

Sovereign



Government Bond & Treasury Bill

Government Bond

5.77% Govt of India Red 03-08-2030 SOV 46.20%





Government Bond Total 100.02%

Government Bond & Treasury Bill Total 100.02%

Cash & Other Receivables -0.02%

Grand Total 100.00%

An open ended balanced scheme which seeks to provide regular returns and capital appreciation according

to the selection of plan by investing in equities and debt. However, there is no assurance that the investment

objective of the Schemes will be realized.

stAbove returns are as on 31 December, 2020. Past performance may or may not be sustained in the future. # Crisil Hybrid 35 + 65 -Aggressive Index, ## Nifty 50 TRI. Assuming

₹ 10,000/- invested systematically on the first Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using XIRR

method (investment internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment


promising or forecasting any returns. NA: Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index. * Scheme data & TRI value of

the Index are not available for since inception, hence performance for such period is not available.

Frequency Ex Date Face Value ( )₹ Ex NAV ( )₹ Gross Dividend ( ) / Unit₹

Regular Dividend

Dec 30, 2020

Dec 30, 2020

10.0000

10.0000

10.0000

14.2375 0.1000

Direct Dividend

10.0000

10.0000

10.0000

15.7669 0.1000

10.88%

3.27%

9.58%

76.28%


Up to 365 days

Equity Instruments

>365 days



NA

NA

NA

NA


Returns (CAGR) (%) 35.68 12.62 9.92 8.63 9.03



42.81

60.66

16.07

17.61

13.44 12.50

14.89 13.10

12.43

12.91



SCHEME PERFORMANCE

SIP PERFORMANCE

MATURITY PROFILE (% of NAV)

DIVIDEND HISTORY



SchemeCRISIL Hybrid 35+65 -

Aggressive Index*CRISIL Hybrid 35+65 -

Aggressive Index*SchemeNifty 50 TRI** Nifty 50 TRI**

1 Year 9.58 17.93 16.09 10,960 11,798 11,614

3 Years 5.90 10.29 11.28 11,881 13,427 13,790

5 Years 8.58 12.42 13.39 15,099 17,967 18,754

Since Inception 8.65 NA 14.38 1,20,729 NA 5,66,675

PeriodCAGR (%)

Value of lumpsum investment of 10,000/- invested on ₹inception date

stAbove returns as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option.

Mr. Yogesh Patil (Equity Portfolio) is managing the above scheme from 4th October 2018 & Mr. Marzban Irani (debt portfolio) is managing the above scheme from 10th August,

2016. Total no. of schemes managed by Mr. Yogesh Patil is 11 and by Mr. Marzban Irani is 10. Past performance may or may not be sustained in the future. Load is not taken into


the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional Benchmark. NA : Not Available. The

performance of the scheme is benchmarked to the Total Return variant of the index. For complete detailed, please refer page no 33.

After payment of the dividend, the per Unit NAV falls to the extent of the payout and statutory levy (if applicable). There is no guarantee or assurance to the unitholders as to the rate/quantum of neither dividend distribution nor that the dividends be paid regularly. For complete dividend history please visit www.licmf.com.

Scheme Type: An open ended hybrid scheme investing predominantly in equity and equity related instruments.

Date of Allotment: January 01, 1991

Fund Size:

AUM as on 31/12/2020: ₹ 439.69 Cr


Benchmark: Crisil Hybrid 35 + 65 - Aggressive Index


Fund Manager:Name: Mr. (Equity) &Yogesh Patil Mr. Marzban Irani (Debt)Experience: years & 1 years respectively11+ 7+


Growth ₹ 120.7285 ₹ 130.2925

Dividend ₹ 14.2540 ₹ 15.7855

Expense Ratio: Regular: 2.52%; Direct: 1.38%

(for detailed bifurcation on TER, please see page no 32)


Risk Measures:Standard Deviation 4.44Portfolio Beta 1.04 Sharpe Ratio 0.0742

17


Exit Load




Top 10 holdings

0.1000

0.1000

0.1000

0.1000

Oct 29, 2020 12.7011

Oct 29, 2020 14.0185


Nov 26, 2020 15.0036

Nov 26, 2020 13.5719

21.38%

13.24%

11.89%

6.10%

5.81%

3.57%

2.49%

2.46%

2.17%

1.94%

1.20%

1.13%

0.99%

0.76%

0.76%

0.39%

Banks


Software

Pharmaceuticals

Finance

Fertilisers

Auto

Consumer Durables

Gas

Transportation

Telecom - Services


Construction

Commercial Services



Equity HoldingsAuto 2.49%Maruti Suzuki India Ltd. 1.57%Hero MotoCorp Ltd. 0.92%Banks 21.38%ICICI Bank Ltd. 8.28%HDFC Bank Ltd. 8.09%Kotak Mahindra Bank Ltd. 4.12%City Union Bank Ltd. 0.90%Commercial Services 0.76%3M India Ltd. 0.76%Construction 0.99%Brigade Enterprises Ltd. 0.99%Construction Project 1.13%Ashoka Buildcon Ltd. 1.13%Consumer Durables 2.46%Titan Company Ltd. 1.07%TTK Prestige Ltd. 0.79%Relaxo Footwears Ltd. 0.61%Consumer Non Durables 13.24%Hindustan Unilever Ltd. 4.54%Nestle India Ltd. 3.25%Kansai Nerolac Paints Ltd. 2.63%Asian Paints Ltd. 1.86%Dabur India Ltd. 0.96%Fertilisers 3.57%Coromandel International Ltd. 3.57%Finance 5.81%HDFC Ltd. 2.91%SBI Life Insurance Company Ltd. 1.13%ICICI Lombard General Insurance Co. Ltd. 0.92%ICICI Prudential Life Insurance Co Ltd. 0.85%Gas 2.17%Gujarat Gas Ltd. 1.22%Petronet LNG Ltd. 0.69%Gujarat State Petronet Ltd. 0.26%Hotels & Other Recreational Activities 0.39%The Indian Hotels Company Ltd. 0.39%Industrial Capital Goods 0.76%Honeywell Automation India Ltd. 0.76%Pharmaceuticals 6.10%Biocon Ltd. 1.98%Pfizer Ltd. 1.33%

Sanofi India Ltd. 1.09%Alkem Laboratories Ltd. 0.94%Abbott India Ltd. 0.77%Software 11.89%Infosys Ltd. 5.28%Tata Consultancy Services Ltd. 4.90%Tech Mahindra Ltd. 0.87%HCL Technologies Ltd. 0.84%Telecom - Services 1.20%Bharti Airtel Ltd. 1.20%Transportation 1.94%Container Co of India Ltd. 1.02%Transport Co of India Ltd. 0.92%Equity Holdings Total 76.28%Corporate DebtNon-Convertible DebenturesL&T Infra Debt Fund Ltd. 3.68%India Infradebt Ltd. 3.57%Export Import Bank of India 1.24%NTPC Ltd. 0.25%Non-Convertible Debentures Total 8.74%Corporate Debt Total 8.74%Government Bond And Treasury BillGovernment Bond5.85% Govt of India Red 01-12-2030 2.28%7.57% Govt of India Red 17-06-2033 1.19%6.19% Govt of India Red 16-09-2034 1.15%5.22% Govt of India Red 15-06-2025 1.15%6.45% Govt of India Red 07-10-2029 0.75%7.26% Govt of India Red 14-01-2029 0.51%7.32% Govt of India Red 28-01-2024 0.51%7.27% Govt of India Red 08-04-2026 0.44%8.60% Govt of India Red 02-06-2028 0.19%7.88% Govt of India Red 19-03-2030 0.13%6.79% Govt of India Red 26-12-2029 0.03%Government Bond Total 8.33%Treasury Bill182 Days Tbill Red 18-03-2021 2.26%91 Days Tbill Red 18-03-2021 1.13%Treasury Bill Total 3.39%Government Bond And Treasury Bill Total 11.72%Cash & Other Receivables Total 3.27%Grand Total 100.00%

The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-

term growth opportunities by investing in a portfolio constituted of equity securities & equity related securities

and the secondary objective is to generate consistent returns by investing in debt and money market

securities. However there can be no assurance that the investment objective of the scheme will be achieved.



SCHEME PERFORMANCE

SECTOR ALLOCATION (% of NAV)Scheme CRISIL Hybrid 35+65 -

Aggressive Index*CRISIL Hybrid 35+65 -

Aggressive Index*SchemeNifty 50 TRI** Nifty 50 TRI**

1 Year 12.35 17.93 16.09 11,239 11,798 11,614

3 Years 5.35 10.29 11.28 11,697 13,427 13,790

5 Years 7.91 12.42 13.39 14,636 17,967 18,754


PeriodCAGR (%) Value of lumpsum investment of 10,000/- ₹

invested on inception date


option. Mr. Yogesh Patil (equity portfolio) is managing the above scheme from 4th October 2018 & Mr. Marzban Irani (debt portfolio) is managing the above scheme from 10th

August, 2016. Total no. of schemes managed by Mr. Yogesh Patil is 11 and by Mr. Marzban Irani is 10. Past performance may or may not be sustained in the future. Load is not

taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the scheme was launched before the

launch of the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional Benchmark. NA : Not Available. The


Scheme Type: An open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier)


Fund Size:

AUM as on 31/12/2020: ₹ 13.25 Cr


Load Structure:Entry Load: NilExit Load: Nil

Lock-in Period:- Lock-in-period for at least 5

years or till the child attains age of majority

whichever is earlier on every Business Day.





Growth ₹ 20.8130 ₹ 22.4047




Risk Measures (Equity portion):Standard Deviation 4.85

1.16Portfolio Beta Sharpe Ratio 0. 0596


18

stAbove returns are as on 31 December, 2020. Past performance may or may not be sustained in the future. # CRISIL Hybrid 35+65 Aggressive Index, ## NIFTY 50 TRI.

Assuming ₹ 10,000/- invested systematically on the first Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using

XIRR method (investment internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment


promising or forecasting any returns. Since inception returns are assumed to be starting from the beginning of the subsequent month from the date of inception. The





Returns (CAGR) (%) 42.52 13.80 9.12 8.36 8.70 5.09



42.81 16.07 13.44 12.50 12.43

60.66 17.61 14.88 13.10 12.91

NA

14.47

SIP PERFORMANCE

Top 10 holdings


27.84%

17.98%

15.06%

7.70%

5.63%

3.05%

2.96%

2.89%

2.21%

1.39%

1.12%

1.10%

0.94%

0.81%

Banks

Software


Finance

Pharmaceuticals

Auto

Gas

Fertilisers

Petroleum Products

Transportation


Consumer Durables

Chemicals

Cement

Equity Holdings

Auto 3.05%



Banks 27.84%






Cement 0.81%


Chemicals 0.94%








Dabur India Ltd. 2.36%

Britannia Industries Ltd. 1.93%


Fertilisers 2.89%


Finance 7.70%


ICICI Lombard General Insurance Co. Ltd.2.59%

HDFC Ltd. 1.83%


Gas 2.96%


Indraprastha Gas Ltd. 1.20%







Biocon Ltd. 2.28%



Software 17.98%

Infosys Ltd. 7.53%









Grand Total 100.00%

The investment objective of the scheme is to generate income by taking advantage of arbitrage opportunities that potentially exists between cash and derivative market and within the derivative segment of the equity market along with investments in debt securities & money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized.




Scheme Type: An open ended scheme investing in arbitrage opportunities.

Date of Allotment: January 25, 2019

Fund Size:

AUM as on 31/12/2020: ₹ 26.64 Cr


Load Structure:Entry Load: NilExit Load: Ÿ For redemption/switch out of units within 15

days from the date of allotment: 0.50% of applicable NAV.

Ÿ For redemption/switch out of units between 15 days to 1 month from the date of allotment: 0.25% of applicable NAV.

Ÿ For redemption/switch out of units after 1 month from the date of allotment: Nil

Benchmark: Nifty 50 Arbitrage Index






19

LIC MF

An open ended scheme investing in arbitrage opportunities

RBITRAGE FUND

NAV as on :December 31, 2020

NAV Regular Plan Direct Plan

Growth ₹ 10.8994 ₹ 11.0320

Weekly Dividend ₹ 10.6039 ₹ 10.3673

Monthly Dividend ₹ 10.6487 ₹ 10.0716

Company Company% of NAV % of NAV% of NAV (hedged)

% of NAV (hedged)


Weekly

Weekly Direct

Monthly

Monthly Direct

May, 2020

October, 2019

August, 2019

July, 2019

29 Dec, 2020

29 October, 2019

25 February, 2020

30 December, 2019

0.0891

0.0066

0.0929

0.0485

0.0600

0.0300

0.0600

0.0600

10.0640

10.3368

10.3583

10.3441

10.0000

10.0000

10.0000

10.0000

10.0000

10.0000

DIVIDEND HISTORY


Top 10 holdings

SCHEME PERFORMANCE

Scheme NIFTY 50 Arbitrage Index* NIFTY 50 Arbitrage Index*SchemeNifty 50 TRI** Nifty 50 TRI**

1 Year 3.56 2.36 16.09 10,357 10,237 11,614

3 Years NA NA NA NA NA NA

5 Years NA NA NA NA NA NA

Since Inception 4.55 4.38 15.77 10,899 10,865 13,273

PeriodCAGR (%) Value of lumpsum investment of 10,000/- ₹


stAbove returns are as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option. Mr. Yogesh Patil (equity portfolio) is managing the above scheme from 25th January 2019 & Mr. Marzban Irani (debt portfolio) is managing the above scheme from 25th January 2019. Total no. of schemes managed by Mr. Yogesh Patil is 11 and by Mr. Marzban Irani is 10. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. Date of allotment is 25th Jan'2019, hence returns are available for 1 yr & since inception. * Benchmark, ** Additional Benchmark. NA : Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index.

stAbove returns are as on 31 December, 2020. Past performance may or may not be

sustained in the future. # NIFTY 50 Arbitrage Index, ## NIFTY 50 TRI. Assuming ₹

10,000/- invested systematically on the first Business Day of every month over a

period of time.CAGR returns are computed after accounting for the cash by using

XIRR method (investment internal rate of return) for Regular Plan - Growth Option.

Load is not taken into consideration for computation of performance. The above

investment simulation is for illustrative purpose only and should not be construed

as a promise on minimum returns and safeguard of capital. The Mutual Fund is not

guaranteeing or promising or forecasting any returns. Since inception returns are

assumed to be starting from the beginning of the subsequent month from the date

of inception. The performance of the scheme is benchmarked to the Total Return

variant of the index.


Total Amount Invested ( )₹ 1,20,000 - 2,30,000

Market Value as on December 31, 2020 ( ) ₹ 1,21,825 2,38,716

Returns (CAGR) (%) 2.83 3.77



2.07

60.66

3.15

26.36

SIP PERFORMANCE

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

SIP Performance disclaimer:

March, 2020 0.0901

April, 2020 0.0268

0.0600

0.0600

28 Oct, 2020 10.1398


25 Nov, 2020 10.0982

14.58%

12.43%

9.31%

7.13%

6.64%

5.39%

3.63%

2.53%

2.14%

1.87%

1.17%

0.29%

Finance

Pharmaceuticals

Petroleum Products

Telecom - Services

Auto


Banks

Software

Ferrous Metals


Cement

Power

Equity Holdings

Auto 6.64% -6.66%

Maruti Suzuki India Ltd. 6.64% -6.66%

Banks 3.63% -3.63%

ICICI Bank Ltd. 2.47% -2.48%

State Bank of India 1.15% -1.16%

Cement 1.17% -1.17%

Shree Cement Ltd. 0.67% -0.68%

Grasim Industries Ltd. 0.49% -0.50%

Construction Project 5.39% -5.41%

Larsen & Toubro Ltd. 5.39% -5.41%

Consumer Non Durables 1.87% -1.87%

Dabur India Ltd. 1.87% -1.87%

Ferrous Metals 2.14% -2.15%

Tata Steel Ltd. 2.14% -2.15%

Finance 14.58% -14.61%

HDFC Ltd. 9.67% -9.69%

HDFC Life Ins Company Ltd. 3.12% -3.13%

Power Finance Co Ltd. 1.78% -1.79%

Petroleum Products 9.31% -9.35%

Reliance Industries Ltd. 9.31% -9.35%

Pharmaceuticals 12.43% -12.47%

Aurobindo Pharma Ltd. 8.72% -8.74%

Cipla Ltd. 2.09% -2.10%

Lupin Ltd. 1.63% -1.63%

Power 0.29% -0.29%

Tata Power Company Ltd. 0.29% -0.29%

Software 2.53% -2.54%

Infosys Ltd. 2.53% -2.54%

Telecom - Services 7.13% -7.16%

Bharti Airtel Ltd. 7.13% -7.16%

Equity Holdings Total 67.08% -67.31%

Mutual Fund/ETFs

Mutual Fund 25.43%

LIC MF Liquid Fund-DR PLN-GR 25.43%

Mutual Fund Holding Total/ETFs 25.43%


Grand Total 100.00%

The primary objective of the scheme is to generate credit risk free and reasonable returns for its investors

through investments in sovereign securities issued by the central and /or state Government and/or any

security unconditionally guaranteed by the central/ state government for repayment of Principal and interest

and/or reverse repos in such securities as and when permitted by RBI. However, there is no assurance that

the investment objective of the Schemes will be realized.



