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HybridConservative Hybrid FundDirect · Growth

LIC MF Conservative Hybrid Fund-Direct Plan-Growth

LIC · Scheme 120276

₹95.27▼ 0.11%NAV · 2026-09-18
50
Average FundScore
Start SIP
AUM
₹47 cr
Expense ratio
1.69%
3Y CAGR
7.3%
Risk level
Low to Moderate
Min SIP
₹200
Benchmark
CRISIL Hybrid 85+15 - Conservative Index
Fund manager: Marzban Irani, Ramnath VenkateswaranExit load: Exit Load for units in excess of 12% of the investment,1% will be charged for redemption within 90 days.
Average · 50/100

Middle-of-the-pack — compare it against better-scored peers.

🎯 A middle-ground option — some growth with a cushion, good for moderate risk appetite.

📈 Why it could do well

  • ✓Protects capital well — worst-ever fall was only 8%.
  • ✓Low volatility (4% a year) — a steady, low-drama ride.
  • ✓Positive 3Y windows: 100% of rolling 3Y windows positive
  • ✓Return stability: rolling-return std 1.1%

📉 What could drag it down

  • •Weak risk-adjusted returns (Sharpe 0.33) — took on risk without enough payoff.
  • •Pricey — 1.69% expense ratio quietly eats into long-term returns.
  • •3Y CAGR: +7.3%
  • •3Y CAGR vs category: -1.4% vs category avg

FundScore breakdown

50/100 · Average
How it works →
24
Returns
Weak
66
Consistency
Decent
31
Risk-adjusted
Weak
100
Downside protection
Excellent
42
Cost efficiency
Weak
50
Portfolio quality
Average

Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.

SIP return calculator

Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.