LIC MF Factsheet December 2018 - LIC Mutual Fund · India's GDP growth eased to a 3-quarter low...

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DECEMBER 2018

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Investors understand that their principal will be at Moderately High Risk

RISKOMETER

This product is suitable for investors who are seeking*:

• Long-Term Capital appreciation.

• A fund that primarily invests in Large and Mid-cap stocks.

• Risk - Moderately High

*Investors should consult their financial advisors if in doubt about whether the product is suitable for them.

MARKET REVIEW

EQUITY

Market Review

Ÿ Equity markets witnessed a rally in month of November taking cues from strong global sentiments driven by optimism around a trade deal between US & China and dovish remarks from Federal Reserve Chairman suggesting a slower pace of rate hike. Low CPI, modest IIP and decline in crude prices aided sentiments in domestic equities. Thus, SENSEX was up 5% in month of November.

Ÿ On the economy front, real GDP growth moderated to 7.1% in 2QFY19 compared to 8.2% in 1QFY19. GDP growth for 1HFY19 now stands at 7.6% compared to 6% in the same period last year. September IIP growth stood at 4.5%, as against 4.7% in August. CPI inflation was muted at 3.3% in October from 3.7% in September while WPI inflation increased to 5.3% in October from 5.1% in September.

Ÿ Sector-wise indices – For month of November-18, Consumer Durables and Realty sector indices outperformed and returned 7.2% and 6.7% respectively. Metal and Healthcare indices underperformed the market during the month returning -5.5% and -2.7% respectively.

Capital flows:

FIIs were net buyers in the equity to the tune of Rs. 5,981 crores (USD 833

million) in November 2018. Cumulative, FIIs sold equity worth Rs. 41,653 crores

(USD 5,727 million) in last twelve months i.e. from Dec-17 to Nov-18 and DII

bought equity worth Rs. 1,12,439 crores (USD 16.53 billion) for the same

period. (As on 30th November 2018, Source: SEBI) (November 2018 Avg. 1

USD = INR 71.77).

Outlook

Ÿ India's 2QFY19 gross domestic product (GDP) growth moderated with a

broad-based slowdown across consumption, net exports and manufacturing on

the supply side. The slowdown in 2QFY19 GDP growth comes despite robust

high frequency data and reasonable corporate earnings. The growth has largely

been supported by government-enabled construction activity, electricity and

public spending.

Ÿ Oil prices corrected sharply during Nov '18. The suspension of trade war

between the US and China and reopening negotiations to settle trade disputes

is a positive for sentiment and will temporarily alleviate concerns about a sharp

slowdown in the Chinese economy. Optimism around the trade deal, sharp

decline in crude prices and appreciation of USD-INR. This coupled with

appreciation of USD-INR led to sharp rebound in November (+5%). Expect

global oil prices to remain soft keeping inflation under check.

Ÿ Valuations are fair for the broad market but based on strong recovery in net

profits. Also, valuations show wide divergence between 'growth' and 'quality'

stocks. Despite all these factors, India's 1YR forward PE premium to MSCI EM

is still at 62%.

Ÿ As a fund house, we continue to believe that FY19 would be a year of better

earnings but volatile returns. Consumer centric players with strong distribution

networks, differentiated products, no regulatory overhang on manufacturing

units, strong urban base and clear competitive advantage are better placed to

tide over any market volatility.

Mr. Yogesh Patil Mr. Marzban Irani

Fund Manager - Equity Fund Manager - Fixed Income

₹

2

Government bond prices ended higher in the week with yield of the 10-year benchmark bond ending at 7.61% on November 30 compared with 7.88% on October 26. The yield fell by ~24 basis points in the month due to correction in crude oil prices and rupee appreciation. Brent crude plunged ~20-22%, settling at $58.44, for weakest month in over 10 years.

India's GDP growth eased to a 3-quarter low 7.1% in Q2 FY2019 from 8.2% in Q1 FY2019 relative to 6.3% recorded in Q2FY2018. India's Trade Deficit Widens to $17.13bn even as exports bounce back. Imports rose 17.6% while exports rose 17.86% in Oct'18. Consumer Inflation eases to 3.31% in October, slowest pace in 13 months.

Rupee gained 5.5% in November ending the session at 69.58 per US dollar on drop in crude prices, speculative positioning etc. A fall in crude oil prices also boosted the sentiment for the rupee.

However, rise in the rupee was limited as global risk appetite was weighed down by ongoing US-China trade war.

Systemic liquidity conditions have remained largely in deficit, with surpluses witnessed only on three out of the 45 days till December 1, 2018. The daily average liquidity deficit rose from Rs. 623bn during October 2018 to Rs. 811bn in November 2018, despite sizeable OMO purchases conducted by the RBI during October and November 2018. Although the FII flows were positive during November 2018, incremental bank credit outpaced deposits, contributing toward tighter systemic liquidity.

The US Federal Reserve in its recently concluded Federal Open Market Committee (FOMC) meeting unanimously decided to maintain its current level of reference rate at 2-2.25%. However, signalled that it would continue with its interest rate hikes going forward amid a strong economic backdrop. Uncertainty about the Brexit deal persist in Britain. Other European markets, too, ended higher on tracking dovish comments from the Fed chairman and optimism about Italy's budget situation. China's Shanghai Composite rose moderately as investors mostly remained on the sidelines ahead of the meeting between the US and Chinese presidents this weekend.

OutlookŸ We expect that there would not be any rate hike by the RBI in December'18

credit review and shall maintain its calibrated tightening stance despite easing inflationary concerns. We expect the 10-year G-sec yield to trade in a band of 7.3-7.7% in the remainder of this quarter.

Ÿ An upward revision in the Government of India's borrowing calendar for Q4 FY2019 and any reversal in crude prices present risks that could significantly push up G-sec yields from the current levels.

Ÿ Short term rates have come down as expectation of rate hikes has reduced over the course of last 1 month due to falling crude oil prices and continuous liquidity infusion by RBI through Open market operations.

Ÿ We expect that yield curve may flatten from now till March end due to year end supply pressures. Post the recent refinance crisis faced by NBFC, they are correcting their ALM by issuing lesser amount of commercial papers and higher amount of NCD.

Ÿ We expect NBFC yield curve to remain steep in the near term. We expect the call money rates/short-term rates may exceed the repo rate, i.e. 6.50%.

DEBT

RBI conducted OMO purchases worth Rs.500bn in November. It will pump in another set of liquidity in December by infusing Rs400bn. NSDL data showed positive FII flows of ~USD $890mn in November. Corporate bond spread continues to remain high.

RISKOMETER

Name Of The SchemeThe Product Is Suitable For Investors Who Are Seeking *

Riskometer

LIC MF Large Cap Fund

LIC MF Multicap Fund

LIC MF Large & Mid Cap Fund

LIC MF Infrastructure Fund

LIC MF Tax Plan

LIC MF Index Fund-Sensex Plan

LIC MF Index Fund-Nifty Plan

LIC MF Exchange Traded Fund - Nifty 50

LIC MF Exchange Traded Fund - Sensex


3

Ÿ Long Term Capital GrowthŸ A Fund that primarily invest in large-cap stockŸ Risk - Moderately High

Ÿ Long Term Capital Appreciation and Current Income.

Ÿ Investing in Large, Mid & Small-cap stocksŸ Risk - Moderately High

Ÿ Long Term Capital AppreciationŸ A Fund that primarily invest in large and mid-cap

stocksŸ Risk - Moderately High

Ÿ Capital appreciation over long termŸ Investment predominantly in a portfolio of equity

and equity related securities of companies engaged in banking and financial services.

Ÿ Risk - High

Ÿ Long Term Capital GrowthŸ Investment in equity and equity related instruments

of companies directly or indirectly engaged in infrastructure sector.

Ÿ Risk - High

Ÿ Long Term Capital GrowthŸ Investing in equity and equity related securities.Ÿ Risk - Moderately High

Ÿ Long Term Capital Growth

Ÿ Investment in equity instrument of S&P BSE Sensex

Index stocks subject to tracking error.

Ÿ Risk - Moderately High

Ÿ Long Term Capital Growth

Ÿ Investment in equity instrument of NIFTY 50 Index

stocks subject to tracking errors.


Ÿ Long Term InvestmentŸ Investment in securities covered by NIFTY 50

Index, subject to tracking errors.Ÿ Risk - Moderately High

Ÿ Long Term InvestmentŸ Investment in securities covered by S&P BSE

SENSEX, subject to tracking errors.Ÿ Risk - Moderately High

Ÿ Long Term InvestmentŸ Investment in equity and equity related securities

and portfolios replicating the composition of NIFTY 100 Index, subject to tracking errors.


LIC MF Banking & Financial Services Fund

Investors understand that their principal will be at moderately high risk.

RISKOMETER

Investors understand that their principal will be at high risk.

RISKOMETER


LIC MF Liquid Fund Ÿ Regular income for short termŸ Investment in debt / money market instruments

with maturity of upto 91 days. Ÿ Risk - Low

Investors understand that their principal will be at low risk.

RISKOMETER

Name Of The SchemeThe Product Is Suitable For Investors Who Are Seeking *

Riskometer

LIC MF Government SecuritiesFund

LIC MF Debt Hybrid Fund

LIC MF Bond Fund

LIC MF Children’s Gift Fund

LIC MF Banking & PSU Debt Fund

LIC MF Savings Fund

RISKOMETER

LIC MF Equity Hybrid Fund

SchemeLIC MF Unit Linked Insurance

4

Ÿ Long term capital appreciation with current income.Ÿ A fund that invests both in stocks and fixed income

instruments. Ÿ Risk - Moderately High

Ÿ Long term capital appreciation and current income.Ÿ Investment in equity and equity related securiries,

fixed income securities (debt and money market securities).


Ÿ Long term capital appreciation and current incomeŸ Investment in sovereign securities issued by

Central State Government.Ÿ Risk - Moderate

Ÿ Medium term capital appreciation with current income

Ÿ A fund that invests predominantly in debt instruments with marginal equity exposure.

Ÿ Risk - Moderate

Ÿ Income over medium to long termŸ To generate income/capital appreciation through

investments in Debt and Money market instruments.

Ÿ Risk - Moderate

Ÿ Long term capital appreciation and current income

Ÿ A fund that invests both in stocks and fixed income instruments.


Ÿ Regular income for medium term capital appreciation with current income

Ÿ An income fund that invests predominantly in debt and money market instruments issued by Banks, PSU’s, PFIs and Municipal Bonds.

Ÿ Risk - Moderate

Ÿ Regular Income for short termŸ A fund that focuses on low duration securities.Ÿ Risk - Moderate


Investors understand that their principal will be at moderately high risk.

RISKOMETER

Investors understand that their principal will be at moderate risk.

RISKOMETER

LIC MF G-Sec Long Term Exchange Traded Fund Ÿ Medium to long term regular income

Ÿ Investment in securities in line with Nifty 8-13 yr G-Sec Index to generate comparable returns subject to tracking errors.

Ÿ Risk - Moderate

To achieve long term capital appreciation by investing in diversified portfolio predominantly consisting of

equity and equity related securities of Large Cap companies including derivatives. However there can be no

assurance that the investment objective of the scheme will be achieved.

thAbove returns are as on 30 November, 2018. Past performance may or may not be sustained in the future. # Nifty 100 Index, ## Nifty 50 index. Assuming ₹ 10,000/- invested

systematically on the first Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using XIRR method (investment

internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment simulation is for illustrative

purpose only and should not be construed as a promise on minimum returns and safeguard of capital. The Mutual Fund is not guaranteeing or promising or forecasting any

returns. NA : Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index. * Scheme data & TRI value of the Index are not available for

since inception, hence performance for such period is not available.

SCHEME PERFORMANCE

SIP PERFORMANCE

PORTFOLIO AS ON 30.11.2018

INVESTMENT OBJECTIVESCHEME FEATURES

SECTOR ALLOCATION (% of NAV)

Company % of NAV Company % of NAV

SIP Investments 1 Year 3 Years 5 Years 10 Years Since Inception*

Total Amount Invested ( )₹ 1,20,000 3,60,000 6,00,000 12,00,000 NA

Market Value as on November 30, 2018 ( ) ₹ 1,20,658 4,05,595 7,41,747 20,82,959 NA

Returns (CAGR) (%) 1.02 7.91 8.42 10.63 NA

Benchmark Returns (CAGR) (%) #

Additional Benchmark Returns (CAGR) (%) ##

2.36

4.52

11.95

12.41

11.46

11.14

12.71

12.03

NA

NA

5

Scheme Nifty 100 Index* Nifty 100 Index* Nifty 50** Nifty 50** Scheme

1 Year 2.39 5.56 7.82 10,239 10,556 10,782

3 Years 8.68 12.76 12.54 12,841 14,342 14,260

5 Years 12.70 14.27 13.37 18,193 19,495 18,742

Since Inception 3.88 NA 10.14 25,179 NA 1,04,193

CAGR (%)Value of lumpsum investment of 10,000/- invested ₹

on inception datePeriod

thAbove returns are as on 30 November, 2018. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth

option. Mr. Sachin Relekar is managing the above scheme from 5th March, 2015 and total no. of schemes managed by him is 11. Past performance may or may not be sustained

in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the scheme

was launched before the launch of the benchmark index, benchmark index figures since inception or the required period are not available.* Benchmark, ** Additional

Benchmark. The performance of the scheme is benchmarked to the Total Return variant of the index. For detailed disclaimer, please refer page no 27(3).

Factsheet December, 2018

Scheme Type: An open ended equity scheme predominantly investing in Large Cap stocks.

Date of allotment: September 01, 1994

Fund Size:

AUM as on 30/11/2018: ₹ 248.33 Cr

Average AUM for November 2018: ₹ 237.63 Cr

Benchmark: Nifty 100 Index

Minimum Investment: ₹ 5,000/-

Fund Manager:Name: Mr. Sachin Relekar;Experience: 13+ years

NAV as on November 30, 2018:NAV Regular Plan Direct Plan

Growth ₹ 25.1788 ₹ 26.5326

Dividend ₹ 16.6056 ₹ 18.9956

Expense Ratio:Regular: 2.60% Direct: 1.51%(for detailed bifurcation on TER, please see page no 30)

Annual Portfolio Turnover Ratio: 0.55 times

Risk Measures:Standard Deviation 4.02Portfolio Beta 0.94Sharpe Ratio 0.0176

Load Structure:Entry Load - NIL

Exit Load

Ÿ 12% of the units allotted shall be redeemed or switched out without any exit load, on or before completion of 12 months from the date of allotment of units.

Ÿ 1% on remaining units if redeemed or switched out on or before completion of 12 months from the date of allotment of units.

Ÿ Nil, if redeemed or switched out after completion of 12 months from the date of allotment of units.

21.41%

16.26%

11.71%

11.34%

6.05%

4.69%

3.97%

2.33%

2.00%

1.94%

1.12%

0.95%

0.78%

0.77%

0.73%

Banks

Finance

Auto

Consumer Non Durables

Software

Petroleum Products

Retailing

Construction Project

Cement

Non - Ferrous Metals

Transportation

Media & Entertainment

Pharmaceuticals

Ferrous Metals

Auto Ancillaries

Equity Holdings

Auto 11.71%

Maruti Suzuki India Ltd. 5.98%

Mahindra & Mahindra Ltd. 4.18%

Ashok Leyland Ltd. 1.54%

Auto Ancillaries 0.73%

Motherson Sumi Systems Ltd. 0.73%

Banks 21.41%

HDFC Bank Ltd. 8.47%

Kotak Mahindra Bank Ltd. 6.58%

ICICI Bank Ltd. 6.35%

Cement 2.00%

Shree Cements Ltd. 2.00%

Construction Project 2.33%

Larsen & Toubro Ltd. 2.33%

Consumer Non Durables 11.34%

Britannia Industries Ltd. 5.05%

Hindustan Unilever Ltd. 4.15%

Godrej Consumer Products Ltd. 2.13%

Ferrous Metals 0.77%

Tata Steel Ltd. 0.76%

Tata Steel Ltd.-Partly Paid 0.01%

Finance 16.26%

HDFC Ltd. 5.31%

Bajaj Finserv Ltd. 4.61%

Bajaj Finance Ltd. 4.42%

L&T Finance Holdings Ltd. 1.93%

Media & Entertainment 0.95%

Zee Entertainment Enterprises Ltd. 0.95%

Non - Ferrous Metals 1.94%

Hindalco Industries Ltd. 1.94%

Petroleum Products 4.69%

Reliance Industries Ltd. 4.69%

Pharmaceuticals 0.78%

Piramal Enterprises Ltd. 0.78%

Retailing 3.97%

Avenue Supermarts Ltd. 3.97%

Software 6.05%

Tata Consultancy Services Ltd. 4.76%

Infosys Ltd. 1.29%

Transportation 1.12%

InterGlobe Aviation Ltd. 1.12%

Equity Holdings Total 86.05%

Mutual Fund/ETF

Mutual Fund 0.04%

LIC MF Index Fund-Sensex Plan-DR PLN-GR 0.04%

Mutual Fund Holding Total/ETF 0.04%

Cash & Other Receivables Total 13.91%

Grand Total 100.00%

An open ended pure growth scheme seeking to provide capital growth by investing mainly in mix of equity

instruments. The investment portfolio of the scheme will be constantly monitored and reviewed to optimize

capital growth. However, there is no assurance that the investment objective of the Schemes will be realized.

thAbove returns are as on 30 November, 2018. Past performance may or may not be sustained in the future. # Nifty 500 Index, ## Nifty 50 Index. Assuming ₹ 10,000/- invested

systematically on the first Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using XIRR method (investment



returns. NA: Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index. * Scheme data & TRI value of the Index are not available for




Market Value as on November 30, 2018 ( ) ₹ 1,18,211 3,87,447 6,84,805 18,29,605 NA

Returns (CAGR) (%) -2.76 4.83 5.23 8.18 NA



-2.54

4.52

10.46

12.41

11.18

11.14

12.58

12.03

NA

NA

SCHEME FEATURES INVESTMENT OBJECTIVE


SCHEME PERFORMANCE

SIP PERFORMANCE



Scheme Scheme

1 Year -6.31 0.74 7.82 9,369 10,074 10,782

3 Years 4.96 12.24 12.54 11,565 14,144 14,260

5 Years 9.74 15.12 13.37 15,923 20,233 18,742


PeriodCAGR (%)

Value of lumpsum investment of 10,000/- invested ₹on inception date


option. Mr. Yogesh Patil is managing the above scheme from 4th October 2018 and total no. of schemes managed by him is 7. Past performance may or may not be sustained in

the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the scheme was

launched before the launch of the benchmark index, benchmark index figures since inception or the required period are not available.* Benchmark, ** Additional Benchmark.

The performance of the scheme is benchmarked to the Total Return variant of the index. For detailed disclaimer, please refer page no 27(2).

Nifty 500 Index* Nifty 500 Index* Nifty 50** Nifty 50**

Scheme Type: An open ended equity scheme investing across Large Cap, Mid Cap, Small Cap stocks

Date of Allotment: April 15, 1993

Fund Size:

AUM as on 30/11/2018: ₹ 267.12 Cr

: 259.74 CrAverage AUM for November 2018 ₹



Fund Manager:Name: Mr. Yogesh PatilExperience: years11+


Growth ₹ 4 . ₹ .4 5476 46 4001

4 5797 7 8880Dividend ₹ 1 . ₹ 1 .