Quarterly (Regular) 10.0000 0.1500

10.0000 0.1500

December 28, 2017

September 29, 2017

June 29, 2017

March 27, 2018

December 28, 2017

September 29, 2017

10.0000 10.4179

10.8006

10.9665

0.1500

Quarterly (Direct) 10.0000 0.1500

10.0000 0.1500

10.0000 10.9575

10.9013

11.2701

0.1500

Quarterly (PF) December 27, 2012 10.0000 11.1882 0.2500

March 28, 2013 10.0000 10.1606 1.0000

June 26, 2013 10.0000 10.0868 0.3000

86.89%>365 days

94.49%

5.51%

Sovereign




SCHEME PERFORMANCE

DIVIDEND HISTORY


RATING PROFILE (% of NAV)

Scheme I-Sec Composite Index*

Crisil 10 yr Gilt Index**

Crisil 10 yr Gilt Index**

Scheme I-Sec Composite Index*

1 Year 10.94 9.23 11,097 10,926

3 Years 9.94 8.55 13,298 12,799

5 Years 8.86 8.01 15,292 14,705

Since Inception 7.75 NA

9.60

10.24

11.85

NA 48,232 NA

15,825

13,409

11,188

NA

PeriodCAGR (%)



option. Mr. Marzban Irani is managing the above scheme from 10th August, 2016 and total no. of schemes managed by him is 10. Past performance may or may not be

sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the

scheme was launched before the launch of the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional

Benchmark. NA : Not Available.


Scheme Type: An open ended debt scheme investing in government securities across maturity.


Fund Size:

AUM as on 31/12/2020: ₹ 65.43 Cr



Exit Load: 0.25% if exit within 30 days from date of

allotment of units

Benchmark: I-Sec Composite Index



Expense Ratio:Regular: 1.48; Direct: 0.76%(for detailed bifurcation on TER, please see page no 32)

Portfolio Metrics:Average Maturity 6.18 yearsMacaulay Duration 5.02 yearsModified Duration 4.88 yearsYTM 5.21%


NAV Regular Plan Direct Plan PF

Growth ₹ 48.2322 ₹ 51.4427 ₹ 27.8571

Dividend ₹ 13.9029 ₹ 14.8346 ₹18.0264

20

7.59%Up to 365 days


5.51%Cash & Other Receivables


Government Bond






Treasury Bill

91 Days Tbill Red 18-03-2021 SOV 7.59%

Treasury Bill Total 7.59%


Cash & Other Receivables 5.51%

Grand Total 100.00%

An open ended scheme which seeks to generate long term capital appreciation and offer Tax benefits u/s

80C of the Income Tax Act as well as additional benefits of a life cover and free accident insurance cover.

stAbove returns are as on 31 December, 2020. Past performance may or may not be sustained in the future. # Crisil Hybrid 35 + 65 - Aggressive Index, ## Nifty 50 TRI.

Assuming ₹ 10,000/- invested systematically on the 15th Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using

XIRR method (investment internal rate of return) for Regular Plan - Dividend re-investment Option. Load is not taken into consideration for computation of performance.

Returns for dividend option would assume reinvestment of dividends declared, net of dividend distribution tax, if any, at the then prevailing NAV. The above investment


promising or forecasting any returns. NA: Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index. * Scheme data & TRI value of

the Index are not available for since inception, hence performance for such period is not available.

79.11

0.33%

20.56%Up to 365 days

Equity Instruments




NA

NA

NA

NA


Returns (CAGR) (%) 42.96 12.17 10.33 9.27 9.53



44.33

63.44

16.33

17.87

13.60 12.57

15.08 13.19

12.48

12.99



SCHEME PERFORMANCE

SIP PERFORMANCE




Scheme CRISIL Hybrid 35+65 - Aggressive Index* CRISIL Hybrid 35+65 - Aggressive Index*SchemeNifty 50TRI**

Nifty 50 TRI**

1 Year 7.23 17.93 16.09 10,725 11,798 11,614

3 Years 6.41 10.29 11.28 12,056 13,427 13,790

5 Years 9.00 12.42 13.39 15,393 17,967 18,754

Since Inception 9.49 NA NA 1,74,872 NA NA

PeriodCAGR (%)


stAbove returns are as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Dividend

Re-investment option. Mr. Yogesh Patil (equity portfolio) is managing the above scheme from 18th September 2020, Ms. Ritu Modi (equity portfolio) is co-managing the above

scheme from 18th September 2020 & Mr. Marzban Irani (debt portfolio) is managing the above scheme from 10th August, 2016. Total no. of schemes managed by Mr. Yogesh

Patil is 11, by Ms. Ritu Modi is 7 and by Mr. Marzban Irani is 10. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation

of performance. Returns for dividend option would assume reinvestment of dividends declared, net of dividend distribution tax, if any, at the then prevailing NAV. The Mutual

Fund is not guaranteeing or promising or forecasting any returns. As the scheme was launched before the launch of the benchmark index, benchmark index figures since

inception or the required period are not available. * Benchmark, ** Additional Benchmark. NA : Not Available. NA : Not Available. The performance of the scheme is

benchmarked to the Total Return variant of the index.

Scheme Type: An open-ended insurance linked tax saving scheme

Date of Allotment: June 19, 1989

Fund Size:

AUM as on 31/12/2020: ₹ 338.66 Cr



Liquidity: Repurchase after lock-in period of 3 years from the date of Investment.


Minimum Investment (lumpsum):

₹10,000/- under Single Premium Option,

₹10,000/-under Regular Premium-Yearly Option,

₹3,000/-under Regular Premium-Quarterly

Option

₹1,000/-under Regular Premium-Monthly Option



Dividend ₹ 21.6080 ₹ 23.0295





21

Top 10 holdings

Co-Fund Manager:Name: Ms. Ritu Modi (Equity);Experience: 9+ years


19.99%

12.78%

9.79%

6.53%

6.17%

6.16%

5.11%

3.58%

2.85%

1.94%

1.67%

1.63%

0.91%

Banks

Software

Finance

Retailing

Pharmaceuticals


Chemicals

Consumer Durables

Petroleum Products

Telecom - Services

Construction

Auto


Equity Holdings

Auto 1.63%


Banks 19.99%




Chemicals 5.11%

Atul Ltd. 1.88%



Construction 1.67%




Bajaj Electricals Ltd. 1.09%





Finance 9.79%




HDFC Ltd. 0.63%











Retailing 6.53%


Trent Ltd. 1.33%

Aditya Birla Fashion and Retail Ltd. 0.97%

Software 12.78%

Infosys Ltd. 7.07%





Govt. Bond & Treasury Bill

Treasury Bill

182 Days Tbill Red 04-03-2021 10.28%

182 Days Tbill Red 11-03-2021 7.34%

182 Days Tbill Red 18-03-2021 1.47%

91 Days Tbill Red 18-03-2021 1.47%


Govt. Bond & Treasury Bill Total 20.56%


Grand Total 100.00%

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. However, there is no assurance that the

investment objective of the Schemes will be realized.

The Dhanvarsha - 12 Scheme has been converted into an open-ended monthly income plan w.e.f. 1/6/03.


Yearly 10.0000

10.0000

March 26, 2019

March 27, 2018

April 28, 2017

10.0000 10.8612

11.2243

11.3750

0.8400

0.6000

0.6000

Yearly Direct 10.0000

10.0000

0.6000

March 26, 2019

March 27, 2018

April 28, 2017

10.0000 11.3539

11.6343

11.7005

0.8400

0.6000

Monthly 10.0000

10.0000

Dec 29, 2020 10.0000 11.6263 0.0200

Monthly Direct 10.0000

10.0000

10.0000

Dec 29, 2020 11.2990 0.0600

Quarterly 10.0000

Sept 30, 2020 10.0000

10.0000

11.1426 0.1800

0.1800

0.1800

Quarterly Direct 10.0000

June 28, 2018

March 27, 2018

Dec 28, 2017

10.0000

10.0000

10.8458

11.0687

11.2582

0.1500

0.1500

0.1500

58.22%

22.70%

18.22%

>365 days

Up to 365 days

Equity Instruments



SCHEME PERFORMANCE



DIVIDEND HISTORY


Scheme CRISIL Hybrid 85+15-Conservative Index*

CRISIL Hybrid 85+15-Conservative Index*

CRISIL 10 year Gilt Index**

CRISIL 10 year Gilt Index**Scheme

1 Year 9.86 14.15 9.23 10,989 11,419 10,926

3 Years 6.61 9.99 8.55 12,122 13,319 12,799

5 Years 7.32 10.15 8.01 14,244 16,223 14,705

Since Inception 8.50 NA NA 63,185 NA NA

Period

CAGR (%) Value of lumpsum investment of 10,000/- ₹invested on inception date


option. Mr. Yogesh Patil (equity portfolio) is managing the scheme from 4th October 2018 & Mr. Marzban Irani (debt portfolio) is managing the scheme from 10th August, 2016.

Total no. of schemes managed by Mr. Yogesh Patil is 11 and by Mr. Marzban Irani is 10. Past performance may or may not be sustained in the future. Load is not taken into


the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional Benchmark. NA : Not Available. The


69.21%

22.70%

7.23%

0.85%

AAA/A1+ and Equivalent

Sovereign

Equity Instruments



Scheme Type: An open ended hybrid scheme investing predominantly In debt instruments


Fund Size:

AUM as on 31/12/2020: ₹ 81.82 Cr


Benchmark: Crisil Hybrid 85 + 15 - Conservative Index


Fund Manager:Name: Mr. Marzban Irani (Debt) & Mr. Yogesh Patil (Equity); Experience: 17+ years & 11+ years respectively

Expense Ratio:Regular: 2.25%; Direct: 1.50%(for detailed bifurcation on TER, please see page no 32)

Portfolio Metrics:Average Maturity 3.91 yearsMacaulay Duration 3.19 yearsModified Duration 3.09 yearsYTM 4.49 %



Growth ₹ 63.1854 ₹ 67.1963


Quarterly Dividend ₹ 11.7782 ₹ 13.5766

Yearly Dividend ₹ 12.7338 ₹ 13.4750

22


Exit Load




Top 10 holdings

December 31, 2019 11.0677

0.0600

0.0600

0.0500


June 26, 2020 11.1417

Oct 28, 2020 11.0067

Sept 29, 2020 11.0728


Nov 25, 2020 11.1463

Nov 25, 2020 11.4357 0.0400

Equity Holdings

Auto 0.87%


Banks 5.39%



Chemicals 0.50%







Gas 0.61%







Abbott India Ltd. 0.39%

Software 8.19%

Infosys Ltd. 4.60%






Corporate Debt

Non-Convertible Debentures

State Bank of India-Tier II Bonds (Under Basel III) 7.15%

NTPC Ltd. 0.09%

Non-Convertible Debentures Total 7.23%

Corporate Debt Total 7.23%

Govt. Bond & Treasury Bill

Government Bond

7.32% Govt of India Red 28-01-2024 34.04%

5.85% Govt of India Red 01-12-2030 12.27%

5.77% Govt of India Red 03-08-2030 3.10%

8.30% Govt of India Red 02-07-2040 0.90%

7.26% Govt of India Red 14-01-2029 0.68%

Govternment Bond Total 50.99%

Treasury Bill

182 Days Tbill Red 18-03-2021 18.22%


Govt. Bond & Treasury Bill Total 69.21%


Grand Total 100.00%

LIC MF Bond fund is an open-ended debt scheme which will endeavor to generate an attractive return for its

investors by investing in a portfolio is between 4 years and 7 years. However, there is no assurance that the

investment objective of the Schemes will be realized.


Daily * 10.0000 0.2000

10.0000 0.2000

March 27, 2018

December 28, 2017

September 29, 2017

10.0000 10.1018

10.1514

10.4690

0.1700

Daily Direct * June 29, 2016 10.0000 10.5374 0.2000

September 28, 2016 10.0000 10.9559 0.2000

January 3, 2017 10.0000 11.0619 0.2000


87.96%

>365 days

81.11%

12.04%

6.86%AAA / A1+ and Equivalent

Sovereign




SCHEME PERFORMANCE

DIVIDEND HISTORY



SchemeCRISIL Composite Bond Fund Index*

CRISIL 10 year Gilt Index**

CRISIL 10 year Gilt Index**Scheme

CRISIL Composite Bond Fund Index*

1 Year 8.79 12.25 9.23 10,882 11,229 10,926

3 Years 7.77 9.59 8.55 12,524 13,171 12,799

5 Years 7.53 9.25 8.01 14,379 15,572 14,705

Since Inception 8.43 NA NA 57,202 NA NA

PeriodCAGR (%)

Value of lumpsum investment of 10,000/- invested ₹on inception date



sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the

scheme was launched before the launch of the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional

Benchmark. NA : Not Available.


Scheme Type: An open ended medium term debt scheme investing in instruments with Macaulay Duration of the portfolio is between 4 years and 7 years (please refer page no 35 of SID)

Date of Allotment: June 23,1999

Fund Size:

AUM as on 31/12/2020: ₹ 231.44 Cr



Exit Load:

Ÿ 0.25% if redeemed or switched out on or before

completion of 15 days from the date of allotment of

units.

Ÿ No Exit Load is payable if units are

redeemed/switched-out after 15 days from the

date of allotment.

Benchmark: Crisil Composite Bond Fund Index







Growth ₹ 57.2022 ₹ 59.8647

Dividend ₹ 12.5384 ₹ 14.4687

23

An open-ended medium-term debt scheme investing in instruments with macaulay duration of the portfolio is between 4 years and 7 years (Please refer page no. 35 of SID)



Corporate Debt


NABARD ICRA AAA 4.33%

State Bank of India - Tier II Bonds (Under Basel III) ICRA AAA 2.53%




Government Bond














State Government Bond

7.98% Gujarat Sd Red 11-05-2026 SOV 0.26%

State Government Bond Total 0.26%



Grand Total 100.00%

The primary investment objective of the Scheme is to seek to generate income and capital appreciation by primarily investing in a portfolio of high quality debt and money market securities that are issued by banks, public sector undertakings, public financial institutions and Municipal Bonds. There is no assurance that the investment objective of the Scheme will be realized.


Daily *

December,2020 0.0189

Daily Direct *


Weekly *


Weekly Direct *

December, 2020 0.0299

Monthly

Dec 29, 2020 10.0000

10.0000

10.0000

10.7075 0.0600

Monthly Direct

Dec 29, 2020 10.0000

10.0000

10.0000

10.8637 0.0600

0.0600

66.42%

17.53%

15.57%Up to 91 days


> 365 Days

85.43%

14.09%

0.48%

AAA/ A1+ and Equivalent

Sovereign




SCHEME PERFORMANCE

DIVIDEND HISTORY



SchemeNifty Banking & PSU Debt Index*

Nifty Banking & PSU Debt Index*

CRISIL 1 year T-Bill Index**


Scheme

1 Year 8.53 10.40 5.88 10,856 11,043 10,590

3 Years 8.51 8.45 6.76 12,785 12,762 12,176

5 Years 7.96 8.20 6.68 14,673 14,838 13,823

Since Inception 7.70 8.63 6.49 27,405 30,804 23,501

PeriodCAGR (%)




sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. *

Benchmark, ** Additional Benchmark.

* Dividend under Daily and Weekly Plan are cumulative dividend declared during the month. After payment of the dividend, the per Unit NAV falls to the extent of the payout and statutory levy (if applicable). There is no guarantee or assurance to the unitholders as to the rate/quantum of neither dividend distribution nor that the dividends be paid regularly. For complete dividend history please visit www.licmf.com.

Scheme Type: An open ended debt scheme predominantly investing in debt instruments of banks, public sector undertakings, public financial institutions and municipal bonds.

