LIC MF Conservative Hybrid Fund

Q: What are the returns of this mutual fund scheme?

The LIC MF Conservative Hybrid Fund is a 27 yrs 6 m old fund and has delivered average annual returns of 7.97% since inception. LIC MF Conservative Hybrid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 4.88% 6.7% 6.29% 6.37% 7.97%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹82.558+0.21% 1 day change	7.97% p.a.	App exclusive #NA View Ranked Funds	₹49 Cr

Historical NAV & returns

NAV: ₹82.558 as on Oct 20, 2025

This fund Category average

LIC MF Conservative Hybrid Fund overview

AUM (Fund size)	₹49 Cr
Exit load	1.0% Exit Load for units in excess of 12% of the investment,1% will be charged for redemption within 90 days.!
Lock-in Period	Nil
Age	27 yrs 6 m since Apr 01, 1998
Benchmark	CRISIL Hybrid 85+15 Conservative Index
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Expense ratio	2.31% as on Sep 30, 2025
Plan type	Regular
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

LIC MF Conservative Hybrid Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	1.33%	1.08%
3 Months	1.04%	1.29%
6 Months	2.87%	3.31%
1 Year	4.88%	6.41%
2 Years	7.93%	10.14%
3 Years	6.7%	9.25%
4 Years	5.09%	7.67%
5 Years	6.29%	9.12%
7 Years	7.05%	8.42%
10 Years	6.37%	7.66%

Asset allocationas on Sep 30, 2025

Large Cap 16.43%

Mid Cap 1.54%

Small Cap 0%

Other Cap 0%

Top holdings

HDFC Bank Ltd.3.63%

Reliance Industries Ltd.2.82%

Infosys Ltd.2.62%

Shriram Finance Ltd1.86%

Top sectors

Financial 8.29%

Energy 2.82%

Technology 2.62%

Automobile 2.6%

SOV 71.03730944%

AAA 8.46463165%

Cash & Call Money 2.1596574%

Others 0.36555902%

Top Debt Holdings

GOI 35.78%

Tamilnadu State 14.04%

Karnataka State 10.65%

Nuclear Power Corpn. Of India Ltd. 8.46%

Allocation by Instruments

GOI Securities 35.78210229%

State Development Loan 24.680340049999998%

Central Government Loan 10.5748671%

Debenture 8.46463165%

Other Holdings

Others 0.37%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
LIC MF Conservative Hybrid Fund	1.33%	2.87%	4.88%	6.7%	6.29%	6.37%
ICICI Prudential Regular Savings Fund	0.83%	4.91%	8.44%	10.41%	9.94%	9.38%
SBI Conservative Hybrid Fund	1.06%	4.05%	6.59%	10.05%	11.0%	9.01%
HDFC Hybrid Debt Fund	1.37%	2.1%	5.41%	10.46%	11.19%	8.8%
Nippon India Conservative Hybrid Fund	1.19%	5.08%	9.09%	9.24%	8.94%	5.62%
Franklin India Conservative Hybrid Fund	1.24%	3.53%	6.98%	9.74%	8.95%	7.52%

Fund name	Std. deviation	Beta	Sharpe	Sortino
LIC MF Conservative Hybrid Fund	3.36	0.85	0.02	0.03
ICICI Prudential Regular Savings Fund	2.94	0.75	1.2	1.74
SBI Conservative Hybrid Fund	3.34	0.82	1.0	1.67
HDFC Hybrid Debt Fund	3.95	0.98	0.95	1.6
Nippon India Conservative Hybrid Fund	1.9	0.45	1.27	2.13
Franklin India Conservative Hybrid Fund	3.49	0.9	0.84	1.28

Fund name	ETM Rank	AUM	Fund age	Expense ratio
LIC MF Conservative Hybrid Fund	N.A.	49 Cr	27 yrs 6 m	2.31%
ICICI Prudential Regular Savings Fund	N.A.	3,264 Cr	21 yrs 8 m	1.72%
SBI Conservative Hybrid Fund	N.A.	9,859 Cr	24 yrs 8 m	1.54%
HDFC Hybrid Debt Fund	N.A.	3,348 Cr	21 yrs 11 m	1.75%
Nippon India Conservative Hybrid Fund	N.A.	902 Cr	21 yrs 10 m	1.88%
Franklin India Conservative Hybrid Fund	N.A.	203 Cr	25 yrs 1 m	1.42%

View all Conservative Hybrid funds

Key risk & return ratios Compared to other funds in the category

Alpha	-2.56 vs. 2.91 Underperformed at beating benchmark
Sharpe	0.02 vs. 2.94 Poor risk-adjusted returns
Beta	0.85 vs. 1.03 Less sensitive to market ups & downs
Standard deviation	3.36 vs. 3.47 More stable returns

Compare LIC MF Conservative Hybrid Fund in detail with

About this fund

About LIC MF Conservative Hybrid Fund

LIC MF Conservative Hybrid Fund is a Conservative Hybrid mutual fund scheme from Lic Mutual Fund. This fund has been in existence for 27 yrs 6 m, having been launched on 01/04/1998. LIC MF Conservative Hybrid Fund has ₹49 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of LIC MF Conservative Hybrid Fund as of 20/10/2025 is ₹82.56. The fund has an expense ratio of 2.31%, which is higher than what most other Conservative Hybrid funds charge. Currently, the fund has a 17.97% allocation to equity and 79.87% to Debt.

