LIC MF Consumption Fund: Focused
strategy built on six key growth drivers..!
LIC
MF Consumption Fund – Introduction
Focused
on Consumption Led Growth
Investment Objective
- The
investment objective of the Scheme is to achieve long term capital
appreciation by predominantly investing in equity and equity related
instruments of companies following consumption theme.
- There
is no assurance that the investment objective of the Scheme will be
achieved.
Investment
Strategy
India’s
consumption story is accelerating, driven by rising incomes, lifestyle
upgrades, and a shift to organized sectors. LIC MF Consumption Fund seeks to
harness these structural trends through a focused strategy built on six key
growth drivers.
Urbanization
- Focus on sectors
enhancing quality of life: Conveyance, Travel, Education, Healthcare,
Insurance, etc.
Income
Growth
- Rising
disposable income shifts consumption from needs to wants
- Increased
spending on discretionary and experiential categories
Premiumization
- Driven by rising
aspirations and affluence
- Premium
categories (e.g., Hospitality, Travel and Tourism, and Consumer Durables)
expected to grow faster than mass-market segments
Formalization
& Consolidation
- Shift from
unorganized to organized markets
- Transition from
unbranded to branded consumption
Lifestyle
Upgrades
- Demand for
luxury homes, premium cars, high-end gadgets (e.g., Premium phones,
watches)
Technology
& Digitization
- Surge in online
shopping, quick commerce (QCOM), online gaming, and fintech adoption
- Digital
platforms reshaping consumer behavior
Why
LIC MF Consumption Fund?
Direct
Play on India’s Growth Engine
Invests
in companies benefiting from growing consumption in India, a space which fuels
India's growth.
Resilience
Across Market Cycles
Consumption
remains steady even during economic slowdowns and global uncertainty.
U.P.L.I.F.T
- Driven Strategy
Focuses
on Urbanization, Premiumization, Lifestyle upgrades, rising Income,
Formalization, and Technology adoption.
Capturing
India’s Consumption Revival
Strategically
positioned to benefit from rising discretionary spending driven by tax cuts,
low interest rates, Pay Commission payouts, and welfare-led demand.
Diversified
Yet Focused Portfolio
Actively
managed portfolio offering broad exposure to the sectors related to consumption.
Quality
Market Cap-Agnostic Strategy
Invests
across large, mid, and small caps with a focus on companies showing high Return
on Equity (ROE), and long-term growth potential.
Consumption Trend Seekers
Ideal
for those looking to tap into India’s consumption boom driven by rising income,
urbanisation, and evolving lifestyles.
Portfolio Diversifiers
Suitable
for investors aiming to complement core equity holdings with a high-growth
thematic fund.
Long-Term Growth Riders
Best
for individuals with a 5+ year horizon who want to benefit from multi-year
economic and lifestyle megatrends
Investors with High risk appetite
For
investors who are comfortable with market volatility and seeking returns from
discretionary consumption growth.
Special Products
Systematic Investment Plan (including SIP Pause*, SIP Step up Facility,
Micro SIP)
Systematic Transfer Plan (Fixed Systematic Transfer Plan and Capital
Appreciation STP facility)*
Systematic Withdrawal Plan* (Monthly, Quarterly, Half Yearly and Yearly
Option)
Automatic withdrawal of Capital Appreciation*
Special Facilities
Facility
to transfer Dividend (IDCW)
Auto
Switch Facility*
The
Investors will have an option to cancel the SIP, STP/SWP during the ongoing
offer period, for details in this regard, please refer Statement of Additional
Information.
Note: The SIP start date in case of
NFO registration shall be after the Scheme reopening date.
*Available
only during New Fund Offer Period. | For further details of above special
products / facilities, kindly refer SAI (Statement of Additional Information)
Asset
Allocation
Under normal circumstances, the asset
allocation of the Scheme would be as follows:
|
Instruments |
Indicative
allocations (% of total assets) |
|
|
Minimum
|
Maximum
|
|
|
Equity and equity related instruments of companies
following Consumption theme |
80 |
100 |
|
Equity and equity related instruments of other than
above companies |
0 |
20 |
|
Debt * and Money market instruments |
0 |
20 |
|
Units issued by REITs and InvITs |
0 |
10 |
*Debt
securities include securitised debt upto 20%. Please refer the Scheme
Information Document for detailed asset allocation pattern.
Load
Structure
Exit Load -
1. If units are redeemed
/ switched-out within 90 days from allotment:
a. Upto 12% of the
units: No exit load will be levied.
b. Above 12% of the
units: Exit load of 1% will be levied.
2. If units are redeemed
/ switched-out after 90 days from allotment:No exit load will be levied.
Minimum
Application Amount
Lumpsum
Application Amount (Other than fresh purchase through SIP) – Rs. 5,000/- and in
multiples of Rs.1 thereafter.
SIP*
Amount -
1. Daily – Rs. 100/- and in
multiples of Rs.1/- thereafter.
2. Monthly – Rs. 200/- and in
multiples of Rs.1/- thereafter
3. Quarterly – Rs. 1,000/- and in
multiples of Rs.1/- thereafter
*SIP Start
date shall be after re-opening date of the scheme
Benchmark
Index
Nifty
India Consumption Total Return Index (TRI)
The Scheme has the following Options:
1.
Growth Option
2.
Income Distribution cum Capital Withdrawal (IDCW) Option*
IDCW Sub Options are:
1. Reinvestment of
Income Distribution cum Capital Withdrawal Option.
2. Payout of Income
Distribution cum Capital Withdrawal Option
Default
Option/ Sub option - Growth Option - (In case Growth Option or IDCW Option/ Sub
option is not indicated)
*Amounts under IDCW option can be distributed
out of investors capital (equalization reserve), which is part of sale price
that represents realized gains. For detailed disclosure on default plans and
options, kindly refer SAI (Statement of Additional Information).
NFO period: 2025 October 31 to November 14.
Product Labelling
As per AMFI Tier 1 Benchmark Riskometer i.e. Nifty India Consumption Index (TRI) #
Scheme Riskometer #
 |
Benchmark Riskometer |
\
This product is suitable for investors who are seeking*:
- Capital appreciation over long term
- Investment predominantly in equity and equity related instruments of companies following consumption theme.
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them #The above product labelling assigned during the New Fund Offer (NFO) is based on internal assessment of the scheme characteristics or model portfolio and the same may vary post NFO when the actual investments are made. The Riskometer of the Benchmark as on 30th September 2025.
For more details and investment..!
Mr. K P Venkatarama
Krishnan,
Founder, Viruksham
Finmart Private Ltd
Chennai
E - Mail:
kpvenkat02@gmail.com
Cell Number: 98410
34997
Read articles written by Mr. K P Venkatarama Krishnan in Nanayam
Vikatan, a leading personal finance magazine.
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme
related documents carefully. The past performance of the mutual funds is not
necessarily indicative of future performance of the schemes.
