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LIC MF UNIT LINKED INSURANCE SCHEME - 15 YEARS UNIFORM COVER YEARLY

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Fund info
NAV (as on 2025-07-18)
37.26 -0.46%
AUM (Fund Size)
N/A
Expense Ratio
2.37%
Exit load
Nil (Lock-in Period:- Repurchase after lock-in period of 3 years from the date of Investment.)
Risk
N/A
AMC
LIC MUTUAL FUND
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹999.99
0.00 %
Two Week 2025-07-03 ₹1,000.00 ₹987.84
-1.22 %
One Month 2025-06-18 ₹1,000.00 ₹1,004.96
0.50 %
Three Months 2025-04-21 ₹3,000.00 ₹3,067.58
2.25 %
Six Months 2025-01-20 ₹6,000.00 ₹6,324.33
5.41 %
One Year 2024-07-18 ₹12,000.00 ₹12,560.41
4.67 %
Three Year 2022-07-19 ₹36,000.00 ₹43,528.05
20.91 %
Five Year 2020-07-20 ₹60,000.00 ₹82,107.83
36.85 %
Ten Year 2015-07-21 ₹120,000.00 ₹220,531.63
83.78 %
Since Inception 2007-05-03 ₹222,000.00 ₹591,855.24
166.60 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 114%
Debt 44%
Others 0%

Sectors Holding in LIC MF UNIT LINKED INSURANCE SCHEME - 15 YEARS UNIFORM COVER YEARLY

Other
44%
Banks
34%
Retailing
10%
IT - Software
12%
Pharmaceuticals & Biotechnology
6%
Aerospace & Defense
4%
Industrial Products
8%
Finance
8%
Consumer Durables
4%
Chemicals & Petrochemicals
10%
Telecom - Services
2%
Food Products
2%
Construction
2%
Petroleum Products
2%
Agricultural Food & Other Products
2%
Automobiles
2%
Cigarettes & Tobacco Products
2%
Transport Services
2%
Diversified FMCG
2%
Healthcare Services
0%
Electrical Equipment
0%

Companies Holding in LIC MF UNIT LINKED INSURANCE SCHEME - 15 YEARS UNIFORM COVER YEARLY

