Should I invest in LICMF Index Fund-Sensex Advantage?

We don't give personal investment advice. LICMF Index Fund-Sensex Advantage-Dividend is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 27.6%. 5-year CAGR: 9.98%.

LIC

LICMF Index Fund-Sensex Advantage-Dividend

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	-0.17%	+0.06%	-0.23	206 / 299	Q3
1W	+0.08%	-3.61%	+3.69	138 / 303	Q2
2W	+0.19%	-4.52%	+4.71	134 / 303	Q2
1M	+1.88%	-5.64%	+7.51	94 / 302	Q2
3M	+4.72%	-4.27%	+8.99	89 / 302	Q2
6M	+0.62%	+1.48%	-0.86	171 / 307	Q3
YTD	+5.55%	-0.18%	+5.73	117 / 309	Q2
1Y	+13.80%	+7.10%	+6.69	120 / 307	Q2
2Y	+25.51%	+2.20%	+23.31	34 / 303	Q1
3Y	+18.61%	+0.76%	+17.85	34 / 264	Q1
4Y	+14.74%	+0.58%	+14.16	32 / 235	Q1
5Y	+9.98%	+0.02%	+9.96	53 / 208	Q2
7Y	+7.77%	+3.12%	+4.66	61 / 130	Q2
10Y	—	—	—	—	—
Inception	+3.63%	+0.51%	+3.12	182 / 310	Q3

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
2015 YTD	+5.55%	-3.94%	+9.49	11 / 99
2014	+31.24%	+34.59%	-3.35	80 / 133
2013	+8.62%	+0.03%	+8.60	11 / 154
2012	+26.09%	+23.57%	+2.52	100 / 190
2011	-24.19%	-23.68%	-0.51	123 / 241
2010	—	—	—	—
2009	+70.86%	+65.86%	+5.00	111 / 238
2008	-55.02%	-52.86%	-2.16	89 / 198
2007	+10.16%	+42.91%	-32.76	125 / 137
2006	—	—	—	—

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

+6.55%

102 windows

min -56.5% · max 82.0%

67% positive

3-Year rolling

+3.74%

78 windows

min -15.8% · max 21.1%

56% positive

5-Year rolling

+3.00%

54 windows

min -7.5% · max 14.7%

56% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+2.37%

29 windows

min -2.2% · max 8.4%

72% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

14.35%

3-year · annualised

Sharpe ratio

0.82

vs risk-free 6.5%

Sortino ratio

1.78

Downside-only deviation

Max drawdown

-11.37%

Jul 2013 → Aug 2013

% positive months

63.9%

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.

Recent NAVs

Date	NAV
7 Aug 2015	₹18.3813
6 Aug 2015	₹18.4125
5 Aug 2015	₹18.3735
4 Aug 2015	₹18.2772
3 Aug 2015	₹18.3516
31 Jul 2015	₹18.3670
30 Jul 2015	₹18.1060
29 Jul 2015	₹18.0256
28 Jul 2015	₹17.9331
27 Jul 2015	₹17.9930

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.

LICMF Index Fund-Sensex Advantage-Dividend is a Growth from LIC (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

LICMF Index Fund-Sensex Advantage-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 Index Fund-Sensex Advantage-Dividend is managed by LIC. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Index Fund-Sensex Advantage-Dividend has delivered a absolute return of 13.80% — +6.69 pp ahead of the Growth category average of 7.10%. The fund ranks #120 of 307 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LICMF Index Fund-Sensex Advantage-Dividend has delivered a CAGR of 18.61% — +17.85 pp ahead of the Growth category average of 0.76%. The fund ranks #34 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, LICMF Index Fund-Sensex Advantage-Dividend has delivered a CAGR of 9.98% — +9.96 pp ahead of the Growth category average of 0.02%. The fund ranks #53 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in LICMF Index Fund-Sensex Advantage-Dividend exactly 5 years ago would be worth approximately ₹160,905 today — a multiplier of 1.61×, based on the 5-year CAGR of 9.98%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in LICMF Index Fund-Sensex Advantage-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹871,135 today. That's an XIRR (money-weighted annualised return) of 14.89%.

LICMF Index Fund-Sensex Advantage-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,330,547 — XIRR 12.91%.

On a 5-year basis, LICMF Index Fund-Sensex Advantage-Dividend ranks #53 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 9.98%.

The worst peak-to-trough decline LICMF Index Fund-Sensex Advantage-Dividend has experienced over the last 5-year window is 27.62% — its NAV fell from a high on 09 Nov 2010 to a low on 20 Dec 2011. 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 Index Fund-Sensex Advantage-Dividend averaged 3.00% (best 14.68%, worst -7.54%). 56% of rolling windows ended positive. The 5-year Sharpe ratio is 0.28 — weak risk-adjusted performance.

In calendar year 2014, LICMF Index Fund-Sensex Advantage-Dividend returned 31.24% — lagging the Growth category average of 34.59% by 3.35 pp. It ranked #80 of 133 in its category that year.

LICMF Index Fund-Sensex Advantage-Dividend doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

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

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 27.6%. 5-year CAGR: 9.98%.

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