LIC MF Conservative Hybrid Fund
- NAV as on 25 Sep 2026
- ₹83.97+0.04%1 day
- Return since launch
- 7.8%
- 52-week range
- ₹81.14 — ₹85.25
- AUM
- ₹46.86 Cr
LIC MF Conservative Hybrid Fund is a Conservative Hybrid hybrid fund from LIC Mutual Fund with ₹46.86 Cr under management, launched in 1998. Over three years it has returned 4.0% a year, against 7.0% for its category. The expense ratio is 2.25% and the SEBI riskometer reading is Moderate.
Performance
LIC MF Conservative Hybrid Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +3.1% against +1.7% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 1.8% | −0.8 pts | 2.6% | 0.8% |
| 2Y | 2.7% | −0.5 pts | 3.1% | 2.7% |
| 3Y | 4.0% | −3.0 pts | 7.0% | 4.5% |
| 5Y | 4.9% | −1.7 pts | 6.6% | 6.2% |
| 7Y | 5.3% | −1.8 pts | 7.1% | 6.8% |
| 10Y | 5.6% | −1.3 pts | 6.8% | 7.0% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -1.2% | −0.2 pts | -0.9% | -1.1% |
| 3M | 0.0% | +0.1 pts | -0.1% | -0.2% |
| 6M | 3.0% | −0.2 pts | 3.2% | 3.3% |
| 1Y | 3.1% | +0.5 pts | 2.6% | 1.7% |
| 2Y | 2.3% | −0.7 pts | 3.0% | 2.9% |
| 3Y | 5.6% | −1.4 pts | 7.0% | 7.0% |
| 5Y | 4.5% | −2.1 pts | 6.6% | 6.2% |
| 7Y | 5.9% | −1.8 pts | 7.7% | 7.4% |
| 10Y | 5.7% | −1.2 pts | 6.8% | 6.9% |
Since launch (1 Apr 1998): 7.8%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 5.3% | −1.7 pts | 7.0% |
| 2024 | 8.1% | −2.9 pts | 11.0% |
| 2023 | 7.3% | −4.8 pts | 12.1% |
| 2022 | 0.9% | −4.2 pts | 5.1% |
| 2021 | 7.4% | −3.8 pts | 11.2% |
| 2020 | 9.9% | −0.6 pts | 10.5% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.25%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.82%
- Brokerage
- 0.05%
- Transaction charges
- 0.00%
- Statutory levies
- 0.38%
- Exit load
- Exit Load for units in excess of 12% of the investment,1% will be charged for redemption within 90 days.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Hybrid 85+15 Conservative Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | 0.86 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.08 | 0.72 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.10 | 1.03 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 3.95 | 4.32 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
LIC MF Conservative Hybrid Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity19.4%
- Debt61.4%
- Other19.3%
Market cap split
- Large52.1%
- Mid42.9%
- Small5.0%
- P/E
- 45.17
- P/B
- 6.72
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 19.66% | ₹9.21 Cr | +1.21% | +1.14% | +1.09% |
| Tamilnadu State | Others | 11.11% | ₹5.21 Cr | +11.00% | +10.85% | +10.77% |
| Nuclear Power Corpn. Of India Ltd. | Energy | 8.93% | ₹4.19 Cr | +8.93% | +8.75% | +8.73% |
| GOI | Sovereign | 4.38% | ₹2.05 Cr | +4.57% | +4.28% | +10.43% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 1.44% | ₹0.67 Cr | — | — | — |
| Divi's Laboratories Ltd. | Healthcare | 1.31% | ₹0.62 Cr | — | — | — |
| Bajaj Auto Ltd. | Automobile | 1.29% | ₹0.61 Cr | — | — | — |
| ICICI Bank Ltd. | Financial | 1.15% | ₹0.54 Cr | +1.15% | +1.20% | +1.39% |
| company:17084 | Services | 1.12% | ₹0.52 Cr | — | — | — |
| Torrent Pharmaceuticals Ltd. | Healthcare | 0.97% | ₹0.46 Cr | — | — | — |
| Mahindra & Mahindra Ltd. | Automobile | 0.95% | ₹0.44 Cr | +0.90% | +0.95% | +1.02% |
| Marico Ltd. | Consumer Staples | 0.94% | ₹0.44 Cr | — | — | — |
| Shriram Finance Ltd | Financial | 0.81% | ₹0.38 Cr | +1.26% | +1.36% | +1.82% |
| Bharat Electronics Ltd. | Capital Goods | 0.80% | ₹0.37 Cr | — | — | — |
| Coforge Ltd. | Technology | 0.76% | ₹0.36 Cr | — | — | — |
| AU Small Finance Bank Ltd. | Financial | 0.74% | ₹0.35 Cr | — | — | — |
| company:14468 | Automobile | 0.74% | ₹0.34 Cr | — | — | — |
| company:16550 | Automobile | 0.73% | ₹0.34 Cr | — | — | — |
