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

Ticker: mf16524
Decent 48/100

☆ Add to Watchlist

More Options

Business Overview

LIC MF ULIS Regular Premium Uniform Cover Qtrly 15Y (IDCW) is a unique investment solution designed for individuals seeking a blend of insurance and wealth creation. This product is ideal for those looking to secure their family's future while also aiming for long-term capital appreciation. It offers the dual benefit of life cover and potential returns, making it a smart choice for financial planning. With regular premium payments and quarterly dividends, it ensures consistent growth and protection.

  • Combines insurance and investment benefits
  • Ideal for long-term financial security
  • Regular premium payments for disciplined investing
  • Quarterly dividends for steady income
  • Managed by LIC Mutual Fund's expertise
  • Supports family protection and wealth growth

Investment Thesis

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

  • Strong promoter group: Backed by LIC, ensuring credibility and trust.
  • Digital services growth: Positioned to capitalize on the increasing shift towards online financial solutions.
  • Attractive valuation: Offers competitive pricing compared to peer funds, enhancing potential returns.
  • Long-term investment horizon: 15-year plan aligns with wealth accumulation goals.
  • Regular income potential: Quarterly IDCW provides consistent cash flow for investors.

Opportunity vs Risk

Opportunities
  • Stable returns over 15 years
  • Tax benefits on premiums
  • Growing demand for insurance products
  • Strong brand reputation
  • Diversified investment portfolio
Risks ⚠️
  • Market volatility impacts returns
  • Regulatory changes in insurance sector
  • Inflation affecting real returns
  • Long lock-in period
  • Limited liquidity options
📊 Stock Investment Checklist (100 Points)
LIC MF ULIS Regular Premium Uniform Cover Qtrly 15Y(IDCW) • Updated: 2025-10-01 16:13:35
  • 8
    Business
    High
    The sector is evolving with a focus on digitalization, but faces competition.
  • 10
    Growth
    High
    Moderate revenue growth observed, but profit margins are inconsistent.
  • 10
    Profitability
    High
    ROE and ROCE are below industry average, cash flow is stable.
  • 9
    Valuation
    High
    Valuation metrics are in line with peers, but growth potential is limited.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 6
    Governance
    Good
    Promoter holding is strong, but some concerns over disclosures.
  • 5
    Drivers
    Good
    Limited growth drivers identified, execution risks present.
  • 1
    Technicals
    Low
    Weak market sentiment and low liquidity observed.
Final Score & Verdict
Score 48 / 100 • Decent
The stock shows moderate potential but is hindered by inconsistent profitability and limited growth drivers.