Should I invest in LICMF TOP 100 FUND?

We don't give personal investment advice. LICMF TOP 100 FUND - GROWTH OPTION 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: 47.6%. 5-year CAGR: -0.58%.

LIC

LICMF TOP 100 FUND - GROWTH OPTION

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	+0.00%	+0.06%	-0.06	172 / 299	Q3
1W	+1.85%	-3.61%	+5.46	52 / 303	Q1
2W	+2.84%	-4.52%	+7.36	49 / 303	Q1
1M	+7.02%	-5.64%	+12.65	19 / 302	Q1
3M	+0.58%	-4.27%	+4.85	139 / 302	Q2
6M	+5.11%	+1.48%	+3.63	136 / 307	Q2
YTD	+0.38%	-0.18%	+0.56	146 / 309	Q2
1Y	+16.91%	+7.10%	+9.81	97 / 307	Q2
2Y	+2.61%	+2.20%	+0.41	155 / 303	Q3
3Y	+2.57%	+0.76%	+1.82	155 / 264	Q3
4Y	+9.00%	+0.58%	+8.41	82 / 235	Q2
5Y	-0.58%	+0.02%	-0.60	164 / 208	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-3.82%	+0.51%	-4.33	262 / 310	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
2013 YTD	+0.38%	+0.03%	+0.35	82 / 154
2012	+28.90%	+23.57%	+5.33	76 / 190
2011	-29.00%	-23.68%	-5.32	198 / 241
2010	—	—	—	—
2009	+53.47%	+65.86%	-12.39	181 / 238
2008	-49.60%	-52.86%	+3.26	43 / 198

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

+5.71%

53 windows

min -47.9% · max 67.4%

60% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+3.13%

29 windows

min -5.2% · max 16.5%

69% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

-1.59%

5 windows

min -4.0% · max -0.3%

0% positive

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

7-Year rolling

—

Insufficient history

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

18.84%

3-year · annualised

Sharpe ratio

-0.15

vs risk-free 6.5%

Sortino ratio

-0.25

Downside-only deviation

Max drawdown

-32.37%

Nov 2010 → Dec 2011

% positive months

44.4%

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
6 May 2013	₹8.3568
3 May 2013	₹8.3298
2 May 2013	₹8.3897
30 Apr 2013	₹8.2845
29 Apr 2013	₹8.2053
26 Apr 2013	₹8.1588
25 Apr 2013	₹8.2292
23 Apr 2013	₹8.1347
22 Apr 2013	₹8.1259
18 Apr 2013	₹8.0727

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 TOP 100 FUND - GROWTH OPTION 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 TOP 100 FUND - GROWTH OPTION has NAV history starting from 09 Jan 2008, a track record of about 18 years 5 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 TOP 100 FUND - GROWTH OPTION 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 TOP 100 FUND - GROWTH OPTION has delivered a absolute return of 16.91% — +9.81 pp ahead of the Growth category average of 7.10%. The fund ranks #97 of 307 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LICMF TOP 100 FUND - GROWTH OPTION has delivered a CAGR of 2.57% — +1.82 pp ahead of the Growth category average of 0.76%. The fund ranks #155 of 264 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LICMF TOP 100 FUND - GROWTH OPTION has delivered a CAGR of -0.58% — -0.6 pp behind the Growth category average of 0.02%. The fund ranks #164 of 208 in its category — the bottom (Q4) quartile.

₹1 lakh invested in LICMF TOP 100 FUND - GROWTH OPTION exactly 5 years ago would be worth approximately ₹97,132 today — a multiplier of 0.97×, based on the 5-year CAGR of -0.58%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in LICMF TOP 100 FUND - GROWTH OPTION over the last 5 years — total invested ₹600,000 — would be worth ₹688,813 today. That's an XIRR (money-weighted annualised return) of 5.46%.

LICMF TOP 100 FUND - GROWTH OPTION doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹688,813 — XIRR 5.46%.

On a 5-year basis, LICMF TOP 100 FUND - GROWTH OPTION ranks #164 out of 208 funds in the Growth category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.02%; this fund delivered -0.58%.

The worst peak-to-trough decline LICMF TOP 100 FUND - GROWTH OPTION has experienced over the last 5-year window is 47.58% — its NAV fell from a high on 06 May 2008 to a low on 20 Nov 2008. 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 TOP 100 FUND - GROWTH OPTION averaged -1.59% (best -0.27%, worst -4.05%). 0% of rolling windows ended positive. The 5-year Sharpe ratio is -0.12 — negative risk-adjusted performance.

In calendar year 2012, LICMF TOP 100 FUND - GROWTH OPTION returned 28.90% — beating the Growth category average of 23.57% by 5.33 pp. It ranked #76 of 190 in its category that year.

LICMF TOP 100 FUND - GROWTH OPTION 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 TOP 100 FUND - GROWTH OPTION 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: 47.6%. 5-year CAGR: -0.58%.

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