Should I invest in LICMF Balanced Fund?

We don't give personal investment advice. LICMF Balanced Fund-Dividend is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.1%. 5-year CAGR: 0.05%.

LIC

LICMF Balanced Fund-Dividend

Latest NAV

₹14.4999

As of

8 Jun 2026

4,925 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.03%	+10.24%	-10.27	31 / 37	Q4
1W	-0.23%	+9.79%	-10.01	9 / 37	Q1
2W	-1.73%	+9.53%	-11.26	32 / 37	Q4
1M	-2.69%	+8.19%	-10.88	21 / 37	Q3
3M	-2.07%	+8.75%	-10.82	23 / 37	Q3
6M	-9.12%	+5.17%	-14.29	25 / 36	Q3
YTD	-8.82%	+4.74%	-13.57	27 / 36	Q3
1Y	-10.06%	+6.65%	-16.70	30 / 36	Q4
2Y	-3.79%	+4.49%	-8.28	31 / 36	Q4
3Y	+1.75%	+9.30%	-7.55	30 / 36	Q4
4Y	+1.65%	+9.28%	-7.63	31 / 35	Q4
5Y	+0.05%	+8.14%	-8.09	30 / 33	Q4
7Y	+0.71%	+8.78%	-8.07	28 / 30	Q4
10Y	+0.89%	+7.70%	-6.80	26 / 28	Q4
Inception	+0.07%	+7.14%	-7.07	33 / 37	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-8.82%	-6.79%	-2.03	22 / 31
2025	-2.61%	+13.04%	-15.65	27 / 34
2024	+7.80%	+11.71%	-3.91	24 / 34
2023	+10.41%	+15.66%	-5.26	26 / 34
2022	-10.35%	+1.00%	-11.35	31 / 34
2021	+6.96%	+21.44%	-14.48	30 / 34
2020	+1.99%	+9.68%	-7.69	27 / 34
2019	+2.83%	+3.54%	-0.71	16 / 32
2018	-13.41%	-7.66%	-5.75	27 / 32
2017	+11.53%	+16.43%	-4.90	24 / 32
2016	+2.60%	+2.00%	+0.60	16 / 26

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+2.73%

234 windows

min -47.1% · max 44.6%

59% positive

3-Year rolling

+2.14%

210 windows

min -16.7% · max 14.0%

71% positive

5-Year rolling

+2.15%

185 windows

min -6.8% · max 9.8%

72% positive

7-Year rolling

+2.16%

161 windows

min -2.0% · max 8.8%

89% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

10.73%

3-year · annualised

Sharpe ratio

-0.39

vs risk-free 6.5%

Sortino ratio

-0.58

Downside-only deviation

Max drawdown

-22.11%

Sep 2024 → Mar 2026

% positive months

55.6%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Aggressive Hybrid Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA AGGRESSIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	8 Jun 2026
SBI Magnum Balanced Fund - Dividend	SBI	₹64.4478	8 Jun 2026
ICICI Prudential Balanced Plan-Dividend	ICICI Prudential	₹41.6400	8 Jun 2026
FT India Balanced Fund-Dividend Plan	Franklin Templeton	₹27.3762	8 Jun 2026
Kotak Balance	Kotak Mahindra	₹36.4680	8 Jun 2026
DSP BlackRock Balanced Fund-Dividend	DSP BlackRock	₹26.1270	8 Jun 2026
Canara Robeco Balance - Dividend Plan	Canara Robeco	₹88.8400	8 Jun 2026
UTI â€“ Balanced Fund-Growth	UTI	₹390.3655	8 Jun 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.3700	5 Jun 2026
Birla Sun Life 95 Fund-Plan A (Dividend)	Birla Sun Life	₹162.6100	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹14.4999
5 Jun 2026	₹14.6087
4 Jun 2026	₹14.6130
3 Jun 2026	₹14.5652
2 Jun 2026	₹14.6015
1 Jun 2026	₹14.5571
29 May 2026	₹14.6417
27 May 2026	₹14.7842
26 May 2026	₹14.8125
25 May 2026	₹14.9848

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 08 Jun 2026, the NAV of LICMF Balanced Fund-Dividend is ₹14.4999. It's a Aggressive Hybrid Fund from LIC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LICMF Balanced Fund-Dividend has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

LICMF Balanced Fund-Dividend is managed by LIC. It's classified by AMFI under the 'Aggressive Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Balanced Fund-Dividend has delivered a absolute return of -10.06% — -16.7 pp behind the Aggressive Hybrid Fund category average of 6.65%. The fund ranks #30 of 36 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LICMF Balanced Fund-Dividend has delivered a CAGR of 1.75% — -7.55 pp behind the Aggressive Hybrid Fund category average of 9.30%. The fund ranks #30 of 36 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, LICMF Balanced Fund-Dividend has delivered a CAGR of 0.05% — -8.09 pp behind the Aggressive Hybrid Fund category average of 8.14%. The fund ranks #30 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in LICMF Balanced Fund-Dividend exactly 10 years ago would be worth approximately ₹109,305 today — a multiplier of 1.09×, based on the 10-year CAGR of 0.89%. The category average over the same window would have grown ₹1 lakh to ₹209,929.

A ₹10,000 monthly SIP in LICMF Balanced Fund-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹585,162 today. That's an XIRR (money-weighted annualised return) of -0.98%.

A ₹10,000 monthly SIP for 10 years in LICMF Balanced Fund-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,219,099 (multiplier 1.02×). XIRR: 0.31%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LICMF Balanced Fund-Dividend ranks #30 out of 33 funds in the Aggressive Hybrid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.14%; this fund delivered 0.05%.

The worst peak-to-trough decline LICMF Balanced Fund-Dividend has experienced over the last 5-year window is 22.11% — its NAV fell from a high on 26 Sep 2024 to a low on 31 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, LICMF Balanced Fund-Dividend averaged 2.15% (best 9.79%, worst -6.84%). 72% of rolling windows ended positive. The 5-year Sharpe ratio is -0.51 — negative risk-adjusted performance.

In calendar year 2025, LICMF Balanced Fund-Dividend returned -2.61% — lagging the Aggressive Hybrid Fund category average of 13.04% by 15.65 pp. It ranked #27 of 34 in its category that year.

LICMF Balanced Fund-Dividend is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. LICMF Balanced Fund-Dividend is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.1%. 5-year CAGR: 0.05%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.