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lic mf unit linked insurance 10 yrs regular premium reducing cover mn-regular-inc dis cum capwdrl
LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl

LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl

  • Very High Risk
  • Allocation
  • Balanced Allocation
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NAV as on Feb 6, 2026
i
Price per unit of the scheme.
₹ 36.02470.12%1 Day Change
-1.16%
Minimum Investment₹1000
Expense Ratio2.49%

FUND RATING

A holistic measure of the rank of a fund relative to its peers. Top funds receive a score of 5.
*Morningstar Rating Methodologyi
i

RISK-O-METER

Level of risk associated with a mutual fund to help investors make informed investment decisions
 

bt_logoFUND PERFORMANCE

As On Jan 01, 2023
Compare fund’s performance against category average across different time periods


No Data Found.
Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
For calculating Category Return & Scheme Ranking, only Growth & Direct schemes are considered.

bt_logoFUND COMPARISON

1M3M6M1Y3Y5Y
This Fund
LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl
VS
Allocation: Balanced Allocation Average NAV
    Topper in Allocation: Balanced Allocation
    All Fund


    No Data Found.
    *For the other fund, rescaled NAVs are used
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    bt_logoRETURN CALCULATOR

    Check the return on your investment in the fund
    LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl
    Investment Type
    Monthly Investment
    Time Period (yrs)
    Annual Return in %
    • Invested Amount
      ₹0
    • Return
      ₹0
    • Current Value
      ₹0

    bt_logoFUND SUMMARY

    Benchmark
    CRISIL Hybrid 35+65 - Agg TR INR
    Expense Ratio
    2.49%
    Category Avg Expense Ratio
    1.67%
    Minimum Investment (Lumpsum/SIP)
    ₹ 1000 /₹ 1000
    Lock In (Years)
    No Lock-in
    Fund Size
    ₹ 456.52 Cr(As on Dec, 2025)
    Inception Date
    Jun 16, 2015
    Turnover
    20.00 %
    Exit Load
    NIL

    bt_logoABOUT THE FUND

    Objective: 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.

    LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl is an Allocation - Balanced Allocation fund. The fund was launched inJun 16, 2015. Its risk level is . The NAV of the fund as onFeb 06, 2026 is ₹36.02. Its expense ratio is 2.49 %. The fund has an AUM of ₹456.52 Cr.The fund is managed bySanjay Pawar,Dikshit Mittal,Pratik Shroff,Karan Doshi.
    The minimum initial investment is  ₹1000 in Lumpsum mode.