Risk Measures:Standard Deviation 4.89Portfolio Beta 1.05Sharpe Ratio -0.0219

6

Load Structure:

Entry Load - NIL

Exit Load





25.78%

13.10%

12.29%

5.70%

5.67%

4.89%

4.41%

4.08%

2.79%

2.15%

1.88%

1.72%

1.60%

1.55%

0.95%

0.83%

0.51%

0.34%

Banks

Software


Pharmaceuticals

AutoPetroleum Products

Transportation

Finance

Cement

Gas


Auto Ancillaries

Power

ChemicalsFertilisers

Industrial Products

Construction


Equity HoldingsAuto 5.67%Hero MotoCorp Ltd. 2.48%Maruti Suzuki India Ltd. 1.43%Mahindra & Mahindra Ltd. 1.04%Ashok Leyland Ltd. 0.72%Auto Ancillaries 1.72%MRF Ltd. 1.52%Exide Industries Ltd. 0.20%Banks 25.78%HDFC Bank Ltd. 7.99%ICICI Bank Ltd. 4.78%Kotak Mahindra Bank Ltd. 3.86%Axis Bank Ltd. 2.69%IndusInd Bank Ltd. 1.63%State Bank of India 1.61%The Federal Bank Ltd. 1.51%City Union Bank Ltd. 1.31%Karur Vysya Bank Ltd. 0.39%Cement 2.79%Ultratech Cement Ltd. 1.20%Grasim Industries Ltd. 1.10%Ambuja Cements Ltd. 0.49%Chemicals 1.55%Tata Chemicals Ltd. 1.06%Navin Fluorine International Ltd. 0.49%Construction 0.51%Prestige Estates Projects Ltd. 0.51%Construction Project 1.88%Ashoka Buildcon Ltd. 1.35%Sadbhav Engineering Ltd. 0.53%Consumer Non Durables 12.29%Nestle India Ltd. 3.38%Britannia Industries Ltd. 2.61%Dabur India Ltd. 1.68%Hindustan Unilever Ltd. 1.63%Asian Paints Ltd. 1.26%

Marico Ltd. 0.65%Kansai Nerolac Paints Ltd. 0.65%ITC Ltd. 0.43%Fertilisers 0.95%Coromandel International Ltd. 0.95%Finance 4.08%HDFC Ltd. 3.46%SBI Life Insurance Co. Ltd. 0.62%Gas 2.15%Petronet LNG Ltd. 1.36%Indraprastha Gas Ltd. 0.79%Industrial Products 0.83%Bharat Forge Ltd. 0.83%Non - Ferrous Metals 0.34%Hindalco Industries Ltd. 0.34%Petroleum Products 4.89%Reliance Industries Ltd. 4.64%Indian Oil Corporation Ltd. 0.25%Pharmaceuticals 5.70%Sanofi India Ltd. 1.75%Aurobindo Pharma Ltd. 1.54%Sun Pharmaceutical Ind Ltd. 1.46%Cadila Healthcare Ltd. 0.96%Power 1.60%Power Grid Corporation of India Ltd. 1.60%Software 13.10%Tata Consultancy Services Ltd. 5.27%Infosys Ltd. 3.96%HCL Technologies Ltd. 1.42%Tech Mahindra Ltd. 1.32%Oracle Financial Services Software Ltd. 1.13%Transportation 4.41%Container Corporation Of India Ltd. 2.79%Transport Corporation Of India Ltd. 1.62%Equity Holdings Total 90.22%Cash & Other Receivables Total 9.78%Grand Total 100.00%

To generate long term capital appreciation by investing substantially in a portfolio of equity and equity linked

instruments of large cap and midcap companies.

thAbove returns are as on 30 November, 2018. Past performance may or may not be sustained in the future. # Nifty LargeMidcap 250 Index, ## NIFTY 50 INDEX. Assuming ₹

10,000/- invested systematically on the first Business Day of every month over a period of time.CAGR returns are computed after accounting for the cash by using XIRR

method (investment internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment

simulation is for illustrative purpose only and should not be construed as a promise on minimum returns and safeguard of capital. The Mutual Fund is not guaranteeing or

promising or forecasting any returns. The performance of the scheme is benchmarked to the Total Return variant of the index.

SIP Investments 1 Year 3 Years 5 Years 10 Years Since Inception

Total Amount Invested ( )₹ 1,20,000 3,60,000 - - 4,50,000

Market Value as on November 30, 2018 ( ) ₹ 1,16,377 4,19,604 - - 5,48,236

Returns (CAGR) (%) -5.56 10.22 - - 10.53



-5.43 10.47

4.52 12.41

-

-

-

-

10.71

11.29



SCHEME PERFORMANCE

SIP PERFORMANCE



Scheme Nifty LargeMidcap 250 Index* Nifty LargeMidcap 250 Index*SchemeNifty 50** Nifty 50**

1 Year -2.45 -2.08 7.82 9,755 9,792 10,782

3 Years 14.28 12.89 12.54 14,930 14,392 14,260

5 Years NA NA NA NA NA NA

Since Inception 9.88 9.60 7.31 14,258 14,122 13,043

PeriodCAGR (%)

Value of lumpsum investment of 10,000/- ₹invested on inception date


option. Mr. Sachin Relekar is managing the above scheme from 5th March 2015 and total no. of schemes managed by him is 11. Date of allotment is 25th Feb’2015, hence

returns are available for 1yr, 3 yrs & since inception. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of

performance. NA : Not Available. The Mutual Fund is not guaranteeing or promising or forecasting any returns. The performance of the scheme is benchmarked to the Total

Return variant of the index.

Scheme Type: An open ended equity scheme investing in both Large Cap and Mid Cap stocks

Date of Allotment: February 25, 2015

Fund Size:

AUM as on 30/11/2018: ₹ 379.83 Cr


Benchmark: Nifty LargeMidcap 250 Index


Fund Manager:Name: Mr. Sachin RelekarExperience: 13+ years


Growth ₹ 14.2577 ₹ 14.9415

Dividend ₹ 12.5470 ₹ 13.2040




7

Load Structure:

Entry Load - NIL

Exit Load





19.32%

13.53%

7.94%

7.05%

6.71%

4.02%

3.82%

3.14%

3.09%

3.04%

3.04%

2.78%

2.40%

2.02%

1.94%

1.33%

0.76%

Finance

Banks


Auto Ancillaries

Chemicals

Auto

Pharmaceuticals

Consumer Durables

Tele-Equipment & Accessories

Software

Retailing

Petroleum Products

Industrial Products

Construction


Power

Textile Products

Equity Holdings

Auto 4.02%



Exide Industries Ltd. 2.88%

Balkrishna Industries Ltd. 2.42%

Jamna Auto Industries Ltd. 0.69%

Motherson Sumi Systems Ltd. 0.63%

Tube Investments of India Ltd. 0.42%

Banks 13.53%


City Union Bank Ltd. 4.58%


Chemicals 6.71%

Tata Chemicals Ltd. 3.62%

Vinati Organics Ltd. 3.09%

Construction 2.02%

Brigade Enterprises Ltd. 1.76%

Simplex Infrastructures Ltd. 0.25%


Voltas Ltd. 1.94%

Consumer Durables 3.14%

Bata India Ltd. 2.83%

VIP Industries Ltd. 0.31%


Kansai Nerolac Paints Ltd. 2.89%

Procter & Gamble Hygiene&HealthCare Ltd. 2.11%

Bombay Burmah Trading Corp Ltd. 1.71%

Colgate Palmolive (India) Ltd. 0.85%


Finance 19.32%


HDFC Ltd. 3.72%

TI Financial Holdings Ltd. 3.11%


Max Financial Services Ltd. 2.67%


Motilal Oswal Financial Services Ltd. 0.29%

HDFC Asset Management Company Ltd. 0.02%

Industrial Products 2.40%

Supreme Industries Ltd. 2.40%




Sanofi India Ltd. 2.54%


Power 1.33%

Tata Power Company Ltd. 1.33%

Retailing 3.04%


Software 3.04%


Telecom - Equipment & Accessories 3.09%

Sterlite Technologies Ltd. 3.09%

Textile Products 0.76%

K.P.R. Mill Ltd. 0.76%



Grand Total 100.00%

The investment objective of the scheme is to generate long-term capital appreciation for unit holders from a

portfolio that in invested substantially in equity and equity related securities of companies engaged in

banking and financial services sector. However there can be no assurance that the investment objective of

the scheme will be achieved.



SCHEME PERFORMANCE

72.07%

21.74%

Banks

Finance

Company % of NAV


SchemeNifty Financial

Services Index*Nifty Financial

Services Index*Nifty 50** Nifty 50**Scheme

1 Year -20.68 11.49 7.82 7,932 11,149

15,980

10,782

13,685

3 Years 11,136 16,531 14,260

5 Years NA

3.65

NA

18.22

NA

12.54

NA NA NA

Since Inception 0.14 13.58 8.89 10,050

PeriodCAGR (%)

Value of lumpsum investment of 10,000/-₹invested on inception date


option. Mr. Yogesh Patil is managing the above scheme from 4th October 2018 and total no. of schemes managed by him is 7. Date of allotment is 27th March'2015, hence

returns are available only for 1 yr, 3 yrs & since inception. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of

performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. * Benchmark, ** Additional Benchmark. NA : Not Available. The performance of the

scheme is benchmarked to the Total Return variant of the index.

Scheme Type: An open ended equity scheme investing in banking & financial companies

Date of Allotment: March 27, 2015

Fund Size:

AUM as on 30/11/2018: ₹ 57.70 Cr


Benchmark: Nifty Financial Services Index




Growth ₹ . ₹ .10 0504 10 4486

10 0493 10 4290Dividend ₹ . ₹ .




thAbove returns are as on 30 November, 2018. Past performance may or may not be sustained in the future. # Nifty Financial Services Index, ## Nifty 50 Index. Assuming ₹ 10,000/- invested systematically on the first Business Day of every month over a period of

time. CAGR returns are computed after accounting for the cash by using XIRR method (investment internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment simulation is for

illustrative purpose only and should not be construed as a promise on minimum returns and safeguard of capital. The Mutual Fund is not guaranteeing or promising or forecasting any returns. The performance of the scheme is benchmarked to the Total Return

variant of the index.


Total Amount Invested ( )₹ 1,20,000 3,60,000

1,10,231 3,56,362

-14.76 -0.66

11.95 19.46

4.52 12.41

- - 4,40,000

Market Value as on November 30, 2018 ( ) ₹ - - 4,39,647

Returns (CAGR) (%) - - -0.04



-

-

-

-

17.84

11.52

SIP PERFORMANCE

8

Load Structure:

Entry Load - NIL

Exit Load





Equity Holdings

Banks 72.07%




Axis Bank Ltd. 9.13%


IndusInd Bank Ltd. 6.45%

The Federal Bank Ltd. 5.97%

DCB Bank Ltd. 2.72%

Karur Vysya Bank Ltd. 1.23%

Finance 21.74%

HDFC Ltd. 6.12%


Cholamandalam Investment & Finance Company Ltd. 3.52%

ICICI Lombard General Insurance Co. Ltd. 2.89%


SBI Life Insurance Co. Ltd. 0.99%


Equitas Holdings Ltd. 0.91%



Grand Total 100.00%

thAbove returns are as on 30 November, 2018. Past performance may or may not be sustained in the future. # Nifty Infrastructure Index, ## Nifty 50 Index. Assuming ₹ 10,000/-

invested systematically on the first Business Day of every month over a period of time.CAGR returns are computed after accounting for the cash by using XIRR method

(investment internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment simulation is

for illustrative purpose only and should not be construed as a promise on minimum returns and safeguard of capital. The Mutual Fund is not guaranteeing or promising or

forecasting any returns. The performance of the scheme is benchmarked to the Total Return variant of the index.

The investment objective of the scheme is to generate long-term growth from a portfolio of equity / equity

related instruments of companies engaged either directly or indirectly in the infrastructure sector. However,

there is no assurance that the investment objective of the Schemes will be realized.


Total Amount Invested ( )₹ 1,20,000

1,11,469

-12.93

-9.88

4.52

3,60,000 6,00,000 12,80,00012,00,000

Market Value as on November 30, 2018 ( ) ₹ 3,75,373 6,74,686 18,00,65416,69,732

Returns (CAGR) (%) 2.74 4.64 6.226.43



3.08

12.41

2.84

11.14

2.532.87

11.8512.03



SCHEME PERFORMANCE

SIP PERFORMANCE



SchemeNifty Infrastructure

Index*Nifty Infrastructure

Index*Nifty 50** Nifty 50**Scheme

1 Year -12.33 -10.52 7.82 8,767 8,948 10,782

3 Years 4.86 5.24 12.54 11,531 11,659 14,260

5 Years 10.69 6.44 13.37 16,628 13,666 18,742

Since Inception 2.62 -1.31 9.67 13,190 8,682 26,838

PeriodCAGR (%)



option. Mr. Sachin Relekar managing the above scheme from 1st March 2013 and total no. of schemes managed by him is 11. Past performance may or may not be sustained in

the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. * Benchmark, **

Additional Benchmark. The performance of the scheme is benchmarked to the Total Return variant of the index.

Scheme Type: An open ended equity scheme

investing in infrastructure companies.


Fund Size:

AUM as on 30/11/2018: ₹ 53.15 Cr


Benchmark: Nifty Infrastructure Index


Fund Manager:

Name: Mr. Sachin Relekar

Experience: years13+


Growth ₹ ₹ 13.1899 14.0061

13.1909 13.8945Dividend ₹ ₹




9


Exit Load





29.96%

12.19%

7.08%

6.45%

5.96%

5.64%

5.14%

3.84%

3.81%

3.10%

2.13%

1.99%

Banks

Cement

Petroleum Products

Construction


Transportation

Industrial Products



Telecom - Services

Power

Minerals/Mining

Equity Holdings

Banks 29.96%



State Bank of India 6.34%


Cement 12.19%

The Ramco Cements Ltd. 5.00%

JK Lakshmi Cement Ltd. 2.54%

Ultratech Cement Ltd. 2.41%

ACC Ltd. 2.24%

Construction 6.45%

KNR Constructions Ltd 3.38%





Sadbhav Engineering Ltd. 2.86%


SKF India Ltd. 5.14%

Minerals/Mining 1.99%

Coal India Ltd. 1.99%





Indian Oil Corporation Ltd. 1.06%

Power 2.13%




Telecom - Services 3.10%

Bharti Airtel Ltd. 3.10%


InterGlobe Aviation Ltd. 2.89%

Container Corporation Of India Ltd. 2.76%



Grand Total 100.00%

thAbove returns are as on 30 November, 2018. Past performance may or may not be sustained in the future. # Nifty 500 Index, ## Nifty 50 Index. Assuming ₹ 10,000/- invested

systematically on the first Business Day of every month over a period of time.CAGR returns are computed after accounting for the cash by using XIRR method (investment



returns. NA: Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index. * Scheme data & TRI value of the Index are not available for


To provide capital growth along with tax rebate and tax relief to our investors through prudent investments in

the stock markets. However, there is no assurance that the investment objective of the Schemes will be

realized.



NA

NA

NA

NA

Market Value as on November 30, 2018 ( ) ₹ 1,19,387 4,20,534 7,87,042 22,62,013

Returns (CAGR) (%) -0.95 10.37 10.80 12.18



-2.54

4.52

10.46

12.41

11.18

11.14

12.58

12.03



SCHEME PERFORMANCE

SIP PERFORMANCE



Scheme Nifty 500 Index* Nifty 500 Index*Nifty 50** Nifty 50**Scheme

1 Year 2.29 0.74 7.82 10,229

13,694

10,074 10,782

3 Years 11.04 12.24 12.54 14,144 14,260

5 Years 15.46 15.12 13.37 20,533 20,233 18,742

Since Inception 8.94 14.76 13.20 64,060 1,97,807 1,47,022

PeriodCAGR (%)



option. Mr. Sachin Relekar is managing the above scheme from 5th March 2015 and total no. of schemes managed by him is 11. Past performance may or may not be sustained

in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. *Benchmark,

**Additional Benchmark. The performance of the scheme is benchmarked to the Total Return variant of the index. For detailed disclaimer, please refer page no 27(6).

Scheme Type: An open ended equity linked

saving scheme with a statutory lock in of 3 years

and tax benefit.

Date of Allotment: March 31,1997

Fund Size:

AUM as on 30/11/2018: ₹ 190.17 Cr


Load Structure:Entry Load: Nil

Exit Load: Nil (Subject to lock-in period of 3

years)


Minimum Investment: ₹ 500/-

Fund Manager:

Name: Mr. Sachin Relekar

Experience: years13+


Growth ₹ ₹ 64.0608 67.7197

17.2372 18.3113Dividend ₹ ₹




10 Factsheet December, 2018

19.32%

12.01%

10.33%

6.82%

5.50%

4.57%

4.05%

3.75%

3.26%

2.78%

2.35%

2.23%

2.23%

2.02%

1.89%

0.97%

0.96%

0.94%

0.89%

0.64%

0.15%

Banks

Finance


Chemicals

Auto

Auto Ancillaries

Software

Petroleum Products

Retailing

Consumer Durables

Industrial Products

Construction


Pharmaceuticals


Media & EntertainmentTextile Products


Power

Ferrous Metals

Pesticides

Equity Holdings

Auto 5.50%




Exide Industries Ltd. 1.88%

Balkrishna Industries Ltd. 1.44%

Jamna Auto Industries Ltd. 0.78%

Tube Investments Of India Ltd. 0.46%

Banks 19.32%





Chemicals 6.82%

Vinati Organics Ltd. 3.49%

Tata Chemicals Ltd. 3.33%

Construction 2.23%




Voltas Ltd. 0.94%


Bata India Ltd. 2.29%

VIP Industries Ltd. 0.48%





Bombay Burmah Trading Corp Ltd. 0.89%

Procter & Gamble Hygiene&HealthCare Ltd. 0.86%



Tata Steel Ltd.- Partly Paid 0.01%

Finance 12.01%



TI Financial Holdings Ltd. 2.03%



HDFC Asset Management Company Ltd. 0.03%


Supreme Industries Ltd. 1.46%

SKF India Ltd. 0.89%





Pesticides 0.15%

P I Industries Ltd. 0.15%






Power 0.89%


Retailing 3.26%


Software 4.05%


Infosys Ltd. 1.31%



Textile Products 0.96%

K.P.R. Mill Ltd. 0.96%



Grand Total 100.00%

thAbove returns are as on 30 November, 2018. Past performance may or may not be sustained in the future. # S&P BSE SENSEX, ## NIFTY 50 INDEX. Assuming ₹ 10,000/-

invested systematically on the first Business Day of every month over a period of time.CAGR returns are computed after accounting for the cash by using XIRR method



forecasting any returns. The performance of the scheme is benchmarked to the Total Return variant of the index. NA : Since TRI data is not available prior to 31/05/2007 for S&P

BSE Sensex, performance for such period is not available.

The main investment objective of the fund is to generate returns commensurate with the performance of the

index S&P BSE Sensex based on the plans by investing in the respective index stocks subject to tracking

errors. However, there is no assurance that the investment objective of the Schemes will be realized.


Total Amount Invested ( )₹ 1,20,000 3,60,000 6,00,000 12,00,000 19,10,000

NA

Market Value as on November 30, 2018 ( ) ₹ 1,23,604 4,30,553 7,67,245 20,68,340 48,50,318

Returns (CAGR) (%) 5.63 11.99 9.78 10.50 10.83



7.23

4.52

13.85

12.41

11.66

11.14

12.37

13.7212.03



SCHEME PERFORMANCE

SIP PERFORMANCE



Scheme S&P BSE Sensex* S&P BSE Sensex*Nifty 50** Nifty 50**Scheme

1 Year 8.90 10.52 7.82 10,890 11,052 10,782

3 Years 11.02 12.93 12.54 13,687 14,405 14,260

5 Years

Since Inception

11.29 13.27 13.37 17,079 18,661 18,742

13.32 17.51 17.39 73,921 1,32,099 1,30,017

PeriodCAGR (%)




the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. * Benchmark, **

Additional Benchmark. The performance of the scheme is benchmarked to the Total Return variant of the index. For detailed disclaimer, please refer page no 27(5).

Scheme Type: An open ended scheme replicating/tracking S&P BSE Sensex Index

Date of Allotment: December 05, 2002

Fund Size:

AUM as on 30/11/2018: ₹ 18.67 Cr


Load Structure:Entry Load: NilExit Load: 1% if redeemed or switched out on or before completion of 1 month from the date of allotments of units

Benchmark: S&P BSE Sensex




Growth ₹ ₹ 67.0585 69.1755

22.9854 23.2088Dividend ₹ ₹



Risk Measures:Tracking Error 0.23%


31.94%

13.83%

11.82%

10.41%

9.19%

7.91%

4.77%

2.32%

1.45%

1.15%

1.11%

1.09%

0.98%

0.90%

0.79%

Banks

Software


Petroleum Products

Finance

Auto


Power

Pharmaceuticals

Ferrous Metals

Telecom - Services

Oil


Minerals/Mining

Transportation

Equity Holdings

Auto 7.91%



Hero MotoCorp Ltd. 1.08%

Bajaj Auto Ltd. 1.02%

Tata Motors Ltd. 0.88%

Tata Motors Ltd (DVR) 0.12%

Banks 31.94%







Yes Bank Ltd. 0.84%




ITC Ltd. 6.71%


Asian Paints Ltd. 1.67%



Finance 9.19%

HDFC Ltd. 9.19%




Vedanta Ltd. 0.98%

Oil 1.09%

Oil & Natural Gas Corporation Ltd. 1.09%




Sun Pharmaceutical Ind Ltd. 1.45%

Power 2.32%

NTPC Ltd. 1.18%

Power Grid Corporation of India Ltd. 1.13%

Software 13.83%

Infosys Ltd. 6.99%


Wipro Ltd. 1.05%




Adani Ports & Special Economic Zone Ltd. 0.79%



Grand Total 100.00%

thAbove returns are as on 30 November, 2018. Past performance may or may not be sustained in the future. # NIFTY 50 INDEX, ## S&P BSE SENSEX. Assuming ₹ 10,000/-

invested systematically on the first Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using XIRR method



forecasting any returns. The performance of the scheme is benchmarked to the Total Return variant of the index.. NA: Since TRI data is not available prior to 31/05/2007 for

S&P BSE Sensex, performance for such period is not available.

The main investment objective of the fund is to generate returns commensurate with the performance of the

index Nifty based on the plans by investing in the respective index stocks subject to tracking errors. However,

there is no assurance that the investment objective of the Schemes will be realized.


Total Amount Invested ( )₹ 1,20,000 3,60,000 6,00,000 12,00,000 19,10,000

NA

Market Value as on November 30, 2018 ( ) ₹ 1,21,869 4,21,389 7,60,015 20,57,368 46,53,479

Returns (CAGR) (%) 2.91 10.51 9.40 10.40 10.37



4.52

7.23

12.41

13.85

11.14

11.66

12.03 13.72

12.37



SCHEME PERFORMANCE

SIP PERFORMANCE



Scheme NIFTY 50* NIFTY 50*S&P BSE Sensex** S&P BSE Sensex**Scheme

1 Year 5.81 7.82 10.52 10,581 10,782 11,052

3 Years 10.71 12.54 12.93 13,573 14,260 14,405

5 Years 11.69 13.37 13.27 17,393 18,742 18,661

Since Inception 12.51 17.39 17.51 65,927 1,30,017 1,32,099

PeriodCAGR (%)




the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. *Benchmark,

**Additional Benchmark. The performance of the scheme is benchmarked to the Total Return variant of the index. For detailed disclaimer, please refer page no 27(4).

