Should I invest in LIC MF ELSS Tax Saver?

We don't give personal investment advice. LIC MF ELSS Tax Saver-Regular 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. Worst 5-year drawdown: 20.5%. 5-year CAGR: 7.49%.

LIC

LIC MF ELSS Tax Saver-Regular Plan-IDCW

Latest NAV

₹30.3756

As of

24 Jul 2026

4,959 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	-0.24%	-2.26%	+2.01	57 / 90	Q3
1W	-2.13%	-4.09%	+1.96	72 / 87	Q4
2W	-2.13%	-4.51%	+2.39	68 / 87	Q4
1M	-1.25%	-5.21%	+3.96	48 / 87	Q3
3M	+1.70%	-3.51%	+5.21	38 / 87	Q2
6M	-1.11%	-0.11%	-1.00	56 / 89	Q3
YTD	-6.18%	-3.87%	-2.31	62 / 89	Q3
1Y	-5.79%	+1.67%	-7.46	67 / 87	Q4
2Y	-1.82%	-0.94%	-0.88	59 / 86	Q3
3Y	+8.41%	+5.34%	+3.07	52 / 81	Q3
4Y	+9.50%	+8.00%	+1.50	52 / 78	Q3
5Y	+7.49%	+6.78%	+0.70	57 / 77	Q3
7Y	+9.08%	+9.69%	-0.61	52 / 75	Q3
10Y	+6.65%	+7.87%	-1.21	51 / 69	Q3
Inception	+3.93%	+5.90%	-1.97	70 / 91	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	-6.18%	-4.60%	-1.58	32 / 47
2025	+0.17%	+1.54%	-1.37	29 / 47
2024	+21.55%	+18.17%	+3.37	17 / 47
2023	+21.73%	+23.46%	-1.72	33 / 49
2022	-5.50%	+0.75%	-6.25	44 / 52
2021	+20.26%	+28.91%	-8.65	44 / 54
2020	+4.09%	+11.40%	-7.32	45 / 56
2019	+5.43%	+2.03%	+3.40	22 / 59
2018	-9.25%	-9.68%	+0.43	33 / 61
2017	+22.65%	+29.95%	-7.30	49 / 65
2016	+2.65%	-0.31%	+2.96	30 / 70

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

+7.10%

236 windows

min -62.4% · max 78.9%

65% positive

3-Year rolling

+6.79%

211 windows

min -21.2% · max 25.0%

82% positive

5-Year rolling

+6.76%

187 windows

min -6.8% · max 18.8%

84% positive

7-Year rolling

+6.65%

163 windows

min -4.8% · max 16.3%

94% 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

12.74%

3-year · annualised

Sharpe ratio

0.16

vs risk-free 6.5%

Sortino ratio

0.24

Downside-only deviation

Max drawdown

-18.82%

Sep 2024 → Mar 2026

% 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.

Peers in ELSS

Scheme	Fund house	NAV	As of
HDFC ELSS Tax saver - Growth Plan	HDFC	₹1,355.4920	24 Jul 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹20.2789	24 Jul 2026
SBI ELSS Tax Saver Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹87.5266	24 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Growth	ICICI Prudential	₹920.2700	24 Jul 2026
Quantum ELSS Tax Saver Fund - Direct Plan Growth Option	Quantum	₹124.5200	24 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹30.0961	24 Jul 2026
Franklin India ELSS Tax Saver Fund - IDCW	Franklin Templeton	₹59.4311	24 Jul 2026
Kotak ELSS Tax Saver Fund-Growth	Kotak Mahindra	₹115.0200	24 Jul 2026
Edelweiss ELSS Tax Saver Fund - Regular Plan - Growth Option	Edelweiss	₹113.4400	24 Jul 2026
DSP ELSS Tax Saver Fund - Regular Plan - Growth	DSP BlackRock	₹136.6760	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹30.3756
23 Jul 2026	₹30.4498
22 Jul 2026	₹30.7214
21 Jul 2026	₹31.0450
20 Jul 2026	₹30.9906
17 Jul 2026	₹31.0373
16 Jul 2026	₹30.9371
15 Jul 2026	₹30.9605
14 Jul 2026	₹30.8009
13 Jul 2026	₹31.0293

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 24 Jul 2026, the NAV of LIC MF ELSS Tax Saver-Regular Plan-IDCW is ₹30.3756. It's a ELSS from LIC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LIC MF ELSS Tax Saver-Regular Plan-IDCW has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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.

LIC MF ELSS Tax Saver-Regular Plan-IDCW is managed by LIC. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LIC MF ELSS Tax Saver-Regular Plan-IDCW has delivered a absolute return of -5.79% — -7.46 pp behind the ELSS category average of 1.67%. The fund ranks #67 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LIC MF ELSS Tax Saver-Regular Plan-IDCW has delivered a CAGR of 8.41% — +3.07 pp ahead of the ELSS category average of 5.34%. The fund ranks #52 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LIC MF ELSS Tax Saver-Regular Plan-IDCW has delivered a CAGR of 7.49% — +0.7 pp ahead of the ELSS category average of 6.78%. The fund ranks #57 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in LIC MF ELSS Tax Saver-Regular Plan-IDCW exactly 10 years ago would be worth approximately ₹190,437 today — a multiplier of 1.90×, based on the 10-year CAGR of 6.65%. The category average over the same window would have grown ₹1 lakh to ₹213,276.

A ₹10,000 monthly SIP in LIC MF ELSS Tax Saver-Regular Plan-IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹708,392 today. That's an XIRR (money-weighted annualised return) of 6.58%.

A ₹10,000 monthly SIP for 10 years in LIC MF ELSS Tax Saver-Regular Plan-IDCW = ₹1,200,000 invested. It would currently be worth ₹1,776,427 (multiplier 1.48×). XIRR: 7.61%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LIC MF ELSS Tax Saver-Regular Plan-IDCW ranks #57 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.78%; this fund delivered 7.49%.

The worst peak-to-trough decline LIC MF ELSS Tax Saver-Regular Plan-IDCW has experienced over the last 5-year window is 20.55% — its NAV fell from a high on 14 Oct 2021 to a low on 17 Jun 2022. 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, LIC MF ELSS Tax Saver-Regular Plan-IDCW averaged 6.76% (best 18.84%, worst -6.77%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is 0.12 — weak risk-adjusted performance.

In calendar year 2025, LIC MF ELSS Tax Saver-Regular Plan-IDCW returned 0.17% — lagging the ELSS category average of 1.54% by 1.37 pp. It ranked #29 of 47 in its category that year.

LIC MF ELSS Tax Saver-Regular 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 ELSS Tax Saver-Regular 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. Worst 5-year drawdown: 20.5%. 5-year CAGR: 7.49%.

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