7.41% Government Of India
2.26%
7.43% Jamnagar Utilities & Power Pvt. Ltd.
2.15%
7.02% Export Import Bank Of India
1.07%
7.98% State Government Of Kerala
1.07%
7.1% National Bk For Agriculture & Rural Dev.
1.06%
7.37% Indian Railway Finance Corporation Ltd.
1.05%
7.19% State Government Of Tamil Nadu
0.74%
8.13% Nuclear Power Corporation
0.21%
Treps
3.32%
Net Receivables / (Payables)
-0.17%
ICICI Bank Ltd.
8.34%
HDFC Bank Ltd.
5.04%
Trent Ltd.
4.10%
Infosys Ltd.
3.71%
Divi's Laboratories Ltd.
2.58%
Bharat Electronics Ltd.
2.51%
KSB Ltd.
2.50%
Bajaj Finance Ltd.
2.46%
Tata Consultancy Services Ltd.
2.39%
Titan Company Ltd.
2.20%
Axis Bank Ltd.
2.16%
SRF Ltd.
2.12%
Vinati Organics Ltd.
2.10%
Bharti Airtel Ltd.
1.97%
Avenue Supermarts Ltd.
1.94%
Manorama Industries Ltd.
1.93%
Garware Hi-Tech Films Ltd.
1.72%
Techno Electric & Engineering Co. Ltd.
1.52%
Reliance Industries Ltd.
1.45%
Bajaj Finserv Ltd.
1.43%
Kotak Mahindra Bank Ltd.
1.34%
Alkem Laboratories Ltd.
1.33%
Tata Consumer Products Ltd.
1.31%
Maruti Suzuki India Ltd.
1.27%
Pidilite Industries Ltd.
1.26%
Godfrey Phillips India Ltd.
1.21%
Carborundum Universal Ltd.
1.16%
Transport Corporation Of India Ltd.
1.12%
Coforge Ltd.
1.04%
Hindustan Unilever Ltd.
1.04%
State Bank Of India
1.04%
SBI Cards & Payment Services Ltd.
1.00%
Navin Fluorine International Ltd.
0.95%
Bikaji Foods International Ltd.
0.87%
Creditaccess Grameen Ltd.
0.76%
The Federal Bank Ltd.
0.72%
SKF India Ltd.
0.70%
Arvind Fashions Ltd.
0.70%
Artemis Medicare Services Ltd.
0.51%
Shakti Pumps (India) Ltd.
0.41%
Bajaj Electricals Ltd.
0.37%
Torrent Pharmaceuticals Ltd.
0.35%
Schneider Electric Infrastructure Ltd.
0.27%
Bharat Bijlee Ltd.
0.24%
7.18% Government Of India
5.53%
7.63% State Government Of Maharashtra
3.34%
7.79% Power Finance Corporation Ltd.
3.19%
ICICI Bank Ltd.
8.34%
HDFC Bank Ltd.
5.04%
Trent Ltd.
4.10%
Infosys Ltd.
3.71%
Divi's Laboratories Ltd.
2.58%
Bharat Electronics Ltd.
2.51%
KSB Ltd.
2.50%
Bajaj Finance Ltd.
2.46%
Tata Consultancy Services Ltd.
2.39%
Titan Company Ltd.
2.20%
Axis Bank Ltd.
2.16%
SRF Ltd.
2.12%
Vinati Organics Ltd.
2.10%
Bharti Airtel Ltd.
1.97%
Avenue Supermarts Ltd.
1.94%
Manorama Industries Ltd.
1.93%
Garware Hi-Tech Films Ltd.
1.72%
Techno Electric & Engineering Co. Ltd.
1.52%
Reliance Industries Ltd.
1.45%
Bajaj Finserv Ltd.
1.43%
Kotak Mahindra Bank Ltd.
1.34%
Alkem Laboratories Ltd.
1.33%
Tata Consumer Products Ltd.
1.31%
Maruti Suzuki India Ltd.
1.27%
Pidilite Industries Ltd.
1.26%
Godfrey Phillips India Ltd.
1.21%
Carborundum Universal Ltd.
1.16%
Transport Corporation Of India Ltd.
1.12%
Coforge Ltd.
1.04%
Hindustan Unilever Ltd.
1.04%
State Bank Of India
1.04%
SBI Cards & Payment Services Ltd.
1.00%
Navin Fluorine International Ltd.
0.95%
Bikaji Foods International Ltd.
0.87%
Creditaccess Grameen Ltd.
0.76%
The Federal Bank Ltd.
0.72%
SKF India Ltd.
0.70%
Arvind Fashions Ltd.
0.70%
Artemis Medicare Services Ltd.
0.51%
Shakti Pumps (India) Ltd.
0.41%
Bajaj Electricals Ltd.
0.37%
Torrent Pharmaceuticals Ltd.
0.35%
Schneider Electric Infrastructure Ltd.
0.27%
Bharat Bijlee Ltd.
0.24%
7.18% Government Of India
5.53%
7.63% State Government Of Maharashtra
3.34%
7.79% Power Finance Corporation Ltd.
3.19%
7.41% Government Of India
2.26%
7.43% Jamnagar Utilities & Power Pvt. Ltd.
2.15%
7.02% Export Import Bank Of India
1.07%
7.98% State Government Of Kerala
1.07%
7.1% National Bk For Agriculture & Rural Dev.
1.06%
7.37% Indian Railway Finance Corporation Ltd.
1.05%
7.19% State Government Of Tamil Nadu
0.74%
8.13% Nuclear Power Corporation
0.21%
Treps
3.32%
Net Receivables / (Payables)
-0.17%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

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

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.37
Expense Ratio Direct
1.28
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A

Exit load

Nil (Lock-in Period:- Repurchase after lock-in period of 3 years from the date of Investment.)

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