Scheme Type: An open ended scheme replicating/tracking Nifty 50 Index


Fund Size:

AUM as on 30/11/2018: ₹ 19.93 Cr


Load Structure:Entry Load: NilExit Load: 1% if redeemed or switched out on or before completion of 1 month from the date of allotments of units





Growth ₹ ₹ 59.8328 61.6713

2 0722 2 7180Dividend ₹ 2 . ₹ 2 .





27.18%

13.91%

10.80%

10.15%

9.92%

7.31%

4.05%

2.63%

1.91%

1.74%

1.68%

1.58%

0.97%

0.90%

0.88%

0.74%

0.67%

0.63%

0.61%

0.60%

0.48%

Banks

Software

Petroleum Products

Finance


Auto


Pharmaceuticals

Power

Cement

Ferrous Metals


Telecom - Services

Oil

Consumer Durables

Minerals/Mining

Gas

Transportation

Pesticides



Equity Holdings

Auto 7.31%





Eicher Motors Ltd. 0.78%


Banks 27.18%







Yes Bank Ltd. 0.72%

Cement 1.74%


Grasim Industries Ltd. 0.77%




Titan Company Ltd. 0.88%


ITC Ltd. 5.62%





JSW Steel Ltd. 0.73%

Finance 10.15%

HDFC Ltd. 7.42%



Indiabulls Housing Finance Ltd. 0.52%

Gas 0.67%

GAIL (India) Ltd. 0.67%

Media & Entertainment 0.60%Zee Entertainment Enterprises Ltd. 0.60%Minerals/Mining 0.74%Coal India Ltd. 0.74%Non - Ferrous Metals 1.58%Vedanta Ltd. 0.84%Hindalco Industries Ltd. 0.75%Oil 0.90%Oil & Natural Gas Corporation Ltd. 0.90%Pesticides 0.61%UPL Ltd. 0.61%Petroleum Products 10.80%Reliance Industries Ltd. 9.19%Indian Oil Corporation Ltd. 0.65%Bharat Petroleum Corporation Ltd. 0.57%Hindustan Petroleum Corporation Ltd. 0.40%Pharmaceuticals 2.63%Sun Pharmaceutical Ind Ltd. 1.26%Dr. Reddy's Laboratories Ltd. 0.74%Cipla Ltd. 0.63%Power 1.91%NTPC Ltd. 0.98%Power Grid Corporation of India Ltd. 0.93%Software 13.91%Infosys Ltd. 5.86%Tata Consultancy Services Ltd. 4.88%HCL Technologies Ltd. 1.31%Tech Mahindra Ltd. 1.02%Wipro Ltd. 0.85%Telecom - Equipment & Accessories 0.48%Bharti Infratel Ltd. 0.48%Telecom - Services 0.97%Bharti Airtel Ltd. 0.97%Transportation 0.63%Adani Ports & Special Economic Zone Ltd. 0.63%Equity Holdings Total 99.35%Cash & Other Receivables Total 0.65%Grand Total 100.00%

The investment objective of the scheme is to provide returns that closely correspond to the total returns of

securities as represented by NIFTY 50 Index, subject to tracking errors. However there is no assurance that

the objective of the scheme will be achieved.



SCHEME PERFORMANCE



Scheme NIFTY 50* NIFTY 50*S&P BSE Sensex** S&P BSE Sensex**Scheme

1 Year 7.70

12.40

7.82

12.54

10.52

12.93

10,770

14,206

10,782

14,260

11,052

14,4053 Years

NA NA NA NA NA NA5 Years

Since Inception 12.52 12.79 13.20 14,295 14,402 14,560

PeriodCAGR (%)



option. Mr. Sachin Relekar is managing the above scheme from 20th November 2015 and total no. of schemes managed by him is 11. Date of allotment is 20th Nov'2015, hence

returns are available only for 1 year & since inception. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of




Date of Allotment: November 20, 2015

Fund Size:

AUM as on 30/11/2018: ₹ 485.59 Cr


Load Structure:Entry Load: Exit Load: Nil Nil

Liquidity: The Units of the scheme will be listed on National Stock Exchange(NSE) & Bombay Stock Exchange Ltd.(BSE).


Minimum Investment: For Subscription / Redemption of units

directly with Mutual Fund : 50,000 units.

For Purchase through Stock Exchange: 1 unit

Fund Manager:Name: Mr. Sachin RelekarExperience: years13+

NAV as on November 30, 2018:NAV Regular Plan

Growth ₹ 112.3128

Expense Ratio: Regular: 0.10%(for detailed bifurcation on TER, please see page no 30)




27.22%

13.91%

10.83%

10.17%

9.98%

7.32%

4.08%

2.67%

1.95%

1.77%

1.67%

1.63%

0.97%

0.93%

0.90%

0.74%

0.70%

0.64%

0.63%

0.63%

0.51%

Banks

Software

Petroleum Products

Finance


Auto

Construction ProjectPharmaceuticals

Power

Cement

Ferrous Metals


Telecom - Services

OilConsumer Durables

Minerals/MiningGas

Pesticides


Transportation


Equity Holdings

Auto 7.32%





Eicher Motors Ltd. 0.73%


Banks 27.22%







Yes Bank Ltd. 0.73%

Cement 1.77%


Grasim Industries Ltd. 0.79%




Titan Company Ltd. 0.90%


ITC Ltd. 5.66%





JSW Steel Ltd. 0.72%

Finance 10.17%

HDFC Ltd. 7.43%



Indiabulls Housing Finance Ltd. 0.54%

Gas 0.70%

GAIL (India) Ltd. 0.70%






Vedanta Ltd. 0.85%


Oil 0.93%


Pesticides 0.64%

UPL Ltd. 0.64%




Bharat Petroleum Corporation Ltd. 0.59%

Hindustan Petroleum Corporation Ltd. 0.39%



Dr. Reddy's Laboratories Ltd. 0.77%

Cipla Ltd. 0.64%

Power 1.95%

NTPC Ltd. 1.02%


Software 13.91%

Infosys Ltd. 5.84%


HCL Technologies Ltd. 1.30%

Tech Mahindra Ltd. 1.03%

Wipro Ltd. 0.85%


Bharti Infratel Ltd. 0.51%




Adani Ports & Special Economic Zone Ltd. 0.63%



Grand Total 100.00%

The investment objective of the scheme is to provide returns that, closely correspond to the total returns of

the securities as represented by the S&P BSE SENSEX by holding S&P BSE SENSEX stocks in same

proportion, subject to tracking errors. However there is no assurance that the objective of the scheme will be

achieved.



SCHEME PERFORMANCE



Scheme S&P BSE Sensex* S&P BSE Sensex*Nifty 50** Nifty 50**Scheme

1 Year 10.53 10.52 7.82 11,053 11,052 10,782



Since Inception 12.86 12.93 12.54 14,382 14,405 14,260

PeriodCAGR (%)



option. Mr. Sachin Relekar is managing the above scheme from 30th November 2015 and total no. of schemes managed by him is 11. Date of allotment is 30th Nov'2015, hence




Scheme Type: An open ended scheme replicating/tracking Sensex Index


Fund Size:

AUM as on 30/11/2018: ₹ 362.36 Cr




Benchmark: S&P BSE Sensex


directly with Mutual Fund : 2,000 units.




Growth ₹ 376.0284





31.98%

13.87%

11.88%

10.39%

9.19%

7.97%

4.81%

2.31%

1.47%

1.15%

1.13%

1.09%

1.01%

0.91%

0.80%

Banks

Software


Petroleum Products

Finance

Auto


Power

Pharmaceuticals

Ferrous Metals

Telecom - Services

Oil


Minerals/Mining

Transportation

Equity Holdings

Auto 7.97%






Tata Motors Ltd (DVR) 0.12%

Banks 31.98%







Yes Bank Ltd. 0.86%




ITC Ltd. 6.75%





Finance 9.19%

HDFC Ltd. 9.19%




Vedanta Ltd. 1.01%

Oil 1.09%






Power 2.31%

NTPC Ltd. 1.19%


Software 13.87%

Infosys Ltd. 7.00%


Wipro Ltd. 1.04%




Adani Ports & Special Eco Zone Ltd. 0.80%



Grand Total 100.00%


securities as represented by NIFTY 100 Index, subject to tracking errors. However there is no assurance that

the objective of the scheme will be achieved.



SCHEME PERFORMANCE



Scheme NIFTY 100* NIFTY 100*NIFTY 50** NIFTY 50**Scheme

1 Year 5.33 5.56 7.82 10,533 10,556 10,782



Since Inception 16.20 16.61 16.24 15,014 15,158 15,028

PeriodCAGR (%)



option. Mr. Sachin Relekar is managing the above scheme from 17th March, 2016 and total no. of schemes managed by him is 11. Date of allotment is 17th Mar'2016, hence






Fund Size:

AUM as on 30/11/2018: ₹ 304.11 Cr






directly with Mutual Fund : 2,00,000 units.




Growth ₹ 114.1358





24.00%

12.23%

11.74%

10.69%9.47%

6.84%

4.03%

3.59%

2.49%

1.83%1.58%

1.54%

1.14%

1.04%

1.01%

0.96%

0.92%

0.89%

0.80%

0.67%

0.63%

0.57%

0.44%

0.34%

0.30%

0.16%

Banks

Software


Finance

Petroleum Products

Auto

Pharmaceuticals


CementPower

Ferrous Metals

Non - Ferrous MetalsConsumer Durables

Transportation

Auto Ancillaries

Telecom - Services

OilGas

Minerals/Mining


Industrial Capital Goods

Pesticides


Chemicals

Retailing

Construction

Equity HoldingsAuto 6.84%Maruti Suzuki India Ltd. 2.05%Mahindra & Mahindra Ltd. 1.51%Hero MotoCorp Ltd. 0.80%Bajaj Auto Ltd. 0.77%Tata Motors Ltd. 0.66%Eicher Motors Ltd. 0.65%Ashok Leyland Ltd. 0.33%Tata Motors Ltd (DVR) 0.08%Auto Ancillaries 1.01%Motherson Sumi Systems Ltd. 0.37%Bosch Ltd. 0.36%MRF Ltd. 0.28%Banks 24.00%HDFC Bank Ltd. 9.13%ICICI Bank Ltd. 4.60%Kotak Mahindra Bank Ltd. 3.31%Axis Bank Ltd. 2.20%State Bank of India 2.14%IndusInd Bank Ltd. 1.68%Yes Bank Ltd. 0.64%Bank of Baroda 0.21%Bandhan Bank Ltd. 0.09%Cement 2.49%Ultratech Cement Ltd. 0.84%Grasim Industries Ltd. 0.69%Shree Cements Ltd. 0.38%Ambuja Cements Ltd. 0.33%ACC Ltd. 0.26%Chemicals 0.34%Pidilite Industries Ltd. 0.34%Construction 0.16%DLF Ltd. 0.16%Construction Project 3.59%Larsen & Toubro Ltd. 3.59%Consumer Durables 1.14%Titan Company Ltd. 0.80%Havells India Ltd. 0.34%Consumer Non Durables 11.74%ITC Ltd. 4.90%Hindustan Unilever Ltd. 2.53%Asian Paints Ltd. 1.23%Britannia Industries Ltd. 0.77%Godrej Consumer Products Ltd. 0.59%Dabur India Ltd. 0.48%Marico Ltd. 0.38%United Spirits Ltd. 0.37%Colgate Palmolive (India) Ltd. 0.34%Procter & Gamble Hygiene&HealthCare Ltd. 0.15%Ferrous Metals 1.58%Tata Steel Ltd. 0.80%JSW Steel Ltd. 0.66%Steel Authority of India Ltd. 0.12%Finance 10.69%HDFC Ltd. 6.47%Bajaj Finance Ltd. 1.21%Bajaj Finserv Ltd. 0.74%Indiabulls Housing Finance Ltd. 0.47%Shriram Transport Finance Company Ltd. 0.35%LIC Housing Finance Ltd. 0.29%HDFC Standard Life Insurance Co Ltd. 0.23%ICICI Prudential Life Insurance Co Ltd. 0.20%L&T Finance Holdings Ltd. 0.18%General Insurance Corporation of India 0.14%SBI Life Insurance Co. Ltd. 0.12%

ICICI Lombard General Insurance Co. Ltd. 0.12%Aditya Birla Capital Ltd. 0.10%The New India Assurance Co. Ltd. 0.07%Gas 0.89%GAIL (India) Ltd. 0.59%Petronet LNG Ltd. 0.30%Industrial Capital Goods 0.63%Bharat Heavy Electricals Ltd. 0.19%Siemens Ltd. 0.18%ABB India Ltd. 0.13%Bharat Electronics Ltd. 0.13%Media & Entertainment 0.67%Zee Entertainment Enterprises Ltd. 0.55%Sun TV Network Ltd. 0.12%

Minerals/Mining 0.80%Coal India Ltd. 0.64%NMDC Ltd. 0.16%Non - Ferrous Metals 1.54%Vedanta Ltd. 0.73%Hindalco Industries Ltd. 0.68%Hindustan Zinc Ltd. 0.13%Oil 0.92%Oil & Natural Gas Corporation Ltd. 0.81%Oil India Ltd. 0.11%Pesticides 0.57%UPL Ltd. 0.57%

Petroleum Products 9.47%Reliance Industries Ltd. 8.02%Indian Oil Corporation Ltd. 0.56%Bharat Petroleum Corporation Ltd. 0.53%Hindustan Petroleum Corporation Ltd. 0.36%

Pharmaceuticals 4.03%Sun Pharmaceutical Ind Ltd. 1.11%Dr. Reddy's Laboratories Ltd. 0.68%Cipla Ltd. 0.57%Aurobindo Pharma Ltd. 0.45%Lupin Ltd. 0.44%Piramal Enterprises Ltd. 0.37%Biocon Ltd. 0.24%Cadila Healthcare Ltd. 0.19%Power 1.83%NTPC Ltd. 0.88%Power Grid Corporation of India Ltd. 0.82%NHPC Ltd. 0.13%Retailing 0.30%Avenue Supermarts Ltd. 0.30%

Software 12.23%Infosys Ltd. 5.11%Tata Consultancy Services Ltd. 4.23%HCL Technologies Ltd. 1.14%Tech Mahindra Ltd. 0.86%Wipro Ltd. 0.74%Oracle Financial Services Software Ltd. 0.16%

Telecom - Equipment & Accessories 0.44%Bharti Infratel Ltd. 0.44%

Telecom - Services 0.96%Bharti Airtel Ltd. 0.83%Vodafone Idea Ltd. 0.13%

Transportation 1.04%Adani Ports & Special Economic Zone Ltd. 0.54%Container Corporation Of India Ltd. 0.30%InterGlobe Aviation Ltd. 0.19%Equity Holdings Total 99.89%Cash & Other Receivables Total 0.11%Grand Total 100.00%


securities as represented by Nifty 8-13 yr G-Sec Index, subject to tracking errors. However there is no

assurance that the objective of the scheme will be achieved.

Company Rating % of NAV

97.93%

2.07%

Sovereign

Cash & Other Receivables

97.93%

2.07%

>365 days




SCHEME PERFORMANCE

MATURITY PROFILE (% of NAV) RATING PROFILE (% of NAV)

Scheme Nifty 8-13 yr G-Sec* Crisil 10 year Gilt Index** Crisil 10 year Gilt Index**Scheme Nifty 8-13 yr G-Sec*

1 Year 3.90 4.28 2.52 10,390 10,428 10,252

3 Years 7.08 7.43 6.34 12,281 12,403 12,028


Since Inception 7.26 7.59 6.71 13,175 13,340 12,913

PeriodCAGR (%)


thAbove returns are as on 30 November, 2018. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option. Mr. Marzban Irani is managing the above scheme from 10th August, 2016 and total

no. of schemes managed by him is 11. Date of allotment is 24th Dec'2014, hence returns are available for 1 yr, 3 yrs & since inception. Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance.

The Mutual Fund is not guaranteeing or promising or forecasting any returns. * Benchmark, ** Additional Benchmark. NA : Not Available.

Scheme Type: An open ended scheme replicating/tracking Nifty 8-13 Yr G-Sec Index


Fund Size:

AUM as on 30/11/2018: ₹ 73.01 Cr



Benchmark: Nifty 8-13 yr G-Sec Index

Minimum Investment:For Subscription / Redemption of units directly with Mutual Fund : 1,00,000 units.

Fund Manager:Name: Mr. Marzban IraniExperience: years17+


Growth ₹ 17.6674


Risk Measures:

Tracking Error: 1.12 %

Portfolio Metrics:Average Maturity 9.69 yearsMacaulay Duration 6.95 yearsYTM 7.65 %


Government Bond And Treasury Bill

Government Bond

7.17% Govt of India Red 08-01-2028 SOV 47.27%





Government Bond Total 97.93%

Government Bond And Treasury Bill Total 97.93%

Cash & Other Receivables 2.07%

Grand Total 100.00%

An open ended balanced scheme which seeks to provide regular returns and capital appreciation according

to the selection of plan by investing in equities and debt. However, there is no assurance that the investment

objective of the Schemes will be realized.

thAbove returns are as on 30 November, 2018. Past performance may or may not be sustained in the future. # Crisil Hybrid 35 + 65 -Aggressive Index, ## Nifty 50 Index.

Assuming ₹ 10,000/- invested systematically on the first Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using

XIRR method (investment internal rate of return) for Regular Plan - Growth Option. Load is not taken into consideration for computation of performance. The above investment

simulation is for illustrative purpose only and should not be construed as a promise on minimum returns and safeguard of capital. The Mutual Fund is not guaranteeing or

promising or forecasting any returns. NA: Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index. * Scheme data & TRI value of

the Index are not available for since inception, hence performance for such period is not available.

Frequency Ex Date Face Value ( )₹ Ex NAV ( )₹ Gross Dividend ( ) / Unit₹

Regular Dividend

November 29, 2018

October 30, 2018

September 26, 2018

November 29, 2018

October 30, 2018

September 26, 2018

10.0000

10.0000

10.0000

13.4990

12.9393

13.7061

0.1100

0.1100

0.1100

Direct Dividend

10.0000

10.0000

10.0000

14.3374

13.7262

14.5176

0.1100

0.1100

0.1100

19.56%

6.71%

3.51%

70.23%


Equity Instruments

Up to 365 days

>365 days



NA

NA

NA

NA


Returns (CAGR) (%) -0.33 5.19 5.50 7.72



2.92

4.52

9.66

12.41

10.34

11.13

11.31

12.03



SCHEME PERFORMANCE

SIP PERFORMANCEMATURITY PROFILE (% of NAV)

DIVIDEND HISTORY



SchemeCRISIL Hybrid 35+65 -

Aggressive Index*CRISIL Hybrid 35+65 -

Aggressive Index*SchemeNifty 50** Nifty 50**

1 Year -3.37 3.89 7.82 9,663 10,389 10,782

3 Years 5.86 11.02 12.54 11,864 13,689 14,260

5 Years 8.81 13.07 13.37 15,261 18,496 18,742


PeriodCAGR (%)

Value of lumpsum investment of 10,000/- invested on ₹inception date

thAbove returns as on 30 November, 2018. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option.

Mr. Yogesh Patil (Equity Portfolio) is managing the above scheme from 4th October 2018 & Mr. Marzban Irani (debt portfolio) is managing the above scheme from 10th August,

2016. Total no. of schemes managed by Mr. Yogesh Patil is 7 and by Mr. Marzban Irani is 11. Past performance may or may not be sustained in the future. Load is not taken into

consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the scheme was launched before the launch of

the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional Benchmark. NA : Not Available. The

performance of the scheme is benchmarked to the Total Return variant of the index. For complete detailed, please refer page no 27(1).

After payment of the dividend, the per Unit NAV falls to the extent of the payout and statutory levy (if applicable). There is no guarantee or assurance to the unitholders as to the rate/quantum of neither dividend distribution nor that the dividends be paid regularly. For complete dividend history please visit www.licmf.com.

Scheme Type: An open ended hybrid scheme investing predominantly in equity and equity related instruments.

