LIC MF Healthcare Fund - Regular Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Sectoral/Thematic

Fund House : IDBI Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 30.5376 1.47%
(as on 07th January, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 84.15 Cr

(0.02% of Investment in Category)

Expense Ratio

: 2.44%

(2.08% Category average)

Risk-O-Meter

Very High Risk

Sectoral/Thematic :Sectoral/Thematic : The fund has 95.82% investment in domestic equities of which 18.13% is in Large Cap stocks, 27.56% is in Mid Cap stocks, 7.28% in Small Cap stocks.

Suitable For : Investors who have advanced knowledge of macro trends and prefer to take selective bets for higher returns compared to other Equity funds. At the same time, these investors should also be ready for possibility of moderate to high losses in their investments even though overall market is performing better.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

Benchmark
BSE Healthcare TRI

1.72%

5.02%

18.78%

40.26%

41.51%

28.39%

0%
NA
-1.03%

-2.47%

-0.2%

20.27%

26.9%

21.55%

15.95%

NA
Gold

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VIP (Value Avg)

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Returns (NAV as on 07th January, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	31-Dec-24	10028.40	0.28%	-	-0.11%	60/197
1 Month	06-Dec-24	9962.60	-0.37%	-	-1.03%	38/209
3 Month	07-Oct-24	10620.10	6.20%	-	-2.47%	8/203
6 Month	05-Jul-24	12020.50	20.21%	-	-0.20%	5/193
YTD	01-Jan-25	10004.10	0.04%	-	-0.11%	60/197
1 Year	05-Jan-24	13925.60	39.26%	38.88%	20.27%	5/170
2 Year	06-Jan-23	18144.70	81.45%	34.59%	26.90%	34/141
3 Year	07-Jan-22	16234.80	62.35%	17.51%	17.36%	60/131
5 Year	07-Jan-20	28781.90	187.82%	23.52%	21.55%	49/109
Since Inception	28-Feb-19	30537.60	205.38%	20.97%	15.95%	45/168

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 07th January, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	05-Jan-24	12000	14229.08	18.58 %	35.84 %
2 Year	06-Jan-23	24000	34936.64	45.57 %	40.65 %
3 Year	07-Jan-22	36000	56109.43	55.86 %	30.96 %
5 Year	07-Jan-20	60000	104497.2	74.16 %	22.33 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 30th Nov,2024)

Portfolio Turnover Ratio : 38.00% | Category average turnover ratio is 145.57%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 95.82% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 95.82%

No of Stocks : 23 (Category Avg - 45.10) | Large Cap Investments : 18.13%| Mid Cap Investments : 27.56% | Small Cap Investments : 7.28% | Other : 42.86%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	83	9.87%	-0.28%	16.04% (Feb 2024)	10.15% (Oct 2024)	46.62 k	2.23 k
Piramal Pharma Ltd.	Pharmaceuticals	61.1	7.26%	-0.29%	7.76% (Sep 2024)	5.41% (Feb 2024)	2.27 L	0.00
Artemis Medicare Services Ltd.	Hospital	56	6.66%	0.75%	7.01% (Jul 2024)	2.87% (Nov 2023)	1.70 L	0.00
Torrent Pharmaceuticals Ltd.	Pharmaceuticals	45	5.35%	0.44%	6.03% (Aug 2024)	4.9% (Nov 2023)	13.55 k	1.15 k
Syngene International Ltd.	Healthcare research, analytics & technology	38.2	4.54%	0.91%	3.64% (Oct 2024)	1.52% (Apr 2024)	40.63 k	6.45 k
Glenmark Pharmaceuticals Ltd.	Pharmaceuticals	37.6	4.47%	-0.40%	6.32% (Jul 2024)	0% (Nov 2023)	24.61 k	1.34 k
Mankind Pharma Ltd.	Pharmaceuticals	36.4	4.32%	-0.36%	5.58% (May 2024)	0% (Nov 2023)	14.20 k	0.00
Neuland Laboratories Ltd.	Pharmaceuticals	35.6	4.24%	0.59%	3.64% (Oct 2024)	0% (Nov 2023)	2.13 k	117.00
Cipla Ltd.	Pharmaceuticals	35.2	4.19%	-0.22%	6.5% (May 2024)	4.41% (Oct 2024)	22.96 k	0.00
Suven Pharmaceuticals Ltd.	Pharmaceuticals	34.3	4.08%	-0.19%	4.27% (Oct 2024)	0% (Nov 2023)	26.28 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	4.40%
Net Receivables	Net Receivables	-0.22%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st December, 2024)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

13.39vs14.98

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.6vs0.84

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.68vs0.7

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.15vs0.12

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

5.35vs4.08

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
HDFC Pharma and Healthcare Fund - Regular Plan - Growth	NA	1459.59	3.89	7.94	26.27	46.58	0.00
LIC MF Infrastructure Fund - Growth	4	852.07	0.60	4.83	-2.56	45.70	31.02
ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund - Growth	NA	5044.63	4.05	4.95	19.62	42.76	24.81
UTI Healthcare Fund - Growth	NA	1203.23	2.38	3.86	21.54	38.88	21.08
Quant Commodities Fund - Regular Plan - Growth	NA	446.18	-1.21	-5.82	1.89	38.60	0.00
Union Innovation & Opportunities Fund - Regular Plan - Growth	NA	894.19	2.29	5.98	10.27	37.50	0.00
DSP Healthcare Fund - Regular Plan - Growth	NA	3248.80	0.30	3.50	19.76	37.49	21.64
SBI Healthcare Opportunities Fund - Regular Plan - Growth	NA	3459.68	3.40	6.16	19.60	37.43	23.89
Kotak Healthcare Fund - Regular Plan - Growth	NA	418.74	3.94	6.11	20.28	37.22	0.00
ITI Pharma & Healthcare Fund - Regular Plan - Growth	NA	217.92	2.30	5.69	19.68	36.90	20.08

Detailed Comparison

More Funds from IDBI Mutual Fund

Out of 43 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 2 is/are ranked 4 * , 14 is/are ranked 3 * , 6 is/are ranked 2 * , 2 is/are ranked 1 * , and 17 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
LIC MF Liquid Fund - Regular Plan - Growth	3	10650.26	0.70	1.73	3.54	7.35	6.37
LIC MF Large & Mid Cap Fund - Growth	3	3125.62	0.81	1.88	-0.11	27.09	15.86
LIC MF Nifty 8-13 yr G-Sec ETF	NA	2440.56	0.71	2.06	4.98	9.94	6.31
LIC MF Nifty 8-13 yr G-Sec ETF	NA	2440.56	0.73	2.12	5.09	10.13	6.58
LIC MF Low Duration Fund - Growth	3	1879.33	0.71	1.65	3.49	7.08	5.84
LIC MF Low Duration Fund - Growth	3	1879.33	0.67	1.76	3.63	7.59	6.52
LIC MF Banking & PSU Fund - Growth	3	1851.90	0.63	1.61	3.91	7.89	5.81
LIC MF Large Cap Fund - Growth	2	1474.19	-0.83	-2.05	-1.77	15.08	8.86
LIC MF Multi Cap Fund - Regular Plan - Growth	NA	1417.04	1.18	3.14	2.50	31.37	0.00
LIC MF ELSS Tax Saver - Growth	3	1147.42	2.02	1.42	2.65	24.17	14.71