Date of Allotment: May 31, 2007

Fund Size:

AUM as on 31/12/2020: ₹ 2,455.88 Cr: ₹ 2,256.57 CrAverage AUM for December 2020


Benchmark: Nifty Banking and PSU Debt Index


Fund Manager:Name: Mr. Marzban Irani Experience: 17+ years





Growth ₹ 27.4051 ₹ 28.8621

Daily Dividend ₹ 10.5763 ₹ 11.6782



24

Company CompanyRating Rating% of NAV % of NAV

0.48%

> 91 days up to 365 Days

0.0600

0.0600

0.0600

October,2020 0.0977

Oct 28, 2020 10.8833

October, 2020 0.1084

Oct 28, 2020 10.7386

October,2020 0.1000


November,2020 0.0707

Nov 25, 2020 10.8985

November, 2020 0.0614

October,2020 0.0962


Nov 25, 2020 10.7482


Corporate Debt


REC Ltd. CRISIL AAA 8.41%

NTPC Ltd. CRISIL AAA 7.72%

Power Finance Co Ltd. CRISIL AAA 7.22%

National Housing Bank CRISIL AAA 6.28%

HDFC Ltd. CRISIL AAA 6.13%

Indian Oil Co Ltd. CRISIL AAA 5.05%


Reliance Industries Ltd. CRISIL AAA 2.60%

Indian Railway Finance Co Ltd. CRISIL AAA 2.59%

Export Import Bank of India CRISIL AAA 1.72%

Power Grid Co of India Ltd. CRISIL AAA 1.39%

Housing & Urban Development Corp Ltd. CARE AAA 1.09%

Housing & Urban Development Corp Ltd. ICRA AAA 1.08%

Housing & Urban Development Corp Ltd. FITCH AAA 1.08%

Oil & Natural Gas Co Ltd. ICRA AAA 1.03%

State Bank of India CRISIL AAA 0.83%

Small Industries Development Bk of India ICRA AAA 0.21%



Money Market Instruments

Certificate of Deposit

Bank of Baroda FITCH A1+ 8.03%

Kotak Mahindra Bank Ltd. CRISIL A1+ 6.10%

Small Industries Development Bk of India CRISIL A1+ 5.80%

Axis Bank Ltd. CRISIL A1+ 5.06%

Certificate of Deposit Total 25.00%

Commercial Paper

Export Import Bank of India CARE A1+ 2.01%

Commercial Paper Total 2.01%

Money Market Instruments Total 27.01%


Government Bond







Treasury Bill





Grand Total 100.00%

The primary investment objective of the scheme is to generate returns commensurate with risk from a

portfolio constituted of Debt securities and/or Money Market instruments. However, there can be no

assurance that the investment objective of the scheme will be achieved.

74.74%

23.40%


> 365 Days

Up to 365 Days






Scheme Type: An Open Ended Short Term Debt scheme investing in instruments with Macaulay duration between 1 year and 3 years. (please refer page no 35 of SID)

Date of Allotment: February 1, 2019

Fund Size:

AUM as on 31/12/2020: ₹ 661.23 Cr



Benchmark: CRISIL Short Term Bond Fund Index


Fund Manager:Name: Mr. Marzban Irani Experience: 17+ years





Growth ₹ 11.7356 ₹ 11.9747

Dividend ₹ 11.7356 ₹ 11.9747

25

69.95%

28.19%

1.86%



Sovereign

SCHEME PERFORMANCE

Scheme CRISIL Short TermBond Fund Index*

CRISIL Short TermBond Fund Index*



Scheme

1 Year 8.25 10.39 5.88 10,827 11,042 10,590

3 Years NA NA

NA NA

NA NA

NA NA

NA NA

NA NA5 Years

Since Inception 8.72 10.19 6.60 11,736 12,043 11,303

PeriodCAGR (%)



option. Mr. Marzban Irani is managing the above scheme from 1st February, 2019 and total no. of schemes managed by him is 10. Also, Mr. Sanjay Pawar is co managing the

above scheme from 1st September, 2020 and total no. of schemes managed by him is 2. Past performance may or may not be sustained in the future. Load is not taken into

consideration for computation of performance. Date of allotment is 1st Feb '2019, hence returns are available for 1 yr & since inception. The Mutual Fund is not guaranteeing or

promising or forecasting any returns. * Benchmark, ** Additional Benchmark.

Co-Fund Manager:Name: Mr. Sanjay PawarExperience: 9+ years


Corporate Debt


Housing & Urban Development Corp Ltd. FITCH AAA 8.01%



Indian Oil Co Ltd. CRISIL AAA 5.50%


NTPC Ltd. CRISIL AAA 3.37%

Small Industries Development Bk of India ICRA AAA 3.11%

Reliance Industries Ltd. CRISIL AAA 2.45%

Indian Railway Finance Co Ltd. CRISIL AAA 2.42%

Power Grid Co of India Ltd. CRISIL AAA 1.76%


Export Import Bank of India CRISIL AAA 1.65%

L&T Infra Debt Fund Ltd. CRISIL AAA 1.63%

India Infradebt Ltd. ICRA AAA 1.58%


State Bank of India CRISIL AAA 0.77%



Money Market InstrumentsCertificate of Deposit

Kotak Mahindra Bank Ltd. CRISIL A1+ 7.56%



Small Industries Development Bk of India CRISIL A1+ 1.05%



Government Bond & Treasury BillGovernment Bond












Grand Total 100.00%

The investment objective of the scheme is to generate returns through investment in Debt & Money Market instruments such that the Macaulay duration of the portfolio is between 3 months - 6 months. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The scheme does not assure or guarantee any returns.

67.71%

27.13%

5.15%


> 365 Days

Up to 365 Days






Scheme Type: An Open Ended Ultra Short Term Debt scheme investing in instruments with Macaulay duration between 3 months - 6 months (Please refer Page No. 45)


Fund Size:

AUM as on 31/12/2020: ₹ 95.28 Cr



Benchmark: CRISIL Ultra Short Term Debt Index


Fund Manager:Name: Mr. Rahul Singh Experience: 12+ years


Portfolio Metrics:Average Maturity 106 daysMacaulay Duration 106 daysModified Duration 103 daysYTM 2.99 %

26

57.13%

27.13%


Sovereign



Growth ₹ 1048.3914 ₹ 1051.3289

Daily Dividend ₹ 1014.1956 ₹ 1000.1956

Weekly Dividend ₹ 1012.6079 ₹ 1019.7193

Monthly Dividend ₹ 1048.3701 ₹ 1051. 3087


DIVIDEND HISTORY


SCHEME PERFORMANCE

SchemeCRISIL Ultra ShortTerm Debt Index*

CRISIL Ultra ShortTerm Debt Index*

CRISIL 1 Year T-Bill Index**


Scheme

1 Year

7 Days

3 Years

15 Days

10,431

NA

10,183

10,004

10,015

10,027

10,091

NA

4.30

NA

3.63

4.35

3.67

2.94

3.62

NA

10,617

NA

10,247

10,010

10,018

10,034

10,120

NA

6.15

NA

4.89

5.27

4.45

3.68

4.76

NA

10,590

NA

10,184

10,009

10,014

10,028

10,107

NA

5.88

NA

3.65

4.46

3.50

2.99

4.26

NA5 Years

1 Month

3 Months

6 Months

Since Inception 4.41 6.10 5.72 10,484 10,671 10,628

PeriodCAGR (%)


stAbove returns are as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option. Mr. Rahul Singh is managing the above scheme from 27th November, 2019 and total no. of schemes managed by him is 4. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. Since respective schemes have not completed relevant period (3 years or 5 years) after allotment or units were not available throughout the respective period, no returns are available. * Benchmark, ** Additional Benchmark. NA : Not Available.

Value of lumpsum investment of 10,000/- ₹

Daily *


Daily Direct *

December,2020

October,2020

3.3572

5.7760

Weekly *

Weekly Direct *

15.73%



An Open Ended Ultra Short Term Debt scheme investing in instruments with Macaulay duration between 3 months to 6 months (Please refer page no. 45 of SID)

June,2020 5.8688

August,2020 5.4748

October,2020 6.1493

September,2020 5.0564

October,2020 2.1866





Corporate Debt



National Highways Authority of India CRISIL AAA 3.26%




Commercial Paper

HDFC Ltd. CARE A1+ 5.23%

Network18 Media & Investments Ltd. ICRA A1+ 2.09%




Treasury Bill






Grand Total 100.00%

Presenting

Your LIC Premium due dates

No need to remember



Eligible schemes for premium deduction

∗

∗

A convenient and better way to pay your

LIC Premium through LIC Mutual Fund

Ÿ Regular income for short termŸ Investment in debt / money market instruments with

maturity of upto 91 days. Ÿ Risk - Low to Moderate

Ÿ Regular Income for short termŸ A fund that focuses on low duration securities.Ÿ Risk - Moderate to Moderate

Please go through the terms and conditions on the mandate form carefully before registering. For further details, consult your financial advisor or nearest LIC MF branch.

Ÿ Invest in LIC MF Schemes (Liquid Fund, Savings Fund or Banking &

PSU Debt Fund under Growth Option) in your name.

Ÿ To register for Auto-SWP Facility, fill up the mandate form completely.

Ÿ Submit the mandate form to the LIC MF Investor Service Centre

Ÿ Premiums for the registered LIC policies will be directly paid to LIC from your LIC

MF Schemes.

Ÿ Once registered, no hassle to remember due dates of various policies.

Ÿ Risk of policy lapsation is eliminated.

Ÿ Avail benefit of a grace period too.

Ÿ Periodic SMS/ Email alert to the investor.

Low

Low toModerate


High

Very High

RISKOMETER HIGHLOW

Investors understand that their principalwill be at Moderate risk

Low

Low toModerate


High

Very High

RISKOMETER HIGHLOW

Investors understand that their principalwill be at Low to Moderate risk

Ÿ Regular income for medium term capital appreciation with current income

Ÿ An income fund that invests predominantly in debt and money market instruments issued by Banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds.

Ÿ Risk - Moderate

The investment objective of the Scheme is to generate income by investing in a portfolio of quality short term debt securities. However, there is no assurance that the investment objective of the Schemes will be realized.


Daily *

Daily Direct *


Weekly *


Weekly Direct *

March,2020

May,2019

0.0056

0.0641

Monthly 10.0000

September 29, 2020 10.0000

10.0000

10.6050 0.0600

Monthly Direct July 24, 2013 10.0000 10.0500 0.0025

August 27, 2013 10.0000 10.1434 0.0913

September 1, 2013 10.0000 10.0631 0.1319

41.91%

36.88%

19.56%

1.64%

Up to 91 days

> 365 Days

> 91 days up to 365 Days




SCHEME PERFORMANCE


RATING PROFILE (% of NAV)DIVIDEND HISTORY

65.10%

32.16%

1.64%


Sovereign


SchemeCRISIL Low

Duration Debt Index*CRISIL Low

Duration Debt Index*CRISIL 1 Year T-Bill Index**


Scheme

1 Year

6 Months

3 Months

1 Month

15 Days

7 Days

6.96

6.60

4.90

2.36

3.78

5.26

7.45

5.94

5.99

3.45

4.34

4.99

5.88

3.65

4.26

2.99

3.50

4.46

10,697

10,332

10,123

10,022

10,016

10,010

10,747

10,300

10,151

10,032

10,018

10,010

10,59010,184

10,107

10,028

10,014

10,009

3 Years 5.86 7.91 6.76 11,870 12,574 12,176

5 Years 6.47 7.91 6.68 13,689 14,637 13,823

Since Inception 6.65 7.37 6.06 30,981 34,912 28,142

PeriodCAGR (%)


stAbove returns are as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option. Mr. Rahul Singh is managing the above scheme from 7th September, 2015 and total no. of schemes managed by him is 4. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. *Benchmark, **Additional Benchmark.


Scheme Type: An open ended low duration debt scheme investing in instruments with Macaulay Duration of the portfolio is between 6 months and 12 months (please refer page no 27 of SID)


Fund Size:

AUM as on 31/12/2020: ₹ 955.39 Cr: ₹1,048.71 CrAverage AUM for December 2020

Load Structure:Entry Load: Nil Exit Load: Nil, w.e.f. 15th October 2019

Benchmark: CRISIL Low Duration Debt Index


Fund Manager:Name: Mr. Rahul Singh

12+ yearsExperience:





Growth ₹ 30.9808 ₹ 32.6828

Daily Dividend ₹ 10.4547 ₹ 10.1000


Monthly Dividend ₹ 10.7398 ₹ 17. 0774

28

Valuation haircut deviation. The details available on AMC Website under the link:https://www.licmf.com/assets/pdf/statuary_disclosure_new/38/1561125176-Update-on-Exposures-in-Dewan-Housing-F inance-Corporat ion-L imi ted-(DHFL)-21.06.2019.pdf

Security Desc

11.55% DEWAN

HSG FIN 12-09-19

P 12-09-17

Face Value Receivable 2,500.00

Interest Receivable 128.95

Total Receivable 2,628.95

% of NAV as on 31.12.2020 2.75%

Securities in default beyond its maturity date:

# Disclaimer

# Disclaimer

February,2020 0.0287


1.10%AA+/AA


0.0600July 29, 2020 10.6709

0.060010.6351August 27, 2020

October,2020 0.0582

October,2020 0.0561

October,2020 0.0618





Corporate Debt



Bajaj Finance Ltd. CRISIL AAA 5.43%



National Highways Authority of India CRISIL AAA 2.38%

HDB Financial Services Ltd. CRISIL AAA 1.70%

State Bank of India - AdditionalTier I Bonds (Under Basel III)

CRISIL AA+ 0.98%

Mahindra & Mahindra Fin Serv Ltd. CARE AAA 0.58%


HDFC Bank Ltd. - AdditionalTier I Bonds (Under Basel III)

CRISIL AA+ 0.13%






Export Import Bank of India CARE A1+ 5.20%



Commercial Paper

Hero Fincorp Ltd. CRISIL A1+ 5.14%

Tata Motors Finance Ltd. ICRA A1+ 5.01%

Berger Paints (I) Ltd. CRISIL A1+ 2.61%

Larsen & Toubro Ltd. CRISIL A1+ 2.60%

Reliance Industries Ltd. CRISIL A1+ 2.58%

Power Finance Co Ltd. CRISIL A1+ 2.56%


Network18 Media & Investments Ltd. ICRA A1+ 1.04%




Treasury Bill







Grand Total 100.00%

https://www.licmf.com/assets/pdf/statuary_disclosure_new/38/1561125176-Update-on-Exposures-in-Dewan-Housing-Finance-Corporation-Limited-(DHFL)-21.06.2019.pdf




The investment objective of the Scheme is to provide reasonable returns commensurate with low risk and

providing a high level of liquidity, through investments made primarily in overnight securities having

maturity/residual maturity of 1 business day. However, there can be no assurance that the investment

objective of the scheme will be achieved.



Company % of NAV

Scheme Type: An open-ended debt scheme investing in overnight securities.

Date of Allotment: July 18, 2019

Fund Size:

AUM as on 31/12/2020: ₹ 316.72 Cr



Benchmark: NIFTY 1D Rate Index





Portfolio Metrics:Average Maturity 1 dayMacaulay Duration 1 dayModified Duration 1 dayYTM 2.54 %

29

An open ended debt scheme investing in overnight securities

LIC MF

FUNDVERNIGHT



Growth ₹ 1056.5783 ₹ 1058.5856

Daily Dividend ₹ 1000.0000 ₹ 1000.0000

Weekly Dividend - ₹ 1000.1452

Dividend ₹1056.8530 ₹ 1058.3395


Daily *

Daily Direct *

Weekly Direct *

December, 2020

December, 2020

December, 2020

1.5280

2.8445

2.3911

DIVIDEND HISTORY


SCHEME PERFORMANCE

SchemeNIFTY 1D

Rate Index*NIFTY 1D

Rate Index*CRISIL 1 Year T-Bill Index**


Scheme

1 Year

7 Days 2.82 3.06 4.46 10,005 10,006 10,009

3 Years

15 Days 2.92 10,012

10,024

10,071

10,328

NA

10,145

NA

2.88

2.81

3.27

NA

2.88

NA

3.15 10,013

10,026

10,076

10,342

NA

10,156

NA

3.11

3.03

3.41

NA

3.10

NA

3.50 10,014

10,025

10,107

10,590

NA

10,184

NA

2.96

4.26

5.88

NA

3.65

NA5 Years

1 Month

3 Months

6 Months

Since Inception 3.85 3.97 6.20 10,566 10,583 10,917

PeriodCAGR (%)


stAbove returns are as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option. Mr. Rahul Singh is managing the above scheme from 18th July, 2019 and total no. of schemes managed by him is 4. Since respective schemes have not completed relevant period (3yr or 5yr) after allotment or units were not available throughout the respective period, no returns are available. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. * Benchmark, ** Additional Benchmark. NA : Not Available.


75.57%

24.43%Up to 365 days


75.57%

24.43%AAA/A1+ and Equivalent





Grand Total 100.00%

October, 2020 2.4164

October, 2020 2.3588

October, 2020 1.5819


November, 2020 1.1231

November, 2020 2.1291

November, 2020 2.1071

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through

judicious mix of investment in money market instruments and quality debt instruments. However, there is no

assurance that the investment objective of the Schemes will be realized.


