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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 Hybrid 35 + 65 - Aggressive Index
Load Structure Entry Load – Nil (3 years lock-in period)
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

Note: Debt includes Government Securities & securitised debt

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.
Minimum Investment Regular Contribution Option - 1) Rs. 10000/- under 10 year term 2) Rs. 10000/- under the 15 year term Single Premium Option: Rs. 10000/- and thereafter in multiples of Rs. 1000/- under both the 5 as well as the 10 year term. The Target amount is equivalent to Insurance Cover. The maximum Insurance cover is Rs. 15,00,000. Over and above Target Amount, Additional Contribution can be made where there is no limit.
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."

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