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

Ticker: mf16532

Decent 63/100

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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.

DSP Nifty Midcap 150 Quality 50 Index Fund(IDCW)

Score 66/100 Decent

The DSP Nifty Midcap 150 Quality 50 Index Fund presents a decent investment opportunity with a focus on quality midcap stocks, though some risks and valuation concerns exist.

Business Overview

LIC MF ULIS Regular Premium Uniform Cover HY 15Y (IDCW) is a long-term investment plan designed to provide financial security and growth through a balanced approach. Ideal for individuals seeking a combination of insurance and investment, this product ensures your family’s future while also aiming for capital appreciation. With a focus on disciplined savings, it offers the potential for attractive returns over 15 years, making it a smart choice for those looking to build wealth steadily.

Long-term investment horizon of 15 years
Combines insurance and investment benefits
Aims for capital appreciation
Disciplined savings approach
Ideal for family financial security
Managed by LIC Mutual Fund experts

Investment Thesis

LIC MF ULIS offers a compelling investment opportunity with the credibility of a strong promoter group, a robust growth trajectory in digital services, and attractive valuations compared to its peers. This combination positions it well for long-term returns, making it an appealing choice for Indian retail investors.

Strong backing from LIC, a trusted name in the Indian insurance sector.
Significant growth potential in digital services enhancing customer experience.
Attractive valuation metrics compared to industry peers, indicating potential upside.
Focus on long-term wealth creation through disciplined investment strategies.
Alignment with India's growing insurance penetration and financial literacy initiatives.

Opportunity vs Risk

Opportunities

Stable long-term returns expected
Tax benefits on premiums paid
Growing insurance market in India
Increased awareness of life insurance
Potential for higher policyholder engagement

Risks ⚠️

Market volatility affecting returns
Regulatory changes impacting operations
High competition in insurance sector
Interest rate fluctuations
Economic downturns affecting premiums

📊 Stock Investment Checklist (100 Points)

LIC MF ULIS Regular Premium Uniform Cover HY 15Y(IDCW) • Updated: 2025-10-01 06:36:35

10

Business
High

The sector is evolving but lacks a clear moat.
10

Growth
High

Inconsistent revenue and profit growth observed.
8

Profitability
High

ROE and OCF are below industry averages.
10

Valuation
High

Valuation metrics are on the higher side compared to peers.
7

Balance
High

Moderate debt levels with reasonable liquidity.
6

Governance
Good

Promoter holding is stable, but disclosures could improve.
5

Drivers
Good

Limited growth catalysts identified.
5

Technicals
Good

Weak momentum and liquidity in the market.

Final Score & Verdict

Score 63 / 100 • Decent

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