Daily *

December, 2020 2.6787

Daily Direct *

December, 2020 2.8095

46.34%

36.02%

Up to 60 days

> 60 Days



SCHEME PERFORMANCE

DIVIDEND HISTORY



36.02%

35.41%AAA/A1+ and Equivalent

Sovereign


28.56%

SchemeCRISIL Liquid Fund Index*

CRISIL Liquid Fund Index*



Scheme

1 Year

7 Days

4.27

3.42

4.60

3.62

5.88

4.46

10,428

10,007

10,461

10,007

10,590

10,009

3 Years

15 Days

6.02

3.25

6.34

3.58

6.77

3.50

11,919

10,013

12,026

10,015

12,172

10,014

5 Years

1 Month

3 Months

6 Months

6.45

2.88

3.06

3.14

6.63

3.26

3.60

3.79

6.68

2.96

4.26

3.65

13,673

10,024

10,077

10,159

13,788

10,028

10,091

10,191

13,823

10,025

10,107

10,184

Since Inception 7.17 NA 6.09 36,743 NA 30,382

PeriodCAGR (%)


stAbove returns are as on 31 December, 2020. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option. Mr. Rahul Singh is managing the above scheme from 5th October, 2015 and total no. of schemes managed by him is 4. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the scheme was launched before the launch of the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional Benchmark. NA : Not Available.


Scheme Type: An open-ended liquid scheme


Fund Size:

AUM as on 31/12/2020: ₹ 6,406.82 Cr: ₹ 6,405.13 CrAverage AUM for December 2020

Load Structure:Entry Load: Nil Exit Load:

Benchmark: Crisil Liquid Fund Index








Growth ₹ 3674.2913 ₹ 3706.7438

Dividend ₹ 1098.0000 ₹ 1098.0000

30



Investor exit uponSubscription

Exit load as a % ofredemption / switch out

proceeds

Day 1 0.0070%

Day 2 0.0065%

Day 3 0.0060%

Day 4 0.0055%

Day 5 0.0050%

Day 6 0.0045%

Day 7 onwards 0.0000%

w.e.f. 20th October 2019

October, 2020 3.0956

October, 2020 2.9779

17.63%



November, 2020 2.9023

November, 2020 2.7773



ICICI Bank Ltd. CARE A1+ 1.95%

NABARD CRISIL A1+ 1.95%

Small Industries Devl Bk of India CRISIL A1+ 1.17%



Commercial Paper

Axis Finance Ltd. FITCH A1+ 5.44%

Birla Group Holdings Pvt Ltd. CRISIL A1+ 4.63%

Larsen & Toubro Ltd. CRISIL A1+ 4.28%

Reliance Retail Ventures Ltd. CRISIL A1+ 3.12%

Chennai Petroleum Co Ltd. ICRA A1+ 3.11%

NABARD CRISIL A1+ 2.72%


Chambal Fertilizers & Chem Ltd. CRISIL A1+ 1.56%

Sundaram Home Finance Ltd. CRISIL A1+ 1.55%

Network18 Media & InvestmentsLtd.

ICRA A1+0.75%

Berger Paints (I) Ltd. CRISIL A1+0.39%




Treasury Bill











Grand Total 100.00%

Comparative Performance of Open Ended Schemes

1 Year 3 Years 5 Years Since Inception

LIC MF Multi Cap Fund

LIC MF Arbitrage Fund


10.34

3.56

3.56

5.03

NA

NA

6.42

4.55

4.55

8.26

NA

NA

Nifty 500 TRI #

NIFTY 50 Arbitrage Index #

NIFTY 50 Arbitrage Index #

17.84

2.36

2.36

7.91

NA

NA

NA

4.38

4.38

12.70

NA

NA

NIFTY 50 TRI ##

NIFTY 50 TRI ##

NIFTY 50 TRI ##

16.09

16.09

16.09

11.28

NA

NA

12.79

15.77

15.77

13.39

NA

NA

LIC MF Banking & Financial Services Fund -2.09 7.13-1.27 3.27

Nifty Financial Services TRI # 4.73 17.3913.75 14.12

NIFTY 50 TRI ## 16.09 13.3911.28 10.75

LIC MF Index Fund - Sensex Plan 15.89 11.93 13.4412.67

S&P BSE Sensex TRI # 17.11 13.22 17.8014.25

NIFTY 50 TRI ## 16.09 11.28 17.0113.39

LIC MF Index Fund - Nifty Plan 14.65 9.80 12.5611.82

NIFTY 50 TRI # 16.09 11.28 17.0113.39

S&P BSE Sensex TRI ## 17.11 13.22 17.8014.25

LIC MF Equity Hybrid Fund 9.58 5.90 8.658.58

CRISIL Hybrid 35+65 - Aggressive Index # 17.93 10.29 NA12.42

NIFTY 50 TRI ## 16.09 11.28 14.3813.39

LIC MF Debt Hybrid Fund 9.86 6.61 8.507.32

CRISIL Hybrid 85+15 - Conservative Index # 14.15 9.99 NA10.15

CRISIL 10 year Gilt Index ## 9.23 8.55 NA8.01

LIC MF Children's Gift Fund 12.35 5.35 3.907.91


NIFTY 50 TRI ## 16.09 11.28 16.3213.39

LIC MF G-Sec Long Term Exchange Traded Fund 11.06 9.50 8.668.80

Nifty 8-13 yr G-Sec Index # 11.45 9.72 9.019.17

CRISIL 10 year Gilt Index ## 9.23 8.55 8.028.01

LIC MF Equity Hybrid Fund 9.58 5.90 8.658.58


NIFTY 50 TRI ## 16.09 11.28 14.3813.39

LIC MF Unit Linked Insurance Scheme 7.23 6.41 9.499.00


NIFTY 50 TRI ## 16.09 11.28 NA13.39

LIC MF Government Securities Fund 10.94 9.94 7.758.86

I-Sec Composite Index # 11.85 10.24 NA9.60


LIC MF Debt Hybrid Fund 9.86 6.61 8.507.32

CRISIL Hybrid 85+15 - Conservative Index # 14.15 9.99 NA10.15


LIC MF Bond Fund 8.79 7.77 8.437.53

CRISIL Composite Bond Fund Index # 12.25 9.59 NA9.25


LIC MF Children's Gift Fund 12.35 5.35 3.907.91


NIFTY 50 TRI ## 16.09 11.28 16.3213.39

LIC MF Banking & PSU Debt Fund 8.53 8.51 7.707.96

Nifty Banking and PSU Debt Index # 10.40 8.45 8.638.20

CRISIL 1 Year T-Bill Index ## 5.88 6.76 6.496.68

LIC MF Large Cap Fund 13.77 9.61 4.6711.31

Nifty 100 TRI # 16.03 9.98 NA13.17

NIFTY 50 TRI ## 16.09 11.28 10.4513.39

LIC MF Large & Mid Cap Fund 14.04 6.30 11.0313.76

Nifty LargeMidcap 250 TRI # 20.81 6.70 10.9113.16

NIFTY 50 TRI ## 16.09 11.28 9.6913.39

LIC MF Infrastructure Fund -0.13 -1.15 3.316.07

Nifty Infrastructure TRI # 14.30 2.06 0.517.47

NIFTY 50 TRI ## 16.09 11.28 10.3813.39

LIC MF Tax Plan 8.90 6.40 9.1111.29

Nifty 500 TRI # 17.84 7.91 14.8012.70

NIFTY 50 TRI ## 16.09 11.28 13.2813.39

LIC MF Exchange Traded Fund - Nifty 50 15.89 11.15 13.1113.25

NIFTY 50 TRI # 16.09 11.28 13.3213.39

S&P BSE Sensex TRI ## 17.11 13.22 14.1314.25

LIC MF Exchange Traded Fund - Sensex 16.96 13.18 13.9214.19

S&P BSE Sensex TRI # 17.11 13.22 13.9714.25

NIFTY 50 TRI ## 16.09 11.28 13.1813.39

LIC MF Exchange Traded Fund - Nifty 100 15.58 9.63 14.81NA

NIFTY 100 TRI # 16.03 9.98 15.21NA

NIFTY 50 TRI ## 16.09 11.28 15.30NA


Crisil Hybrid 35 + 65 - Aggressive Index # 17.93 10.29 NA12.42

NIFTY 50 TRI ## 16.09 11.28 NA13.39

CAGR (%)

September 18, 2020

September 18, 2020

August 10, 2016

August 10, 2016

August 10, 2016

September 18, 2020

September 18, 2020

September 18, 2020

Funds managed by Ms. Ritu Modi

August 10, 2016

August 10, 2016

August 10, 2016

August 10, 2016

August 10, 2016

November 12, 2001

May 31, 2007

September 1, 1994

February 25, 2015

December 24, 2014

January 1, 1991

June 19, 1989

December 10, 1999

Scheme managed by the current Fund Manager since

October 4, 2018

January 25, 2019

January 25, 2019

October 4, 2018

November 1, 2019

November 1, 2019

November 1, 2019

November 1, 2019

November 1, 2019

October 4, 2018

October 4, 2018

October 4, 2018

Funds managed by Mr. Yogesh Patil

March 24, 2008

March 31, 1997

November 20, 2015

November 30, 2015

March 17, 2016

June 19, 1989

June 23, 1999

Date of Inception

April 15, 1993

January 25, 2019

January 25, 2019

June 1, 1998

March 27,2015

December 5, 2002

December 5, 2002

January 1, 1991

June 1, 1998

November 12, 2001

Funds managed by Mr. Marzban Irani

LIC MF Short Term Debt Fund 8.25 NA 8.72NA

CRISIL Short Term Bond Fund Index # 10.39 NA 10.19NA

CRISIL 1 Year T-Bill Index ## 5.88 NA 6.60NA

February 1, 2019February 1, 2019

31 Factsheet October, 2020

LIC MF Large Cap Fund 13.77 9.61 4.6711.31

Nifty 100 TRI # 16.03 9.98 NA13.17

NIFTY 50 TRI ## 16.09 11.28 10.4513.39

November 1, 2019September 1, 1994


Crisil Hybrid 35 + 65 - Aggressive Index # 17.93 10.29 NA12.42

NIFTY 50 TRI ## 16.09 11.28 NA13.39

September 18, 2020June 19, 1989

31 Factsheet January, 2021

stAbove returns are as on 31 December 2020. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance. The Mutual

Fund is not guaranteeing or promising or forecasting any returns. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan -

Dividend Re-investment option for LIC MF ULIS & Regular Plan - Growth option for others schemes. Since respective schemes have not completed relevant period (1yr, 3yr or 5yr) after

allotment or units were not available throughout the respective period, no returns are available. In case, the start/end date of the concerned period is a nonbusiness date, the NAV of the

previous date is considered for computation of returns. The performance of the scheme is benchmarked to the Total Return variant of the index. As the scheme was launched before the

launch of the benchmark index, benchmark index figures since inception or the required period are not available. NA : Not Available. # Benchmark. ## Additional Benchmark.

Total Expense Ratios st(as on 31 December, 2020)

1. Base TER excludes additional expenses provided in Regulation 52(6A)(b) and 52(6A)(c) of SEBI (Mutual Funds) Regulations, 1996 and Goods and Services Tax (GST) on investment and advisory fees as per

applicable rate. 2. Additional Expenses not exceeding 0.30% in terms of Regulation 52(6A)(b) of SEBI (Mutual Funds) Regulations, 1996. 3. Additional Expenses not exceeding 0.05% in terms of Regulation 52(6A)(c) of

SEBI (Mutual Funds) Regulations, 1996. 4. Present GST rate is 18%. 5. Percentages mentioned above are annualized. 6. Base TER of direct plan shall have a lower expense ratio excluding distribution expenses,

commission, etc., and no commission shall be paid from such plans.

Scheme NameBase TER

(%)1

Additional

expense as per

Regulation

52(6A)(b) (%)2

Additional

expense as per

Regulation

52(6A)© (%)3

GST (%)4Total TER

(%)

Base TER

(%)1

Additional

expense as per

Regulation

52(6A)(b) (%)2

Additional

expense as per

Regulation

52(6A)© (%)3

GST (%)4Total TER

(%)

Regular Plan Direct Plan

LIC MF Banking & Financial Services Fund 2.25 0.12 0.05

0.20 2.62

1.26 - 0.05 0.19 1.50

LIC MF Equity Hybrid Fund 2.25 0.04

0.05

0.18

2.52

1.15

- 0.05 0.18 1.38

LIC MF Infrastructure Fund 2.25 0.01

0.05

0.18

2.49

1.02

- 0.05 0.15 1.22

LIC MF Large & Mid Cap Fund 2.09

0.13

0.12

0.09

0.05

0.10

2.37

0.73

- 0.05 0.10 0.88

LIC MF Large Cap Fund 2.25

0.05

0.19

2.61

1.19

- 0.05 0.18 1.42

LIC MF Multicap Fund 2.25 0.02

0.05

0.23

2.55

1.40

- 0.05 0.22 1.67

LIC MF Tax Plan 2.25

-

0.16

2.50

1.13

- - 0.16 1.29

LIC MF Index Fund- Sensex Plan 1.00

- 0.03

0.05

1.08

0.50

- 0.030.05 0.58

LIC MF Index Fund-Nifty Plan 1.00

-

- 0.03

1.03

0.45

- - 0.03 0.48

LIC MF Children's Gift Fund 2.25 0.02

-

0.15

2.42

1.28

- - 0.14 1.42

LIC MF Unit Linked Insurance Scheme 2.25 0.03

-

-

2.28

1.20

- - - 1.20

LIC MF ETF-Nifty 100 0.25

-

- 0.01

0.26

-

- - - -

LIC MF ETF-Nifty 50 0.10

-

- -

0.10

-

- - - -

LIC MF ETF-Sensex 0.10 - - - 0.10 - - - - -

LIC MF G-Sec Long Term ETF 0.25 - - 0.02 0.27 - - - - -

LIC MF Banking & PSU Debt Fund 0.80 - - 0.03 0.83 0.25 - - 0.03 0.28

LIC MF Bond Fund 1.07 - - 0.01 1.08 0.17 - - 0.01 0.18

LIC MF Debt Hybrid Fund 2.00 - 0.05 0.20 2.25 1.25 - 0.05 0.20 1.50

LIC MF Govt. Securities Fund 1.35 - 0.05 0.08 1.48 0.63 - 0.05 0.08 0.76

LIC MF Liquid Fund 0.24 -

-

-

-

0.01 0.25 0.10 -

-

-

-

0.01 0.11

LIC MF Savings Fund


LIC MF Short Term Debt Fund

LIC MF Overnight Fund

LIC MF Ultra Short Term Fund

0.80

0.97

1.40

0.20

0.40

-

-

-

-

-

-

-

-

-

-

0.03

0.02

0.04

-

-

0.83

0.99

1.44

0.20

0.40

0.26

0.41

0.35

0.07

0.20

-

-

-

-

-

-

-

-

-

-

0.03

0.02

0.04

-

-

0.29

0.43

0.39

0.07

0.20

32

Funds managed by Mr. Sanjay Pawar

LIC MF Savings Fund 6.96 5.86 6.656.47

CRISIL Low Duration Debt Index # 7.45 7.91 7.377.91


LIC MF Liquid Fund 4.27 6.02 7.176.45

Crisil Liquid Fund Index # 4.60 6.34 NA6.63


October 5, 2015

September 7, 2015

Funds managed by Mr. Rahul Singh

June 9, 2003

March 18, 2002

LIC MF Overnight Fund 3.27 3.85

NIFTY 1D Rate Index # 3.41 3.97

CRISIL 1 Year T-Bill Index ## 5.88 6.20

July 18, 2019

NA NA

NA NA

NA NA

July 18, 2019

LIC MF G-Sec Long Term Exchange Traded Fund 11.06 9.50 8.668.80

Nifty 8-13 yr G-Sec Index # 11.45 9.72 9.019.17

CRISIL 10 year Gilt Index ## 9.23 8.55 8.028.01

September 1, 2020December 24, 2014

LIC MF Short Term Debt Fund 8.25 NA 8.72NA

CRISIL Short Term Bond Fund Index # 10.39 NA 10.19NA

CRISIL 1 Year T-Bill Index ## 5.88 NA 6.60NA

September 1, 2020February 1, 2019

LIC MF Ultra Short Term Fund 4.30 4.41

CRISIL Ultra Short Term Debt Index # 6.15 6.10

CRISIL 1 Year T-Bill Index ## 5.88 5.72

November 27, 2020

NA NA

NA NA

NA NA

November 27, 2020


Summary : Key Features of the Schemes st(as on 31 December, 2020)

RP: Regular Plan, DP: Direct Plan, SIP: Systematic Investment Plan, STP: Systematic Transfer Plan, SWP: Systematic Withdrawal Plan. For Current Expense ratio details of all the Schemes, Investors are requested to

visit www.licmf.com. Direct Plan is a separate plan for direct investments i.e. investments not routed through a distributor. Note: Investors are advised to refer to the Scheme Information Document (SID), Key Information

Memorandum (KIM) and addenda issued from time to time, to know the terms and features of the schemes as prevailing on the date of submission of application for subscription/redemption/switch. Investors are requested

to read the relevant notice and addenda to the SID and KIM available at www.licmf.com for further details. #Any day SIP date is applicable from 1st to 28th. Any day SIP is not applicable for LIC MF Unit Linked Insurance

Scheme.

