LIC MF Overnight Fund
Ticker: mf13181
Decent
70/100
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Business Overview
LIC MF Overnight Fund is a mutual fund scheme designed for investors seeking a safe and liquid investment option. Ideal for those looking to park their surplus funds for short durations, this fund invests primarily in overnight securities, ensuring minimal risk and quick access to funds. It is an excellent choice for conservative investors or those wanting to manage cash flows effectively. With a focus on capital preservation and liquidity, LIC MF Overnight Fund stands out as a reliable option in the Indian mutual fund landscape.
- Low-risk investment option
- Ideal for short-term parking of funds
- Focus on capital preservation
- Quick access to liquidity
- Managed by LIC Mutual Fund experts
Investment Thesis
LIC MF Overnight Fund stands out due to its strong backing from the reputable LIC promoter group, ensuring credibility and trust. The fund is well-positioned to leverage the growing digital services landscape, enhancing accessibility for investors. Additionally, its attractive valuation compared to peers makes it a compelling choice for retail investors seeking stable returns.
- Strong promoter group: Backed by LIC, a trusted name in the financial sector.
- Digital services growth: Positioned to capitalize on the increasing shift towards digital investment platforms.
- Attractive valuation: Competitive pricing compared to peer funds enhances investment appeal.
- Stable returns: Focus on overnight investments offers low volatility and consistent performance.
- Investor-friendly: Designed to cater to the needs of retail investors seeking safe and reliable options.
Opportunity vs Risk
Opportunities
- Stable returns in low-risk environment
- Ideal for short-term investments
- Liquidity for emergency needs
- Tax efficiency for investors
- Diversification in portfolio
Risks ⚠️
- Lower returns compared to equities
- Interest rate fluctuations impact returns
- Inflation may erode purchasing power
- Market volatility affects fund performance
- Limited growth potential in overnight funds
Peer Perspective
LIC MF Overnight Fund trades at a slight premium compared to peers like HDFC Overnight Fund and SBI Overnight Fund. A sustained growth acceleration and improved margin stability could drive a favorable rerating.
📊 Stock Investment Checklist (100 Points)
LIC MF Overnight Fund • Updated: 2025-09-29 14:00:15
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10BusinessHighThe overnight fund operates in a stable sector but lacks a significant competitive moat.
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10GrowthHighConsistent revenue growth but limited profit growth due to low-risk profile.
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10ProfitabilityHighROE and ROCE are moderate, with cash flow closely aligned with net profit.
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10ValuationHighValuation metrics are in line with peers, but not particularly attractive.
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8BalanceHighStrong liquidity position with low debt levels.
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7GovernanceHighPromoter holding is stable, but disclosures could be improved.
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5DriversGoodLimited growth catalysts; execution risks are moderate.
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3TechnicalsLowMarket sentiment is neutral with low momentum.
Final Score & Verdict
Score 70 / 100
• Decent
The LIC MF Overnight Fund is a stable investment option with moderate growth potential, but lacks significant competitive advantages.