Date of Allotment: January 01, 1991

Fund Size:

AUM as on 30/11/2018: ₹ 335.72 Cr


Benchmark: Crisil Hybrid 35 + 65 - Aggressive Index


Fund Manager:Name: Mr. (Equity) &Yogesh Patil Mr. Marzban Irani (Debt)Experience: years & 1 years respectively11+ 7+


Growth ₹ 96.3107 ₹ 101.7440

Dividend ₹ 13.5434 ₹ 14.3848

Expense Ratio: Regular: 2.41%; Direct: 1.51%

(for detailed bifurcation on TER, please see page no 30)


Risk Measures:Standard Deviation 3.78Portfolio Beta 1.29 Sharpe Ratio -0.0264

17


Exit Load





24.35%

10.37%

7.41%

5.41%

4.70%

4.19%

3.06%

3.05%

2.89%

1.67%

1.24%

1.09%

0.48%

0.31%

Banks

SoftwareConsumer Non Durables

Finance

Pharmaceuticals

Cement

Auto

Petroleum Products

Transportation

Chemicals

Gas

Power

Construction


Equity HoldingsAuto 3.06%Maruti Suzuki India Ltd. 1.48%Mahindra & Mahindra Ltd. 0.95%Hero MotoCorp Ltd. 0.49%Ashok Leyland Ltd. 0.13%Banks 24.35%HDFC Bank Ltd. 7.17%ICICI Bank Ltd. 5.12%Kotak Mahindra Bank Ltd. 2.88%Axis Bank Ltd. 2.33%The Federal Bank Ltd. 2.24%State Bank of India 2.06%IndusInd Bank Ltd. 1.38%City Union Bank Ltd. 1.17%Cement 4.19%Ultratech Cement Ltd. 2.46%Grasim Industries Ltd. 1.73%Chemicals 1.67%Tata Chemicals Ltd. 1.00%Navin Fluorine International Ltd. 0.67%Construction 0.48%Prestige Estates Projects Ltd. 0.48%Construction Project 0.31%Ashoka Buildcon Ltd. 0.31%Consumer Non Durables 7.41%Nestle India Ltd. 2.42%Britannia Industries Ltd. 1.47%Dabur India Ltd. 1.21%Hindustan Unilever Ltd. 1.12%Asian Paints Ltd. 0.92%Kansai Nerolac Paints Ltd. 0.26%Finance 5.41%HDFC Ltd. 3.25%ICICI Lombard General Insurance Co. Ltd. 0.97%SBI Life Insurance Co. Ltd. 0.66%Equitas Holdings Ltd. 0.54%Gas 1.24%Petronet LNG Ltd. 1.24%Petroleum Products 3.05%Reliance Industries Ltd. 2.49%Indian Oil Corporation Ltd. 0.57%Pharmaceuticals 4.70%Cadila Healthcare Ltd. 2.01%

Aurobindo Pharma Ltd. 1.48%Sanofi India Ltd. 1.21%Power 1.09%Power Grid Corporation of India Ltd. 1.09%Software 10.37%Tata Consultancy Services Ltd. 4.69%Infosys Ltd. 3.76%Tech Mahindra Ltd. 1.05%Oracle Financial Services Software Ltd. 0.87%Transportation 2.89%Container Corporation of India Ltd. 2.31%Transport Corporation of India Ltd. 0.58%Equity Holdings Total 70.23%Corporate DebtNon-Convertible DebenturesExport Import Bank of India 4.54%Power Grid Corporation of India Ltd. 0.26%Power Finance Corporation Ltd. 0.24%NTPC Ltd. 0.01%Non-Convertible Debentures Total 5.05%Corporate Debt Total 5.05%Government Bond And Treasury BillGovernment Bond7.37% Govt of India Red 16-04-2023 7.57%6.79% Govt of India Red 26-12-2029 1.55%7.59% Govt of India Red 20-03-2029 1.50%7.35% Govt of India Red 22-06-2024 1.18%8.60% Govt of India Red 02-06-2028 0.80%6.68% Govt of India Red 17-09-2031 0.64%7.72% Govt of India Red 25-05-2025 0.58%7.88% Govt of India Red 19-03-2030 0.56%7.59% Govt of India Red 11-01-2026 0.26%6.97% Govt of India Red 06-09-2026 0.07%7.17% Govt of India Red 08-01-2028 0.02%8.15% Govt of India Red 24-11-2026 0.01%6.79% Govt of India Red 15-05-2027 0.00%Government Bond Total 14.75%Treasury Bill91 Days Tbill Red 14-12-2018 1.78%91 Days Tbill Red 21-12-2018 1.48%Treasury Bill Total 3.27%Government Bond And Treasury Bill Total 18.01%Cash & Other Receivables Total 6.71%Grand Total 100.00%

The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-

term growth opportunities by investing in a portfolio constituted of equity securities & equity related securities

and the secondary objective is to generate consistent returns by investing in debt and money market

securities. However there can be no assurance that the investment objective of the scheme will be achieved.



SCHEME PERFORMANCE


Scheme CRISIL Hybrid 35+65 - Aggressive Index*

CRISIL Hybrid 35+65 - Aggressive Index*

SchemeNifty 50** Nifty 50**

1 Year -8.27 3.89 7.82 9,173 10,389 10,782

3 Years 4.43 11.02 12.54 11,391 13,689 14,260

5 Years 8.25 13.07 13.37 14,868 18,496 18,742


PeriodCAGR (%) Value of lumpsum investment of 10,000/- ₹

invested on inception date

thAbove returns are as on 30 November. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option.

Mr. Yogesh Patil (equity portfolio) is managing the above scheme from 4th October 2018 & Mr. Marzban Irani (debt portfolio) is managing the above scheme from 10th August,

2016. Total no. of schemes managed by Mr. Yogesh Patil is 7 and by Mr. Marzban Irani is 11. Past performance may or may not be sustained in the future. Load is not taken into



performance of the scheme is benchmarked to the Total Return variant of the index.

Scheme Type: An open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier)


Fund Size:

AUM as on 30/11/2018: ₹ 14.39 Cr


Load Structure:Entry Load: NilExit Load: Nil

Lock-in Period:- Lock-in-period for at least 5

years or till the child attains age of majority

whichever is earlier on every Business Day.



Fund Manager:Name: Mr. (Equity) &Yogesh Patil Mr. Marzban Irani (Debt)Experience: years & 1 years respectively11+ 7+


Growth ₹ 16.1170 ₹ 17.0593

Expense Ratio: Regular: 2.74%; Direct: 1.69%

(for detailed bifurcation on TER, please see page no 30)


Risk Measures (Equity portion):Standard Deviation 3.20

1.06Portfolio Beta Sharpe Ratio 0.- 0803



28.72%

15.29%

13.08%

6.23%

6.08%

2.23%

2.11%

1.88%

1.44%

1.30%

1.11%

0.97%

Banks

Software


Auto

Petroleum Products

Transportation

Finance

Power

Construction

Pharmaceuticals

Cement

Gas

Equity Holdings

Auto 6.23%




Banks 28.72%



The Federal Bank Ltd. 4.60%





Cement 1.11%


Construction 1.44%

Prestige Estates Projects Ltd. 1.44%


Dabur India Ltd. 2.96%

Nestle India Ltd. 2.77%



ITC Ltd. 1.71%


Finance 2.11%

ICICI Lombard General Insurance Co. Ltd. 1.36%

SBI Life Insurance Co. Ltd. 0.74%

Gas 0.97%

Petronet LNG Ltd. 0.97%





Aurobindo Pharma Ltd. 1.30%

Power 1.88%


Software 15.29%


Infosys Ltd. 4.08%


HCL Technologies Ltd. 2.19%

Larsen & Toubro Infotech Ltd. 1.78%


Container Corporation of India Ltd. 2.23%


Mutual Fund/ETF

Mutual Fund 1.99%

LIC MF Savings Fund-DR PLN-GR 1.99%

Mutual Fund Holding Total/ETF 1.99%


Grand Total 100.00%

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.

thAbove returns are as on 30 November, 2018. Past performance may or may not be sustained in the future. # Crisil Hybrid 35 + 65 - Aggressive Index, ## Nifty 50 Index.

Assuming ₹ 10,000/- invested systematically on the 15th Business Day of every month over a period of time. CAGR returns are computed after accounting for the cash by using

XIRR method (investment internal rate of return) for Regular Plan - Dividend re-investment Option. Load is not taken into consideration for computation of performance. The

above investment simulation is for illustrative purpose only and should not be construed as a promise on minimum returns and safeguard of capital. The Mutual Fund is not

guaranteeing or promising or forecasting any returns. NA: Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index. * Scheme

data & TRI value of the Index are not available for since inception, hence performance for such period is not available.

76.73%

9.35%

3.05%

10.87%

Up to 365 days

>365 days

Equity Instruments




NA

NA

NA

NA


Returns (CAGR) (%) 0.88 8.66 8.15 8.81



2.84

4.13

9.95

12.85

10.43

11.27

11.29

12.01



SCHEME PERFORMANCE

SIP PERFORMANCE

MATURITY PROFILE (% of NAV)



Scheme CRISIL Hybrid 35+65 - Aggressive Index* CRISIL Hybrid 35+65 - Aggressive Index*SchemeNifty 50** Nifty 50**

1 Year 2.92 3.89 7.82 10,292 10,389 10,782

3 Years 8.13 11.02 12.54 12,646 13,689 14,260

5 Years 10.59 13.07 13.37 16,549 18,496 18,742

Since Inception 9.49 NA NA 1,44,626 NA NA

PeriodCAGR (%)


thAbove returns are as on 30 November, 2018. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Dividend

Re-investment option. Mr. Sachin Relekar (equity portfolio) is managing the above scheme from 5th March 2015 & Mr. Marzban Irani (debt portfolio) is managing the above

scheme from 10th August, 2016. Total no. of schemes managed by Mr. Sachin Relekar is 11 and by Mr. Marzban Irani is 11. Past performance may or may not be sustained in the

future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the scheme was

launched before the launch of the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional Benchmark. NA

: Not Available. NA : Not Available. The performance of the scheme is benchmarked to the Total Return variant of the index.

Scheme Type: An open-ended insurance linked tax saving scheme

Date of Allotment: June 19, 1989

Fund Size:

AUM as on 30/11/2018: ₹ 266.43 Cr



Liquidity: Repurchase after lock-in period of 3 years from the date of Investment.


Minimum Investment:

₹10,000/- under Single Premium Option,

₹10,000/-under Regular Premium-Yearly Option,

₹3,000/-under Regular Premium-Quarterly

Option

₹1,000/-under Regular Premium-Monthly Option

Fund Manager:Name: Mr. Sachin Relekar (Equity) & Mr. Marzban Irani (Debt)Experience: years & 1 years respectively13+ 7+


Dividend ₹ 17.8708 ₹ 18.6931 Expense Ratio:

Regular: 2.58%; Direct: 1.50%(for detailed bifurcation on TER, please see page no 30)


Risk Measures:Standard Deviation 34 3.Portfolio Beta 1.16Sharpe Ratio 0.0083


20.10%

10.78%

6.12%

6.05%

4.83%

4.82%

4.35%

3.54%

3.31%

1.88%

1.82%

1.58%

1.51%

1.48%

1.01%

0.97%

0.79%

0.78%

0.67%

0.32%

0.00%

Banks

Finance

Chemicals

Auto


Petroleum Products

Auto Ancillaries

Software


Pharmaceuticals

Retailing

Industrial Products

Construction



Consumer Durables

Ferrous Metals

Power

Transportation

Textile Products

Telecom - Services

Equity HoldingsAuto 6.05%Maruti Suzuki India Ltd. 3.08%Mahindra & Mahindra Ltd. 2.97%Auto Ancillaries 4.35%Exide Industries Ltd. 1.66%Balkrishna Industries Ltd. 1.47%Jamna Auto Industries Ltd. 0.79%Tube Investments Of India Ltd. 0.44%

Banks 20.10%HDFC Bank Ltd. 9.27%ICICI Bank Ltd. 4.13%Kotak Mahindra Bank Ltd. 3.01%City Union Bank Ltd. 2.26%State Bank of India 1.44%

Chemicals 6.12%Vinati Organics Ltd. 3.84%Tata Chemicals Ltd. 2.28%

Construction 1.51%Brigade Enterprises Ltd. 1.51%

Consumer Durables 0.97%Bajaj Electricals Ltd. 0.97%

Consumer Non Durables 4.83%Britannia Industries Ltd. 2.14%Hindustan Unilever Ltd. 1.68%Procter & Gamble Hygiene&HealthCare Ltd. 1.01%

Ferrous Metals 0.79%Tata Steel Ltd. 0.78%Tata Steel Ltd.- Partly Paid 0.01%

Finance 10.78%Bajaj Finance Ltd. 4.25%Bajaj Finserv Ltd. 3.37%TI Financial Holdings Ltd. 1.53%L&T Finance Holdings Ltd. 0.97%Max Financial Services Ltd. 0.61%HDFC Asset Management Company Ltd. 0.02%Motilal Oswal Financial Services Ltd. 0.02%Industrial Products 1.58%Supreme Industries Ltd. 1.58%

Media & Entertainment 1.01%Zee Entertainment Enterprises Ltd. 1.01%Non - Ferrous Metals 1.48%Hindalco Industries Ltd. 1.48%Petroleum Products 4.82%Reliance Industries Ltd. 4.82%Pharmaceuticals 1.88%Piramal Enterprises Ltd. 1.17%Suven Life Sciences Ltd. 0.50%Sanofi India Ltd. 0.21%Power 0.78%Tata Power Company Ltd. 0.78%Retailing 1.82%Avenue Supermarts Ltd. 1.82%Software 3.54%Tata Consultancy Services Ltd. 2.64%Infosys Ltd. 0.90%

Telecom - Equipment & Accessories 3.31%Sterlite Technologies Ltd. 3.31%

Telecom - Services 0.00%Bharti Airtel Ltd. 0.00%Textile Products 0.32%K.P.R. Mill Ltd. 0.32%Transportation 0.67%InterGlobe Aviation Ltd. 0.67%Equity Holdings Total 76.73%Corporate DebtNon-Convertible DebenturesPower Grid Corporation of India Ltd. 3.05%Blue Dart Express Ltd. 0.00%Non-Convertible Debentures Total 3.05%Corporate Debt Total 3.05%Government Bond & Treasury BillTreasury Bill182 Days TBill Red 20-12-2018 9.35%Treasury Bill Total 9.35%

Government Bond & Treasury Bill Total 9.35%Cash & Other Receivables Total 10.87%Grand Total 100.00%

The primary objective of the scheme is to generate credit risk free and reasonable returns for its investors

through investments in sovereign securities issued by the central and /or state Government and/or any

security unconditionally guaranteed by the central/ state government for repayment of Principal and interest

and/or reverse repos in such securities as and when permitted by RBI. However, there is no assurance that

the investment objective of the Schemes will be realized.



Quarterly (Regular) 10.0000 0.1500

10.0000 0.1500

December 28, 2017

September 29, 2017

June 29, 2017

March 27, 2018

December 28, 2017

September 29, 2017

10.0000 10.4179

10.8006

10.9665

0.1500

Quarterly (Direct) 10.0000 0.1500

10.0000 0.1500

10.0000 10.9575

10.9013

11.2701

0.1500

Quarterly (PF) December 27, 2012 10.0000 11.1882 0.2500

March 28, 2013 10.0000 10.1606 1.0000

June 26, 2013 10.0000 10.0868 0.3000

98.49%

1.51%

>365 days


98.49%

1.51%

Sovereign




SCHEME PERFORMANCE

DIVIDEND HISTORY


RATING PROFILE (% of NAV)

Scheme I-Sec Composite Index*

Crisil 10 yr Gilt Index**

Crisil 10 yr Gilt Index**

Scheme I-Sec Composite Index*

1 Year 4.70 2.52 10,470 10,252

3 Years 6.78 6.34 12,179 12,028

5 Years 8.22 7.88 14,847 14,617

Since Inception 7.34 NA

9.42

8.08

5.85

NA 38,399 NA

15,692

12,629

10,585

NA

PeriodCAGR (%)



option. Mr. Marzban Irani is managing the above scheme from 10th August, 2016 and total no. of schemes managed by him is 11. Past performance may or may not be

sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the

scheme was launched before the launch of the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional

Benchmark. NA : Not Available.


Scheme Type: An open ended debt scheme investing in government securities across maturity.


Fund Size:

AUM as on 30/11/2018: ₹ 33.32 Cr



Exit Load: 0.25% if exit within 30 days from date of

allotment of units

Benchmark: I-Sec Composite Index



Expense Ratio:Regular: 1.42%; Direct: 0.49%(for detailed bifurcation on TER, please see page no 30)


NAV as on , 2018:November 30

NAV Regular Plan Direct Plan PF

Growth ₹ 38.3996 ₹ 40.3110 ₹ 22.1782

Dividend ₹ 11.0687 ₹ 11.6248 ₹ 14.3514


Government Bond

7.37% Govt of India Red 16-04-2023

7.17% Govt of India Red 08-01-2028

SOV

SOV

91.20%

7.29%


Government Bond and Treasury Bill Total 98.49%


Grand Total 100.00%


The investment objective of the Scheme is to generate regular income by investing mainly in a portfolio of

quality debt securities and money market instruments. It also seeks to generate capital appreciation by

investing some percentage in a mix of equity instruments. However, there is no assurance that the

investment objective of the Schemes will be realized.

The Dhanvarsha - 12 Scheme has been converted into an open-ended monthly income plan w.e.f. 1/6/03.


Yearly 10.0000March 24, 2015

10.0000

11.1727 0.9000

March 27, 2018

April 28, 2017

10.0000 11.2243

11.3750

0.6000

0.6000

Yearly Direct 10.0000 0.9000March 24, 2015

10.0000

11.3145

0.6000

March 27, 2018

April 28, 2017

10.0000 11.6343

11.7005

0.6000

Monthly 10.0000

10.0000

September 4, 2018

July 30, 2018

May 28, 2018

10.0000 10.4956

10.4536

10.3356

0.0500

0.0200

0.0500

Monthly Direct 10.0000

10.0000

10.0000

November 29, 2018

September 28, 2018

September 4, 2018

10.5043

10.4700

10.6474

0.0500

0.0500

0.0500

Quarterly 10.0000

June 28, 2018

March 27, 2018

Dec 28, 2017

10.0000

10.0000

10.3585

10.5986

10.8000

0.1500

0.1500

0.1500

Quarterly Direct 10.0000

June 28, 2018

March 27, 2018

Dec 28, 2017

10.0000

10.0000

10.8458

11.0687

11.2582

0.1500

0.1500

0.1500

36.41%

41.00%

18.70%

3.90%

Up to 365 days

>365 days

Equity Instruments




SCHEME PERFORMANCE



DIVIDEND HISTORY


Scheme CRISIL Hybrid 85+15-Conservative Index*

CRISIL Hybrid 85+15-Conservative Index*

CRISIL 10 year Gilt Index**

CRISIL 10 year Gilt Index**Scheme

1 Year 1.29 3.88 2.52 10,129 10,388 10,252

3 Years 5.72 8.31 6.34 11,819 12,709 12,028

5 Years 6.68 10.00 7.88 13,825 16,111 14,617

Since Inception 8.41 NA NA 52,424 NA NA

Period

CAGR (%) Value of lumpsum investment of 10,000/- ₹invested on inception date


option. Mr. Yogesh Patil (equity portfolio) is managing the scheme from 4th October 2018 & Mr. Marzban Irani (debt portfolio) is managing the scheme from 10th August, 2016.

Total no. of schemes managed by Mr. Yogesh Patil is 7 and by Mr. Marzban Irani is 11. Past performance may or may not be sustained in the future. Load is not taken into



performance of the scheme is benchmarked to the Total Return variant of the index.

50.91%

26.50%

18.70%

3.90%

AAA/A1+ and Equivalent

Sovereign

Equity Instruments



Scheme Type: An open ended hybrid scheme investing predominantly In debt instruments


Fund Size:

AUM as on 30/11/2018: ₹ 81.85 Cr


Benchmark: Crisil Hybrid 85 + 15 - Conservative Index


Fund Manager:Name: Mr. Marzban Irani (Debt) & Mr. Yogesh Patil (Equity); Experience: 17+ years & 11+ years respectively




NAV Regular Plan Direct Plan

Growth ₹ 52.4236 ₹ 54.7391

Monthly Dividend ₹ 10.4492 ₹ 10.5182

Quarterly Dividend ₹ 10.5941 ₹ 11.1237

Yearly Dividend ₹ 11.3820 ₹ 11.8562

21


Exit Load





Equity Holdings

Auto 0.98%


Banks 4.79%





ITC Ltd. 0.96%

Gas 1.01%

Petronet LNG Ltd. 1.01%




Aurobindo Pharma Ltd. 1.55%


Divi's Laboratories Ltd. 0.83%


Software 5.79%


Infosys Ltd. 2.89%


Corporate Debt

Non-Convertible Debentures

Housing & Urban Development Corp Ltd. 6.04%

REC Ltd. 6.03%


NTPC Ltd. 1.24%

Non-Convertible Debentures Total 19.31%

Corporate Debt Total 19.31%

Money Market Instruments

Certificate of Deposit


Certificate of Deposit Total 7.19%

Money Market Instruments Total 7.19%


Government Bond

7.37% Govt of India Red 16-04-2023 20.69%

8.30% Govt of India Red 02-07-2040 0.77%

7.59% Govt of India Red 11-01-2026 0.15%

8.15% Govt of India Red 24-11-2026 0.08%


Treasury Bill

91 Days TBill Red 21-12-2018 24.35%

91 Days TBill Red 14-12-2018 4.88%

Treasury Bill Total 29.22%



Grand Total 100.00%

LIC MF Bond fund is an open-ended debt scheme which will endeavor to generate an attractive return for its

investors by investing in a portfolio is between 4 years and 7 years. However, there is no assurance that the

investment objective of the Schemes will be realized.