Scheme Name LIC MF Multi Cap Fund LIC MF Large Cap Fund LIC MF Large & Mid Cap FundLIC MF Banking & Financial ServicesFund

Scheme TypeAn Open Ended Equity Scheme Investing Across Large Cap, Mid Cap, Small Cap Stocks

An Open Ended Equity Scheme Predominantly Investing In Large Cap Stocks

An Open Ended Equity Scheme Investing In Both Large Cap And Mid Cap Stocks

An Open Ended Equity Scheme Investing In Banking & Financial Companies

Allotment Date April 15, 1993 September 1, 1994 February 25, 2015 March 27, 2015

Ideal Investment Horizon 3 Years Plus 3 Years Plus 3 Years Plus 3 Years Plus

Plan Available RP/DP RP/DP RP/DP RP/DP

Option Available Growth/Dividend Growth/Dividend Growth/Dividend Growth/Dividend

Benchmark Nifty 500 TRI Nifty 100 TRI Nifty LargeMidcap 250 TRI Nifty Financial Services TRI

Min Investment Amt(lumpsum) ₹ 5000 ₹ 5000 ₹ 5000 ₹ 5000

Min Additional Amt(lumpsum)

₹ 500 ₹ 500 ₹ 500 ₹ 500

Min Redemption Amt ₹ 500 ₹ 500 ₹ 500 ₹ 500

SIP dates Any day# Any day# Any day# Any day#

SIP Frequency Daily / Monthly / Quarterly Daily / Monthly / Quarterly Daily / Monthly / Quarterly Daily / Monthly / Quarterly

Min SIP Amountthereafter, 2) Monthly - ₹ 1000/- & in

1) Daily - ₹ 300/- & in multiples of ₹ 1/-

multiples of ₹ 1/- thereafter, 3) Quarterly -

₹ 3000/- & in multiples of ₹ 1/- thereafter.

thereafter, 2) Monthly - ₹ 1000/- & in












Fund Manager Mr. Yogesh PatilMr. Yogesh PatilMs. Ritu Modi (Co-Fund Manager)

Mr. Yogesh Patil Mr. Yogesh Patil

Entry Load NIL NIL NIL NIL

Exit Load

• 0.25% if redeemed or switch out onor before completion of 7 Days fromthe date of allotment of units• Nil after 7 days

Riskometer Risk - Very High Risk - Very High Risk - Very High Risk - Very High

Facility Available SIP/STP/SWP SIP/STP/SWP SIP/STP/SWP SIP/STP/SWP

Scheme Name LIC MF Infrastructure Fund LIC MF Tax Plan LIC MF Index Fund - Nifty Plan LIC MF Index Fund - Sensex Plan

Scheme Type An Open Ended Equity Scheme Investing In Infrastructure Companies

An Open Ended Equity Linked Saving Scheme With A Statutory Lock In Of 3 Years And Tax Benefit

An Open Ended Scheme Replicating/Tracking Nifty 50 Index

An Open Ended Scheme Replicating/Tracking S & P Bse Sensex

Allotment Date March 24, 2008 March 31, 1997 December 5, 2002 December 5, 2002

Ideal Investment Horizon 3 Years Plus 3 Years Plus 3 Years Plus 3 Years Plus


Option Available Growth/Dividend Growth/Dividend Growth/Dividend Growth/Dividend

Benchmark Nifty Infrastructure TRI Nifty 500 TRI Nifty 50 TRI S&P BSE Sensex TRI

Min Investment Amt ₹ 5000 ₹ 500 ₹ 5000 ₹ 5000

Min Additional Amt (lumpsum) ₹ 500 ₹ 500 ₹ 500 ₹ 500

Min Redemption Amt (lumpsum) ₹ 500 ₹ 500 ₹ 500 ₹ 500

SIP dates Any day# Any day# Any day# Any day#

SIP Frequency Daily / Monthly / Quarterly Daily / Monthly / Quarterly Daily / Monthly / Quarterly Daily / Monthly / Quarterly

Min SIP Amount

Fund Manager Mr. Yogesh Patil Mr. Yogesh Patil Ms. Ritu Modi Ms. Ritu Modi


Exit Load NIL (subject to lock-in period of 3 years)

Riskometer Risk - Very High Risk - Very High Risk - Very High Risk - Very High

Facility Available SIP/STP/SWP SIP/STP/SWP SIP/STP/SWP SIP/STP/SWP

















33
















• 0.25% if redeemed or switch out onor before completion of 7 Days fromthe date of allotment of units• Nil after 7 days


Summary : Key Features of the Schemes st(as on 31 December, 2020)

RP: Regular Plan, DP: Direct Plan, SIP: Systematic Investment Plan, STP: Systematic Transfer Plan, SWP: Systematic Withdrawal Plan. For Current Expense ratio details of all the Schemes, Investors are requested to

visit www.licmf.com. Direct Plan is a separate plan for direct investments i.e. investments not routed through a distributor. Note: Investors are advised to refer to the Scheme Information Document (SID), Key Information

Memorandum (KIM) and addenda issued from time to time, to know the terms and features of the schemes as prevailing on the date of submission of application for subscription/redemption/switch. Investors are requested

to read the relevant notice and addenda to the SID and KIM available at www.licmf.com for further details. #Any day SIP date is applicable from 1st to 28th. Any day SIP is not applicable for LIC MF Unit Linked Insurance

Scheme.

Scheme NameLIC MF Exchange Traded Fund - Nifty 100


LIC MF Exchange Traded Fund - Sensex

Scheme TypeAn Open Ended Scheme Replicating/Tracking Nifty 100 Index

An Open Ended Scheme Replicating/Tracking Nifty 50 Index

An Open Ended Scheme Replicating/Tracking Sensex Index

Allotment Date March 17, 2016 November 20, 2015 November 30, 2015

Ideal Investment Horizon 3 Years Plus 3 Years Plus 3 Years Plus

Plan Available RP RP RP

Option Available Growth Growth Growth

Benchmark Nifty 100 TRI Nifty 50 TRI S&P BSE Sensex TRI

Min Investment Amt(lumpsum)

For Subscription / Redemption of units directly with MF : 2,00,000 units. For purchase through Stock Exchange : 1 unit

For Subscription / Redemption of units directly with MF : 50,000 units. For purchase through Stock Exchange : 1 unit

For Subscription/ Redemption of units directly with MF : 2,000 units. For purchase through Stock Exchange : 1 unit

Min Additional Amt(lumpsum)Min Redemption Amt(lumpsum)

SIP dates

SIP Frequency

Min SIP Amount

Fund Manager Ms. Ritu Modi Ms. Ritu Modi Ms. Ritu Modi

Entry Load NIL

- - -

-

-

- - -

- -

- -

-

-

-

-

-

-

NIL NIL

Exit Load NIL NIL NIL

Riskometer Risk - Very High Risk - Very High Risk - Very High

Facility Available

Scheme Name LIC MF Equity Hybrid Fund LIC MF Debt Hybrid FundLIC MF Unit Linked InsuranceScheme

LIC MF Children's Gift Fund

Scheme TypeAn Open Ended Hybrid Scheme Investing Predominantly In Equity And Equity Related Instruments

An Open Ended Hybrid Scheme Investing Predominantly In Debt Instruments

An Open-Ended Insurance Linked Tax Saving Scheme

An Open Ended Fund For Investment For Children Having A Lock-In for at least 5 Years Or Till The Child Attains Age Of Majority (Whichever Is Earlier)

Allotment Date January 01, 1991 June 01, 1998 June 19, 1989 November 12, 2001

Ideal Investment Horizon 3 Years Plus 1 Year Plus 3 Years Plus 5 Years Plus


Option Available Growth/Dividend Growth/Dividend Dividend Reinvestment Growth

Benchmark Crisil Hybrid 35 + 65 - Aggressive Index Crisil Hybrid 35 + 65 - Aggressive Index Crisil Hybrid 35 + 65 - Aggressive IndexCrisil Hybrid 85 + 15 - Conservative Index

Min Investment Amt(lumpsum)

₹ 5000 ₹ 5000

₹ 10,000/- under Single Premium Option, ₹ 10,000/- under Regular Premium - Yearly option, ₹ 1,000/- under Regular Premium - Monthly Option

₹ 5000

Min Additional Amt (lumpsum) ₹ 500 ₹ 500 ₹ 500

Min Redemption Amt (lumpsum) ₹ 500 ₹ 500 ₹ 1000 ₹ 500

SIP dates Any day# Any day# 15th Any day#

SIP Frequency Daily / Monthly / Quarterly Daily / Monthly / Quarterly Monthly / Quarterly Daily / Monthly / Quarterly

Min SIP Amount1) Monthly - ₹ 1000/- 2) Quarterly - ₹ 3000/-

Fund ManagerMr. Yogesh Patil (Equity), Mr. Marzban Irani (Debt)

Mr. Marzban Irani (Debt), Mr. Yogesh Patil (Equity)

Mr. Yogesh Patil (Equity)Ms. Ritu Modi (Equity, Co-Fund Manager)Mr. Marzban Irani (Debt)

Mr. Marzban Irani (Debt), Mr. Yogesh Patil (Equity)


Exit Load NIL (subject to lock-in period of 3 years) NILLock-in Period:- at least 5 years or till the child attains age of majority whichever is earlier on every Business Day).

Riskometer Risk - Very High Risk - Moderately High Risk - Very High Risk - Very High

Facility Available SIP/STP/SWP SIP/STP/SWP SIP SIP/STP/SWP













LIC MF Government Securities Fund

An Open Ended Debt Scheme Investing in Government Securities Across Maturity

December 10, 1999

3 Years Plus

RP/DP

Growth/Dividend/PF

I-Sec Composite Index

₹ 10000

₹ 500

₹ 500

Any day#

Monthly / Quarterly

1) Monthly - ₹ 1000/- & in multiples of ₹ 1/- thereafter, 2) Quarterly - ₹ 3000/- & in multiples of ₹ 1/- thereafter

Mr. Marzban Irani

NIL

0.25% if exit within 30 days from the date of allotment of units

Risk - Moderate

SIP/STP

LIC MF G-Sec Long Term Exchange

Traded Fund

An Open Ended Scheme Replicating / Tracking Nifty 8-13 Yr G-Sec Index

December 24, 2014

3 Years Plus

RP

-

-

-

-

-

-

Growth

Nifty 8-13 yr G-Sec Index

For Subscription / Redemption of units directly with MF : 1,00,000 units. For purchase through Stock Exchange : 1 unit

Mr. Marzban Irani

NIL

NIL

Risk - Moderate

34







Mr. Sanjay Pawar (Co-Fund Manager)


Summary : Key Features of the Schemes

RP: Regular Plan, DP: Direct Plan, SIP: Systematic Investment Plan, STP: Systematic Transfer Plan, SWP: Systematic Withdrawal Plan. For Current Expense ratio details of all the Schemes, Investors are requested to visit www.licmf.com. Direct Plan is a separate plan for direct investments i.e. investments not routed through a distributor. Note: Investors are advised to refer to the Scheme Information Document (SID), Key Information Memorandum (KIM) and addenda issued from time to time, to know the terms and features of the schemes as prevailing on the date of submission of application for subscription/redemption/switch. Investors are requested to read the relevant notice and addenda to the SID and KIM available at www.licmf.com for further details. #Any day SIP date is applicable from 1st to 28th. Any day SIP is not applicable for LIC MF Unit Linked Insurance Scheme.

Scheme Name

Scheme Name

LIC MF Liquid Fund

LIC MF Arbitrage Fund LIC MF Short Term Debt Fund LIC MF Overnight Fund

LIC MF Savings Fund LIC MF Banking & PSU Debt Fund

Scheme Type

Scheme Type

An Open-Ended Liquid Scheme

An open ended scheme investing in arbitrage opportunities

An Open Ended Short Term Debt scheme investing in instruments with Macaulay duration between 1 year and 3 years (Please refer Page No 35 of SID)

An open-ended debt scheme investing in overnight securities.

An Open Ended Low Duration Debt Scheme Investing In Instruments With Macaulay Duration Of The Portfolio Is Between 6 Months And 12 Months (Please refer Page No.27)

An Open Ended Debt Scheme Predominantly Investing In Debt Instruments Of Banks, Public Sector Undertakings, Public Financial Institutions And Municipal Bonds

Allotment Date

Allotment Date

March 18, 2002

January 25, 2019 February 01, 2019 July 18, 2019

June 09, 2003 May 31, 2007

Ideal Investment Horizon

Ideal Investment Horizon

1 Day Plus

1 Day Plus1 Year Plus 3 Years Plus

6 Months Plus 3 Years Plus

Plan Available

Plan Available

RP/DP

RP/DP RP/DP RP/DP

RP/DP RP/DP

Option Available

Option Available

Growth/Dividend

Growth/Dividend Growth/Dividend Growth/Dividend

Growth/Dividend Growth/Dividend

Benchmark

Benchmark

Crisil Liquid Fund Index

Nifty 50 Arbitrage Index Crisil Short Term Bond Fund Index NIFTY 1D Rate Index

CRISIL Low Duration Debt Index Nifty Banking and PSU Debt Index

Min Investment Amt (lumpsum)

Min Investment Amt (lumpsum)

₹ 5000

₹ 5000 ₹ 5000 ₹ 5000

₹ 5000 ₹ 5000

Min Additional Amt (lumpsum)

Min Additional Amt (lumpsum)

₹ 500

₹ 500 ₹ 500 ₹ 500

₹ 500 ₹ 500

Min Redemption Amt (lumpsum)

Min Redemption Amt (lumpsum)

₹ 500

₹ 500 ₹ 500 ₹ 500

₹ 500 ₹ 500

SIP dates

SIP dates

Any day#

Any day# Any day# Any day#

Any day# Any day#

SIP Frequency

SIP Frequency

Monthly / Quarterly

Daily / Monthly / Quarterly Daily / Monthly / Quarterly Daily / Monthly / Quarterly

Monthly / Quarterly Monthly / Quarterly

Min SIP Amount

Min SIP Amount

1) Monthly - ₹ 1000/- & in multiples of ₹ 1/- thereafter, 2) Quarterly - & 3000/- & in multiples of ₹ 1/- thereafter

1) Daily - ₹ 300/- & in multiples of ₹ 1/- thereafter, 2) Monthly - ₹ 1000/- & in multiples of ₹ 1/- thereafter, 3) Quarterly - & 3000/- & in multiples of ₹ 1/- thereafter

1) Daily - ₹ 300/- & in multiples of ₹ 1/- thereafter,2) Monthly - ₹ 1000/- & in multiples of ₹ 1/- thereafter, 3) Quarterly - & 3000/- & in multiples of ₹ 1/- thereafter

1) Daily - ₹ 300/- & in multiples of ₹ 1/- thereafter, 2) Monthly - ₹ 1000/- & in multiples of ₹ 1/- thereafter, 3) Quarterly - & 3000/- & in multiples of ₹ 1/- thereafter



Fund Manager

Fund Manager

Mr. Rahul Singh Mr. Rahul Singh Mr. Marzban Irani

Entry Load

Entry Load

NIL

NIL NIL NIL

NIL NIL

NIL

NIL

NIL

Exit Load

Exit Load

See below note* NIL

Riskometer

Riskometer

Risk - Low to Moderate

Risk - Low Risk - Moderate Risk - Low

Risk - Low to Moderate Risk - Moderate

Facility Available

*LIC MF Liquid Fund Exit Load :

Facility Available

SIP/STP/SWP

SIP/STP/SWP SIP/STP/SWP SIP/STP/SWP

SIP/STP/SWP SIP/STP/SWP

35

Mr. Yogesh Patil (Equity), Mr. Marzban Irani (Debt) Mr. Marzban IraniMr. Sanjay Pawar (Co-Fund Manager)

Mr. Rahul Singh

Ÿ For redemption/switch out of units within 15 days from the date of allotment: 0.50% of applicable NAV.

Ÿ For redemption/switch out of units between 15 days to 1 month from the date of allotment: 0.25% of applicable NAV.

