Should I invest in LICMF Monthly Income Plan-Yearly Option?

We don't give personal investment advice. LICMF Monthly Income Plan-Yearly Option 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: 11.9%. 5-year CAGR: -0.93%.

LIC

LICMF Monthly Income Plan-Yearly Option

Latest NAV

₹11.6308

As of

8 Jun 2026

4,874 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	+0.28%	+13.72%	-13.45	9 / 35	Q2
1W	+0.34%	+7.55%	-7.21	7 / 37	Q1
2W	+0.50%	+7.57%	-7.07	5 / 37	Q1
1M	-0.55%	+2.97%	-3.51	15 / 37	Q2
3M	-6.91%	+8.97%	-15.88	35 / 35	Q4
6M	-7.36%	-2.30%	-5.06	33 / 33	Q4
YTD	-7.37%	-7.47%	+0.10	33 / 35	Q4
1Y	-5.30%	-2.27%	-3.03	22 / 33	Q3
2Y	-1.64%	+1.73%	-3.37	27 / 33	Q4
3Y	-0.70%	+3.63%	-4.33	30 / 33	Q4
4Y	-0.42%	+4.04%	-4.46	31 / 33	Q4
5Y	-0.93%	+3.29%	-4.22	27 / 33	Q4
7Y	+0.72%	+3.69%	-2.97	21 / 33	Q3
10Y	+0.44%	+3.21%	-2.77	21 / 33	Q3
Inception	+0.38%	+13.33%	-12.95	28 / 35	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	-7.37%	-1.86%	-5.51	33 / 33
2025	-0.79%	+1.83%	-2.62	23 / 33
2024	+1.98%	+6.68%	-4.70	29 / 33
2023	+0.83%	+6.65%	-5.82	30 / 33
2022	-4.76%	-0.18%	-4.58	30 / 33
2021	+1.29%	+0.64%	+0.65	28 / 35
2020	+9.66%	+5.49%	+4.17	12 / 33
2019	+1.36%	+2.15%	-0.79	17 / 33
2018	-4.06%	-3.43%	-0.62	19 / 33
2017	+0.87%	+4.29%	-3.42	20 / 33
2016	+2.66%	+4.98%	-2.32	20 / 33

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

+0.84%

234 windows

min -20.2% · max 17.6%

59% positive

3-Year rolling

+0.82%

210 windows

min -4.8% · max 5.8%

64% positive

5-Year rolling

+0.93%

185 windows

min -2.2% · max 3.4%

77% positive

7-Year rolling

+1.04%

161 windows

min -0.5% · max 2.6%

96% 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

7.22%

3-year · annualised

Sharpe ratio

-0.97

vs risk-free 6.5%

Sortino ratio

-1.07

Downside-only deviation

Max drawdown

-10.29%

Dec 2024 → Mar 2026

% 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.

Peers in Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC MF Monthly Income Plan-Long Term Plan-Growth Option	HDFC	₹82.3053	8 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	8 Jun 2026
SBI Magnum Monthly Income Plan - Growth	SBI	₹75.1505	8 Jun 2026
ICICI Prudential Income Multiplier Fund-Dividend option	ICICI Prudential	₹13.7175	8 Jun 2026
FT India Monthly Income Plan-Growth	Franklin Templeton	₹90.7383	8 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.1121	8 Jun 2026
DSP BlackRock Savings Manager Fund - Aggressive - Growth	DSP BlackRock	₹59.9003	8 Jun 2026
HSBC MIP - Savings - Dividend - Quarterly	HSBC	₹16.9847	8 Jun 2026
Canara Robeco Cigo-Growth Plan	Canara Robeco	₹96.4567	8 Jun 2026
UTI - MIS-ADVANTAGE-FLEXI DIVIDEND	UTI	₹43.7781	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹11.6308
5 Jun 2026	₹11.6430
4 Jun 2026	₹11.6108
3 Jun 2026	₹11.6065
2 Jun 2026	₹11.5999
1 Jun 2026	₹11.5866
29 May 2026	₹11.6040
27 May 2026	₹11.6189
26 May 2026	₹11.6256
25 May 2026	₹11.6335

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 Monthly Income Plan-Yearly Option is ₹11.6308. It's a Conservative Hybrid Fund from LIC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LICMF Monthly Income Plan-Yearly Option 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 Monthly Income Plan-Yearly Option is managed by LIC. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Monthly Income Plan-Yearly Option has delivered a absolute return of -5.30% — -3.03 pp behind the Conservative Hybrid Fund category average of -2.27%. The fund ranks #22 of 33 in its category — the third (Q3) quartile.

Over the trailing 3-year window, LICMF Monthly Income Plan-Yearly Option has delivered a CAGR of -0.70% — -4.33 pp behind the Conservative Hybrid Fund category average of 3.63%. The fund ranks #30 of 33 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, LICMF Monthly Income Plan-Yearly Option has delivered a CAGR of -0.93% — -4.22 pp behind the Conservative Hybrid Fund category average of 3.29%. The fund ranks #27 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in LICMF Monthly Income Plan-Yearly Option exactly 10 years ago would be worth approximately ₹104,525 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.44%. The category average over the same window would have grown ₹1 lakh to ₹137,211.

A ₹10,000 monthly SIP in LICMF Monthly Income Plan-Yearly Option over the last 5 years — total invested ₹600,000 — would be worth ₹568,635 today. That's an XIRR (money-weighted annualised return) of -2.11%.

A ₹10,000 monthly SIP for 10 years in LICMF Monthly Income Plan-Yearly Option = ₹1,200,000 invested. It would currently be worth ₹1,168,706 (multiplier 0.97×). XIRR: -0.52%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LICMF Monthly Income Plan-Yearly Option ranks #27 out of 33 funds in the Conservative Hybrid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.29%; this fund delivered -0.93%.

The worst peak-to-trough decline LICMF Monthly Income Plan-Yearly Option has experienced over the last 5-year window is 11.86% — its NAV fell from a high on 17 Jan 2022 to a low on 30 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 Monthly Income Plan-Yearly Option averaged 0.93% (best 3.43%, worst -2.22%). 77% of rolling windows ended positive. The 5-year Sharpe ratio is -1.04 — negative risk-adjusted performance.

In calendar year 2025, LICMF Monthly Income Plan-Yearly Option returned -0.79% — lagging the Conservative Hybrid Fund category average of 1.83% by 2.62 pp. It ranked #23 of 33 in its category that year.

LICMF Monthly Income Plan-Yearly Option 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 Monthly Income Plan-Yearly Option 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: 11.9%. 5-year CAGR: -0.93%.

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