Regular 10.0000 0.2000

10.0000 0.2000

March 27, 2018

December 28, 2017

September 29, 2017

10.0000 10.1018

10.1514

10.4690

0.1700

Direct June 29, 2016 10.0000 10.5374 0.2000

September 28, 2016 10.0000 10.9559 0.2000

January 3, 2017 10.0000 11.0619 0.2000


96.78%

3.22%

>365 days


50.19%

46.59%

3.22%

AAA / A1+ and Equivalent

Sovereign




SCHEME PERFORMANCE

DIVIDEND HISTORY



SchemeCRISIL Composite Bond Fund Index*

CRISIL 10 year Gilt Index**

CRISIL 10 year Gilt Index**Scheme

CRISIL Composite Bond Fund Index*

1 Year 3.00 3.77 2.52 10,300 10,377 10,252

3 Years 5.95 7.41 6.34 11,894 12,395 12,028

5 Years 7.23 8.99 7.88 14,185 15,386 14,617

Since Inception 8.32 NA NA 47,302 NA NA

PeriodCAGR (%)

Value of lumpsum investment of 10,000/- invested ₹on inception date



sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the

scheme was launched before the launch of the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional

Benchmark. NA : Not Available.


Scheme Type: An open ended medium term debt scheme investing in instruments with Macaulay Duration of the portfolio is between 4 years and 7 years (please refer page no 25 of SID)

Date of Allotment: June 23,1999

Fund Size:

AUM as on 30/11/2018: ₹ 286.48 Cr



Exit Load: 1% if redeemed or switched out on or

before completion of 1 year from the date of

allotment of units.

Benchmark: Crisil Composite Bond Fund Index







Growth ₹ 47.3026 ₹ 48.7526

Dividend ₹ 10.3684 ₹ 11.7830


Corporate Debt


L&T Infra Debt Fund Ltd. CRISIL AAA 8.70%

India Infradebt Ltd. ICRA AAA 8.64%

NABARD CRISIL AAA 7.03%

Indian Railway Finance Corporation Ltd. CRISIL AAA 6.79%

NTPC Ltd. CRISIL AAA 5.35%

State Bank of India CRISIL AAA 3.49%

Bharat Petroleum Corporation Ltd. CRISIL AAA 3.42%

National Highways Authority of India CRISIL AAA 3.39%

State Bank of India ICRA AAA 1.71%

Power Finance Corporation Ltd. CRISIL AAA 1.66%



Government Bond And Treasury BillGovernment Bond












State Government Bond

7.51% Maharashtra Sdl Red 24-05-2027 SOV 8.30%

7.98% Gujarat Sd Red 11-05-2026 SOV 0.18%

State Government Bond Total 8.48%



Grand Total 100.00%

The primary investment objective of the Scheme is to seek to generate income and capital appreciation by primarily investing in a portfolio of high quality debt and money market securities that are issued by banks, public sector undertakings, public financial institutions and Municipal Bonds. There is no assurance that the investment objective of the Scheme will be realized.


Daily *

November,2018

October,2018

September,2018

0.1120

0.0761

0.0058

Daily Direct *

November,2018

October,2018

September,2018

0.0858

0.0717

0.0426

Weekly * August,2018

November,2018

October,2018

0.0531

0.0885

0.0798

Weekly Direct *

November,2018

October,2018

August,2018

0.0919

0.0886

0.0572

Monthly

November 29, 2018

October 26, 2018

September 28, 2018

10.0000

10.0000

10.0000

10.1000

10.1000

10.1000

0.1160

0.0667

0.0168

Monthly Direct

November 29, 2018

October 26, 2018

September 28, 2018

10.0000

10.0000

10.0000

10.2160

10.2160

10.2160

0.1217

0.0712

0.0202

61.30%

18.82%

11.26%

8.63%Cash & Other Receivables

> 365 Days

> 91 days up to 365 Days

Up to 91 days

91.37%

8.63%

AAA/ A1+ and Equivalent




SCHEME PERFORMANCE

DIVIDEND HISTORY



SchemeCRISIL Short TermBond Fund Index*

CRISIL Short TermBond Fund Index*

CRISIL 1 year T-Bill Index**

CRISIL 1 year T-Bill Index**

Scheme

1 Year 6.32 5.64 6.44 10,632 10,564 10,644

3 Years 6.92 7.36 6.56 12,226 12,378 12,103

5 Years 6.88 8.28 7.31 13,950 14,888 14,232

Since Inception 7.39 7.98 6.42 22,718 24,188 20,472

PeriodCAGR (%)




sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. *

Benchmark, ** Additional Benchmark.

* Dividend under Daily and Weekly Plan are cumulative dividend declared during the month. After payment of the dividend, the per Unit NAV falls to the extent of the payout and statutory levy (if applicable). There is no guarantee or assurance to the unitholders as to the rate/quantum of neither dividend distribution nor that the dividends be paid regularly. For complete dividend history please visit www.licmf.com.


Scheme Type: An open ended debt scheme predominantly investing in debt instruments of banks, public sector undertakings, public financial institutions and municipal bonds.

Date of Allotment: May 31, 2007

Fund Size:

AUM as on 30/11/2018: ₹ 176.89 Cr



Benchmark: CRISIL Short Term Bond Fund Index


Fund Manager:Name: Mr. Marzban Irani Experience: 17+ years





Growth ₹ 22.7181 ₹ 23.6571

Daily Dividend ₹ 10.1000 ₹ 10.2282

Weekly Dividend ₹ 10.1260 ₹ 10.1264

Monthly Dividend ₹ 10.1062 ₹ 10.2223


Corporate Debt


Export Import Bank of India CRISIL AAA 8.60%

State Bank of India CRISIL AAA 8.48%

Bharat Petroleum Corporation Ltd. CRISIL AAA 8.30%

National Highways Authority of India CRISIL AAA 8.24%

REC Ltd. CRISIL AAA 5.62%

Housing & Urban Development Corp Ltd. ICRA AAA 5.59%

Dewan Housing Finance Corporation Ltd. CARE AAA 5.57%

Power Finance Corporation Ltd. CRISIL AAA 5.56%

Indiabulls Housing Finance Ltd. CARE AAA 5.50%

NTPC Ltd. CRISIL AAA 4.34%

Indian Railway Finance Corporation Ltd. CRISIL AAA 2.75%

Power Grid Corporation of India Ltd. CRISIL AAA 1.15%

Tata Capital Housing Finance Ltd. CRISIL AAA 0.06%



Money Market InstrumentsCertificate of Deposit

HDFC Bank Ltd. CARE A1+ 7.76%

Indian Bank FITCH A1+ 5.63%

Small Industries Development Bank of India CRISIL A1+ 5.43%


Commercial PaperIndian Railway Finance Corporation Ltd. CRISIL A1+ 2.80%

Commercial Paper Total 2.80%



Grand Total 100.00%

The investment objective of the Scheme is to generate income by investing in a portfolio of quality short term debt securities. However, there is no assurance that the investment objective of the Schemes will be realized.


Daily *

November,2018

October,2018

September,2018

0.0783

0.0655

0.0267

Daily Direct *

November,2018

October,2018

September,2018

0.0809

0.0686

0.0297

Weekly *

November,2018

October,2018

September,2018

0.0572

0.0696

0.0587

Weekly Direct *

November,2018

October,2018

September,2018

0.0592

0.0811

0.0618

Monthly 10.0000

November 29, 2018

October 26, 2018

September 28, 2018

10.0000

10.0000

10.1678

10.1495

10.1430

0.0658

0.0497

0.0478

Monthly Direct July 24, 2013 10.0000 10.0500 0.0025

August 27, 2013 10.0000 10.1434 0.0913

September 1, 2013 10.0000 10.0631 0.1319

67.84%

21.76%

8.00%

2.40%

Up to 91 days

> 365 Days

> 91 days up to 365 Days




SCHEME PERFORMANCE



DIVIDEND HISTORY

77.80%

16.25%

3.55%

2.40%


AA+/AA

A+/A/A-/A1


SchemeCRISIL Low

Duration Debt Index*CRISIL Low

Duration Debt Index*CRISIL 1 Year T-Bill Index**

CRISIL 1 Year T-Bill Index**

Scheme

1 Year 6.73 7.12 6.44 10,673 10,712 10,644

3 Years 7.23 7.75 6.56 12,334 12,511 12,103

5 Years 7.61 8.46 7.31 14,437 15,018 14,232

Since Inception 6.81 7.28 5.96 27,757 29,679 24,516

PeriodCAGR (%)



option. Mr. Rahul Singh is managing the above scheme from 7th September, 2015 and total no. of schemes managed by him is 2. Past performance may or may not be

sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns.

*Benchmark, **Additional Benchmark.


Scheme Type: An open ended low duration debt scheme investing in instruments with Macaulay Duration of the portfolio is between 6 months and 12 months (please refer page no 24 of SID)


Fund Size:

AUM as on 30/11/2018: ₹ 1405.48 Cr:Average AUM for November 2018

₹ 1616.62 Cr


Benchmark: CRISIL Low Duration Debt Index


Fund Manager:Name: Mr. Rahul Singh

12+ yearsExperience:


Portfolio Metrics:Average Maturity 210 daysMacaulay Duration 207 daysYTM 8.86 %



Growth ₹ 27.7572 ₹ 28.9613

Daily Dividend ₹ 10.1611 ₹ 10.1000

Weekly Dividend ₹ 10.2562 ₹ 10.5161

Monthly Dividend ₹ 10.1716 ₹ 15. 1375


Corporate DebtNon-Convertible DebenturesCholamandalam Investment & Finance Company Ltd. ICRA AA+ 8.79%Dewan Housing Finance Corporation Ltd. CARE AAA 6.70%Piramal Enterprises Ltd. ICRA AA 5.69%L&T Housing Finance Ltd. ICRA AAA 3.83%Aspire Home Finance Corporation Ltd. ICRA A+ 3.55%L&T Infrastructure Finance Co. Ltd. CARE AAA 3.47%Small Industries Development Bank of India CARE AAA 1.78%Reliance Jio Infocomm Ltd. CRISIL AAA 1.77%Power Finance Corporation Ltd. CRISIL AAA 1.77%Capital First Ltd. CARE AA+ 1.06%Sundaram BNP Paribas Home Finance Ltd. CARE AA+ 0.71%Indiabulls Housing Finance Ltd. CARE AAA 0.69%Sundaram Finance Ltd. ICRA AAA 0.36%Non-Convertible Debentures Total 40.18%


Money Market InstrumentsCertificate of DepositAxis Bank Ltd. CRISIL A1+ 5.22%NABARD CRISIL A1+ 4.93%Kotak Mahindra Bank Ltd. CRISIL A1+ 3.48%IndusInd Bank Ltd. CRISIL A1+ 3.47%Export Import Bank of India CRISIL AAA 3.29%Small Industries Development Bank of India CRISIL A1+ 3.29%HDFC Bank Ltd. CARE A1+ 0.35%Certificate of Deposit Total 24.04%

Commercial PaperShapoorji Pallonji and Company Pvt. Ltd. CARE A1+ 9.52%Capital First Ltd. ICRA A1+ 8.26%Power Grid Corporation of India Ltd. ICRA A1+ 7.01%Edelweiss Commodities Services Ltd. CRISIL A1+ 5.23%Dewan Housing Finance Corporation Ltd. CARE A1+ 3.37%Commercial Paper Total 33.38%



Grand Total 100.00%


An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through

judicious mix of investment in money market instruments and quality debt instruments. However, there is no

assurance that the investment objective of the Schemes will be realized.


Daily *

November,2018

October,2018

September,2018

6.7840

6.6565

6.1750

Daily Direct *

November,2018

October,2018

September,2018

6.9102

6.7871

6.3014

74.90%

13.40%

11.71%

Up to 60 days

> 60 Days




SCHEME PERFORMANCE

DIVIDEND HISTORY



87.47%

7.88%


Sovereign


4.65%

SchemeCRISIL Liquid Fund Index*

CRISIL Liquid Fund Index*



Scheme

1 Year 7.23 7.45 6.44 10,723 10,745 10,644

3 Years 7.17 7.23 6.56 12,312 12,333 12,103

5 Years 7.80 7.85 7.31 14,565 14,600 14,232

Since Inception 7.38 NA 6.00 32,878 NA 26,466

PeriodCAGR (%)



option. Mr. Rahul Singh is managing the above scheme from 5th October, 2015 and total no. of schemes managed by him is 2. Past performance may or may not be sustained in

the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. As the scheme was

launched before the launch of the benchmark index, benchmark index figures since inception or the required period are not available. * Benchmark, ** Additional Benchmark. NA

: Not Available.


Scheme Type: An open-ended liquid scheme


Fund Size:

AUM as on 30/11/2018: ₹ 9,004.76 Cr:Average AUM for November 2018

₹ 8,201.66 Cr


Benchmark: Crisil Liquid Fund Index


Fund Manager:Name: Mr. Rahul Singh

12+ yearsExperience:


Portfolio Metrics:Average Maturity 36 daysMacaulay Duration 36 daysYTM 7.48 %



Growth ₹ 3287.8267 ₹ 3307.4183

Dividend ₹ 1098.0000 ₹ 1098.0000




Axis Bank Ltd. CRISIL A1+ 5.59%


IndusInd Bank Ltd. CRISIL A1+ 3.30%

Vijaya Bank CARE A1+ 2.20%


IDFC Bank Ltd. ICRA A1+ 1.16%

RBL Bank Ltd. ICRA A1+ 1.11%

Canara Bank CRISIL A1+ 1.09%


Commercial Paper

NABARD CRISIL A1+ 5.11%

Capital First Ltd. ICRA A1+ 4.39%

Edelweiss Commodities Services Ltd. CRISIL A1+ 3.56%

Nabha Power Ltd. CRISIL A1+ 3.31%

Power Finance Corporation Ltd. CRISIL A1+ 3.30%

PNB Housing Finance Ltd. CRISIL A1+ 3.29%

HDFC Ltd. CRISIL A1+ 3.25%

Reliance Jio Infocomm Ltd. CRISIL A1+ 2.94%

Deepak Fertilizers & Petrochem Corp Ltd. ICRA A1+ 2.75%

Indian Railway Finance Corporation Ltd. CRISIL A1+ 2.69%

Steel Authority of India Ltd. CARE A1+ 2.22%

SBI Cards & Payment Services Pvt. Ltd. CRISIL A1+ 2.21%

REC LIMITED CRISIL A1+ 2.20%

Piramal Enterprises Ltd. CRISIL A1+ 2.20%

Reliance Industries Ltd. CRISIL A1+ 2.20%

NTPC Ltd. ICRA A1+ 2.19%

IIFL Wealth Finance Ltd. CRISIL A1+ 2.19%

L&T Housing Finance Ltd. ICRA A1+ 2.11%

Coromandel International Ltd. CRISIL A1+ 1.66%

Bajaj Finance Ltd. CRISIL A1+ 1.11%

TVS Credit Services Ltd. CRISIL A1+ 1.11%

Edelweiss Commodities Services Ltd. ICRA A1+ 1.11%

L & T Finance Ltd. ICRA A1+ 1.11%

Axis Finance Ltd. CRISIL A1+ 1.10%

Aditya Birla Finance Ltd. ICRA A1+ 1.10%

Trapti Trading & Investment Pvt Ltd. ICRA A1+ 1.10%

Tata Motors Ltd. CRISIL A1+ 1.10%

Tata Capital Financial Services Ltd. CRISIL A1+ 1.10%

Reliance Retail Ltd. CRISIL A1+ 1.00%

Raymond Ltd. CRISIL A1+ 0.99%

HT Media Ltd. CRISIL A1+ 0.66%

Mahindra & Mahindra Fin Services Ltd CRISIL A1+ 0.55%

TGS Investment & Trade Pvt Ltd. ICRA A1+ 0.28%

Larsen & Toubro Ltd. CRISIL A1+ 0.06%



Government Bond & Treasury Bill

Treasury Bill

91 Days TBill Red 21-12-2018 SOV 2.49%



Government Bond & Treasury Bill Total 4.65%


Grand Total 100.00%



Axis Bank Ltd. CRISIL A1+ 5.59%


IndusInd Bank Ltd. CRISIL A1+ 3.30%

Vijaya Bank CARE A1+ 2.20%


IDFC Bank Ltd. ICRA A1+ 1.16%

RBL Bank Ltd. ICRA A1+ 1.11%

Canara Bank CRISIL A1+ 1.09%


Commercial Paper

NABARD CRISIL A1+ 5.11%

Capital First Ltd. ICRA A1+ 4.39%

Edelweiss Commodities Services Ltd. CRISIL A1+ 3.56%

Nabha Power Ltd. CRISIL A1+ 3.31%

Power Finance Corporation Ltd. CRISIL A1+ 3.30%

PNB Housing Finance Ltd. CRISIL A1+ 3.29%

HDFC Ltd. CRISIL A1+ 3.25%

Reliance Jio Infocomm Ltd. CRISIL A1+ 2.94%

Deepak Fertilizers & Petrochem Corp Ltd. ICRA A1+ 2.75%

Indian Railway Finance Corporation Ltd. CRISIL A1+ 2.69%

Steel Authority of India Ltd. CARE A1+ 2.22%

SBI Cards & Payment Services Pvt. Ltd. CRISIL A1+ 2.21%

REC LIMITED CRISIL A1+ 2.20%

Piramal Enterprises Ltd. CRISIL A1+ 2.20%

Reliance Industries Ltd. CRISIL A1+ 2.20%

NTPC Ltd. ICRA A1+ 2.19%

IIFL Wealth Finance Ltd. CRISIL A1+ 2.19%

L&T Housing Finance Ltd. ICRA A1+ 2.11%

Coromandel International Ltd. CRISIL A1+ 1.66%

Bajaj Finance Ltd. CRISIL A1+ 1.11%

TVS Credit Services Ltd. CRISIL A1+ 1.11%

Edelweiss Commodities Services Ltd. ICRA A1+ 1.11%

L & T Finance Ltd. ICRA A1+ 1.11%

Axis Finance Ltd. CRISIL A1+ 1.10%

Aditya Birla Finance Ltd. ICRA A1+ 1.10%

Trapti Trading & Investment Pvt Ltd. ICRA A1+ 1.10%

Tata Motors Ltd. CRISIL A1+ 1.10%

Tata Capital Financial Services Ltd. CRISIL A1+ 1.10%

Reliance Retail Ltd. CRISIL A1+ 1.00%

Raymond Ltd. CRISIL A1+ 0.99%

HT Media Ltd. CRISIL A1+ 0.66%

Mahindra & Mahindra Financial Services Ltd CRISIL A1+ 0.55%

TGS Investment & Trade Pvt Ltd. ICRA A1+ 0.28%

Larsen & Toubro Ltd. CRISIL A1+ 0.06%




Treasury Bill






Grand Total 100.00%


Comparative Performance Of Open Ended Schemes th(as on 30 November, 2018)

Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. Different plans shall have a

different expense structure. The performance details provided herein are of Regular plan - Dividend Re-investment option for LIC MF ULIS & Regular Plan - Growth option for others schemes . Since respective schemes have not completed

relevant period (1yr, 3yr or 5yr) after allotment or units were not available throughout the respective period, no returns are available. In case, the start/end date of the concerned period is a nonbusiness date, the NAV of the previous date is

considered for computation of returns. The performance of the scheme is benchmarked to the Total Return variant of the index. As the scheme was launched before the launch of the benchmark index, benchmark index figures since

inception or the required period are not available. NA : Not Available. # Benchmark. ## Additional Benchmark.

