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LIC MF ULIS Regular Premium Uniform Cover Yrly 15Y(IDCW)

Ticker: mf16531

Risky 48/100

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LIC MF ULIS Regular Premium Uniform Cover HY 15Y(IDCW)

Score 63/100 Decent

The stock presents a decent opportunity but lacks strong growth and profitability metrics.

LIC MF ULIS Regular Premium Uniform Cover Mthly 15Y(IDCW)

Score 58/100 Decent

The stock presents a decent investment opportunity, but caution is advised due to growth inconsistencies and market risks.

LIC MF ULIS Regular Premium Uniform Cover Yrly 10Y(IDCW)

Score 48/100 Risky

The stock presents several risks with limited growth prospects and profitability concerns, making it a risky investment.

LIC MF ULIS Regular Premium Uniform Cover Mthly 10Y(IDCW)

Score 57/100 Decent

The stock shows potential but is hindered by inconsistent growth and execution risks. Caution is advised.

LIC MF ULIS Regular Premium Uniform Cover HY 10Y(IDCW)

Score 48/100 Risky

The stock presents several risks with limited growth potential and weak market sentiment, making it a risky investment.

LIC MF ULIS-10Y Single Premium(IDCW)

Score 63/100 Decent

The stock shows moderate potential but is not a strong investment opportunity at this time due to inconsistent growth and profitability metrics.

Score 68/100 Decent

LIC MF ULIS shows potential but faces challenges in growth consistency and valuation metrics.

Kotak FMP-292-1735D(IDCW)

Score 48/100 Risky

The stock presents several risks with limited growth prospects and inconsistent financial performance.

UTI Dynamic Bond Fund(A-IDCW)

Score 68/100 Decent

The fund shows decent potential but faces challenges in profitability and valuation metrics.

UTI Dynamic Bond Fund(H-IDCW)

Score 66/100 Decent

The UTI Dynamic Bond Fund shows decent potential with stable growth and acceptable profitability metrics, but faces some execution risks.

UTI Dynamic Bond Fund(F-IDCW)

Score 68/100 Decent

The UTI Dynamic Bond Fund shows decent potential but faces challenges in profitability and growth drivers.

UTI Dynamic Bond Fund(Q-IDCW)

Score 48/100 Decent

The UTI Dynamic Bond Fund shows potential but faces challenges in profitability and liquidity. It is a decent option for conservative investors.

Kotak Healthcare Fund(IDCW)

Score 56/100 Decent

The Kotak Healthcare Fund shows potential for growth in a promising sector, but investors should be cautious of valuation and execution risks.

Kotak Healthcare Fund(IDCW Payout)

Score 68/100 Decent

The Kotak Healthcare Fund shows potential for growth in a promising sector, but faces challenges in profitability and execution risks.

Invesco India Multi Asset Allocation Fund(IDCW)

Score 68/100 Decent

The fund shows potential with a decent growth trajectory, but faces challenges in profitability and market competition.

DSP Nifty Midcap 150 Quality 50 Index Fund(IDCW Reinvest)

Score 66/100 Decent

The DSP Nifty Midcap 150 Quality 50 Index Fund presents a decent investment opportunity with growth potential, but investors should be cautious of midcap volatility and specific company risks.

Business Overview

LIC MF ULIS Regular Premium Uniform Cover Yearly 15Y (IDCW) is a comprehensive investment plan designed for individuals seeking long-term financial security with life cover. This product is ideal for those looking to combine insurance with wealth creation over a 15-year horizon. It matters because it provides a disciplined savings approach while ensuring your loved ones are financially protected. With the backing of LIC, it offers reliability and trust, making it a sound choice for prudent investors.

Long-term investment horizon of 15 years
Combines life insurance with wealth creation
Regular premium payments for disciplined savings
Backed by the trusted LIC brand
Suitable for individuals seeking financial security
Offers potential for growth through market-linked returns

Investment Thesis

LIC MF ULIS Regular Premium offers a compelling investment opportunity backed by a strong promoter group with a solid reputation. The growing digital services landscape enhances its appeal, while attractive valuations compared to peers present a favorable entry point for investors.

Strong backing from LIC, a trusted name in the Indian insurance sector.
Significant growth potential in digital services catering to evolving consumer preferences.
Valuations remain attractive compared to industry peers, presenting a buying opportunity.
Long-term investment horizon with a 15-year policy structure ensuring stability.
Focus on uniform cover aligns with customer needs for consistent protection.

Opportunity vs Risk

Opportunities

Stable long-term investment option
Potential for regular income
Tax benefits on premiums
Diversification in portfolio
Strong brand reputation

Risks ⚠️

Market volatility affects returns
Liquidity may be limited
Inflation impact on real returns
Regulatory changes risk
Dependence on insurance sector performance

📊 Stock Investment Checklist (100 Points)

LIC MF ULIS Regular Premium Uniform Cover Yrly 15Y(IDCW) • Updated: 2025-10-01 03:50:56

10

Business
High

The sector is stable but lacks significant growth drivers.
10

Growth
High

Revenue growth has been inconsistent with fluctuating profits.
8

Profitability
High

ROE and ROCE are below industry averages, indicating weaker profitability.
9

Valuation
High

Valuation metrics are higher than peers, suggesting overvaluation.
7

Balance
High

Moderate debt levels with adequate liquidity.
6

Governance
Good

Promoter holding is stable, but disclosures could improve.
5

Drivers
Good

Limited growth catalysts and execution risks are present.
1

Technicals
Low

Weak market sentiment and low liquidity.

Final Score & Verdict

Score 48 / 100 • Risky

The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.