| Hitachi Energy India Ltd. | Capital Goods | 0.72% | ₹0.34 Cr | — | — | — |
| Persistent Systems Ltd. | Technology | 0.72% | ₹0.34 Cr | — | — | — |
| Aster DM Quality Care Ltd. | Healthcare | 0.69% | ₹0.33 Cr | — | — | — |
| Bharat Forge Ltd. | Automobile | 0.67% | ₹0.32 Cr | +2.37% | +2.19% | +1.46% |
| Cummins India Ltd. | Capital Goods | 0.65% | ₹0.31 Cr | — | — | — |
| Ajanta Pharma Ltd. | Healthcare | 0.63% | ₹0.30 Cr | — | — | — |
| Delhivery Ltd. | Services | 0.55% | ₹0.26 Cr | — | — | — |
| Siemens Energy India Ltd. | Energy | 0.55% | ₹0.26 Cr | — | — | — |
| CarTrade Tech Ltd. | Services | 0.41% | ₹0.19 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| HDFC Bank Ltd. | 8.51% | 0.00% | -8.51% |
| Indian Railway Finance Corporation Ltd. | 5.73% | 0.00% | -5.73% |
| Reliance Industries Ltd. | 1.13% | 0.00% | -1.13% |
| company:17084 | 0.00% | 1.12% | +1.12% |
| Axis Bank Ltd. | 0.89% | 0.00% | -0.89% |
| Hindustan Unilever Ltd. | 0.85% | 0.00% | -0.85% |
| company:14468 | 0.00% | 0.74% | +0.74% |
| company:16550 | 0.00% | 0.73% | +0.73% |
| Divi's Laboratories Ltd. | 1.11% | 1.31% | +0.20% |
| Bajaj Auto Ltd. | 1.10% | 1.29% | +0.19% |
| Coforge Ltd. | 0.66% | 0.76% | +0.10% |
| Torrent Pharmaceuticals Ltd. | 0.87% | 0.97% | +0.10% |
| Aster DM Quality Care Ltd. | 0.75% | 0.69% | -0.06% |
| Marico Ltd. | 1.00% | 0.94% | -0.06% |
| Bharat Electronics Ltd. | 0.74% | 0.80% | +0.05% |
| Nuclear Power Corpn. Of India Ltd. | 8.88% | 8.93% | +0.05% |
| Cummins India Ltd. | 0.70% | 0.65% | -0.05% |
| Shriram Finance Ltd | 0.76% | 0.81% | +0.05% |
| CarTrade Tech Ltd. | 0.38% | 0.41% | +0.04% |
| Hitachi Energy India Ltd. | 0.68% | 0.72% | +0.04% |
| GOI | 4.35% | 4.38% | +0.03% |
| Mahindra & Mahindra Ltd. | 0.98% | 0.95% | -0.03% |
| Delhivery Ltd. | 0.58% | 0.55% | -0.03% |
| AU Small Finance Bank Ltd. | 0.71% | 0.74% | +0.03% |
| Bharat Forge Ltd. | 0.70% | 0.67% | -0.03% |
| Ajanta Pharma Ltd. | 0.61% | 0.63% | +0.03% |
| ICICI Bank Ltd. | 1.13% | 1.15% | +0.02% |
| Persistent Systems Ltd. | 0.71% | 0.72% | +0.01% |
| Others | 0.40% | 0.40% | 0.00% |
| Siemens Energy India Ltd. | 0.55% | 0.55% | 0.00% |
| Tamilnadu State | 11.11% | 11.11% | 0.00% |
| Sun Pharmaceutical Industries Ltd. | 1.44% | 1.44% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹1,433 Cr | 1.34% | 2.6% | 5.7% | 7.6% |
 Parag Parikh Conservative Hybrid Fund | ₹3,481 Cr | 0.67% | 3.5% | 6.4% | 8.5% |
 ICICI Prudential Conservative Hybrid Fund | ₹3,329 Cr | 1.73% | 1.7% | 5.6% | 7.3% |
 DSP Conservative Hybrid Fund | ₹178 Cr | 1.25% | 2.2% | 5.4% | 7.0% |
 HSBC Conservative Hybrid Fund | ₹156 Cr | 2.18% | 2.2% | 5.1% | 6.9% |
 Aditya Birla Sun Life Conservative Hybrid Active FoF | ₹18.08 Cr | 0.89% | 3.6% | 6.1% | 8.3% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
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.
Fund managers
- Pratik Harish ShroffMr. Shroff has done B.Com, M.Com, CFA, FRM and Executive Programme in Applied Finance â IIM, CalcuttaPrior 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
- Siddharth PanjwaniCFA Institute, USA, MBA - Carnegie Mellon University, B.E., Computer SciencePrior to joining the LIC AMC, he was associated with People Hum Technologies Pvt Ltd, Engati Technologies Pvt Ltd, PiMonk Tech Pvt Ltd, Quinbay Technologies Pvt Ltd, Pickright Technologies Pvt Ltd, Quintessential Investment Advisors LLP and Lazard Asset Management.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months2.96% absolute | ₹60,000 | ₹61,776 | 2.96% | |
| 1 year3.12% annualised | ₹1,20,000 | ₹1,22,047 | 1.71% | |
| 3 years5.56% annualised | ₹3,60,000 | ₹3,92,594 | 9.05% | |
| 5 years4.51% annualised | ₹6,00,000 | ₹6,74,150 | 12.36% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.