Should I invest in LIC MF Equity Fund?

We don't give personal investment advice. LIC MF Equity Fund-Dividend 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: 23.5%. 5-year CAGR: 9.95%.

LIC

LIC MF Equity Fund-Dividend

Latest NAV

₹32.7002

As of

17 Jul 2026

4,954 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	-0.52%	+0.13%	-0.66	73 / 75	Q4
1W	-1.48%	+0.04%	-1.51	70 / 74	Q4
2W	-0.12%	-0.03%	-0.08	46 / 73	Q3
1M	+3.76%	+1.15%	+2.61	7 / 72	Q1
3M	+7.82%	+4.98%	+2.84	17 / 71	Q1
6M	+3.23%	+8.01%	-4.78	35 / 71	Q2
YTD	+1.06%	+3.91%	-2.85	38 / 71	Q3
1Y	+3.87%	+15.10%	-11.23	38 / 65	Q3
2Y	+1.02%	+7.99%	-6.97	44 / 61	Q3
3Y	+11.58%	+11.25%	+0.32	27 / 55	Q2
4Y	+12.79%	+11.82%	+0.97	17 / 35	Q2
5Y	+9.95%	+10.79%	-0.84	21 / 33	Q3
7Y	+11.67%	+12.57%	-0.90	17 / 28	Q3
10Y	+8.75%	+10.43%	-1.68	18 / 28	Q3
Inception	+4.31%	+9.06%	-4.75	60 / 75	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	+1.06%	-1.05%	+2.10	10 / 27
2025	+1.39%	+2.13%	-0.74	16 / 27
2024	+18.29%	+17.60%	+0.68	9 / 27
2023	+27.01%	+25.30%	+1.71	10 / 27
2022	-4.87%	+0.84%	-5.70	28 / 32
2021	+19.79%	+25.14%	-5.36	34 / 46
2020	+10.07%	+13.07%	-3.00	29 / 50
2019	+13.48%	+4.14%	+9.34	2 / 61
2018	-7.49%	-7.56%	+0.07	18 / 36
2017	+15.79%	+31.98%	-16.19	36 / 36
2016	-2.27%	+1.09%	-3.36	29 / 38

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

+7.86%

235 windows

min -70.4% · max 83.5%

68% positive

3-Year rolling

+6.86%

210 windows

min -23.1% · max 23.4%

80% positive

5-Year rolling

+6.63%

187 windows

min -9.9% · max 18.4%

84% positive

7-Year rolling

+6.48%

163 windows

min -4.4% · max 14.0%

93% 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

16.31%

3-year · annualised

Sharpe ratio

0.36

vs risk-free 6.5%

Sortino ratio

0.55

Downside-only deviation

Max drawdown

-23.54%

Sep 2024 → Mar 2025

% positive months

61.1%

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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Equity Fund - Dividend Option	HDFC	₹73.8450	17 Jul 2026
SBI Magnum Multicap Fund - Dividend Option	SBI	₹48.2854	17 Jul 2026
ICICI Prudential Flexicap Fund - Growth	ICICI Prudential	₹19.9500	17 Jul 2026
Franklin India Prima Plus-Dividend	Franklin Templeton	₹62.3718	17 Jul 2026
Kotak Flexicap Fund - Growth	Kotak	₹85.9620	17 Jul 2026
HSBC India Opportunities Fund - Dividend	HSBC	₹42.2405	17 Jul 2026
Canara Robeco Equity Diversified-Growth	Canara Robeco	₹342.0300	17 Jul 2026
UTI - Equity Fund-Growth Option	UTI	₹318.2605	17 Jul 2026
Birla Sun Life Equity Fund-Plan A(Dividend)	Birla Sun Life	₹165.6000	17 Jul 2026
Escorts Power & Energy Fund - Dividend Option	Escorts	₹77.6979	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹32.7002
16 Jul 2026	₹32.8725
15 Jul 2026	₹33.0242
14 Jul 2026	₹32.8007
13 Jul 2026	₹33.0512
10 Jul 2026	₹33.1905
9 Jul 2026	₹32.8064
8 Jul 2026	₹32.3024
7 Jul 2026	₹32.9607
6 Jul 2026	₹32.9788

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 Equity Fund-Dividend is ₹32.7002. It's a Flexi Cap Fund from LIC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

LIC MF Equity Fund-Dividend 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 Equity Fund-Dividend is managed by LIC. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LIC MF Equity Fund-Dividend has delivered a absolute return of 3.87% — -11.23 pp behind the Flexi Cap Fund category average of 15.10%. The fund ranks #38 of 65 in its category — the third (Q3) quartile.

Over the trailing 3-year window, LIC MF Equity Fund-Dividend has delivered a CAGR of 11.58% — +0.32 pp ahead of the Flexi Cap Fund category average of 11.25%. The fund ranks #27 of 55 in its category — the second (Q2) quartile.

Over the trailing 5-year window, LIC MF Equity Fund-Dividend has delivered a CAGR of 9.95% — -0.84 pp behind the Flexi Cap Fund category average of 10.79%. The fund ranks #21 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in LIC MF Equity Fund-Dividend exactly 10 years ago would be worth approximately ₹231,373 today — a multiplier of 2.31×, based on the 10-year CAGR of 8.75%. The category average over the same window would have grown ₹1 lakh to ₹269,598.

A ₹10,000 monthly SIP in LIC MF Equity Fund-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹775,552 today. That's an XIRR (money-weighted annualised return) of 10.20%.

A ₹10,000 monthly SIP for 10 years in LIC MF Equity Fund-Dividend = ₹1,200,000 invested. It would currently be worth ₹2,078,617 (multiplier 1.73×). XIRR: 10.59%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LIC MF Equity Fund-Dividend ranks #21 out of 33 funds in the Flexi Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 10.79%; this fund delivered 9.95%.

The worst peak-to-trough decline LIC MF Equity Fund-Dividend has experienced over the last 5-year window is 23.54% — its NAV fell from a high on 27 Sep 2024 to a low on 03 Mar 2025. 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 Equity Fund-Dividend averaged 6.63% (best 18.41%, worst -9.86%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is 0.26 — weak risk-adjusted performance.

In calendar year 2025, LIC MF Equity Fund-Dividend returned 1.39% — lagging the Flexi Cap Fund category average of 2.13% by 0.74 pp. It ranked #16 of 27 in its category that year.

LIC MF Equity Fund-Dividend 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 Equity Fund-Dividend 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: 23.5%. 5-year CAGR: 9.95%.

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