This product is suitable for investors who are seeking* :

Long term capital appreciation and current income.

Investment in equity and equity related securities, fixed income securities (debt and money market securities).

Risk - Moderately High.

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Investment Objective An open ended scheme which seeks to generate long term capital appreciation and offer Tax benefits u/s 80C of the Income Tax Act as well as additional benefits of a life cover and free accident insurance cover.
Terms of Investment A) Single Premium - 1) 5 Years 2) 10 Years
B) Regular Contribution - 1) 10 Years 2) 15 Years
Flexibility The Scheme offers the flexibility to switch among the various other schemes and options offered by LIC Mutual Fund, keeping in mind the changing investment needs.
Benchmark Index CRISIL Balanced Fund – Aggressive Index
Load Structure Entry Load – Nil
Exit Load -
» The Scheme has lock-in period of 3 years. At present, there is no exit load.
Asset Allocation Pattern
Under normal circumstances, the asset allocation pattern will be as follows Indicative allocations (% of total assets) Risk Profile
Instruments Minimum Maximum High/Medium/Low
Equity and equity related instruments 65 80 Medium to High
Debt / Money Market 20 35 Low to Medium

Depending upon the market conditions,market opportunities available,the political and economic factors and subject to the Regulations,the percentage investments of the fund may vary at times,based on the perception of the Fund Manager within the overall investment objective of the scheme.

Fund Manager Mr. Sachin Relekar (Equity Portfolio)
Mr. Marzban Irani (Debt Portfolio)
Plans Available Regular Plan and Direct Plan.
(The Regular and Direct plan will have a common portfolio)
Options Available Single Premium and Regular Contribution. Under each of these options, investment is under the Dividend Reinvestment Plan
Tax Benefits The income distributed by the scheme will be exempt from income tax u/s 10 (33) of IT Act in the hands of investors.Capital Gains Tax Benefits u/s 48 and 112 of the Income Tax Act,1961 are available. "LIFE AND ACCIDENT INSURANCE BENEFITS: Life Insurance cover under: Uniform Cover Option; Equal to Insurance Amount subject to maximum of Rs.15,00,000/-. Reducing Cover option equal to a balance of insurance amount subject to a maximum of Rs.14,00,000/- ( Rupees Fourteen Lakhs only). Single premium option equal to insurance amount subject to Maximum of Rs. 15,00,000/- (Rupees Fifteen Lakhs only). Free Personal benefit equal to life cover subject to a maximum of Rs. 1,00,000/-. For minor child and females with no regular or independent income, Life Insurance Cover will be equal to Insurance Amount subject to a maximum of Rs. 5 lakhs. Any amount invested above Rs. 5 lakhs will be treated as an additional contribution. Women who claim to have independent income will have to submit their IT returns for past 3 years in case they want the Insurance amount to be above Rs.5 lakhs for underwriting process.Final Reward on maturity.Under Regular Contribution option: 7.5% of Insurance amount under 10 year term and 10% of Insurance amount under 15 year term Under Single Premium option: 2.5% of Insurance Amount for 5 years term and 7.5% of the investment for 10 years term.The Final Reward is payable only at the time of maturity or death in the last year of the scheme,after receipt of all contributions under the Scheme.The AMC reserves the right to modify / annul the said final reward."
Minimum Investment: Regular Contribution Option - 1) Rs. 10000/- under 10 year and 15 year term. However, minimum SIP value should be Rs. 1000/- and Rs. 3000/- for Monthly and Quarterly respectively.
Single Premium Option : Rs. 10000/- and thereafter in multiples of Rs. 1000/- under both the 5 as well as the 10 year term
Applicable NAV The NAV applicable for purchase or redemption or switching of Units based on the time of the Business Day on which the application is time stamped.
Statutory Details: Sponsor: Life Insurance Corporation of India.
Investment Manager: LIC Mutual Fund Asset Management Ltd. CIN: U67190MH1994PLC077858

"*Mutual Fund investments are subject to market risks, read all scheme related documents carefully."