Should I invest in LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2?

We don't give personal investment advice. LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.7%. 5-year CAGR: -0.01%.

LIC

LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION

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	+0.02%	-9.99%	+10.00	179 / 1129	Q1
1W	+0.10%	-13.04%	+13.13	261 / 1151	Q1
2W	+0.20%	-13.18%	+13.38	212 / 1149	Q1
1M	-0.86%	-13.26%	+12.40	562 / 1137	Q2
3M	+0.02%	-13.15%	+13.16	408 / 1116	Q2
6M	-0.02%	-15.45%	+15.43	494 / 906	Q3
YTD	-0.48%	-15.77%	+15.30	521 / 952	Q3
1Y	+0.01%	-13.09%	+13.09	448 / 820	Q3
2Y	0.00%	-12.72%	+12.72	291 / 446	Q3
3Y	-0.04%	-11.01%	+10.97	270 / 385	Q3
4Y	-0.02%	-6.52%	+6.50	247 / 339	Q3
5Y	-0.01%	-7.36%	+7.35	237 / 314	Q4
7Y	+0.00%	+2.53%	-2.53	200 / 234	Q4
10Y	—	—	—	—	—
Inception	—	—	—	—	—

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
2017 YTD	-0.48%	+1.63%	-2.10	112 / 137
2016	-0.17%	+3.02%	-3.19	160 / 181
2015	-0.21%	+2.22%	-2.43	182 / 216
2014	-0.13%	+5.51%	-5.64	213 / 240
2013	+0.11%	-1.95%	+2.07	146 / 276
2012	-0.12%	+1.38%	-1.50	253 / 295
2011	+0.15%	-3.16%	+3.31	162 / 317
2010	+0.11%	-5.78%	+5.89	242 / 377
2009	-3.48%	-12.86%	+9.38	520 / 713
2008	—	—	—	—

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

-0.11%

101 windows

min -3.2% · max 1.1%

37% positive

3-Year rolling

-0.08%

76 windows

min -1.1% · max 0.3%

34% positive

5-Year rolling

-0.05%

52 windows

min -0.6% · max 0.2%

37% positive

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

7-Year rolling

-0.03%

28 windows

min -0.5% · max 0.1%

43% 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

2.62%

3-year · annualised

Sharpe ratio

-2.47

vs risk-free 6.5%

Sortino ratio

-3.03

Downside-only deviation

Max drawdown

-1.92%

Feb 2015 → Aug 2015

% positive months

66.7%

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
29 Nov 2017	₹10.0223
28 Nov 2017	₹10.0208
27 Nov 2017	₹10.0193
24 Nov 2017	₹10.0154
23 Nov 2017	₹10.0142
22 Nov 2017	₹10.0127
21 Nov 2017	₹10.0112
20 Nov 2017	₹10.0097
17 Nov 2017	₹10.0052
16 Nov 2017	₹10.0037

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 INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION is a Income from LIC (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION has NAV history starting from 05 Sep 2008, a track record of about 17 years 9 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 INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION is managed by LIC. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION has delivered a absolute return of 0.01% — +13.09 pp ahead of the Income category average of -13.09%. The fund ranks #448 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION has delivered a CAGR of -0.04% — +10.97 pp ahead of the Income category average of -11.01%. The fund ranks #270 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION has delivered a CAGR of -0.01% — +7.35 pp ahead of the Income category average of -7.36%. The fund ranks #237 of 314 in its category — the bottom (Q4) quartile.

₹1 lakh invested in LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION exactly 5 years ago would be worth approximately ₹99,926 today — a multiplier of 1.00×, based on the 5-year CAGR of -0.01%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION over the last 5 years — total invested ₹600,000 — would be worth ₹596,242 today. That's an XIRR (money-weighted annualised return) of -0.25%.

LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹834,643 — XIRR -0.18%.

On a 5-year basis, LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION ranks #237 out of 314 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -7.36%; this fund delivered -0.01%.

The worst peak-to-trough decline LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION has experienced over the last 5-year window is 2.69% — its NAV fell from a high on 14 Nov 2013 to a low on 19 Aug 2015. 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 INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION averaged -0.05% (best 0.23%, worst -0.62%). 37% of rolling windows ended positive. The 5-year Sharpe ratio is -2.08 — negative risk-adjusted performance.

In calendar year 2016, LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION returned -0.17% — lagging the Income category average of 3.02% by 3.19 pp. It ranked #160 of 181 in its category that year.

LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. LICMF INTERVAL FUND - QUARTERLY PLAN - SERIES 2 - DIVIDEND OPTION is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.7%. 5-year CAGR: -0.01%.

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