LIC MF Conservative Hybrid Fund returns of last 1-year are 4.15%. Since launch, it has delivered 8.01% average annual returns. The fund has doubled the money invested in it every 12 yrs.
LIC MF Conservative Hybrid Fund scheme's ability to deliver returns consistently is lower than most funds of its category. Its ability to control losses in a falling market is low.
The fund's equity portion is primarily invested in Financial, Energy, Technology, Automobile, Consumer Staples sectors. It has taken less exposure in Financial, Energy sectors compared to other funds in the category.
The debt portion of the fund has high credit quality indicating the quality of borrowers it has lent it to is great.
The fund's top 5 holdings are in GOI, Tamilnadu State, Karnataka State, Nuclear Power Corpn. Of India Ltd., HDFC Bank Ltd..

...

Fund AUM	49 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Karan Doshi

Mr. Doshi is a Bachelor of Engineering, MMS (Finance) Prior to joining LIC Mutual Fund, he has worked with Subhkam Ventures Pvt. Limited as Equity Analyst.

Pratik Harish Shroff

Mr. Shroff has done B.Com, M.Com, CFA, FRM and Executive Programme in Applied Finance – IIM, Calcutta Prior to joining LIC Mutual Fund, he was associated with CTBC Bank Ltd, IndusInd Bank Ltd, Industrial and Commercial Bank of China, Tata Mutual Fund and LKP Securities

Investment objective

The scheme has the primary objective to give steady income by investing at least 65 per cent of its portfolio in fixed income securities. Exposure to equity and money market instrument can range go up to 35 per cent each.

LIC Mutual Fund details

No. of schemes	30 view all schemes
Total AUM	41,742 Cr as on Sep 30, 2025
Address	Industrial Assurance Building Ground Floor, Opp. Churchgate Station Mumbai, 400020
Email	br.mumbai@licmf.com
Phone	022-66016177 / 022-66016178

More funds from LIC Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
LIC MF Aggressive Hybrid Fund	N.A.	522 Cr	6.59%	13.67%
LIC MF Balanced Advantage Fund	N.A.	804 Cr	6.27%	N.A.
LIC MF Arbitrage Fund	N.A.	225 Cr	6.12%	5.28%
LIC MF Multi Asset Allocation Fund	N.A.	731 Cr	N.A.	N.A.

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of LIC MF Conservative Hybrid Fund?

The current Net Asset Value (NAV) of the LIC MF Conservative Hybrid Fund plan is approximately ₹82.558 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The LIC MF Conservative Hybrid Fund is a 27 yrs 6 m old fund and has delivered average annual returns of 7.97% since inception.

LIC MF Conservative Hybrid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
4.88%	6.7%	6.29%	6.37%	7.97%

How much does this mutual fund charge as expense ratio?

The LIC MF Conservative Hybrid Fund has an expense ratio of 2.31%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The LIC MF Conservative Hybrid Fund currently has assets under management (AUM) or fund size valued at approximately 49 Cr as on Sep 30, 2025.

What are the top stock holdings of LIC MF Conservative Hybrid Fund?

The LIC MF Conservative Hybrid Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	3.63%
Reliance Industries Ltd.	2.82%
Infosys Ltd.	2.62%
Shriram Finance Ltd	1.86%
Hindustan Unilever Ltd.	1.64%
Bharat Forge Ltd.	1.54%
Axis Bank Ltd.	1.5%
ICICI Bank Ltd.	1.3%
Mahindra & Mahindra Ltd.	1.06%

What are the top sectors LIC MF Conservative Hybrid Fund has invested in?

The LIC MF Conservative Hybrid Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	8.29%
Energy	2.82%
Technology	2.62%
Automobile	2.6%
Consumer Staples	1.64%

To whom does LIC MF Conservative Hybrid Fund lend to?

The top 3 debt holdings of LIC MF Conservative Hybrid Fund are as follows

Holding Name	Percentage of Portfolio
GOI	35.78%
Tamilnadu State	14.04%
Karnataka State	10.65%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The LIC MF Conservative Hybrid Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	71.03730944%
AAA	8.46463165%
Cash & Call Money	2.1596574%

What is risk level of LIC MF Conservative Hybrid Fund?

This is a Conservative Hybrid fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in LIC MF Conservative Hybrid Fund?

Redeeming your investments in the LIC MF Conservative Hybrid Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Conservative Hybrid

#NA

Return Outperformance: This fund has generated highest return amongst Conservative Hybrid funds in the last 1 Month.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit Load for units in excess of 12% of the investment,1% will be charged for redemption within 90 days.