1 Year 3 Years 5 Years Since Inception

LIC MF Multi Cap Fund -6.31 4.96 6.009.74

Nifty 500 Index # 0.74 12.24 NA15.12

NIFTY 50 ## 7.82 12.54 12.6813.37

LIC MF Banking & Financial Services Fund -20.68 NA3.65 0.14

Nifty Financial Services Index # 11.49 NA18.22 13.58

NIFTY 50 ## 7.82 NA12.54 8.89

LIC MF Index Fund - Sensex Plan 8.90 11.02 13.3211.29

S&P BSE Sensex # 10.52 12.93 17.5113.27

NIFTY 50 ## 7.82 12.54 17.3913.37

LIC MF Index Fund - Nifty Plan 5.81 10.71 12.5111.69

NIFTY 50 Index # 7.82 12.54 17.3913.37

S&P BSE Sensex ## 10.52 12.93 17.5113.27

LIC MF Equity Hybrid Fund -3.37 5.86 8.458.81

CRISIL Hybrid 35+65 - Aggressive Index # 3.89 11.02 NA13.07

NIFTY 50 ## 7.82 12.54 14.4113.37

LIC MF Debt Hybrid Fund 1.29 5.72 8.416.68

CRISIL Hybrid 85+15 - Conservative Index # 3.88 8.31 NA10.00

CRISIL 10 year Gilt Index ## 2.52 6.34 NA7.88

LIC MF Children's Gift Fund -8.27 4.43 2.848.25


NIFTY 50 ## 7.82 12.54 16.5913.37

LIC MF G-Sec Long Term Exchange Traded Fund 3.90 7.08 7.26NA

Nifty 8-13 yr G-Sec Index # 4.28 7.43 7.59NA

CRISIL 10 year Gilt Index ## 2.52 6.34 6.71NA

LIC MF Equity Hybrid Fund -3.37 5.86 8.458.81


NIFTY 50 ## 7.82 12.54 14.4113.37

LIC MF Unit Linked Insurance Scheme 2.92 8.13 9.4910.59


NIFTY 50 ## 7.82 12.54 NA13.37

LIC MF Government Securities Fund 4.70 6.78 7.348.22

I-Sec Composite Index # 5.85 8.08 NA9.42


LIC MF Debt Hybrid Fund 1.29 5.72 8.416.68

CRISIL Hybrid 85+15 - Conservative Index # 3.88 8.31 NA10.00


LIC MF Bond Fund 3.00 5.95 8.327.23

CRISIL Composite Bond Fund Index # 3.77 7.41 NA8.99


LIC MF Children's Gift Fund -8.27 4.43 2.848.25


NIFTY 50 ## 7.82 12.54 16.5913.37

LIC MF Banking & PSU Debt Fund 6.32 6.92 7.396.88

CRISIL Short Term Bond Fund Index # 5.64 7.36 7.988.28

CRISIL 1 Year T-Bill Index ## 6.44 6.56 6.427.31

LIC MF Large Cap Fund 2.39 8.68 3.8812.70

Nifty 100 Index # 5.56 12.76 NA14.27

NIFTY 50 ## 7.82 12.54 10.1413.37

LIC MF Large & Mid Cap Fund -2.45 14.28 9.88NA

Nifty LargeMidcap 250 Index # -2.08 12.89 9.60NA

NIFTY 50 ## 7.82 12.54 7.31NA

LIC MF Infrastructure Fund -12.33 4.86 2.6210.69

Nifty Infrastructure Index # -10.52 5.24 -1.316.44

NIFTY 50 ## 7.82 12.54 9.6713.37

LIC MF Tax Plan 2.29 11.04 8.9415.46

Nifty 500 Index # 0.74 12.24 14.7615.12

NIFTY 50 ## 7.82 12.54 13.2013.37

LIC MF Exchange Traded Fund - Nifty 50 7.70 12.40 12.52NA

NIFTY 50 Index # 7.82 12.54 12.79NA

S&P BSE Sensex ## 10.52 12.93 13.20NA

LIC MF Exchange Traded Fund - Sensex 10.53 NA 12.86NA

S&P BSE Sensex # 10.52 NA 12.93NA

NIFTY 50 ## 7.82 NA 12.54NA

LIC MF Exchange Traded Fund - Nifty 100 5.33 NA 16.20NA

NIFTY 100 Index # 5.56 NA 16.61NA

NIFTY 50 ## 7.82 NA 16.24NA

LIC MF Unit Linked Insurance Scheme 2.92 8.13 9.4910.59

Crisil Hybrid 35 + 65 - Aggressive Index # 3.89 11.02 NA13.07

NIFTY 50 ## 7.82 12.54 NA13.37

LIC MF Savings Fund 6.73 7.23 6.817.61

CRISIL Low Duration Debt Index # 7.12 7.75 7.288.46


LIC MF Liquid Fund 7.23 7.17 7.387.80

Crisil Liquid Fund Index # 7.45 7.23 NA7.85


October 5, 2015

CAGR (%)

March 5, 2015

November 20, 2015

November 30, 2015

March 17, 2016

August 10, 2016

September 7, 2015

August 10, 2016

August 10, 2016

August 10, 2016

March 5, 2015

March 5, 2015

March 1, 2013

Funds managed by Mr. Sachin Relekar

Funds managed by Mr. Rahul Singh

August 10, 2016

August 10, 2016

August 10, 2016

August 10, 2016

August 10, 2016

November 12, 2001

May 31, 2007

September 1, 1994

February 25, 2015

December 24, 2014

January 1, 1991

June 19, 1989

December 10, 1999

June 9, 2003

March 18, 2002

Scheme managed by the current Fund Manager since

October 4, 2018

October 4, 2018

October 4, 2018

October 4, 2018

October 4, 2018

October 4, 2018

October 4, 2018

Funds managed by Mr. Yogesh Patil

March 24, 2008

March 31, 1997

November 20, 2015

November 30, 2015

March 17, 2016

June 19, 1989

June 23, 1999

Date of Inception

April 15, 1993

June 1, 1998

March 27,2015

December 5, 2002

December 5, 2002

January 1, 1991

June 1, 1998

November 12, 2001

Funds managed by Mr. Marzban Irani


Comparative Performance Of Close Ended Schemes

Disclaimer for Index TRI

th(as on 30 November, 2018)

1 Year 3 Years 5 Years Since Inception

LIC MF Dual Advantage Fixed Term Plan-Series 1 -3.17 5.61 4.85NA

CRISIL Hybrid 85 + 15 - Conservative Index #






3.88 8.31 8.18NA

CRISIL 1 Year T-Bill Index ## 6.44 6.56 6.76NA

LIC MF Dual Advantage Fixed Term Plan-Series 2 -4.05 4.885.13 NA

3.88 7.958.31 NA

CRISIL 1 Year T-Bill Index ## 6.44 6.596.56 NA


3.88 8.31 8.25NA



3.88 8.31 8.18NA


LIC MF Dual Advantage Fixed Term Plan-Series 2 -4.05 4.885.13 NA

3.88 7.958.31 NA

CRISIL 1 Year T-Bill Index ## 6.44 6.596.56 NA


3.88 8.31 8.25NA


July 13, 2015 August 10, 2016

October 5, 2015 August 10, 2016

November 19, 2015 August 10, 2016

November 19, 2015 August 10, 2016

Funds managed by Mr. Sachin Relekar

July 13, 2015 August 10, 2016

October 5, 2015 August 10, 2016

Funds managed by Mr. Marzban Irani

CAGR (%)Date of Inception

Scheme managed by thecurrent Fund Manager since

Past performance may or may not be sustained in the future. Load is not taken into consideration for computation of performance. The Mutual Fund is not guaranteeing or promising or forecasting any returns. NA : Not Available. #

Benchmark. ## Additional Benchmark. Different plans shall have a different expense structure. The performance details provided herein are of Regular plan - Growth option. Since respective schemes have not completed relevant period (1yr,

3yr or 5yr) after allotment or units were not available throughout the respective period, no returns are available. In case, the start/end date of the concerned period is a nonbusiness date, the NAV of the previous date is considered for computation of

returns. The performance of the scheme is benchmarked to the Total Return variant of the index.

As TRI data is not available since inception of LIC MF Equity Hybrid Fund, benchmark performance is calculated using composite CAGR of Nifty 50 PRI values from date 1-Jan-1991 to date 30-Jun-1999 and TRI values since date 30-Jun-1999

(1) LIC MF Equity Hybrid Fund

(2) LIC MF Multi Cap Fund

(3) LIC MF Large Cap Fund

(4) LIC MF Index Fund - Nifty

(5) LIC MF Index Fund - Sensex

(6) LIC MF Tax Plan

As TRI data is not available since inception of LIC MF Multicap Fund, benchmark performance is calculated using composite CAGR of Nifty 50 PRI values from date 15-Apr-1993 to date 30-Jun-1999 and TRI values since date 30-Jun-1999

As TRI data is not available since inception of LIC MF Large Cap Fund, benchmark performance is calculated using composite CAGR of Nifty 50 PRI values from date 01-Sep-1994 to date 30-Jun-1999 and TRI values since date 30-Jun-1999

As TRI data is not available since inception of LIC MF Index Fund - Nifty Plan, benchmark performance is calculated using composite CAGR of S&P BSE Sensex PRI values from date 05-Dec-2002 to date 31-May-2007 and TRI values since date 31-May-2007

As TRI data is not available since inception of LIC MF Index Fund - Sensex Plan, benchmark performance is calculated using composite CAGR of S&P BSE Sensex PRI values from date 05-Dec-2002 to date 31-May-2007 and TRI values since date 31-May-2007

As TRI data is not available since inception of LIC MF Tax Plan, benchmark performance is calculated using composite CAGR of Nifty 50 PRI values from date 31-Mar-1997 to date 30-Jun-1999 and TRI values since date 30-Jun-1999As TRI data is not available since Inception of LIC MF Tax Plan, benchmark performance is calculated using composite CAGR of Nifty 500 PRI values from date 31-Mar-1997 to date 26-Nov-1998 and TRI values since date 26-Nov-1998

The benchmark of LIC MF Large Cap Fund, LIC MF Multi Cap Fund, LIC MF Large & Mid Cap Fund, LIC MF Banking and Financial Services Fund, LIC MF

Infrastructure Fund, LIC MF Tax Plan, LIC MF Banking & PSU Debt Fund, LIC MF Savings Fund have been changed w.e.f. 4th June, 2018. For further details, please

visit www.licmf.com


Summary : Key Features of the Schemes th(as on 30 November, 2018)

RP: Regular Plan, DP: Direct Plan, SIP: Systematic Investment Plan, STP: Systematic Transfer Plan, SWP: Systematic Withdrawal Plan. For Current Expense ratio details of all the Schemes, Investors are requested to

visit www.licmf.com. Direct Plan is a separate plan for direct investments i.e. investments not routed through a distributor. Note: Investors are advised to refer to the Scheme Information Document (SID), Key Information

Memorandum (KIM) and addenda issued from time to time, to know the terms and features of the schemes as prevailing on the date of submission of application for subscription/redemption/switch. Investors are requested

to read the relevant notice and addenda to the SID and KIM available at www.licmf.com for further details. #Any day SIP date is applicable from 1st to 28th. Any day SIP is not applicable for LIC MF Unit Linked Insurance

Scheme.

Scheme Name LIC MF Multi Cap Fund LIC MF Large Cap Fund LIC MF Large & Mid Cap FundLIC MF Banking & Financial ServicesFund

Scheme TypeAn Open Ended Equity Scheme Investing Across Large Cap, Mid Cap, Small Cap Stocks

An Open Ended Equity Scheme Predominantly Investing In Large Cap Stocks

An Open Ended Equity Scheme Investing In Both Large Cap And Mid Cap Stocks

An Open Ended Equity Scheme Investing In Banking & Financial Companies

Allotment Date April 15, 1993 September 1, 1994 February 25, 2015 March 27, 2015

Ideal Investment Horizon 3 Years Plus 3 Years Plus 3 Years Plus 3 Years Plus

Plan Available RP/DP RP/DP RP/DP RP/DP

Option Available Growth/Dividend Growth/Dividend Growth/Dividend Growth/Dividend

Benchmark Nifty 500 Index Nifty 100 Index Nifty LargeMidcap 250 Index Nifty Financial Services Index

Min Investment Amt ₹ 5000 ₹ 5000 ₹ 5000 ₹ 5000

Min Additional Amt ₹ 500 ₹ 500 ₹ 500 ₹ 500

Min Redemption Amt ₹ 500 ₹ 500 ₹ 500 ₹ 500

SIP dates Any day# Any day# Any day# Any day#

SIP Frequency Daily / Monthly / Quarterly Daily / Monthly / Quarterly Daily / Monthly / Quarterly Daily / Monthly / Quarterly

Min SIP Amountthereafter, 2) Monthly - ₹ 1000/- & in

1) Daily - ₹ 300/- & in multiples of ₹ 1/-

multiples of ₹ 1/- thereafter, 3) Quarterly -

₹ 3000/- & in multiples of ₹ 1/- thereafter.

thereafter, 2) Monthly - ₹ 1000/- & in












Fund Manager Mr. Yogesh Patil Mr. Sachin Relekar Mr. Sachin Relekar Mr. Yogesh Patil

Entry Load NIL NIL NIL NIL

Exit Load

1% if redeemed or switched out on or before completion of 1 month from the date of allotments of units

1% if redeemed or switched out on or before completion of 1 month from the date of allotments of units

Riskometer Risk - Moderately High Risk - Moderately High Risk - Moderately High Risk - High

Facility Available SIP/STP/SWP SIP/STP/SWP SIP/STP/SWP SIP/STP/SWP

Scheme Name LIC MF Infrastructure Fund LIC MF Tax Plan LIC MF Index Fund - Nifty Plan LIC MF Index Fund - Sensex Plan

Scheme Type An Open Ended Equity Scheme Investing In Infrastructure Companies

An Open Ended Equity Linked Saving Scheme With A Statutory Lock In Of 3 Years And Tax Benefit

An Open Ended Scheme Replicating/Tracking Nifty 50 Index

An Open Ended Scheme Replicating/Tracking S & P Bse Sensex

Allotment Date March 24, 2008 March 31, 1997 December 5, 2002 December 5, 2002

Ideal Investment Horizon 3 Years Plus 3 Years Plus 3 Years Plus 3 Years Plus


Option Available Growth/Dividend Growth/Dividend Growth/Dividend Growth/Dividend

Benchmark Nifty Infrastructure Index Nifty 500 Index Nifty 50 Index S&P BSE Sensex

Min Investment Amt ₹ 5000 ₹ 500 ₹ 5000 ₹ 5000

Min Additional Amt ₹ 500 ₹ 500 ₹ 500 ₹ 500


SIP dates Any day# Any day# Any day# Any day#

SIP Frequency Daily / Monthly / Quarterly Daily / Monthly / Quarterly Daily / Monthly / Quarterly Daily / Monthly / Quarterly

Min SIP Amount

Fund Manager Mr. Sachin Relekar Mr. Sachin Relekar Mr. Yogesh Patil Mr. Yogesh Patil


Exit Load NIL (subject to lock-in period of 3 years)

Riskometer Risk - High Risk - Moderately High Risk - Moderately High Risk - Moderately High

Facility Available SIP/STP/SWP SIP SIP/STP/SWP SIP/STP/SWP

















28

















Summary : Key Features of the Schemes th(as on 30 November, 2018)

RP: Regular Plan, DP: Direct Plan, SIP: Systematic Investment Plan, STP: Systematic Transfer Plan, SWP: Systematic Withdrawal Plan. For Current Expense ratio details of all the Schemes, Investors are requested to

visit www.licmf.com. Direct Plan is a separate plan for direct investments i.e. investments not routed through a distributor. Note: Investors are advised to refer to the Scheme Information Document (SID), Key Information

Memorandum (KIM) and addenda issued from time to time, to know the terms and features of the schemes as prevailing on the date of submission of application for subscription/redemption/switch. Investors are requested

to read the relevant notice and addenda to the SID and KIM available at www.licmf.com for further details. *Lock-in Period:- at least 5 years or till the child attains age of majority whichever is earlier on every Business Day.

). #Any day SIP date is applicable from 1st to 28th. Any day SIP is not applicable for LIC MF Unit Linked Insurance Scheme.

Scheme NameLIC MF Exchange Traded Fund - Nifty 100


LIC MF Exchange Traded Fund - Sensex

Scheme TypeAn Open Ended Scheme Replicating/Tracking Nifty 100 Index

An Open Ended Scheme Replicating/Tracking Nifty 50 Index

An Open Ended Scheme Replicating/Tracking Sensex Index

Allotment Date March 17, 2016 November 20, 2015 November 30, 2015

Ideal Investment Horizon 3 Years Plus 3 Years Plus 3 Years Plus

Plan Available RP RP RP

Option Available Growth Growth Growth

Benchmark Nifty 100 Index Nifty 50 Index S&P BSE Sensex

Min Investment Amt

For Subscription / Redemption of units directly with MF : 2,00,000 units. For purchase through Stock Exchange : 1 unit

For Subscription / Redemption of units directly with MF : 50,000 units. For purchase through Stock Exchange : 1 unit

For Subscription/ Redemption of units directly with MF : 2,000 units. For purchase through Stock Exchange : 1 unit

Min Additional Amt

Min Redemption Amt

SIP dates

SIP Frequency

Min SIP Amount

Fund Manager Mr. Sachin Relekar Mr. Sachin Relekar Mr. Sachin Relekar

Entry Load NIL

- - -

-

-

- - -

- -

- -

-

-

-

-

-

-

NIL NIL

Exit Load NIL NIL NIL

Riskometer Risk - Moderately High Risk - Moderately High Risk - Moderately High

Facility Available

Scheme Name LIC MF Equity Hybrid Fund LIC MF Debt Hybrid FundLIC MF Unit Linked InsuranceScheme

LIC MF Children's Gift Fund

Scheme TypeAn Open Ended Hybrid Scheme Investing Predominantly In Equity And Equity Related Instruments

An Open Ended Hybrid Scheme Investing Predominantly In Debt Instruments

An Open-Ended Insurance Linked Tax Saving Scheme

An Open Ended Fund For Investment For Children Having A Lock-In for at least 5 Years Or Till The Child Attains Age Of Majority (Whichever Is Earlier)

Allotment Date January 01, 1991 June 01, 1998 June 19, 1989 November 12, 2001

Ideal Investment Horizon 3 Years Plus 1 Year Plus 3 Years Plus 5 Years Plus


Option Available Growth/Dividend Growth/Dividend Dividend Reinvestment Growth

Benchmark Crisil Hybrid 35 + 65 - Aggressive Index Crisil Hybrid 35 + 65 - Aggressive Index Crisil Hybrid 35 + 65 - Aggressive IndexCrisil Hybrid 85 + 15 - Conservative Index

Min Investment Amt ₹ 5000 ₹ 5000

₹ 10,000/- under Single Premium Option, ₹ 10,000/- under Regular Premium - Yearly option, ₹ 1,000/- under Regular Premium - Monthly Option

₹ 5000

Min Additional Amt ₹ 500 ₹ 500 ₹ 500


SIP dates Any day# Any day# 15th Any day#

SIP Frequency Daily / Monthly / Quarterly Daily / Monthly / Quarterly Monthly / Quarterly Daily / Monthly / Quarterly

Min SIP Amount1) Monthly - ₹ 1000/- 2) Quarterly - ₹ 3000/-

Fund ManagerMr. Yogesh Patil (Equity), Mr. Marzban Irani (Debt)

Mr. Marzban Irani (Debt), Mr. Yogesh Patil (Equity)

Mr. Sachin Relekar (Equity), Mr. Marzban Irani (Debt)

Mr. Marzban Irani (Debt), Mr. Yogesh Patil (Equity)


Exit Load NIL (subject to lock-in period of 3 years) NIL *

Riskometer Risk - Moderately High Risk - Moderate Risk - Moderately High Risk - Moderately High

Facility Available SIP/STP/SWP SIP/STP/SWP SIP SIP/STP/SWP













LIC MF Government Securities Fund

An Open Ended Debt Scheme Investing in Government Securities Across Maturity

December 10, 1999

3 Years Plus

RP/DP

Growth/Dividend/PF

I-Sec Composite Index

₹ 10000

₹ 500

₹ 500

Any day#

Monthly / Quarterly

1) Monthly - ₹ 1000/- & in multiples of ₹ 1/- thereafter, 2) Quarterly - ₹ 3000/- & in multiples of ₹ 1/- thereafter

Mr. Marzban Irani

NIL

0.25% if exit within 30 days from the date of allotment of units

Risk - Moderate

SIP/STP

LIC MF G-Sec Long Term Exchange Traded

Fund

An Open Ended Scheme Replicating / Tracking Nifty 8-13 Yr G-Sec Index

December 24, 2014

3 Years Plus

RP

-

-

-

-

-

-

Growth

Nifty 8-13 yr G-Sec Index

For Subscription / Redemption of units directly with MF : 1,00,000 units. For purchase through Stock Exchange : 1 unit

Mr. Marzban Irani

NIL

NIL

Risk - Moderate

29








Summary : Key Features of the Schemes

Total Expense Ratios st(as on 31 October, 2018)

RP: Regular Plan, DP: Direct Plan, SIP: Systematic Investment Plan, STP: Systematic Transfer Plan, SWP: Systematic Withdrawal Plan. For Current Expense ratio details of all the Schemes, Investors are requested to visit www.licmf.com. Direct Plan is a separate plan for direct investments i.e. investments not routed through a distributor. Note: Investors are advised to refer to the Scheme Information Document (SID), Key Information Memorandum (KIM) and addenda issued from time to time, to know the terms and features of the schemes as prevailing on the date of submission of application for subscription/redemption/switch. Investors are requested to read the relevant notice and addenda to the SID and KIM available at www.licmf.com for further details. #Any day SIP date is applicable from 1st to 28th. Any day SIP is not applicable for LIC MF Unit Linked Insurance Scheme.

1. Base TER excludes additional expenses provided in Regulation 52(6A)(b) and 52(6A)(c) of SEBI (Mutual Funds) Regulations, 1996 and Goods and Services Tax (GST) on investment and advisory fees as per applicable rate.2. Additional Expenses not exceeding 0.30% in terms of Regulation 52(6A)(b) of SEBI (Mutual Funds) Regulations, 1996.3. Additional Expenses not exceeding 0.05% in terms of Regulation 52(6A)(c) of SEBI (Mutual Funds) Regulations, 1996.4. Present GST rate is 18%.5. Percentages mentioned above are annualized.6. Base TER of direct plan shall have a lower expense ratio excluding distribution expenses, commission, etc., and no commission shall be paid from such plans.

