Should I invest in LIC MF Dividend Yield Fund?

We don't give personal investment advice. LIC MF Dividend Yield Fund-Direct Plan-IDCW is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding.

LIC

LIC MF Dividend Yield Fund-Direct Plan-IDCW

Latest NAV

₹35.5517

As of

17 Jul 2026

728 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	+0.21%	+0.36%	-0.14	7 / 12	Q3
1W	-0.28%	+0.01%	-0.29	10 / 12	Q4
2W	-0.24%	-0.02%	-0.22	10 / 12	Q4
1M	+1.47%	+0.56%	+0.91	3 / 12	Q1
3M	+7.12%	+1.44%	+5.69	1 / 12	Q1
6M	+8.03%	-2.19%	+10.23	1 / 12	Q1
YTD	+5.43%	-2.99%	+8.42	1 / 11	Q1
1Y	+4.86%	-1.02%	+5.88	3 / 11	Q2
2Y	+4.20%	-2.64%	+6.84	1 / 10	Q1
3Y	+19.62%	+11.16%	+8.46	1 / 10	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+19.88%	+9.33%	+10.55	1 / 12	Q1

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	+5.43%	-2.99%	+8.42	1 / 11
2025	+3.43%	+2.90%	+0.53	5 / 11
2024	+32.76%	+15.42%	+17.34	1 / 10
2023	—	—	—	—

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

+18.44%

25 windows

min -1.5% · max 64.1%

92% positive

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

3-Year rolling

—

Insufficient history

5-Year rolling

—

Insufficient history

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

16.36%

3-year · annualised

Sharpe ratio

0.79

vs risk-free 6.5%

Sortino ratio

1.38

Downside-only deviation

Max drawdown

-20.45%

Oct 2024 → Feb 2025

% positive months

69.4%

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.

Peers in Dividend Yield Fund

Scheme	Fund house	NAV	As of
HDFC Dividend Yield Fund - IDCW Option Direct Plan	HDFC	₹21.7460	17 Jul 2026
SBI Dividend Yield Fund - Direct Plan - Income Distribution cum Capital Withdrawal (IDCW) Option	SBI	₹16.0366	17 Jul 2026
ICICI Prudential Dividend Yield Equity Fund Direct Plan IDCW Option	ICICI Prudential	₹25.5100	17 Jul 2026
Aditya Birla Sun Life Dividend Yield Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹46.1500	17 Jul 2026
Franklin India Dividend Yield Fund - Direct - IDCW	Franklin India	₹26.8008	17 Jul 2026
Kotak Dividend Yield Fund - Direct - IDCW	Kotak	₹9.8040	17 Jul 2026
Baroda BNP Paribas Dividend Yield Fund - Direct Plan - IDCW Option	Baroda BNP Paribas	₹9.9064	17 Jul 2026
UTI Dividend Yield Fund - Direct Plan - IDCW	UTI	₹40.2790	17 Jul 2026
Sundaram Dividend Yield Fund (Formerly Known as Principal Dividend Yield Fund)- Direct Plan - Income Distribution CUM Capital Withdrawal Option	Sundaram	₹60.7606	17 Jul 2026
Tata Dividend Yield Fund-Direct Plan-IDCW Payout	Tata	₹21.3537	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹35.5517
16 Jul 2026	₹35.4768
15 Jul 2026	₹35.4586
14 Jul 2026	₹35.4065
13 Jul 2026	₹35.6019
10 Jul 2026	₹35.6530
9 Jul 2026	₹35.3865
8 Jul 2026	₹35.0144
7 Jul 2026	₹35.6810
6 Jul 2026	₹35.8602

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 17 Jul 2026, the NAV of LIC MF Dividend Yield Fund-Direct Plan-IDCW is ₹35.5517. It's a Dividend Yield Fund from LIC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LIC MF Dividend Yield Fund-Direct Plan-IDCW has NAV history starting from 31 Jul 2023, a track record of about 2 years 11 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

LIC MF Dividend Yield Fund-Direct Plan-IDCW is managed by LIC. It's classified by AMFI under the 'Dividend Yield Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LIC MF Dividend Yield Fund-Direct Plan-IDCW has delivered a absolute return of 4.86% — +5.88 pp ahead of the Dividend Yield Fund category average of -1.02%. The fund ranks #3 of 11 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LIC MF Dividend Yield Fund-Direct Plan-IDCW has delivered a CAGR of 19.62% — +8.46 pp ahead of the Dividend Yield Fund category average of 11.16%. The fund ranks #1 of 10 in its category — the top (Q1) quartile.

LIC MF Dividend Yield Fund-Direct Plan-IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in LIC MF Dividend Yield Fund-Direct Plan-IDCW exactly 3 years ago would be worth approximately ₹171,168 today — a multiplier of 1.71×, based on the 3-year CAGR of 19.62%. The category average over the same window would have grown ₹1 lakh to ₹137,352.

A ₹10,000 monthly SIP in LIC MF Dividend Yield Fund-Direct Plan-IDCW over the last 1 year — total invested ₹120,000 — would be worth ₹127,491 today. That's an XIRR (money-weighted annualised return) of 11.77%.

LIC MF Dividend Yield Fund-Direct Plan-IDCW doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹127,491 — XIRR 11.77%.

On a 3-year basis, LIC MF Dividend Yield Fund-Direct Plan-IDCW ranks #1 out of 10 funds in the Dividend Yield Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 11.16%; this fund delivered 19.62%.

The worst peak-to-trough decline LIC MF Dividend Yield Fund-Direct Plan-IDCW has experienced over the last 3-year window is 20.45% — its NAV fell from a high on 01 Oct 2024 to a low on 28 Feb 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

The 3-year Sharpe ratio is 0.79 — reasonable risk-adjusted performance.

In calendar year 2025, LIC MF Dividend Yield Fund-Direct Plan-IDCW returned 3.43% — beating the Dividend Yield Fund category average of 2.90% by 0.53 pp. It ranked #5 of 11 in its category that year.

LIC MF Dividend Yield Fund-Direct Plan-IDCW is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. LIC MF Dividend Yield Fund-Direct Plan-IDCW is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding.

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

LIC MF Dividend Yield Fund-Direct Plan-IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dividend Yield Fund

Recent NAVs

Frequently asked questions

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