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

Ticker: mf16522
Risky 48/100

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Business Overview

The LIC MF ULIS Regular Premium Uniform Cover Qtrly 10Y (IDCW) is a unique investment product designed for individuals seeking a balanced approach to wealth creation and insurance coverage. Ideal for long-term investors, this plan offers the dual benefit of life insurance and potential capital appreciation. It matters because it provides financial security while aiming for growth, making it a prudent choice for families planning for the future.

  • Combines life insurance with investment growth
  • Quarterly payouts enhance liquidity
  • Long-term investment horizon of 10 years
  • Backed by LIC's trusted brand
  • Suitable for family financial planning
  • Encourages disciplined savings habits

Investment Thesis

LIC MF ULIS offers a compelling investment opportunity backed by the strong credibility of LIC, a trusted name in the insurance sector. The fund's focus on digital services positions it well for growth, while its attractive valuation compared to peers enhances its appeal for retail investors seeking long-term gains.

  • Strong backing from LIC, ensuring reliability and trust.
  • Significant growth potential in digital services, tapping into a tech-savvy customer base.
  • Attractive valuation compared to industry peers, presenting a buying opportunity.
  • Well-structured product catering to diverse investor needs.
  • Consistent performance track record, instilling confidence among investors.

Opportunity vs Risk

Opportunities
  • Stable long-term investment option
  • Potential for steady income
  • Tax benefits on premiums
  • Rising demand for insurance products
  • Diversification for investment portfolio
Risks ⚠️
  • Market volatility affecting returns
  • Regulatory changes impacting policies
  • Interest rate fluctuations
  • Limited liquidity in the market
  • Dependence on economic conditions
📊 Stock Investment Checklist (100 Points)
LIC MF ULIS Regular Premium Uniform Cover Qtrly 10Y(IDCW) • Updated: 2025-10-01 06:37:02
  • 8
    Business
    High
    The sector is evolving with a focus on digital transformation, but faces competition.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with fluctuations in profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are moderate, with OCF showing some volatility.
  • 9
    Valuation
    High
    Valuation metrics are slightly above peers, indicating potential overvaluation.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity ratios need improvement.
  • 6
    Governance
    Good
    Promoter holding is stable, but there are concerns about transparency.
  • 5
    Drivers
    Good
    Growth drivers are present, but execution risks remain significant.
  • 1
    Technicals
    Low
    Market sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100 • Risky
The stock presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.