Scheme Name LIC MF Liquid Fund LIC MF Savings Fund LIC MF Banking & PSU Debt Fund

Scheme Type An Open-Ended Liquid Scheme An Open Ended Low Duration Debt Scheme Investing In Instruments With Macaulay Duration Of The Portfolio Is Between 6 Months And 12 Months

An Open Ended Debt Scheme Predominantly Investing In Debt Instruments Of Banks, Public Sector Undertakings, Public Financial Institutions And Municipal Bonds

Allotment Date March 18, 2002 June 09, 2003 May 31, 2007

Ideal Investment Horizon 1 Day Plus 6 Months Plus 3 Years Plus

Plan Available RP/DP RP/DP RP/DP

Option Available Growth/Dividend Growth/Dividend Growth/Dividend

Benchmark Crisil Liquid Fund Index CRISIL Low Duration Debt Index CRISIL Short Term Bond Fund Index

Min Investment Amt ₹ 5000 ₹ 5000 ₹ 5000

Min Additional Amt ₹ 500 ₹ 500 ₹ 500

Min Redemption Amt ₹ 500 ₹ 500 ₹ 500

SIP dates Any day# Any day# Any day#

SIP Frequency Monthly / Quarterly Monthly / Quarterly Monthly / Quarterly

Min SIP Amount

1) Monthly - ₹ 1000/- & in multiples of ₹ 1/- thereafter, 2) Quarterly - & 3000/- & in multiples of ₹ 1/- thereafter




Fund Manager Mr. Rahul Singh Mr. Rahul Singh Mr. Marzban Irani

Entry Load NIL NIL NIL

Exit Load NIL NIL NIL

Riskometer Risk - Low Risk - Moderate Risk - Moderate

Facility Available SIP/STP/SWP SIP/STP/SWP SIP/STP/SWP

LIC MF Bond Fund

An Open Ended Medium Term Debt Scheme Investing in Instruments With Macaulay Duration Of The Portfolio is Between 4 Years And 7 Years

June 23, 1999

3 Years Plus

RP/DP

Growth/Dividend

Crisil Composite Bond Fund Index

₹ 5000

₹ 500

₹ 500

Any day#

Monthly / Quarterly

Mr. Marzban Irani

NIL

Risk - Moderate

SIP/STP/SWP

1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units

Scheme NameBase TER

(%)1

Additional

expense as per

Regulation

52(6A)(b) (%)2

Additional

expense as per

Regulation

52(6A)© (%)3

GST (%)4Total TER

(%)

Base TER

(%)1

Additional

expense as per

Regulation

52(6A)(b) (%)2

Additional

expense as per

Regulation

52(6A)© (%)3

GST (%)4Total TER

(%)

Regular Plan Direct Plan

LIC MF Banking & Financial Services Fund 2.50 -

-

0.05 0.29

2.84

1.51 - 0.05 0.27 1.83

LIC MF Equity Hybrid Fund 2.14

0.05

0.22

2.41

1.24

- 0.05 0.22 1.51

LIC MF Infrastructure Fund 2.50

-

0.05

0.29

2.84

1.33

- 0.05 0.24 1.62

LIC MF Large & Mid Cap Fund 2.14

0.15

0.15

0.15

0.05

0.22

2.56

1.21

- 0.05 0.22 1.48

LIC MF Large Cap Fund 2.17

0.05

0.23

2.60

1.24

- 0.05 0.22 1.51

LIC MF Multicap Fund 2.16

-

0.05

0.23

2.44

1.22

- 0.05 0.22 1.49

LIC MF Tax Plan 2.38

-

0.25

2.78

1.42

- - 0.24 1.66

LIC MF Index Fund- Sensex Plan 1.50

-

0.05

0.13

1.68

0.98

- 0.05 0.12 1.15

LIC MF Index Fund-Nifty Plan 1.20

-

-

0.04

1.24

0.64

- - 0.04 0.68

LIC MF Children's Gift Fund 2.47

-

-

0.27

2.74

1.44

- - 0.25 1.69

LIC MF Unit Linked Insurance Scheme 2.34

-

-

0.24

2.58

1.29

- - 0.21 1.50

LIC MF ETF-Nifty 100 0.25

-

-

0.01

0.26

-

- - - -

LIC MF ETF-Nifty 50 0.10

-

-

0.00

0.10

-

- - - -

LIC MF ETF-Sensex 0.10 - - 0.00 0.10 - - - - -

LIC MF G-Sec Long Term ETF 0.25 - - 0.03 0.28 - - - - -

LIC MF Banking & PSU Debt Fund 0.80 - - 0.03 0.83 0.24 - - 0.03 0.27

LIC MF Bond Fund 1.07 - - 0.10 1.17 0.57 - - 0.09 0.66

LIC MF Debt Hybrid Fund 2.25 - 0.05 0.30 2.60 1.48 - 0.05 0.26 1.79

LIC MF Govt. Securities Fund 1.30 - 0.05 0.07 1.42 0.37 - 0.05 0.07 0.49

LIC MF Liquid Fund 0.24 - - 0.01 0.25 0.10 - - 0.01 0.11

LIC MF Savings Fund 0.80 - - 0.04 0.84 0.26 - - 0.04 0.30


GLOSSARY OF TERMS

BRANCH OFFICES

Ahmedabad: Jeevan Sadan, 3rd Flr, LIC Bldg, Opp. Capital Commercial Center, Ahmedabad 380006. Tel.: 079-26588301/40380568. Bangalore: No.4, Canara Mutual Building (Opp. Cash

Pharmacy), 2nd Floor, Residency Rd, Bangalore 560025. Tel.: 080-22118478/22295598. Bhubaneswar: Plot no-2B&2C, Ground floor, Behind Ram Mandir, Unit-3, Kharavel Nagar,

Bhubaneswar 751001, Odisha. Tel.: 9439455522. Chandigarh: S.C.O.-20-30, Jeevan Prakash Building, Ground Floor, LIC Divisional Office, Sector-17B, Chandigarh 160017. Tel.: 0172-

4622030. Chennai: 15, Anna Salai, Next to V.G.P. Bldg., Chennai 600002. Tel.: 044-28411984/28555883. Coimbatore: 'India Life Building', LIC Divisional Office, No:1543/44,Trichy Road,

Coimbatore-641018. Tel.: 0422-4393014 Ernakulam: 11th Floor, Jeevan Prakash, M.G. Road, Ernakulam, Kochi 682011. Tel.: 0484-2367643. Ghatkopar: LIC Mutual Fund Asset

Management Limited, Office No. 19, Ground Floor, Zest Business Centre, MG Road, Near Doshi Nursing Home, Ghatkopar East, Mumbai, Maharashtra - 400 077. Guwahati: LIC Mutual Fund

Asset Management Limited, Jeevan Prakash Building, Ground Floor, S. S. Road, Fancy Bazar, Guwahati - 781 001. Hyderabad: House No. 5-9-57, 4th Floor, Jeevan Jyoti Building,

Basheerbagh, Hyderabad 500029. Tel.: 040-23244445/23210572. Indore: U.V. House, 1st Floor, Snehil 9/1-A South Tukoganj, Indore 452001. Tel.: 0731-2520262. Jaipur: LIC Divisional

Office-1 Campus, Ground Floor, Jeevan Nidhi-II (Investment Building), Bhawani Singh Road, Ambedkar Circle, Jaipur 302005. Tel.: 0141-2743620. Kanpur: Jeevan Vikas, Ground Floor,

16/98, M.G. Road, Kanpur 208001. Tel.: 0512-2360240/3244949. Kolkata: Ground Floor, Hindustan Building Annexe, 4, Chittaranjan Avenue, Kolkata 700072. Tel.: 033-22129455.

Lucknow: 7th Floor, Jeevan Bhavan 2, Naval Kishore Road, Hazrat Ganj, Lucknow 226001. Tel.: 0522-2231186/4045203. Mangalore: LIC Mutual Fund Asset Management Limited, No. 6,

Ground Floor, Popular Building, K S Rao Road, Mangalore - 575 001. Tel. No.: 0824-2411482. Mumbai: Gr. Floor, Industrial Assurance Bldg., Opp. Churchgate Station, Mumbai 400020. Tel.:

022-22885971/22817163 / 2nd Floor, Jeevan Chintamani, Near R.T.O., Eastern Express Highway, Thane - 400 604. Tel.: 022-25804738. Nagpur: Jeevan Seva Bldg., Mount Road, Sadar,

Nagpur 440001. Tel.: 0712-2542497. Nashik: Shop No.2, Ground Floor, Rajvee Enclave, New Pandit Colony, Nashik 422002. Tel.: 0253-2579507. New Delhi: 7th Floor, Jeevan Prakash, 25

K.G. Marg, New Delhi 110001. Tel.: 011-23359190/23314396. Patna: LIC Mutual Fund Asset Management Limited, Office No. 4A, 4th Floor, Anand Towers, Exhibition Road, P.S. Gandhi

Maidan, Dist. Patna - 800001. Pune: LIC of India, Pune D.O.-I, 6/7, Shivaji Nagar, University Road, Pune 411005. Tel.: 020-25537301. Raipur: C-29/A, Sector 1, Besides City Centre Mall,

Devendra Nagar, Raipur 492001 C.G. Tel.: 0771-2236780/4051137. Rajkot: LIC of India Bldg., Jeevan Prakash, Tagore Marg, Rajkot 360002. Tel.: 0281- 2461522.

Application Amount for Fresh Subscription: This is the minimum investment amount for a new investor in a mutual fund scheme

Asset allocation: Investment of certain proportions of a portfolio in different assets classes like Equity, Debt, Gold etc..

Asset allocation for Equity: The allocation is based on industry classification and not any separate sector classification.

AUM: AUM or assets under management refers to the recent / updated cumulative market value of investments managed by a mutual fund or any investment firm.

Benchmark: A group of securities, usually a market index, whose performance is used as a standard or benchmark to measure investment performance of mutual funds, among other investments. Some typical benchmarks include the Nifty, Sensex, BSE200, BSE500, 10-year Gsec.

Beta: Beta is a measure of an investment’s volatility vis-a-vis the market. Beta of less than 1 means that the security will be less volatile than the market. A beta of greater than 1 implies that the security’s price will be more volatile than the market.

Entry Load: A mutual fund may have a sales charge or load at the time of entry and/or exit to compensate the distributor/agent. Entry Load is charged at the time an investor purchases the units of a mutual fund. The entry load is added to the prevailing NAV at the time of investment. For instance, if the NAV is Rs 100 and the entry load is 1%, the investor will enter the fund at Rs 101.

Exit Load: Exit load is charged at the time an investor redeems the units of a mutual fund. The exit load is reduced from the prevailing NAV at the time of redemption. The investor will receive redemption proceed at net value of NAV less Exit Load. For instance if the NAV is Rs 100 and the exit load is 1%, the investor will receive Rs 99.

Expense ratio: The expense ratio is the annual fee that funds or ETFs charge their unit holders. It expresses the percentage of assets deducted each fiscal year for fund expenses.

Fund Manager: An Employee of the asset management company such as a mutual fund or life insurer, who manages investments of the scheme. He is usually part of a larger team of fund managers and research analysts.

Maturity profile: Maturity is a term defined with respect to Debt Instruments which have fixed maturities after which they cease to exist on payment of the principal and the stipulated interest. A fund's profile consisting of the allocation of the value of assets in terms of percentage and their time left to maturity respectively is called a maturity profile. It gives a summary of the breakup of the value of assets with different specified maturities.

Holdings: The holdings or the portfolio is a mutual fund’s latest or updated report statement of investments/securities. These are usually displayed in terms of percentage to net assets or the rupee value or both. The objective is to give investors an idea of where their money is being invested by the fund manager.

Minimum Additional Amount: This is the minimum investment amount for an existing investor in a mutual fund scheme.

Macaulay Duration: Macaulay Duration is the weighted average term to maturity of the cash flows from a bond. The weight of each cash flow is determined by dividing the present value of the cash flow by the price.

Nature of Scheme: The investment objective and underlying investments determine the nature of the mutual fund scheme. For instance, a mutual fund that aims at generating capital appreciation by investing in stock markets is an equity fund or growth fund. Likewise, a mutual fund that aims at capital preservation by investing in debt markets is a debt fund or income fund. Each of these categories may have subcategories.

NAV: The NAV or the net asset value is the total asset value per unit of the mutual fund after deducting all related and permissible expenses. The NAV is calculated at the end of every business day. It is the value at which the investor enters or exits the mutual fund.

Portfolio turnover ratio: Portfolio turnover is a measure of how frequently assets within a fund are bought and sold by the managers. This ratio measures the fund's trading activity, which is computed by taking the lesser of purchases or sales and dividing by average monthly net assets.

Portfolio Yield: Disclosure only required for Debt Funds.

Rating Profile: Mutual funds invest in securities after evaluating their creditworthiness as disclosed by the ratings. A depiction of the mutual fund in various investments based on their ratings becomes the rating profile of the fund. Typically, this is a feature of debt funds.

Risk Free Returns: MIBOR rate for 1 day. To be sourced from FIMMDA (http://www.fimmda.org) for last day of the month.

Sector allocation: Sector allocation may be defined as an allocation of funds in a certain percentage of the portfolio in different sectors of the economy.

Sharpe Ratio: The Sharpe Ratio, names after its founder, the Nobel Laureate William Sharpe, is a measure of risk-adjusted returns. It is calculated using standard deviation and excess return to determine reward per unit of risk.

SIP: SIP or systematic investment plan works on the principle of making periodic investments of a fixed sum. Its works similar to a recurring bank deposit. For instance, an investor may opt for an SIP that the invests Rs 500 every 15 of the month in an equity fund for a period of three years.

SIP Return: The SIP return calculation should be based on Rs. 10,000 invested every month. Returns would be 1 year, 3 year, 5 year, 7 year etc.

Standard Deviation: Standard deviation is a statistical measure of the range of an investment’s performance. When a mutual fund has a high standard deviation, its means its range of performance is wide, implying greater volatility.

Tracking error: Tracking error is the difference between a portfolio's returns and the benchmark or index it was meant to mimic or beat. Tracking error is sometimes called active risk.

Yield to Maturity: The Yield to Maturity or the YTM is the rate of return anticipated on a bond if held until maturity. YTM is expressed as an annual rate. The YTM factors in the bond’s current market price, par value, coupon interest rate and time to maturity.


KARVY OFFICES

Investment Manager:LIC MUTUAL FUND ASSET MANAGEMENT LIMITED

Fax : +91 22 2283 5606 E-mail: [email protected]