Ÿ For redemption/switch out of units after 1 month from the date of allotment: Nil

st(as on 31 December, 2020)

Investor exit upon Subscription Day 1 Day 2 Day 3 Day 4 Day 5 Day 6 Day 7 onwards

Exit load as a % of redemption/switch out proceeds 0.0070% 0.0065% 0.0060% 0.0055% 0.0050% 0.0045% 0.0000%


Summary : Key Features of the Schemes

RP: Regular Plan, DP: Direct Plan, SIP: Systematic Investment Plan, STP: Systematic Transfer Plan, SWP: Systematic Withdrawal Plan. For Current Expense ratio details of all the Schemes, Investors are requested to visit www.licmf.com. Direct Plan is a separate plan for direct investments i.e. investments not routed through a distributor. Note: Investors are advised to refer to the Scheme Information Document (SID), Key Information Memorandum (KIM) and addenda issued from time to time, to know the terms and features of the schemes as prevailing on the date of submission of application for subscription/redemption/switch. Investors are requested to read the relevant notice and addenda to the SID and KIM available at www.licmf.com for further details. #Any day SIP date is applicable from 1st to 28th. Any day SIP is not applicable for LIC MF Unit Linked Insurance Scheme.

Scheme Name LIC MF Ultra Short Term Fund

Scheme Type An Open Ended Ultra Short Term Debt scheme investing in instruments with Macaulay duration between 3 months - 6 months (Please refer Page No. 45 of SID)

Allotment Date November 27, 2019

Ideal Investment Horizon Upto 6 months

Plan Available RP/DP

Option Available Growth/Dividend

Benchmark CRISIL Ultra Short Term Debt Index

Min Investment Amt (lumpsum) ₹ 5000

Min Additional Amt (lumpsum) ₹ 500

Min Redemption Amt (lumpsum) ₹ 500

SIP dates Any day#

SIP Frequency Daily / Monthly / Quarterly

Min SIP Amount1) Daily - ₹ 300/- & in multiples of ₹ 1/- thereafter, 2) Monthly - ₹ 1000/- & in multiples of ₹ 1/- thereafter, 3) Quarterly - & 3000/- & in multiples of ₹ 1/- thereafter

Fund Manager

Entry Load NIL

Exit Load

Riskometer Risk - Low to Moderate

Facility Available SIP/STP/SWP

36

Mr. Rahul Singh

st(as on 31 December, 2020)

NIL


LIC MF Bond Fund

An open ended medium term debt scheme investing in instruments with Macaulay duration of the portfolio is between 4 years and 7 years (Please refer Page No.35 of SID).

June 23, 1999

3 Years Plus

RP/DP

Growth/Dividend

Crisil Composite Bond Fund Index

₹ 5000

₹ 500

₹ 500

Any day#

Monthly / Quarterly

Mr. Marzban Irani

NIL

Risk - Moderate

SIP/STP/SWP

Ÿ 0.25% if redeemed or switched out on or before completion of 15 days from the date of allotment of units.

Ÿ No Exit Load is payable if units are redeemed/switched-out after 15 days from the date of allotment.

Disclaimer for Index TRI

As TRI data is not available since inception of LIC MF Equity Hybrid Fund, benchmark performance is calculated using composite CAGR of Nifty 50 PRI values from date 1-Jan-1991 to date 30-Jun-1999 and TRI values since date 30-Jun-1999

(1) LIC MF Equity Hybrid Fund

(2) LIC MF Multi Cap Fund

(3) LIC MF Large Cap Fund

(4) LIC MF Tax Plan

As TRI data is not available since inception of LIC MF Multicap Fund, benchmark performance is calculated using composite CAGR of Nifty 50 PRI values from date 15-Apr-1993 to date 30-Jun-1999 and TRI values since date 30-Jun-1999

As TRI data is not available since inception of LIC MF Large Cap Fund, benchmark performance is calculated using composite CAGR of Nifty 50 PRI values from date 01-Sep-1994 to date 30-Jun-1999 and TRI values since date 30-Jun-1999

As TRI data is not available since inception of LIC MF Tax Plan, benchmark performance is calculated using composite CAGR of Nifty 50 PRI values from date 31-Mar-1997 to date 30-Jun-1999 and TRI values since date 30-Jun-1999

The benchmark of LIC MF Large Cap Fund, LIC MF Multi Cap Fund, LIC MF Large & Mid Cap Fund, LIC MF Banking and Financial Services Fund, LIC MF

Infrastructure Fund, LIC MF Tax Plan, LIC MF Banking & PSU Debt Fund, LIC MF Savings Fund have been changed w.e.f. 4th June, 2018. For further details, please

visit www.licmf.com


37

GLOSSARY OF TERMSApplication Amount for Fresh Subscription: This is the minimum investment amount for a new investor in a mutual fund scheme

Asset allocation: Investment of certain proportions of a portfolio in different assets classes like Equity, Debt, Gold etc..

Asset allocation for Equity: The allocation is based on industry classification and not any separate sector classification.

AUM: AUM or assets under management refers to the recent / updated cumulative market value of investments managed by a mutual fund or any investment firm.

Benchmark: A group of securities, usually a market index, whose performance is used as a standard or benchmark to measure investment performance of mutual funds, among other investments. Some typical benchmarks include the Nifty, Sensex, BSE200, BSE500, 10-year Gsec.

Beta: Beta is a measure of an investment’s volatility vis-a-vis the market. Beta of less than 1 means that the security will be less volatile than the market. A beta of greater than 1 implies that the security’s price will be more volatile than the market.

Entry Load: A mutual fund may have a sales charge or load at the time of entry and/or exit to compensate the distributor/agent. Entry Load is charged at the time an investor purchases the units of a mutual fund. The entry load is added to the prevailing NAV at the time of investment. For instance, if the NAV is Rs 100 and the entry load is 1%, the investor will enter the fund at Rs 101.

Exit Load: Exit load is charged at the time an investor redeems the units of a mutual fund. The exit load is reduced from the prevailing NAV at the time of redemption. The investor will receive redemption proceed at net value of NAV less Exit Load. For instance if the NAV is Rs 100 and the exit load is 1%, the investor will receive Rs 99.

Expense ratio: The expense ratio is the annual fee that funds or ETFs charge their unit holders. It expresses the percentage of assets deducted each fiscal year for fund expenses.

Fund Manager: An Employee of the asset management company such as a mutual fund or life insurer, who manages investments of the scheme. He is usually part of a larger team of fund managers and research analysts.

Maturity profile: Maturity is a term defined with respect to Debt Instruments which have fixed maturities after which they cease to exist on payment of the principal and the stipulated interest. A fund's profile consisting of the allocation of the value of assets in terms of percentage and their time left to maturity respectively is called a maturity profile. It gives a summary of the breakup of the value of assets with different specified maturities.

Holdings: The holdings or the portfolio is a mutual fund’s latest or updated report statement of investments/securities. These are usually displayed in terms of percentage to net assets or the rupee value or both. The objective is to give investors an idea of where their money is being invested by the fund manager.

Minimum Additional Amount: This is the minimum investment amount for an existing investor in a mutual fund scheme.

Macaulay Duration: Macaulay Duration is the weighted average term to maturity of the cash flows from a bond. The weight of each cash flow is determined by dividing the present value of the cash flow by the price.

Nature of Scheme: The investment objective and underlying investments determine the nature of the mutual fund scheme. For instance, a mutual fund that aims at generating capital appreciation by investing in stock markets is an equity fund or growth fund. Likewise, a mutual fund that aims at capital preservation by investing in debt markets is a debt fund or income fund. Each of these categories may have subcategories.

NAV: The NAV or the net asset value is the total asset value per unit of the mutual fund after deducting all related and permissible expenses. The NAV is calculated at the end of every business day. It is the value at which the investor enters or exits the mutual fund.

Portfolio turnover ratio: Portfolio turnover is a measure of how frequently assets within a fund are bought and sold by the managers. This ratio measures the fund's trading activity, which is computed by taking the lesser of purchases or sales and dividing by average monthly net assets.

Portfolio Yield: Disclosure only required for Debt Funds.

Rating Profile: Mutual funds invest in securities after evaluating their creditworthiness as disclosed by the ratings. A depiction of the mutual fund in various investments based on their ratings becomes the rating profile of the fund. Typically, this is a feature of debt funds.

Risk Free Returns: MIBOR rate for 1 day. To be sourced from FIMMDA (http://www.fimmda.org) for last day of the month.

Sector allocation: Sector allocation may be defined as an allocation of funds in a certain percentage of the portfolio in different sectors of the economy.

Sharpe Ratio: The Sharpe Ratio, names after its founder, the Nobel Laureate William Sharpe, is a measure of risk-adjusted returns. It is calculated using standard deviation and excess return to determine reward per unit of risk.

SIP: SIP or systematic investment plan works on the principle of making periodic investments of a fixed sum. Its works similar to a recurring bank deposit. For instance, an investor may opt for an SIP that the invests Rs 500 every 15 of the month in an equity fund for a period of three years.

SIP Return: The SIP return calculation should be based on Rs. 10,000 invested every month. Returns would be 1 year, 3 year, 5 year, 7 year etc.

Standard Deviation: Standard deviation is a statistical measure of the range of an investment’s performance. When a mutual fund has a high standard deviation, its means its range of performance is wide, implying greater volatility.

Tracking error: Tracking error is the difference between a portfolio's returns and the benchmark or index it was meant to mimic or beat. Tracking error is sometimes called active risk.

Yield to Maturity: The Yield to Maturity or the YTM is the rate of return anticipated on a bond if held until maturity. YTM is expressed as an annual rate. The YTM factors in the bond’s current market price, par value, coupon interest rate and time to maturity.

BRANCH OFFICES Ahmedabad: Jeevan Sadan, 3rd Flr, LIC Bldg, Opp. Capital Commercial Center, Ahmedabad 380006. Tel.: 079-26588301/40380568. Bangalore: No.4, Canara Mutual Building (Opp. Cash

Pharmacy), 2nd Floor, Residency Rd, Bangalore 560025. Tel.: 080-22118478/22295598. Bhubaneswar: Plot no-2B&2C, Ground floor, Behind Ram Mandir, Unit-3, Kharavel Nagar,

Bhubaneswar 751001, Odisha. Tel.: 9439455522. Chandigarh: S.C.O.-20-30, Jeevan Prakash Building, Ground Floor, LIC Divisional Office, Sector-17B, Chandigarh 160017. Tel.: 0172-

4622030. Chennai: 15, Anna Salai, Next to V.G.P. Bldg., Chennai 600002. Tel.: 044-28411984/28555883. Coimbatore: 'India Life Building', LIC Divisional Office, No:1543/44,Trichy Road,

Coimbatore-641018. Tel.: 0422-4393014 Ernakulam: 11th Floor, Jeevan Prakash, M.G. Road, Ernakulam, Kochi 682011. Tel.: 0484-2367643. Ghatkopar: LIC Mutual Fund Asset

Management Limited, Office No. 19, Ground Floor, Zest Business Centre, MG Road, Near Doshi Nursing Home, Ghatkopar East, Mumbai, Maharashtra - 400 077. Goa: Jeevan Vishwas

Building, Edc Complex, Plot No. 2, Patto, Panaji, Goa - 403001. Tel.: 0832-2988100 Guwahati: LIC Mutual Fund Asset Management Limited, Jeevan Prakash Building, Ground Floor, S. S.

Road, Fancy Bazar, Guwahati - 781 001. Hyderabad: House No. 5-9-57, 4th Floor, Jeevan Jyoti Building, Basheerbagh, Hyderabad 500029. Tel.: 040-23244445/23210572. Indore: U.V.

House, 1st Floor, Snehil 9/1-A South Tukoganj, Indore 452001. Tel.: 0731-2520262. Jaipur: LIC Divisional Office-1 Campus, Ground Floor, Jeevan Nidhi-II (Investment Building), Bhawani

Singh Road, Ambedkar Circle, Jaipur 302005. Tel.: 0141-2743620. Kanpur: Jeevan Vikas, Ground Floor, 16/98, M.G. Road, Kanpur 208001. Tel.: 0512-2360240/3244949. Kolkata: Ground

Floor, Hindustan Building Annexe, 4, Chittaranjan Avenue, Kolkata 700072. Tel.: 033-22129455. Lucknow: Jeevan Prakash, Ground Floor, Main & Annexe Building, 30, Hazratganj, Lucknow

226001. Tel.: 0522-2231186. Mangalore: LIC Mutual Fund Asset Management Limited, No. 6, Ground Floor, Popular Building, K S Rao Road, Mangalore - 575 001. Tel. No.: 0824-2411482.

Mumbai: Gr. Floor, Industrial Assurance Bldg., Opp. Churchgate Station, Mumbai 400020. Tel.: 022-22885971/22817163 / 2nd Floor, Jeevan Chintamani, Near R.T.O., Eastern Express

Highway, Thane - 400 604. Tel.: 022-25804738. Nagpur: Jeevan Seva Bldg., Mount Road, Sadar, Nagpur 440001. Tel.: 0712-2542497. Nashik: Shop No.2, Ground Floor, Rajvee Enclave, New

Pandit Colony, Nashik 422002. Tel.: 0253-2579507. New Delhi: 7th Floor, Jeevan Prakash, 25 K.G. Marg, New Delhi 110001. Tel.: 011-23359190/23314396. Patna: LIC Mutual Fund Asset

Management Limited, Office No. 212, Adison Arcade, Fraser Rod, Near Maurya Hotel, Dist. Patna - 800001. Pune: LIC of India, Pune D.O.-I, 6/7, Shivaji Nagar, University Road, Pune 411005.

Tel.: 020-25537301. Raipur: 1st Floor, Phase 1, Investment Building, LIC of India, Jeevan Bima Marg, Pandri, Raipur, Chhattisgarh - 492004. Phone No.: 0771 - 2236780. Rajkot: LIC of India

Bldg., Jeevan Prakash, Tagore Marg, Rajkot 360002. Tel.: 0281- 2461522. Ranchi: 2nd Floor, Narasaria Tower, Opposite Lalpur Police Station, Ranchi-834001. Tel.: 0651-2206372 Surat:

Office No – D- 117, International Trade Centre (Itc), Majuragate Crossing, Ring Road- Surat- 395002. Tel.: 0261-4862626. Varanasi: CBO 4, LIC of India Divisional Office, Bhelupur Gauriganj,

Varanasi U.P.: 221 001


38

Agartala: Ols Rms Chowmuhani, Mantri Bari Road,1St Floor, Near Traffic Point, Tripura West, Agartala, Tripura, 799001 / 0381-2317519; Agra: House No. 17/2/4, 2Nd Floor, Deepak Wasan Plaza, Behind Hotel Holiday

Inn, Sanjay Place, In The City Of Agra, Agra, Uttar Pradesh, 282002 / 7518801801; Ahmedabad: 201/202 Shail Complex, Opp: Madhusudan House, B/H Girish Cold Drink, Off C G Road, Navrangpura, Ahmedabad,

Gujarat, 380006 / 9081903021; Ajmer: 302, 3Rd Floor, Ajmer Auto Building, Opposite City Power House, Jaipur Road; Ajmer, Rajasthan, 305001 / 0145-5120725; Akola: Yamuna Tarang Complex, Shop No 30, Ground

Floor, N.H. No- 06, Murtizapur Road, Opp Radhakrishna Talkies, Akola, Maharashthra, 444004 / 0724-2451874; Aligarh: Sebti Complex Centre Point, In The City Of Aligarh, Aligarh, Uttar Pradesh, 202001 / 7518801802;

Allahabad: Meena Bazar" 2Nd Floor, 10, S. P. Marg, Civil Lines, Subhash Chauraha, In The City Of Allahabad, Allahabad, Uttar Pradesh, 211001 / 7518801803; Alleppy: 1St Floor, Jp Towers, Mullackal, Ksrtc Bus Stand,

Alleppy, Kerala, 688011 / 0477 2263055; Alwar: Office Number 137, First Floor, Jai Complex Road No – 2, Alwar, Rajasthan, 301001 / 0144-2335550 / 0144-2335551; Amaravathi: Shop No. 21, 2Nd Floor, Gulshan

Tower, Near Panchsheel Talkies, Jaistambh Square, Amaravathi, Maharashthra, 444601 / 0721 2569198; Ambala: 6349,2Nd Floor, Nicholson Road, Adjacent Kos Hospitalambala Cant, Ambala, Haryana, 133001 /

7518801804; Amritsar: 72-A, Taylor'S Road, Opp Aga Heritage Club, Amritsar, Punjab, 143001 / 0183-5053802; Anand: B-42 Vaibhav Commercial Center, Nr Tvs Down Town Shrow Room, Grid Char Rasta, Anand,

Gujarat, 380001 / 9081903038; Ananthapur: Plot No: 12-313, Balaji Towers, Srinagar, Ananthapur Village, Anantapur, Andhra Pradesh, 515001 / 8554244449; Asansol: 114/71 G T Road, Bhanga Panchil Near Nokia

Care, Asansol, West Bengal, 713303 / 0341-2220077; Aurangabad: Shop No B 38, Motiwala Trade Centre, Nirala Bazar, Aurangabad, Maharashthra, 431005 / 0240-2343414; Azamgarh: House No. 290, Ground Floor,