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    bt_logoFUND MANAGER

    Sanjay Pawar
    Sanjay Pawar
    i
    Lead Fund Manager.
    Jan 1, 2022 - Present
    • Fund Manager Rank9Out of 14
      i
      Rank measured on the basis of consistent alpha the fund manager delivered in the same category over a period of three years (factors only Direct plan, Growth option)
    • Schemes managed10
    • Total AUM₹ 59,116.97 Cr
    • Highest Return In 1 Yr8.18 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Quarterly - Direct
    --
    ₹ 40.28
    -1.08%
    -1.17%
    Very High Risk
    ₹456.52Cr
    LIC MF Short Term Debt Fund Direct Growth
    ₹ 16.10
    0.31%
    0.36%
    Low to Moderate Risk
    ₹264.03Cr
    Aditya Birla Sun Life Liquid Direct Plan Growth
    --
    ₹ 441.14
    0.50%
    0.41%
    Moderate Risk
    ₹55,408.31Cr
    LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Quarterly - Direct
    Very High Risk--
    • NAV₹ 40.28
    • Fund Size₹456.52Cr
    Fund Return-1.08%
    Category Return-1.17%
    LIC MF Short Term Debt Fund Direct Growth
    Low to Moderate Risk
    • NAV₹ 16.10
    • Fund Size₹264.03Cr
    Fund Return0.31%
    Category Return0.36%
    Aditya Birla Sun Life Liquid Direct Plan Growth
    Moderate Risk--
    • NAV₹ 441.14
    • Fund Size₹55,408.31Cr
    Fund Return0.50%
    Category Return0.41%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Dikshit Mittal
    Dikshit Mittal
    i
    Lead Fund Manager.
    Sep 6, 2021 - Present
    • Schemes managed7
    • Total AUM₹ 8,151.21 Cr
    • Highest Return In 1 Yr8.50 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Quarterly - Direct
    --
    ₹ 40.28
    -1.08%
    -1.17%
    Very High Risk
    ₹456.52Cr
    LIC MF Large & Mid Cap Direct Growth
    ₹ 44.61
    -1.77%
    -2.90%
    Very High Risk
    ₹3,115.55Cr
    LIC MF Multi Cap Fund Direct Growth
    --
    ₹ 18.01
    -1.57%
    -2.71%
    Very High Risk
    ₹1,828.32Cr
    LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Quarterly - Direct
    Very High Risk--
    • NAV₹ 40.28
    • Fund Size₹456.52Cr
    Fund Return-1.08%
    Category Return-1.17%
    LIC MF Large & Mid Cap Direct Growth
    Very High Risk
    • NAV₹ 44.61
    • Fund Size₹3,115.55Cr
    Fund Return-1.77%
    Category Return-2.90%
    LIC MF Multi Cap Fund Direct Growth
    Very High Risk--
    • NAV₹ 18.01
    • Fund Size₹1,828.32Cr
    Fund Return-1.57%
    Category Return-2.71%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Pratik Shroff
    Pratik Shroff
    i
    Lead Fund Manager.
    Sep 26, 2023 - Present
    • Schemes managed13
    • Total AUM₹ 9,909.86 Cr
    • Highest Return In 1 Yr8.18 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    LIC MF Childrens Gift Fund Direct Plan
    ₹ 35.45
    -3.22%
    -%
    Very High Risk
    ₹15.49Cr
    IDBI Equity Savings Growth Option Direct
    ₹ 31.52
    -1.24%
    -0.45%
    Moderately High risk
    ₹36.23Cr
    LIC MF Debt Hybrid Fund Direct Plan Growth Option
    ₹ 93.10
    -0.06%
    -0.27%
    Moderately High risk
    ₹49.19Cr
    LIC MF Childrens Gift Fund Direct Plan
    Very High Risk
    • NAV₹ 35.45
    • Fund Size₹15.49Cr
    Fund Return-3.22%
    Category Return--
    IDBI Equity Savings Growth Option Direct
    Moderately High risk
    • NAV₹ 31.52
    • Fund Size₹36.23Cr
    Fund Return-1.24%
    Category Return-0.45%
    LIC MF Debt Hybrid Fund Direct Plan Growth Option
    Moderately High risk
    • NAV₹ 93.10
    • Fund Size₹49.19Cr
    Fund Return-0.06%
    Category Return-0.27%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Karan Doshi
    Karan Doshi
    i
    Lead Fund Manager.
    Jul 1, 2024 - Present
    • Schemes managed10
    • Total AUM₹ 5,298.11 Cr
    • Highest Return In 1 Yr8.50 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    LIC MF Equity Hybrid Fund Direct Plan Growth Option
    ₹ 224.19
    -2.99%
    -1.88%
    Very High Risk
    ₹534.47Cr
    LIC MF Childrens Gift Fund Direct Plan
    ₹ 35.45
    -3.22%
    -%
    Very High Risk
    ₹15.49Cr
    LIC MF Debt Hybrid Fund Direct Plan Growth Option
    ₹ 93.10
    -0.06%
    -0.27%
    Moderately High risk
    ₹49.19Cr
    LIC MF Equity Hybrid Fund Direct Plan Growth Option
    Very High Risk
    • NAV₹ 224.19
    • Fund Size₹534.47Cr
    Fund Return-2.99%
    Category Return-1.88%
    LIC MF Childrens Gift Fund Direct Plan
    Very High Risk
    • NAV₹ 35.45
    • Fund Size₹15.49Cr
    Fund Return-3.22%
    Category Return--
    LIC MF Debt Hybrid Fund Direct Plan Growth Option
    Moderately High risk
    • NAV₹ 93.10
    • Fund Size₹49.19Cr
    Fund Return-0.06%
    Category Return-0.27%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoDETAILED PORTFOLIO

    As on Jan, 2026
    EQUITY (77.20%)
    DEBT (19.75%)
    CASH (3.05%)
    Allocation by Market Cap
    Large Cap(52.60%)
    Mid Cap(7.81%)
    Small Cap(16.78%)
    Industry Holdings
    • Banks Regional26.22%
    • Information Technology Services9.69%
    • Drug Manufacturers Specialty Generic5.96%
    • Credit Services5.83%
    • Specialty Chemicals5.71%
    • Packaged Foods5.41%
    Stock Holdings
    • ICICI Bank Ltd8.40%
    • HDFC Bank Ltd5.18%
    • Infosys Ltd4.08%
    • Bharat Electronics Ltd3.15%
    • Trent Ltd2.96%
    • Bajaj Finance Ltd2.68%

    bt_logoPERFORMANCE MEASURES

    Fund evaluation across critical parameters for better decision making. Study period is 3 years.
    • Consistency
      i
      It represents the consistency of a fund in beating its benchmark.
      ----
    • Downside Risk
      i
      Measured by Maximum Drawdown which shows the maximum loss from a peak to a nadir over a specified time period
      ----
    • Risk Adjusted Return
      i
      Risk adjusted return represents the return generated after factoring the risk taken to achieve it.
      ----
    • Volatility
      i
      Volatility represents the standard deviation of fund returns that is, how much the fund returns have deviated from the average.
      ----
    • Upside Capture Ratio
      i
      Fund performance relative to the index when the market is up. An upside capture ratio of >100 indicates better fund performance.
      ----
    • Downside Capture Ratio
      i
      Fund performance relative to the index when the market is down. A downside capture ratio of <100 indicates better fund performance.
      ----

