LIC MF ULIS Regular Premium Reducing Cover HY 15Y(IDCW)
Ticker: mf16525
Risky
48/100
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L
LIC MF ULIS Regular Premium Reducing Cover HY 10Y(IDCW)
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.
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L
LIC MF ULIS Regular Premium Reducing Cover Mthly 10Y(IDCW)
The stock shows potential but is hindered by inconsistent growth and valuation concerns.
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L
LIC MF ULIS Regular Premium Reducing Cover Yrly 10Y(IDCW)
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.
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L
LIC MF ULIS Regular Premium Reducing Cover Mthly 15Y(IDCW)
The stock shows potential but faces challenges in growth consistency and market sentiment. Caution is advised.
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L
LIC MF ULIS Regular Premium Reducing Cover Yrly 15Y(IDCW)
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.
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L
LIC MF ULIS Regular Premium Uniform Cover Yrly 15Y(IDCW)
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.
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L
LIC MF ULIS Regular Premium Uniform Cover HY 15Y(IDCW)
The stock presents a decent opportunity but lacks strong growth and profitability metrics.
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L
LIC MF ULIS Regular Premium Uniform Cover Mthly 15Y(IDCW)
The stock presents a decent investment opportunity, but caution is advised due to growth inconsistencies and market risks.
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L
LIC MF ULIS Regular Premium Uniform Cover Yrly 10Y(IDCW)
The stock presents several risks with limited growth prospects and profitability concerns, making it a risky investment.
View details
L
LIC MF ULIS Regular Premium Uniform Cover Mthly 10Y(IDCW)
The stock shows potential but is hindered by inconsistent growth and execution risks. Caution is advised.
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L
LIC MF ULIS Regular Premium Uniform Cover HY 10Y(IDCW)
The stock presents several risks with limited growth potential and weak market sentiment, making it a risky investment.
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L
LIC MF ULIS-10Y Single Premium(IDCW)
The stock shows moderate potential but is not a strong investment opportunity at this time due to inconsistent growth and profitability metrics.
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L
LIC MF ULIS
LIC MF ULIS shows potential but faces challenges in growth consistency and valuation metrics.
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K
Kotak FMP-292-1735D(IDCW)
The stock presents several risks with limited growth prospects and inconsistent financial performance.
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U
UTI Dynamic Bond Fund(A-IDCW)
The fund shows decent potential but faces challenges in profitability and valuation metrics.
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U
UTI Dynamic Bond Fund(H-IDCW)
The UTI Dynamic Bond Fund shows decent potential with stable growth and acceptable profitability metrics, but faces some execution risks.
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Business Overview
The LIC MF ULIS Regular Premium Reducing Cover HY 15Y (IDCW) is a unique investment plan that combines life insurance with wealth creation. Tailored for individuals seeking long-term financial security, this product offers a systematic approach to saving while ensuring coverage for loved ones. It matters because it provides a dual benefit of insurance and investment, making it a smart choice for future planning.
- Combines life insurance with investment growth
- Ideal for long-term financial security
- Offers systematic savings through regular premiums
- Reduces cover over time, aligning with financial goals
- Helps in wealth creation while ensuring loved ones are protected
Investment Thesis
LIC MF ULIS offers a compelling investment opportunity due to its strong promoter backing from LIC, a trusted name in the insurance sector. The fund is well-positioned to leverage the growing digital services landscape, enhancing customer engagement. With attractive valuations compared to its peers, this investment is poised for significant growth.
- Strong backing from LIC, ensuring credibility and trust.
- Significant growth potential in digital services enhancing customer reach.
- Attractive valuation compared to competitors, offering better entry points.
- Focus on long-term wealth creation through systematic investment.
- Robust performance history, indicating reliability and stability.
Opportunity vs Risk
Opportunities
- Long-term wealth creation potential
- Tax benefits on premiums paid
- Stable returns in market fluctuations
- Rising awareness of insurance products
Risks ⚠️
- Market volatility affecting returns
- Regulatory changes impacting policies
- High surrender charges on early withdrawal
- Limited liquidity compared to stocks
Peer Perspective
LIC MF ULIS is currently trading at a discount to peers like HDFC Life and SBI Life, primarily due to concerns over margin stability; a consistent improvement in margins could trigger a positive rerating.
📊 Stock Investment Checklist (100 Points)
LIC MF ULIS Regular Premium Reducing Cover HY 15Y(IDCW) • Updated: 2025-10-01 06:35:32
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10BusinessHighThe sector is stable but lacks significant growth potential.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profits.
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8ProfitabilityHighROE and OCF are below industry averages, indicating weaker profitability.
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9ValuationHighValuation metrics are higher compared to peers, suggesting overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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7GovernanceHighPromoter holding is decent, but there are some concerns regarding disclosures.
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5DriversGoodLimited growth drivers and potential execution risks.
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1TechnicalsLowWeak market sentiment and poor price action.
Final Score & Verdict
Score 48 / 100
• Risky
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.