Civil Lines, Near Sahara Office, In The City Of Azamgarh, Azamgarh, Uttar Pradesh, 276001 / 7518801805; Balasore: 1-B. 1St Floor, Kalinga Hotel Lane, Baleshwa, Baleshwar Sadar, Balasore, Orissa, 756001 / 06782-

260503; Bangalore: 59, Skanda Puttanna Road, Basavanagudi, Bangalore, Karnataka, 560004 / 080-26602852; Bankura: Plot Nos- 80/1/A,Natunchati Mahalla, 3Rd Floor,, Ward No-24, Opposite P.C Chandra,

Bankura Town, Bankura, West Bengal, 722101 / 9434480586; Bareilly: 54-Civil Lines, Ayub Khan Chauraha, Civil Lines Road, In The City Of Deoria, , Bareilly, Uttar Pradesh, 243001 / 7518801806; Barhampore (Wb):

Thakur Market Complex, Gorabazar, Post Berhampore Dist Murshidabad, 72 No Nayasarak Road, Barhampore (Wb), West Bengal, 742101 / 0348- 2274494; Baroda: 203, Corner Point, Jetalpur Road, Baroda, Gujarat,

Baroda, Gujarat, 390007 / 0265-2353506; Begusarai: C/O Dr Hazari Prasad Sahu, Ward No 13, Behind Alka Cinema, Begusarai (Bihar), Begusarai, Bihar, 851117 / 7518801807; Belgaum: Cts No 3939/ A2 A1, Above

Raymonds Show Room |Beside Harsha Appliances, Club Road, Belgaum, Karnataka, 590001 / 0831 2402544; Bellary: Shree Gayathri Towers, #4, 1St Floor, K.H.B.Colony, Gopalaswamy Mudaliar Road,, Gandhi

Nagar-Bellary, Karnataka, 583103 / 08392 – 254750; Berhampur (Or): Opp Divya Nandan Kalyan Mandap, 3Rd Lane Dharam Nagar, Near Lohiya Motor, Berhampur (Or), Orissa, 760001 / 0680-2228106; Betul:

107,1St Floor, Hotel Utkarsh, J. H. College Road, Betul, Madhya Pradesh, 460001 / 07141 - 231301; Bhagalpur: 2Nd Floor, Chandralok Complex, Near Ghanta Ghar, In The City Of Bhagalpur, Bihar, Bhagalpur, Bihar,

812001 / 7518801808; Bharuch: 123 Nexus Business Hub, Near Gangotri Hotel, B/S Rajeshwari Petroleum, Makampur Road, Bharuch, Gujarat, 392001 / 9081903042; Bhatinda: Second Floor, Mcb -2-3-01043

Goniana Road, Opp: Nippon India Mf Gt Rode, Near Hanuman Chowk Bhatinda, Bhatinda, Punjab, 161001 / 0164- 5006725; Bhavnagar: 303, Sterling Point, Waghawadi Road, Bhavnagar, Gujarat, 364001 / 278-

3003149; Bhilai: Shop No -1, First Floor Plot No -1, Commercial Complex Nehru Nagar - East, Bhilai, Chatisgarh, 490020 / 0788-2289499 / 2295332; Bhilwara: Shop No. 27-28, 1St Floor, Heera Panna Market, Pur

Road, Bhilwara, Rajasthan, 311001 / 01482-246362 / 246364; Bhopal: Gurukripa Plaza, Plot No. 48A, Opposite City, Hospital, Zone-2, M P Nagar, Bhopal, Madhya Pradesh, Bhopal, Madhya Pradesh, 462011 / 0755-

4092712,0755-4092715; Bhubaneswar: A/181, Saheed Nagar, Janardan House, Room #: 07; 3Rd Floor, Bhubaneswar, Orissa, 751007 / 0674-2548981; Bikaner: 70-71, 2Nd Floor | Dr.Chahar Building, Panchsati

Circle, Sadul Ganj, Bikaner, Rajasthan, 334003 / 0151-2200014; Bilaspur: Shop No -225,226 & 227,2Nd Floor, Narayan Plaza, Link Road, Bilaspur, Chatisgarh, 495001 / 07752-470070; Bokaro: City Centre, Plot No.

He-07, Sector-Iv; Bokaro Steel City, Bokaro, Jharkhand, 827004 / 7542979444; Borivali: Gomati Smuti,Ground Floor, Jambli Gully, Near Railway Station, Borivali, Mumbai, Maharashtra, 400 092 / 022- 28916319;

Burdwan: Anima Bhavan, 1St Floor, Holding No.-42, Sreepally, G. T. Road, West Bengal, Burdwan, West Bengal, 713103 / 0342-2665140; Calicut: Second Floor, Manimuriyil Centre, Bank Road, Kasaba Village,

Calicut, Kerala, 673001 / 0495-4022480; Chandigarh: Sco- 2423-2424, Above Mirchi Restaurent, New Aroma Hotel, First Floor, Sector 22-C, Chandigarh, Union Territory, 160022 / 0172-5101342; Chandrapur: Shop

No-6 Office No-2, 1St Floor Rauts Raghuvanshi Complex, Beside Azad Garden Main Road, Chandrapur, Maharashthra, 442402 / 07172-270262; Chembur: Shop No 4, Ground Floor, Shram Saflya Bldg, N G Acharya

Marg, Chembur, Mumbai, Maharashtra, , 022-662215536; Chennai: F-11, Akshaya Plaza, 1St Floor, 108, Adhithanar Salai, Egmore, Opp To Chief Metropolitan Court, Chennai, Tamil Nadu, 600002 / 044-42028512;

Chinsura: 96, Doctors Lane; Po: Chinsurah; Dt: Hooghly, , Chinsurah, West Bengal, 712101 / 033-26810164; Cochin: Ali Arcade, 1St Floor,Kizhavana Road, Panampilly Nagar, Near Atlantis Junction, Ernakualm,

Kerala, 682036 / 0484 - 4025059; Coimbatore: 3Rd Floor, Jaya Enclave, 1057 Avinashi Road, , Coimbatore, Tamil Nadu, 641018 / 0422 - 4388011; Cuttack: Shop No-45,2Nd Floor, Netaji Subas Bose Arcade, (Big Bazar

Building), Adjacent To Reliance Trends, Dargha Bazar, Cuttack, Orissa, 753001 / 8658691094; Darbhanga: Jaya Complex,2Nd Floor, Above Furniture Planet,Donar, Chowk, Darbhanga, Bihar, 846003 / 7518801809;

Davangere: D.No 162/6 , 1St Floor, 3Rd Main, P J Extension, Davangere Taluk,, Davangere Mandal,Davangere, Davangere, Karnataka, 577002 / 0819-2258714; Dehradun: Kaulagarh Road, Near Sirmaur Margabove,

Reliance Webworld, Dehradun, Uttaranchal, 248001 / 7518801810; Deoria: K. K. Plaza, Above Apurwa Sweets, Deoria, Uttar pradesh, 274001 / 7518801811; Dewas: 27 Rmo House, Station Road, Above Maa

Chamunda Gaes Agency, Dewas, Madhya Pradesh, 455001 / 07272-426010; Dhanbad: 208 New Market 2Nd Floor, Bank More, Dhanbad, Jharkhand, 826001 / 9264445981; Dharwad: 307/9-A 1St Floor, Nagarkar

Colony, Elite Business Center, Nagarkar Colony,P B Road, Dharwad, Karnataka, 580001 / 0836- 2744207; Dhule: Ground Floor Ideal Laundry, Lane No 4, Khol Galli, Near Muthoot Finance, Opp Bhavasar General Store,

Dhule, Maharashthra, 424001 / 02562-282823; Dindigul: No 59B New Pensioner Street, Opp Gomathi Lodge, Palani Road, Dindigul, Dindigul, Tamil Nadu, 624001 / 0451- 2436177; Durgapur: Mwav-16 Bengal

Ambuja, 2Nd Floor City Centre, Distt. Burdwan, Durgapur-16, Durgapur, West Bengal, 713216 / 0343-6512111; Eluru: House No 22B-12-1/1, Ground Floor, Gade Vari Street, Power Peta, Eluru 2, Eluru-West Godavari,

Eluru, Andhra Pradesh, 534002 / 08812-227851 / 52 / 53 / 54; Erode: No: 4, Veerappan Traders Complex, Address No 38/1, Sathy Road, (Vctv Main Road),, Sorna Krishna Complex,Ground Floor, Erode, Tamil Nadu,

638003 / 0424-4021212; Faridabad: A-2B 2Nd Floor, Neelam Bata Road Peerki Mazar, Nehru Ground Nit, Faridabad, Haryana, 121001 / 7518801812; Ferozpur: The Mall Road, Chawla Bulding, Ist Floor, Opp. Centrail

Jail, Near Hanuman Mandir, Ferozepur, Punjab, 152002 / 01632-241814; Gandhidham: Shop # 12, Shree Ambica Arcade, Plot # 300, Ward 12. Opp. Cg High School, Near Hdfc Bank, Gandhidham, Gujarat, 370201 /

9081903027; Gandhinagar: 123, First Floor, Megh Malhar Complex, Opp. Vijay Petrol Pump, Sector - 11, Gandhinagar, Gujarat, 382011 / 079 23244955; Gaya: 54 Lal Kothi Compound, Shree Krishna Road, 2Nd Floor,

North Side, Near Royal Surya Hotel, Gaya, Bihar, 823001 / 0631-2220065; Ghaziabad: Ff - 31, Konark Building, Rajnagar, Lohia Nagar, Ghaziabad, Uttar Pradesh, 201003 / 7518801813; Ghazipur: House No. 148/19,

Mahua Bagh, In The City Of Ghazipur, Ghazipur, Uttar Pradesh, 233001 / 7518801814; Gonda: Shri Market, Sahabgunj, Station Road, Gonda, Uttar Pradesh, 271001 / 7518801815; Gorakhpur: Above V.I.P. House

Ajdacent, A.D. Girls College, Bank Road, Gorakpur, Uttar Pradesh, 273001 / 7518801816; Gulbarga: H No 2-231, Krishna Complex, 2Nd Floor Opp. Municipal Corporation Office, Jagat, Station Main Road, Kalaburagi,

Gulbarga, Karnataka, 585105 / 8088934338; Guntur: 2Nd Shatter, 1St Floor. Hno. 6-14-48, 14/2 Lane, Arundal Pet, Guntur, Andhra Pradesh, 522002 / 0863-2339094; Gurgaon: 2Nd Floor, Vipul Agora, M. G. Road, In

The City Of Gurgaon, Gurgaon, Haryana, 122001 / 7518801817; Guwahati: 1St Floor, Bajrangbali Building, Near Bora Service Station, Gs Road, Guwahati, Assam, 781007 / 8811036746; Gwalior: City Centre, Near

Axis Bank, In The City Of Gwalior, Madhya Pradesh, Gwalior, Madhya Pradesh, 474009 / 7518801818; Haldwani: Above Kapilaz, Sweet House, Opp Lic Building, Pilikothi, Kaladhungi Road, Haldwani, Uttaranchal,

263139 / 7518801819; Haridwar: Shop No. - 17, Bhatia Complex, Near Jamuna Palace, Haridwar (Uttarakhand.), Haridwar, Uttaranchal, 249410 / 7518801820; Hassan: Sas No-212, Ground Floor, Sampige Road 1St

Cross, Near Hotel Souther Star, K R Puram, Hassan, Karnataka, 573201 / 08172 262065; Hissar: Shop No. 20, Ground Floor, R D City Centre, Railway Road, In The City Of Hissar, Hissar, Haryana, 125001 /

7518801821; Hoshiarpur: 1St Floor, The Mall Tower, Opp Kapila Hospital, Sutheri Road, Hoshiarpur, Punjab, 146001 / 01882-500143; Hubli: Ctc No.483/A1/A2, Ground Floor, Shri Ram Palza, Behind Kotak Mahindra

Bank, Club Road, Hubli, Karnataka, 580029 / 0836-2252444; Hyderabad: 303, Vamsee Estates, Opp Bigbazaar, Ameerpet, Hyderabad-16, Telangana-, Hyderabad, Telangana, 500034 / 040-44857874 / 75 / 76; Indore:

101, Diamond Trade Centre, Indore, Madhya Pradesh - Indore, Nearcurewell Hospital, Janjeerwala Square Indore, Indore, Madhya Pradesh, 452001 / 0731-4266828/4218902; Jabalpur: 3Rd Floor, R.R. Tower.5,

Lajpatkunj, Near Tayabali Petrol Pump, Jabalpur, Madhya Pradesh, 482001 / 0761-4923301; Jaipur: Office Number 101, 1St Floor, Okay Plus Tower, Next To Kalyan Jewellers, Government Hostel Circle, Ajmer Road,

Jaipur, Rajasthan, 302001 / 01414167715/17; Jalandhar: 1St Floor,Shanti Towers, Sco No. 37, Puda Complex,, Opposite Tehsil Complex, Jalandhar, Punjab, 144001 / 0181-5094410; Jalgaon: 3Rd Floor, 22

Yashodhan Ring Road, Jalgaon, Jalgaon, Maharashthra, 425001 / 9421521406; Jalpaiguri: D B C Road Opp Nirala Hotel, Opp Nirala Hotel, Opp Nirala Hotel, Jalpaiguri, West Bengal, 735101 / 03561-222136; Jammu:

Gupta'S Tower, 2Nd Floor, Cb-12, Rail Head Complex, Jammu, Jammu & Kashmir, 180012 / 0191-2458820 / 2458818; Jamnagar: 136-137-138 Madhav Palaza, Opp Sbi Bank, Nr Lal Bunglow, Jamnagar, Gujarat,

361001 / 0288 3065810; Jamshedpur: 2Nd Floor, R R Square, Sb Shop Area,Near Reliance Foot Print & Hotel- Bs Park Plaza, Main Road, Bistupur, Jamshedpur, Jharkhand, 831001 / 0657-6655003/ 6655004/

6655005/ 6655006/ 6655007; Jaunpur: R. N. Complex, Opposite Pathak Honda, Above Oriental Bank Of Commerce, In The City Of Jaunpur, Jaunpur, Uttar Pradesh, 222002 / 7518801822; Jhansi: 1St Floor, Puja

Tower, Near 48 Chambers, In The City Of Jhansi, Jhansi, Uttar Pradesh, 284001 / 7518801823; Jodhpur: Shop No. 6, Ground Floor, Gang Tower, Opposite Arora Moter Service Centre, Near Bombay Moter Circle,

Jodhpur, Jodhpur, Rajasthan, 342001 / 7737014590; Junagadh: 124-125 Punit Shopping Center, M.G Road, Ranavav Chowk, Junagadh, Gujarat, 362001 / 0285-2652220; Kannur: 2 Nd Floor, Prabhath Complex, Fort

Road, Nr.Icici Bank, Kannur, Kerala, 670001 / 0497-2764190; Kanpur: 15/46, B, Ground Floor, Opp : Muir Mills, Civil Lines, Kanpur, Uttar Pradesh, 208001 / 7518801824; Karimnagar: D.No: 2-10-1298,2Nd Floor,

Rathnam Arcade, Jyothi Nagar, Karimnagar, Telangana, 505001 / 0878-2244773; Karnal: 18/369, Char Chaman, Kunjpura Road, Behind Miglani Hospital, Karnal, Haryana, 132001 / 0184-2252524; Karur: No 88/11 B B

Plaza, Nrmp Street, K S Mess Back Side, Karur, Tamil Nadu, 639002 / 04324-241755; Khammam: 11-4-3/3, Shop No. S-9, Srivenkata Sairam Arcade, Old Cpi Office, Near Priyadarshini College,Nehru Nagar,,

Khammam, Telangana, 507002 / 8008865802; Kharagpur: Sbi Building, Malancha Road, Po: Kharagpur, Ps: Kharagpur, Holding No 254/220, Ward No.16, Dist: Paschim Medinipur, Kharagpur, West Bengal, 721304 /

03222-253380; Kolhapur: 605/1/4 E Ward, Shahupuri 2Nd Lane, Laxmi Niwas, Near Sultane Chambers, Kolhapur, Maharashthra, 416001 / 0231 2653656; Kolkata: Apeejay House (Beside Park Hotel), C Block,3Rd

Floor, 15 Park Street, Kolkata, West Bengal, 700016 / 033 66285900; Kollam: Ground Floor,A Narayanan Shopping Complex, Kausthubhsree Block, Kadapakada, Kollam, Kerala, 691008 / 474-2747055; Korba: Nidhi

Biz Complex, Plot No 5, Near Patidar Bhawan, T. P. Nagar, In The City Of Korba, Korba, Chatisgarh, 495677 / 7518801826; Kota: D-8, Shri Ram Complex, Opposite Multi, Purpose School, Gumanpura, Kota, Kota,

Rajasthan, 324007 / 0744-5100964; Kottayam: 1St Floor Csiascension Square, Railway Station Road, Collectorate P O, Kottayam, Kerala, 686002 / 0481-2300868/2302420; Kurnool: Shop No:47, 2Nd Floor, S Komda