www.licmf.com Toll Free No. 1800 258 5678

Agartala: Bidurkarta Chowmuhani, J N Bari Road, Tripura (West), Agartala, Tripura 799001. Agra: 1st Floor, Deepak Wasan Plaza, Behind Holiday Inn, Opp Megdoot Furnitures, Sanjay Place, Agra, Uttar Pradesh 282002. Ahmedabad: 201/202 Shail Complex, Opp Madhusudan House, B/H Girish Cold Drink, Off C G Road, Navrangpura, Ahmedabad, Gujarat 380006. Ajmer: S.no.1&2, 2nd Floor, Ajmer Tower, Kutchery Road, Ajmer, Rajasthan 305001. Akola: Yamuna Tarang Complex, Shop No 30, Ground Floor, N.H. No 06, Murtizapur Road, Opp Radhakrishna Talkies, Akola, Maharashthra 444004. Aligarh: 1st Floor, Kumar Plaza, Aligarh, Uttar Pradesh 202001. Allahabad: RSA Towers, 2nd Floor, Above Sony TV Showroom, 57, S P Marg, Civil Lines, Allahabad, Uttar Pradesh 211001. Alleppy: X1v 172, JP Towers, Mullackal, KSRTC Bus Stand, Alleppy, Kerala 688011. Alwar: 101,Saurabh Tower, Opp. UIT, Near Bhagat Singh Circle, Road No.2, Alwar, Rajasthan 301001. Amaravathi: Shop No. 21, 2nd Floor, Gulshan Tower, Near Panchsheel Talkies, Jaistambh Square, Amaravathi, Maharashthra 444601. Ambala: 6349, Nicholson Road, Adjacent KOS HospitalambalaCant, Ambala, Haryana 133001. Amritsar: 72-A, Taylor’s Road, Opp Aga Heritage Club, Amritsar, Punjab 143001. Anand: B-42 Vaibhav Commercial Center, Nr TVS Down Town Shrow Room, Grid Char Rasta, Anand, Gujarat 380001. Ananthapur: #15/149, 1st Floor, S R Towers, Subash Road, Opp. To Lalitha Kala Parishad, Anantapur, Andhra Pradesh 515001. Ankleshwar: L/2 Keval Shopping Center, Old National Highway, Ankleshwar, Ankleshwar, Gujarat 393002. Asansol: 114/71 G T Road, Near Sony Centre, Bhanga Pachil, Asansol, West Bengal 713303. Aurangabad: Ramkunj Niwas, Railway Station Road, Near Osmanpura Circle, Aurangabad, Maharashthra 431005. Azamgarh: 1st Floor, Alkal Building, Opp. Nagaripalika Civil Line, Azamgarh, Uttar Pradesh 276001. Malleshwaram, Bangalore: No.337, GF-3, Karuna Complex, Sampige Road, Opp New Vegetable Market, Malleshwaram, Bangalore 560003; Koramangala, Bangalore: No. 408, Cita Bldg, I Floor, Next To Vodafone Office, Koramangala, Bangalore 560095; Bangalore: 59, Skanda Puttanna Road, Basavanagudi, Bangalore, Karnataka 560004. Balasore: M.S Das Street, Gopalgaon, Balasore, Orissa, Balasore, Orissa 756001. Bankura: Ambika Market Complex (Ground Floor), Nutanganj, Post & Dist Bankura, Bankura, West Bengal 722101. Bareilly: 1st Floor, 165, Civil Lines, Opp.Hotel Bareilly Palace, Near Railway Station, Bareilly, Uttar Pradesh 243001. Barhampore (WB): Thakur Market Complex, Gorabazar, Post Berhampore Dist Murshidabad, 72 No Nayasarak Road, Barhampore (WB), West Bengal 742101. Baroda: SB-5, Mangaldeep Complex, Opp. Masonic Hall, Productivity Road, Alkapuri, Baroda, Gujarat 390007. Begusarai: Near Hotel Diamond Surbhi Complex, O.C Township Gate, Kapasiya Chowk, Begusarai, Bihar 851117. Belgaum: CTS No 3939/ A2 A1, Above Raymonds Show Room, Beside Harsha Appliances, Club Road, Belgaum, Karnataka 590001. Bellary: No. 1, KHB Colony, Gandhi Nagar, Bellary, Karnataka 583103. Berhampur (OR): Opp Divya Nandan Kalyan Mandap, 3rd Lane Dharam Nagar, Near Lohiya Motor, Berhampur (OR), Orissa 760001. Betul: 107, 1st Floor, Hotel Utkarsh, J. H. College Road, Betul, Madhya Pradesh 460001. Bhagalpur: 2nd Floor, Chandralok Complex, Ghantaghar, Radha Rani Sinha Road, Bhagalpur, Bihar 812001. Bharuch: Shop No 147-148, Aditya Complex, Near Kasak Circle, Bharuch, Gujarat 392001. Bhatinda: #2047-A, 2nd Floor, The Mall Road, Above Max New York Life Insurance, New Delhi, Punjab 151001. Bhavnagar: Krushna Darshan Complex, Parimal Chowk, Office No. 306-307, 3rd Floor, Above Jed Blue Show Room, Bhavnagar, Gujarat 364002. Bhilai: Shop No-1, First Floor, Plot No-1, Commercial Complex, Nehru Nagar-East, Bhilai, Chatisgarh 490020. Bhilwara: Shop No. 27-28, 1st Floor, Heera Panna Market, Pur Road, Bhilwara, Rajasthan 311001. Bhopal: Kay Kay Business Centre, 133, Zone I, MP Nagar, Above City Bank, Bhopal, Madhya Pradesh 462011. Bhubaneswar: A/181, Back Side Of Shivam Honda Show Room, Saheed Nagar, Bhubaneswar, Orissa 751007. Bikaner: 70-71, 2nd Floor, Dr. Chahar Building, Panchsati Circle, Sadul Ganj, Bikaner, Rajasthan 334001. Bilaspur: Shop No-201 & 202, 1st Floor, V R Plaza, Link Road, Bilaspur, C.G., Bilaspur, Chatisgarh 495001. (Bhishm) Bokaro: B-1, 1st Floor, City Centre, Sector-4, Near Sona Chandi Jwellars, Bokaro, Jharkhand 827004. Burdwan: 63 GT Road, Halder Complex, 1st Floor, Burdwan, West Bengal 713101. Calicut: 2nd Floor, Soubhagya Shopping Complex, Arayidathpalam, Mavoor Road, Calicut, Kerala 673004. Chandigarh: SCO 2423-2424, 1st Floor, Sector 22-C, Chandigarh, Union Territory 160022. Chandrapur: Rauts Raghuvanshi Complex, Shop No-1, Office No-2, 1st Floor, Beside Azad Garden Main Road, Chandrapur, Maharashtra 442402. Chennai: F-11, Akshaya Plaza, 1st Floor, 108, Adhithanar Salai, Egmore, Opp To Chief Metropolitan Court, Chennai, Tamil Nadu 600002. T Nagar, Chennai: G1, Ground Floor, No 22, Vijayaraghava Road, Swathi Court, T Nagar, Chennai 600017; Adayar, Chennai: New No 51, Gandhi Nagar, First Main Road, Adyar, Chennai 600020; Annanagar, Chennai: T 92, Ground Floor, 3rd Avenue Main Road, Annanagar, Chennai 600040; Chinsura: J C Ghosh Saranu, Bhanga Gara, Chinsurah, Hooghly, Chinsurah, West Bengal 712101. Cochin: Ali Arcade, 1st Floor, Kizhavana Road, Panampilly Nagar, Near Atlantis Junction, Ernakualm, Kerala 682036. Coimbatore: 3rd Floor, Jaya Enclave, 1057 Avinashi Road, Coimbatore, Tamil Nadu 641018. Cuttack: PO-Buxi Bazar, Cuttack, Opp Dargha Bazar Police Station, Dargha Bazar, Cuttack, Orissa 753001. Darbhanga: Jaya Complex, 2nd Floor, Above Furniture Planet, Donar Chowk, Darbhanga, Bihar 846003. Davangere: #15/9, 1st Floor, Sobagu Complex, 2nd Main Road (AVK College Road) P J Extension, Davangere, Karnataka 577002. Dehradun: Kaulagarh Road, Near Sirmaur Margabove, Reliance Webworld, Dehradun, Uttaranchal 248001. Deoria: 1st Floor, 1st Floor, Opp. Zila Panchayat, Civil Lines, Deoria, Uttar Pradesh 274001. Dewas: 27 RMO House, Station Road, Above Maa Chamunda Gaes Agency, Dewas, Madhya Pradesh 455001. Dhanbad: 208 New Market, 2nd Floor, Bank More, Dhanbad, Jharkhand 826001. Dharwad: G, 7&8 Banashankari Avenue, Opp NTTF, P B Road, Dharwad, Karnatka 580001. Dhule: Ground Floor, Ideal Laundry, Lane No 4, Khol Galli, Near Muthoot Finance, Opp Bhavasar General Store, Dhule, Maharashthra 424001. Dindigul: No 9 Old No 4/B, New Agraharam, Palani Road, Dindigul, Tamil Nadu 624001. Durgapur: MWAV-16 Bengal Ambuja, 2nd Floor City Centre, 16 Dt Burdwan, Durgapur, West Bengal 713216. Eluru: D.No 23B-5-93/1, Savithri Complex, Edaravari Street, Near Dr. Prabhavathi Hospital, R.R. Pet, Eluru, Andhra Pradesh 534002. Erode: No. 4, Veerappan Traders Complex, KMY Salai, Sathy Road, Opp. Erode Bus Stand, Erode, Tamil Nadu 638003. Faridabad: A-2B, 1st Floor, Nehru Groundnit, Faridabad, Haryana 121001. Ferozpur: The Mall Road, Chawla Bulding, 1st Floor, Opp. Centrail Jail, Near Hanuman Mandir, Ferozepur, Punjab 152002. Gandhidham: 204, 2nd Floor, Bhagwati Chamber, Kutchkala Road, Gandhidham, Gujarat 382007. Gandhinagar: Plot No 945/2, Sector 7/C, Opp Pathika, Gandhinagar, Gujarat 382007. Gaya: 1st Floor, Lal Bhawan, Tower Chowk, Near Kiran Cinema, Gaya, Bihar 823001. Ghaziabad: 1st Floorc-7, Lohia Nagar, Ghaziabad, Uttar Pradesh 201001. Ghazipur: 2nd Floor, Shubhra Hotel Complex, Mahaubagh, Ghazipur, Uttar Pradesh 233001. Gonda: Shri Market, Sahabgunj, Station Road, Gonda, Uttar Pradesh 271001. Gorakhpur: Above V.I.P. House Ajdacent, A.d. Girls College, Bank Road, Gorakpur, Uttar Pradesh 273001. Gulbarga: CTS No 2913, 1st Floor, Asian Towers, Jagath Station, Main Road, Next To Adithya Hotel, Gulbarga, Karnataka 585105. Guntur: D No 6-10-27, Srinilayam, Arundelpet, 10/1, Guntur, Andhra Pradesh 522002. Gurgaon: Shop No.18, Ground Floor, Sector-14, Opp. AKD Tower, Near Huda Office, Gurgaon, Haryana 122001. Guwahati: 54 Sagarika Bhawan, 2nd Floor, R G Barooah Road, Aidc, Near Baskin Robbins, Guwahati, Assam 781024. Gwalior: 2nd Floor, Rajeev Plaza, Jayendra Ganj, Lashkar, Gwalior, Madhya Pradesh 474009. Haldwani: Above Kapilaz, Sweet House, Opp Lic Building, Pilikothi, Haldwani, Uttaranchal 263139. Haridwar: 8, Govind Puri, Opp. LIC-2, Above Vijay Bank, Main Road, Ranipur More, Haridwar, Uttaranchal 249401. Hassan: St Anthony’s Complex, Ground Floor, H.N. Pura Road, Hassan, Karnataka 573201. Hissar: SCO-71, 1st Floor, Red Square Market, Hissar, Haryana 125001. Hoshiarpur: 1st Floor, The Mall Tower, Opp Kapila Hospital, Sutheri Road, Hoshiarpur, Punjab 146001. Hubli: 22nd & 23rd, 3rd Floor, Eureka Junction, Travellers Bunglow, Hubli, Karnataka 580029. Hyderabad: 8-2-596, Avenue 4, Karvy Plaza, Street No 1, Banjara Hills, Hyderabad, Andhra Pradesh 500034. Indore: 2nd Floor, 203-205 Balaji Corporates, Above ICICI Bank, 19/1 New Palasia, Nearcurewell Hospital, Janjeerwala Square Indore, Indore, Madhya Pradesh 452001. Jabalpur: Grover Chamber, 43 Naya Bazar Malviya Chowk, Opp Shyam Market, Jabalpur, Madhya Pradesh 482002. Jaipur: S16/A 3rd Floor, Land Mark Building, Opp Jai Club, Mahaver Marg, C Scheme, Jaipur, Rajasthan 302001. Jalandhar: Arora Prime Tower, Lowe Ground Floor, Office No 3, Plot No 28, Jalandhar, Punjab 144001. Jalgaon: 113, Navi Peth, B/H Mahalaxmi Dairy, Jalgaon, Maharashthra 425001. Jalpaiguri: D B C Road, Opp Nirala Hotel, Opp Nirala Hotel, Jalpaiguri, West Bengal 735101. Jammu: 5 A/D Extension 2, Near Panama Chowk Petrol Pump, Panama Chowk, Jammu, Jammu & Kashmir 180012. Jamnagar: 136-137-138 Madhav Palaza, Opp SBI Bank, Nr Lal Bunglow, Jamnagar, Gujarat 361001. Jamshedpur: 2nd Floor, R R Square, SB Shop Area, Near Reliance Foot Print & Hotel-BS Park Plaza, Main Road, Jamshedpur, Jharkhand 831001. Jaunpur: R N Complex, 1-1-9-G, In Front Of Pathak Honda, Ummarpur, Jaunpur, Uttar Pradesh 222002. Jhansi: 371/01, Narayan Plaza, Gwalior Road, Near Jeevan Shah Chauraha, Jhansi, Uttar Pradesh 284001. Jodhpur: 203, Modi Arcade, Chopasni Road, Jodhpur, Rajasthan 342001. Junagadh: 124-125 Punit Shopping Center, M.G Road, Ranavav Chowk, Junagadh, Gujarat 362001. Kannur: 2nd Floor, Prabhath Complex, Fort Road, Nr. ICICI Bank, Kannur, Kerala 670001. Kanpur: 15/46, B, Ground Floor, Opp Muir Mills, Civil Lines, Kanpur, Uttar Pradesh 208001. Karaikudi: No. 2, Gopi Arcade, 100 Feet Road, Karaikudi, Tamil Nadu 630001. Karimnagar: H.No.4-2-130/131, Above Union Bank, Jafri Road, Rajeev Chowk, Karimnagar, Andhra Pradesh 505001. Karnal: 18/369, Char Chaman, Kunjpura Road, Behind Miglani Hospital, Karnal, Haryana 132001. Karur: No.6, Old No.1304, Thiru-Vika Road, Near G.R. Kalyan Mahal, Karur, Tamil Nadu 639001. Kharagpur: 180 Malancha Road, Beside Axis Bank Ltd, Kharagpur, West Bengal 721304. Kolhapur: 605/1/4 E Ward, Shahupuri, 2nd Lane, Laxmi Niwas, Near Sultane Chambers, Kolhapur, Maharashtra 416001. Kolkata: 166 A Rashbihari Avenue, 2nd Floor, Opp Fortish Hospital, Kolkata, West Bengal 700029. Kollam: Sree Vigneswara Bhavan, Shastri Junction, Kadapakada, Kollam, Kerala 691001. Korba: 1st Floor, City Centre, 97 IRCC, Transport Nagar, Korba, Chatisgarh 495677. Kota: 29, Ist Floor, Near Lala Lajpat Rai Circle, Shopping Centre, Kota, Rajasthan 324007. Kottayam: 1st Floor, Csiascension Square, Railway Station Road, Collectorate P O, Kottayam, Kerala 686002. Kurnool: Shop No.43, 1st Floor, S V Complex, Railway Station Road, Near SBI Main Branch, Kurnool, Andhra Pradesh 518004. Lucknow: 24, Prem Nagar, Ashok Marg, Lucknow, Uttar Pradesh 226001. Ludhiana: SCO-136, 1st Floor, Above Airtel Showroom, Feroze Gandhi Market, Ludhiana, Punjab 141001. Madurai: Rakesh Towers, 30-C, 1st Floor, Bye Pass Road, Opp Nagappa Motors, Madurai, Tamil Nadu 625010. Malappuram: First Floor, Cholakkal Building, Near U P School, UP Hil, Malappuram, Kerala 676505. Malda: Sahis Tuli, Under Ward No.6, No.1 Govt Colony, English Bazar Municipality, Malda, West Bengal 732101. Mandi: 149/11, School Bazaar, Mandi, Uttar Pradesh 175001. Mangalore: Mahendra Arcade, Opp Court Road, Karangal Padi, Mangalore, Karnataka 575003. Margoa: 2nd Floor, Dalal Commercial Complex, Pajifond, Margao, Goa 403601. Mathura: Ambey Crown, 2nd Floor, In Front Of BSA College, Gaushala Road, Mathura, Uttar Pradesh 281001. Meerut: 1st Floor, Medi Centreopp ICICI Bank, Hapur Road, Near Bachha Park, Meerut, Uttar Pradesh 250002. Mehsana: Ul/47, Apollo Enclave, Opp Simandhar Temple, Modhera Cross Road, Mehsana, Gujarat 384002. Mirzapur: Above HDFC Bank, Dankeenganj, UP, Mirzapur, Uttar Pradesh 231001. Moga: 1st Floor, Dutt Road, Mandir Wali Gali, Civil Lines, Barat Ghar, Moga, Punjab 142001. Moradabad: Om Arcade, Parker Road, Above Syndicate Bank, Chowk Tari Khana, Moradabad, Uttar Pradesh 244001. Morena: Moti Palace, Near Ramjanki Mandir, Near Ramjanki Mandir, Morena, Madhya Pradesh 476001. Mumbai: 24/B, Raja Bahadur Compound, Ambalal Doshi Marg, Behind BSE Bldg, Fort, Maharashtra 400001. Andheri: 6 & 7, Andheri Industrial Estate, Veera Desai Road, Andheri (West), Mumbai 400053. Borivali: Gomati Smuti, Ground Floor, Jambli Gully, Near Railway Station, Borivali (West), Mumbai 400092. Chembur: Shop No 4 , Ground Floor, Shram Saflya Bldg., N G Acharya Marg, Chembur, Mumbai 400071. Muzaffarpur: 1st Floor, Uma Market, Thana Gumtimoti Jheel, Muzaffarpur, Bihar 842001. Mysore: L-350, Silver Tower, Ashoka Road, Opp. Clock Tower, Mysore, Karnataka 570001. Nadiad: 104/105, Near Paras Cinema, City Point Nadiad, Nadiad, Gujarat 387001. Nagerkoil: 3A, South Car Street, Parsans Complex, Nagercoil, Tamil Nadu 629001. Nagpur: Plot No 2/1, House No 102/1, Mata Mandir Road, Mangaldeep Appartment, Opp Khandelwal Jewelers, Dharampeth, Nagpur, Maharashtra 440010. Namakkal: 105/2, Arun Towers, Paramathi Street, Namakkal, Tamil Nadu 637001. Nanded: Shop No.4, Santakripa Market, G G Road, Opp. Bank Of India, Nanded, Maharashtra 431601. Nasik: F-1, Suyojit Sankul, Sharanpur Road, Nasik, Maharashtra 422002. Navsari: 1/1 Chinmay Aracade, Opp Sattapir Rd, Tower Rd, Navsari, Gujarat 396445. Nellore: 16-2-230, Room No 27, 2nd Floor, Keizen Heights, Gandhi Nagar, Pogathota, Nellore, Andhra Pradesh 524001. New Delhi: 305 New Delhi House, 27 Barakhamba Road, New Delhi, New Delhi 110001. Nizamabad: H No 5-6-430, Above Bank Of Baroda, First Floor, Beside HDFC Bank, Hyderabad Road, Nizamabad, Andhra Pradesh 503003. Noida: 307 Jaipuria Plazad, 68 A, 2nd Floor, Opp Delhi Public School, Sector 26, Noida, Uttar Pradesh 201301. Palghat: No 20&21, Metro Complex H.P.O. Road Palakkad, Kerala 678001. Panipat: 1st Floor, Krishna Tower, Above Amertex, G.T. Road, Panipat, Haryana 132103. Panjim: City Business Centre, Coelho Pereira Building, Room No 18, 19 & 20, Dada Vaidya Road, Panjim, Goa 403001. Pathankot: 1st Floor, 9 A, Improvement Trust Building, Patel Chowk, Pathankot, Punjab 145001. Patiala: SCO 27 D, Chotti Baradari, Near Car Bazaar, Patiala, Punjab 147001. Patna: 3A, 3rd Floor Anand Tower, Exhibition Road, Opp ICICI Bank, Patna, Bihar 800001. Pollachi: 146/4, Ramanathan Building, 1st Floor, New Scheme Road, Pollachi, Tamil Nadu 642002. Pondicherry: No 7, Thiayagaraja Street, Pondicherry, Pondicherry 605001. Proddatur: Shop No 4, Araveti Complex, Mydukur Road, Beside Syndicate Bank, Proddatur, Andhra Pradesh 16360. Pudukottai: Sundaram Masilamani Towers, TS No. 5476-5479, PM Road, Old Tirumayam Salai, Near Anna Statue, Jublie Arts, Pudukottai,Tamil Nadu 622001. Pune: Office #16, Ground Floor, Shrinath Plaza, Near Dyaneshwar Paduka Chowk, F C Road, Pune, Maharashtra 411005. Raipur: Shop No. 31, Third Floor, Millenium Plaza, Above Indian House, Behind Indian Coffee House, Raipur, Chatisgarh 492001. Rajahmundry: D.No.6-1-4, Rangachary Street, T. Nagar, Near Axis Bank Street, Rajahmundry, Andhra Pradesh 533101. Rajapalayam: Sri Ganapathy Complex, 14B/5/18, T P Mills Road, Virudhungar Dist, Rajapalayam, Tamil Nadu 626117. Rajkot: 104, Siddhi Vinyak Com., Opp Ramkrishna Ashram, Dr Yagnik Road, Rajkot, Rajkot, Gujarat 360001. Ranchi: Room No 307, 3rd Floor, Commerce Tower, Beside Mahabir Tower, Ranchi, Jharkhand 834001. Ratlam: 1 Nagpal Bhawan, Free Ganj Road, Do Batti, Near Nokia Care, Ratlam, Madhya Pradesh 457001. Renukoot: Shop No. 18, Near Complex Birla Market, Renukoot, Uttar Pradesh 231217. Rewa: 1st Floor, Angoori Building, Besides Allahabad Bank, Trans University Road, Civil Lines, Rewa, Madhya Pradesh 485001. Rohtak: 1st Floor, Ashoka Plaza, Delhi Road, Rohtak, Haryana 124001. Roorkee: Shree Ashadeep Complex, 16, Civil Lines, Near Income Tax Office, Roorkee, Uttaranchal 247667. Rourkela: 1st Floor, Sandhu Complex, Kachery Road, Uditnagar, Rourekla, Orissa 769012. Sagar: Above Poshak Garments, 5 Civil Lines, Infront Of Income Tax Office, Sagar, Madhya Pradesh 470002. Saharanpur: 18 Mission Market, Court Road, Saharanpur, Uttar Pradesh 247001. Salem: No 40, Brindavan Road, Fairlands, Near Perumal Koil, Salem, Tamil Nadu 636016. Sambalpur: Ground Floor, Quality Massion, Infront Of Bazaar Kolkata, Nayapara, Sambalpur, Orissa 768001. Secunderabad: 1st Floor, Thirumala Complex, Paradise Circle, S.D Road, Opp. Hotel Kamat, Secunderabad 500003. Satna: 1st Floor, Gopal Complex, Near Bus Stand, Rewa Road, Satna, Madhya Pradesh 485001. Shaktinagar: 1st/A-375, V V Colony, Dist Sonebhadra, Shaktinagar, Uttar Pradesh 231222. Shillong: Annex Mani Bhawan, Lower Thana Road, Near R K M L P School, Shillong, Meghalaya 793001. Shimla: Triveni Building, By Pas Chowk Khallini, Shimla, Himachal Pradesh 171002. Shimoga: Sri Matra Naika Complex, 1st Floor, Above Shimoga Diagnostic Centre, LLR Road, Durgigudi, Shimoga, Karnataka 577201. Shivpuri: 1st Floor, M.P.R.P. Building, Near Bank Of India, Shivpuri, Madhya Pradesh 473551. Sikar: First Floor, Super Tower, Behind Ram Mandir, Near Taparya Bagichi, Sikar, Rajasthan 332001. Silchar: N.N. Dutta Road, Chowchakra Complex, Premtala, Silchar, Assam 788001. Siliguri: Nanak Complex, Sevoke Road, Siliguri, West Bengal 734001. Sitapur: 12/12-A, Sura Complex, Arya Nagar, Opp Mal Godam, Sitapur, Uttar Pradesh 261001. Sivakasi: 363, Thiruthangal Road, Opp TNEB, Sivakasi, Tamil Nadu 626123. Solan: Sahni Bhawan, Adjacent Anand Cinema Complex, The Mall, Solan, Himachal Pradesh 173212. Solapur: Block No 06, Vaman Nagar, Opp D-Mart, Jule Solapur, Solapur, Maharashtra 413004. Sonepat: 205 R Model Town, Above Central Bank Of India, Sonepat, Haryana 131001. Sri Ganganagar: 35E Block, Opp Sheetla Mata Vaateka, Sri Ganganagar, Rajasthan 335001. Srikakulam: D.No-4-1-28/1, Venkateswara Colony, Near Income Tax Office, Srikakulam, Andhra Pradesh 532001. Sultanpur: Rama Shankar Complex, Civil Lines, Faizabad Road, Sultanpur, Uttar Pradesh 228001. Surat: G-5 Empire State Buliding, Nr Udhna Darwaja, Ring Road, Surat, Gujarat 395002. Thanjavur: No. 70, Nalliah Complex, Srinivasam Pillai Road, Tanjore, Tamil Nadu 613001. Thodupuzha: First Floor, Pulimoottil Pioneer, Pala Road, Thodupuzha, Kerala 685584. Tirunelveli: 55/18, Jeney Building, S N Road, Near Aravind Eye Hospital, Tirunelveli, Tamil Nadu 627001. Tirupathi: D No 203, 2nd Floor, Padmavathi Nilayam, Nokia Care Upstairs, Tilak Road, Tirupathi, Andhra Pradesh 517501. Tirupur: First Floor, 244 A, Kamaraj Road, Opp To Cotton Market Complex, Tirupur, Tamil Nadu 641604. Tiruvalla: 2nd Floor, Erinjery Complex, Ramanchira, Opp Axis Bank, Thiruvalla, Kerala 689107. Trichur: 2nd Floor, Brothers Complex, Naikkanal Junction, Shornur Road, Near Dhanalakshmi Bank H O, Thrissur, Kerala 680001. Trichy: 60, Sri Krishna Arcade, Thennur High Road, Trichy, Tamil Nadu 20017. Trivandrum: 2nd Floor, Akshaya Tower, Sasthamangalam, Trivandrum, Kerala 695010. Tuticorin: 4-B, A34-A37, Mangalmal Mani Nagar, Opp. Rajaji Park, Palayamkottai Road, Tuticorin, Tamil Nadu 628003. Udaipur: 201-202, Madhav Chambers, Opp G P O, Chetak Circle, Udaipur, Rajasthan 313001. Ujjain: 101 Aashta Tower, 13/1 Dhanwantri Marg, Freeganj, Ujjain, Madhya Pradesh 456010. Valsad: Shop No 2, Phiroza Corner, Opp Next Show Room, Tithal Road, Valsad, Gujarat 396001. Vapi: Shop No-12, Ground Floor, Sheetal Appatment, Near K P Tower, Vapi, Gujarat 396195. Varanasi: D-64/132, 1st Floor, Anant Complex, Sigra, Varanashi, Uttar Pradesh 221010. Vellore: 1, M N R Arcade, Officers Line, Krishna Nagar, Vellore, Tamil Nadu 632001. Vijayanagaram: Soubhagya, 19-6-1/3, 2nd Floor, Near Fort Branch, Opp Three Temples, Vizianagaram, Andhra Pradesh 535002. Vijayawada: 39-10-7, Opp Municipal Water Tank, Labbipet, Vijayawada, Andhra Pradesh 520010. Visakhapatnam: Door No 48-8-7, Dwaraka Diamond, Ground Floor, Srinagar, Visakhapatnam, Andhra Pradesh 530016. Warangal: 5-6-95, 1st Floor, Opp B.Ed Collage, Lashkar Bazar, Chandra Complex, Hanmakonda, Warangal, Andhra Pradesh 506001. Yamuna Nagar: Jagdhari Road, Above UCO Bank, Near D.A.V. Girls College, Yamuna Nagar, Haryana 135001.

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LIC MF Factsheet December 2018 - LIC Mutual Fund · India's GDP growth eased to a 3-quarter low...

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Transcript of LIC MF Factsheet December 2018 - LIC Mutual Fund · India's GDP growth eased to a 3-quarter low...