    bt_logoHISTORICAL RISK MEASURES

    Statistical measures to evaluate mutual fund risk. All ratios are calculated for a three-year time duration.
    • Alpha: Excess return of the fund over benchmark
      i
      Any Alpha above zero is considered good. However, for comparison, a fund with a higher Alpha is considered better. Alpha is normally used in conjunction with Beta. If the Beta is high, it implies that the fund manager took a high risk to generate Alpha.
      -2.45
      This Fund
      VS
      -1.58
      Category Avg
    • R-Squared: How well the fund tracks benchmark
      i
      R-Squared measures the correlation of fund returns and its benchmark returns. It varies between 0 and 1. The metric, Beta makes no sense if R-Squared is equal to zero. Thus, both Beta and R-Squared should be used in conjunction. A fund with a high R-Squared and low Beta is considered a less risky fund.
      82.38
      This Fund
      VS
      82.70
      Category Avg
    • Beta: Risk of the fund in relation to benchmark
      i
      Beta >1 indicates that the fund is more volatile than its benchmark while Beta < 1 indicates that the fund is less volatile than its benchmark. The Beta of the benchmark is equal to 1.
      1.28
      This Fund
      VS
      1.02
      Category Avg
    • Sharpe Ratio: Risk adjusted return of the fund
      i
      Sharpe Ratio is a measure of return per unit of risk. A higher Sharpe ratio indicates better risk adjusted return given by the fund.
      0.44
      This Fund
      VS
      0.48
      Category Avg
    • Sortino Ratio: Return per unit of bad risk
      i
      A variation of Sharpe ratio, Sortino considers only the downside risk. Unlike Sharpe ratio which considers both good risk and bad risk, Sortino factors only the bad risk. A high Sortino ratio indicates better return for each unit of downside risk.
      0.66
      This Fund
      VS
      0.75
      Category Avg
    • Standard Devation: Volatility of the fund
      i
      Standard deviation is a measure of dispersion of fund returns from its average return. A fund with a higher Standard deviation is more volatile than a fund with a low standard deviation.
      9.44
      This Fund
      VS
      7.47
      Category Avg
    Benchmark used in calculation : S&P BSE 500 India TR INR

    bt_logoPEER ANALYSIS

    1M
    3M
    6M
    1Y
    3Y
    5Y
    • card
    • table
    Fund NameMorningstar RatingNAV Fund Return Category ReturnRisk Fund Size
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoTOP FUNDS FROM THIS AMC

    1M
    3M
    6M
    1Y
    3Y
    5Y
    • card
    • table
    Fund NameMorningstar RatingNAV Fund Return Category Return Risk Fund Size (Cr)
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoABOUT THE AMC

    company icon
    LIC Mutual Fund Asset Management Limited
    LIC Mutual Fund Asset Management Limited manages assets worth ₹ 42,783.93 crores. It’s current offering of mutual fund schemes includes 11 equity, 7 debt and 6 hybrid schemes.
    phone icon
    Phone
    +91 022-66016000
    mail icon
    Email
    cs.co@licmf.com
    aum
    AUM
    ₹ 42,783.93 Cr (
    As on Dec 31, 2025
    )
    location
    Address
    4th Floor, Industrial Assurance Building, Mumbai,400 020

    bt_logoFAQ's

    What is the category of LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl ?
    The category of LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl is Allocation - Balanced Allocation
    What is the current NAV of LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl ?
    The current NAV of LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl as on Feb 06, 2026 is ₹36.02
    How safe is LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl ?
    The risk level of LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl is Very High.
    What are short term returns given by LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl ?
    The return given by LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl in 1 month is -1.16%, 3 months is -1.66%, 6 months is -0.69%, and 1 year is 2.49%
    What are the long term returns given by LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl ?
    The return given by LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl in 3 years is 10.72% and 5 years is 10.01%.
    What is the expense ratio of LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl ?
    The expense ratio of LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl is 2.49%
    What is the AUM of LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl ?
    The assets under Management (AUM) of LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl is Rs 456.52 crores.
    What is the minimum investment in LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl ?
    The minimum Lumpsum investment in LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl is ₹1,000.00 and the minimum SIP investment in LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl is ₹1,000.00
    What is the asset allocation of LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl?
    LIC MF Unit Linked Insurance 10 Yrs Regular Premium Reducing Cover Mn-Regular-Inc Dis cum CapWdrl has an exposure of 77.20% in Equity, 19.75% in Debt and 3.05% in Cash & Money Market Securities

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