Shoping Mall, Kurnool, Andhra Pradesh, 518004 / 08518-228550; Lucknow: Ist Floor, A. A. Complex, 5 Park Road, Hazratganj, Thaper House, Lucknow, Uttar Pradesh, 226001 / 7518801830; Ludhiana: Sco - 136, 1St

Floor Above Airtel Showroom, Feroze Gandhi Market, Ludhiana, Punjab, 141001 / 0161-4648747; Madurai: Rakesh Towers, 30-C, Ist Floor, Bye Pass Road, Opp Nagappa Motors, Madurai, Tamil Nadu, 625010 / 0452-

2605856; Malappuram: First Floor, Peekays Arcade, Down Hill, Malappuram, Kerala, 676505 / 0483-2731480; Malda: Ram Krishna Pally, No.1 Govt Colony, Ground Floor, English Bazar; Malda, West Bengal, 732101 /

03512-223763; Mandi: House No. 99/11, 3Rd Floor, Opposite Gss Boy School, School Bazar, In The City Of Mandi, Mandi, Uttar Pradesh, 175001 / 7518801833; Mangalore: Mahendra Arcade Opp Court Road,

Fin Technologies Private Limited OfficesK


Investment Manager:LIC MUTUAL FUND ASSET MANAGEMENT LIMITED

Fax : +91 22 2283 5606 E-mail: [email protected] Floor, Industrial Assurance Bldg., Opp. Churchgate Station, Mumbai 400 020. Board : +91 22 6601 6000



Karangal Padi, , Mangalore, Karnataka, 575003 / 0824-2496289; Margao: 2Nd Floor, Dalal Commercial Complex, Pajifond, Margao, Goa, 403601 / 0832-2731823; Mathura: Shop No. 9, Ground Floor, Vihari Lal Plaza,

Opposite Brijwasi Centrum, Near New Bus Stand, In The City Of Mathura, Mathura, Uttar Pradesh, 281001 / 7518801834; Meerut: H No 5, Purva Eran, Opp Syndicate Bank, Hapur Road, Meerut, Meerut, Uttar Pradesh,

250002 / 7518801835; Mehsana: Ff-21 Someshwar Shopping Mall, Modhera Char Rasta, Mehsana, Gujarat, 384002 / 02762-242950; Mirzapur: House No. 404, Ward No. 8, Dankeenganj, Mirzapur, , Mirzapur, Uttar

Pradesh, 231001 / 7518801836;Moga: 1St Floor,Dutt Road, Mandir Wali Gali, Civil Lines, Barat Ghar, Moga, Punjab, 142001 / 01636 - 230792; Moradabad: Chadha Complex, G. M. D. Road, Near Tadi Khana, Chowk, In

The City Of Moradabad, Moradabad, Uttar Pradesh, 244001 / 7518801837; Morena: House No. Hig 959, Near Court, Front Of Dr. Lal Lab, Old Housing Board Colony, Morena, Madhya Pradesh, 476001 / 7518801838;

Mumbai: 24/B, Raja Bahadur Compound, Ambalal Doshi Marg, Behind Bse Bldg, Fort, Maharashthra, 400001 / 022-66235353; Muzaffarpur: First Floor Saroj Complex, Diwam Road, Near Kalyani Chowk, Muzaffarpur,

Muzaffarpur, Bihar, 842001 / 7518801839; Mysore: L-350, Silver Tower, Ashoka Road, Opp.Clock Tower, Mysore, Karnataka, 570001 / 0821-2438006; Nadiad: 311-3Rd Floor City Center, Near Paras Circle, Nadiad,

Gujarat, 387001 / 0268-2563245; Nagerkoil: Hno 45,1St Floor, East Car Street, Nagercoil, Tamil Nadu, 629001 / 04652 - 233552; Nagpur: Plot No. 2, Survey No. 1032 And 1033 Of Gagdakhare Town, Dharampeth,, ,

Nagpur, Maharashthra, 440010 / 0712-2533040; Nanded: Shop No.4, Santakripa Market, G G Road, Opp.Bank Of India, Nanded, Maharashthra, 431601 / 02462-237885; Nashik: S-9, Second Floor, Suyojit Sankul,

Sharanpur Road, Nasik, Maharashthra, 422002 / 0253-6608999; Navsari: 103, 1St Floore Landmark Mall, Near Sayaji Library, Navsari Gujarat, Navsari, Gujarat, 396445 / 9081903040; Nellore: D No:16-5-66 Ramarao

Complex No:2Shop No:305, 3Rd Floor Nagula Mitta Rode, Opp Bank Of Baroda. Nellore, Nellore, Andhra Pradesh, 524001 / 0861 2349940; New Delhi: 305 New Delhi House, 27 Barakhamba Road, New Delhi, New

Delhi, 110001 / 011- 43681700; Nizamabad: H No:5-6-430, Above Bank Of Baroda First Floor, Beside Hdfc Bank,Hyderabad Road, Nizamabad, Telangana, 503003 / 08462-224366; Noida: F - 21, Sector - 18, In The City

Of Noida, , Noida, Uttar Pradesh, 201301 / 7518801840; Palghat: No: 20 & 21, Metro Complex H.P.O.Road Palakkad, H.P.O.Road, Palakkad, Kerala, 678001 / 9895968533; Panipat: 3Rd Floor Preet Tower, Behind

Akash Institute, Gt Road-Panipat, Panipat, Haryana, 132103 / 7518801841; Panjim: Flat No.1-A, H. No. 13/70, Timotio Bldg, Heliodoro Salgado Road, Next To Navhind Bhavan (Market Area), Panjim, Goa, 403001 /

0832-2426874; Pathankot: 2Nd Floor, Sahni Arcade Complex, Adj.Indra Colony Gate Railway Road, Pathankot, Pathankot, Punjab, 145001 / 0186-5080188; Patiala: Sco 27 D, Chotti Baradari, Near Car Bazaar, Patiala,

Punjab, 147001 / 0175-5004349; Patna: 3A, 3Rd Floor Anand Tower, Exhibition Road, Opp Icici Bank, Patna, Bihar, 800001 / 0612-4323066; Pollachi: 1St Floor, Mkg Complex, Opp To Gowri Shankar Hotel, Pollachi,

Tamil Nadu, 642002 / 04259- 235111; Pondicherry: Building No:7, 1St Floor, Thiayagaraja Street, Pondicherry, Pondicherry, 605001 / 0413-45490253; Proddatur: D.No: 4/625, Bhairavi Complex, Bhairavi Complex,

Upstairs Karur Vysya Bank, Gandhi Road, Proddatur, Andhra Pradesh, 516360 / 08564 - 242898; Pune: Office No 207-210, 2Nd Floor, Kamla Arcade, Jangli Maharaj Road, Opposite Balgandharva, Shivaji Nagar, Pune,

Maharashthra, 411005 / 020 -66210449; Raipur: Office No S-13, Second Floor, Reheja Tower, Fafadih Chowk, Jail Road, Raipur, Chatisgarh, 492001 / 0771-4912611; Rajahmundry: D.No.6-1-4, Rangachary Street,

T.Nagar, Near Axis Bank Street, Rajahmundry, Andhra Pradesh, 533101 / 0883-2434468/70; Rajkot: 302, Metro Plaza, Near Moti Tanki Chowk, Rajkot, Rajkot, Gujarat, 360001 / 9081903025; Ranchi: Room No 307 3Rd

Floor, Commerce Tower, Beside Mahabir Tower, Ranchi, Jharkhand, 834001 / 0651-2331320; Ratlam: 1 Nagpal Bhawan Free Ganj Road, Do Batti, Near Nokia Care, Ratlam, Madhya Pradesh, 457001 / 07412-320398;

Renukoot: C/O Mallick Medical Store, Bangali Katra, Main Road, Renukoot, (Dist. Sonebhadra ), Renukoot, Uttar Pradesh, 231217 / 7518801842; Rewa: In Front Of Teerth Memorial Hospital, In The City Of Reewa, ,

Rewa, Madhya Pradesh, 486001 / 7518801843; Rohtak: Shop No 14, Ground Floor, Ashoka Plaza,Delhi Road, , Rohtak, Haryana, 124001 / 7518801844; Roorkee: Shree Ashadeep Complex 16, Tyagi Dairy Road, Civil

Lines,Near Income Tax Office, , Roorkee, Uttaranchal, 247667 / 7518801845; Rourkela: 2Nd Floor, Main Road, Udit Nagar, Rourkela, Sundargarh, Rourekla, Orissa, 769012 / 0661-2500005; Sagar: Ii Floor, Above Shiva

Kanch Mandir., 5 Civil Lines, Sagar, Sagar, Madhya Pradesh, 470002 / 07582-402404; Saharanpur: 18 Mission Market, Court Road, Saharanpur, Uttar Pradesh, 247001 / 7518801846; Salem: No 3/250, Brindavan

Road, 6Th Cross,Perumal Kovil Back Side, Fairland'S, Salem, Tamil Nadu, 636016 / 0427-4020300; Sambalpur: Sahej Plaza; First Floor, Shop No. 219; Golebazar, Sambalpur, Sambalpur, Orissa, 768001 / 0663-

2533437; Satna: Jainam Market, Purana Power House Chauraha, Panni Lal Chowk, In The City Of Satna, Rewa Road, Satna, Madhya Pradesh, 485001 / 7518801847; Shillong: Annex Mani Bhawan, Lower Thana

Road, Near R K M Lp School, Shillong, Meghalaya, 793001 / 0364 - 2506106; Shimla: Triveni Building, By Pas Chowkkhallini, Shimla, Himachal Pradesh, 171002 / 7518801849; Shimoga: Sri Matra Naika Complex, 1St

Floor, Above Shimoga Diagnostic Centre, Llr Road, Durgigudi, Shimoga, Karnataka, 577201 / 08182-228799; Shivpuri: Near Hotel Vanasthali, In Front Of Sawarkar Park, A. B. Road, In The City Of Shivpuri, Shivpuri,

Madhya Pradesh, 473551 / 7518801850; Sikar: First Floor, Super Tower, Behind Ram Mandir Near Taparya Bagichi, Sikar, Rajasthan, 332001 / 01572-250398; Silchar: N.N. Dutta Road, Chowchakra Complex,

Premtala, Silchar, Assam, 788001 / 3842261714; Siliguri: Nanak Complex, Sevoke Road, Siliguri, West Bengal, 734001 / 0353-2522579; Sitapur: 12/12, Surya Complex, Station Road, Sitapur, Sitapur, Uttar Pradesh,

261001 / 7518801851; Solan: Disha Complex, 1St Floor, Above Axis Bank, Rajgarh Road, In The City Of Solan, Solan, Himachal Pradesh, 173212 / 7518801852; Solapur: Block No 06, Vaman Nagar, Opp D-Mart, Jule

Solapur, Solapur, Maharashthra, 413004 / 0217-2300021 / 2300318; Sonepat: 2Nd Floor, Dp Tower, Model Town, Near Subhash Chowk, Sonepat, Haryana, 131001 / 7518801853; Sri Ganganagar: Address Shop No. 5,

Opposite Bihani Petrol Pump, Near Baba Ramdev Mandir Nh - 15, Sri Ganganagar, Rajasthan, 335001 / 0154-2470177; Srikakulam: D No 4-4-97, First Floor, Behind Sri Vijayaganapathi Temple, Pedda Relli Veedhi,

Palakonda Road, Srikakulam, Andhra Pradesh, 532001 / 8942229925; Sultanpur: 1077/3, Civil Lines Opp Bus Stand, Civil Lines, Sultanpur, Uttar Pradesh, 228001 / 7518801854; Surat: Office No: -516, 5Th Floor,

Empire State Building, Near Udhna Darwaja, Ring Road, Surat, Gujarat, 395002 / 9081903041; T Nagar: No 23, Cathedral Garden Road Nungambakkam, Chennai, Tamilnadu, 600 017 / 044 - 28151034; Thanjavur: No

1, Underground,Nallaiyah Complex,, Srinivasam Pillai Road,, , Tanjore, Tamil Nadu, 613001 / 04362-275415; Tirunelveli: 55/18, Jeney Building, S N Road, Near Aravind Eye Hospital, Tirunelveli, Tamil Nadu, 627001 /

0462-4001416; Tirupathi: H.No:10-13-425, 1St Floor , Tilak Road,, Opp: Sridevi Complex ,, Tirupathi, Andhra Pradesh, 517501 / 9885995544 / 0877-2255797; Tirupur: No 669A,Kamaraj Road, Near Old Collector

Office, , Tirupur, Tamil Nadu, 641604 / 0421-4202780; Tiruvalla: 2Nd Floor,Erinjery Complex, Ramanchira, Opp Axis Bank, Thiruvalla, Kerala, 689107 / 04862-211209; Trichur: 2Nd Floor,Brothers Complex, Naikkanal

Junction,Shornur Road, Near Dhanalakshmi Bank H O, Thrissur, Kerala, 680001 / 0487- 6999987; Trichy: No 23C/1 E V R Road, Near Vekkaliamman Kalyana Mandapam, Putthur, Trichy, Tamil Nadu, 620017 / 0431-

4020227; Trivandrum: 2Nd Floor, Akshaya Tower, Sasthamangalam, Trivandrum, Kerala, 695010 / 0471 - 2725728; Tuticorin: 4B/A-10Mani Nagar, Mangal Mall,, Palayamkottai Road, Tuticorin, Tamil Nadu, 628003 /

0461-2334603; Udaipur: Shop No. 202, 2Nd Floor Business Centre, 1C Madhuvan, Udaipur, Udaipur, Rajasthan, 313001 / 0294 2429370; Ujjain: Heritage Shop No. 227, 87 Vishvavidhyalaya Marg, Station Road, Near

Icici Bank Above Vishal Megha Mart, Ujjain, Madhya Pradesh, 456010 / 0734-4250007 / 08; Valsad: 406 Dreamland Arcade, Opp Jade Blue, Tithal Road, Tithal Road, Valsad, Gujarat, 396001 / 02632-258481; Vapi: A-8,

First Floor, Solitaire Business Centre, Opp Dcb Bank, Gidc Char Rasta, Silvassa Road, Vapi, Gujarat, 396191 / 9081903028; Varanasi: D-64/132, 2Nd Floor, Ka, Mauza, Shivpurwa, Settlement Plot No 478, Pargana :

Dehat Amanat, Mohalla Sigra, Varanasi, Uttar Pradesh, 221010 / 7518801855; Vashi: C, Wing Flat NO. 324, 1st Floor, Vashi Plaza, Sector 17 Vashi, Navi Mumbai, Maharashtra, 400 703 / 22-27802684; Vellore: No. 6,

Nexus Towers, 2Nd Floor, Officer'S Line, Above Peter England & Bata Showroom Opp. To Voorhees School, Vellore, Tamil Nadu, 632001 / 0416-41603806; Vijayanagaram: D No : 20-20-29, 1St Floor, Surya Nagar,

Kalavapuvvu Meda, Near Ayodhya Stadium, Dharmapuri Road, Vizianagaram, Vizianagaram, Andhra Pradesh, 535002 / 08922-236965; Vijayawada: Address-1Stfloor, Hno26-23-,

Sundarammastreet,Gandhinagar,Vijayawada,Krishna Ap, Labbipet, Vijayawada, Andhra Pradesh, 520010 / 0866-6604032/39/40; Vile Parle: Shop No.1 Ground Floor, Dipti Jyothi Co-operative Housing Society, Near

MTNL office P M Road, Vile Parle East, Mumbai, Maharashtra / 022 26100967; Visakhapatnam: Ground Floor, 48-10-40, Sri Nagar Colony, Visakhapatnam, Andhra Pradesh, 530016 / 0891-2714125; Warangal: Shop

No22, Ground Floor Warangal, City Center,15-1-237, Mulugu Road Junction, Warangal, Telangana, 506001 / 0870-2441513; Yamuna Nagar: B-V, 185/A, 2Nd Floor, Jagadri Road, Near Dav Girls College, (Uco Bank

Building) Pyara Chowk, Yamuna Nagar, Haryana, 135001 / 7518801857;

Invest in

Less taxing!

Making your journey great

Tax benefit u/s 80c*



1800-258-5678

Call Toll FreeTo know more, please consult your Financial Advisor

OR

This product is suitable for investors who are seeking*:

• Long-term capital growth.

• Investment in equity and equity-related securities.

• Risk - Very High *Investors should consult their financial advisors if in

doubt about whether the product is suitable for them.

* Subject to ₹ 1.5 lakh under Section 80 C of the Income Tax Act, 1961(As per prevailing tax laws in India).

Investors understand that their principalwill be at Very High risk

Low

Low toModerate


High

Very High

RISKOMETER HIGHLOW

one resolution sip - licmf

Documents