MonitorDirect · GrowthWatch before adding
LIC MF Conservative Hybrid Fund
LIC Mutual FundHybrid Scheme - Conservative Hybrid Fund13.8 years
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.
- NAV
- 93.3173
- 3 Nov 2026
- 1Y
- +1.3%
- Trailing CAGR
- AUM
- ₹45.84 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.5% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 3 Nov 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Parag Parikh Conservative Hybrid Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Watch
1.66% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -7.9%. Ask whether you can hold through a similar fall.
Vs category
Fail
28% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Siddharth Panjwani · 0.3 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 84.6% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 8%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+1.3%
- 3Y+6.3%
- 5Y+5.2%
- 10Y+6.5%
- SI+7.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.5%
- 3Y+3.9%
- 5Y+5.3%
- 10Y+6.3%
- Since inception
- +7.3%
- Calendar-day CAGR
- Excess 1Y
- -0.8%
- Category median, same plan and option
- 3Y win rate
- +28%
- Windows beating the median
- 3Y percentile
- 17
- Vs comparable share classes
- SIP 3Y XIRR
- +3.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.2%
- 2617 daily-ending windows
- Median rolling 3Y
- +7.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2134 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -7.9%
- Worst peak-to-trough
- Current
- -2.3%
- Below last peak
- Current spell
- 85 days
- Days below latest peak
- Time below peak
- +78%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 295 recovered episodes
- Longest recovery
- 92 days
- Trough to prior peak
14 Feb 2020 – 23 Jun 2020
Trough 23 Mar 2020 · recovered in 92 days
-7.9%
17 Jan 2022 – 11 Aug 2022
Trough 16 Jun 2022 · recovered in 56 days
-4.7%
10 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-3.4%
18 Feb 2026 – 22 Jun 2026
Trough 30 Mar 2026 · recovered in 84 days
-3.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
17
Vs category
45
Consistency
26
Risk-adjusted
46
Drawdown
80
Mean
43
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 31 holdings · top 10 are 84.6%.
- Top 5
- 65.4%
- Top 10
- 84.6%
- Largest holding
- 20.3%
- Effective holdings
- 9.6
Repo
Unspecified
20.3%
GOVERNMENT OF INDIA 33618 GOI 13NV30 7.32 FV RS 100
Entities
11.4%
GOI Sec 7.17 17/04/2030
Entities
11.4%
STATE DEVELOPMENT LOAN 33529 TN 18OT33 7.65 FV RS 100
Unspecified
11.3%
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100
Entities
11.0%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Parag Parikh Conservative Hybrid Fund
PPFAS Mutual Fund
- 1Y
- +2.3%
- 3Y
- +8.8%
- Vol
- 3.0%
- Max DD
- -2.7%
- Sharpe
- 1.03
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Franklin India Conservative Hybrid Fund
Franklin Templeton Mutual Fund
- 1Y
- +0.8%
- 3Y
- +7.7%
- Vol
- 4.2%
- Max DD
- -11.9%
- Sharpe
- 0.64
- 3Y win
- +53%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Nippon India Conservative Hybrid Fund (Existing number of Segregated Portfolios - 1)
Nippon India Mutual Fund
- 1Y
- +5.4%
- 3Y
- +8.6%
- Vol
- 4.4%
- Max DD
- -18.9%
- Sharpe
- 0.40
- 3Y win
- +53%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
SBI CONSERVATIVE HYBRID FUND
SBI Mutual Fund
- 1Y
- +2.6%
- 3Y
- +8.1%
- Vol
- 4.3%
- Max DD
- -11.9%
- Sharpe
- 0.84
- 3Y win
- +81%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Sundaram Conservative Hybrid Fund (Formerly Known as Sundaram Debt Oriented Hybrid Fund)
Sundaram Mutual Fund
- 1Y
- -0.6%
- 3Y
- +5.5%
- Vol
- 5.0%
- Max DD
- -12.6%
- Sharpe
- 0.36
- 3Y win
- +47%
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns