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Home Mf Research Lic Mf Banking And Financial Services Fund Regular Plan Growth
LIC MUTUAL FUND

LIC MF Banking and Financial Services Fund - Regular Plan - Growth

Equity Equity Sectoral Thematic
Fund House : LIC MUTUAL FUND
Overview
Returns
Portfolio
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • SI
NAV (as on 2023-07-28)
15.25 -0.33%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
2.42%
Expense Ratio (Direct)
1.05%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2023-07-21 ₹1,000.00 ₹983.24
-1.68 %
Two Week 2023-07-13 ₹1,000.00 ₹1,006.60
0.66 %
1 Month 2023-06-28 ₹1,000.00 ₹1,018.70
1.87 %
Three Months 2023-05-02 ₹3,000.00 ₹3,113.36
3.78 %
Six Months 2023-01-30 ₹6,000.00 ₹6,520.54
8.68 %
One Year 2022-07-28 ₹12,000.00 ₹13,319.28
10.99 %
Three Year 2020-07-28 ₹36,000.00 ₹44,815.27
24.49 %
Five Year 2018-07-30 ₹60,000.00 ₹82,291.74
37.15 %
Since Inception 2018-06-04 ₹63,000.00 ₹86,430.88
37.19 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
HDFC Bank Ltd. Banks equity 19.95
ICICI Bank Ltd. Banks equity 12.80
Axis Bank Ltd. Banks equity 6.71
Kotak Mahindra Bank Ltd. Banks equity 6.39
State Bank of India Banks equity 5.78
MAS Financial Services Ltd. Finance equity 4.81
Power Finance Corporation Ltd. Finance equity 3.71
Creditaccess Grameen Ltd. Finance equity 2.83
DCB Bank Ltd. Banks equity 2.65
The South Indian Bank Ltd. Banks equity 2.57
CSB Bank Ltd. Banks equity 2.55
IIFL Finance Ltd. Finance equity 2.52
Mahindra & Mahindra Financial Serv Ltd. Finance equity 2.47
Muthoot Finance Ltd. Finance equity 2.47
Piramal Enterprises Ltd. Finance equity 2.16
SBI Cards & Payment Services Ltd. Finance equity 2.04
TVS Holdings Ltd. Finance equity 1.94
Shriram Finance Ltd. Finance equity 1.90
Cholamandalam Investment & Fin Co Ltd. Finance equity 1.76
Computer Age Management Services Ltd. Capital Markets equity 1.63
Aadhar Housing Finance Ltd. Finance equity 1.56
Nippon Life India Asset Management Ltd. Capital Markets equity 1.53
Aditya Birla Sun Life AMC Ltd. Capital Markets equity 1.12
HDFC Life Insurance Company Ltd. Insurance equity 0.95
CRISIL Ltd. Finance equity 0.87
Aditya Birla Capital Ltd. Finance equity 0.62
Spandana Sphoorty Financial Ltd. Finance equity 0.54
Multi Commodity Exchange Of India Ltd. Capital Markets equity 0.50
Prudent Corporate Advisory Services Ltd. Capital Markets equity 0.31
Equitas Small Finance Bank Ltd. Banks equity 0.30
ICICI Lombard General Insurance Co. Ltd. Insurance equity 0.27
MAHINDRA & MAH FIN SER RTS OFF 194 INR Finance equity 0.08
Treps - debt 2.00
Net Receivables / (Payables) - - -0.29
SIP Calculator
Risk Ratios
Standard Deviation
15.94
Beta
0.90
Sharpe Ratio
0.55
Lock In Period
-
Residual Maturity
-
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.
Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
  • Fund manager(s) : Mr. Jaiprakash Toshniwal (16+ years),
  • Expense ration regular : 2.42
  • Expense ration direct : 1.05
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹300.00
  • Type : equity
Exit load
12% of the units allotted shall be redeemed or switched out without any exit load, on or before completion of 90 days from the date of allotment of units.

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