Should I invest in LIC MF Equity Savings Fund?

We don't give personal investment advice. LIC MF Equity Savings Fund-Direct Plan-Growth 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 Equity Savings Fund-Direct Plan-Growth

Latest NAV

₹32.0628

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	-0.20%	+0.17%	-0.37	25 / 26	Q4
1W	-0.08%	+0.14%	-0.22	26 / 26	Q4
2W	+0.24%	+0.29%	-0.05	12 / 26	Q2
1M	+0.32%	+1.05%	-0.72	25 / 26	Q4
3M	+1.02%	+1.89%	-0.87	21 / 26	Q4
6M	+1.80%	+2.19%	-0.38	16 / 26	Q3
YTD	+0.88%	+1.79%	-0.91	20 / 26	Q4
1Y	+1.72%	+5.05%	-3.33	25 / 26	Q4
2Y	+5.18%	+5.82%	-0.64	17 / 23	Q3
3Y	+8.51%	+9.26%	-0.75	15 / 23	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.62%	+9.04%	-0.42	16 / 26	Q3

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	+0.88%	+1.79%	-0.91	20 / 26
2025	+8.12%	+7.14%	+0.98	8 / 23
2024	+9.72%	+11.78%	-2.06	16 / 23
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

+9.22%

25 windows

min 1.7% · max 16.7%

100% 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

6.72%

3-year · annualised

Sharpe ratio

0.29

vs risk-free 6.5%

Sortino ratio

0.54

Downside-only deviation

Max drawdown

-7.47%

Dec 2024 → Mar 2025

% 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 Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - Growth Option - Direct Plan	HDFC	₹76.6750	17 Jul 2026
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Bonus Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Growth	SBI	₹27.4155	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option	ICICI Prudential	₹25.1200	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - Growth	Invesco	₹18.8819	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan-Growth	Bandhan	₹36.3120	17 Jul 2026
quant Equity Savings Fund - Growth Option - Direct Plan	Quant	₹10.9493	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹25.9200	17 Jul 2026
Franklin India Equity Savings Fund- Growth Direct	Franklin India	₹18.6962	17 Jul 2026
Mirae Asset Equity Savings Fund- Direct Plan- Growth	Mirae Asset	₹22.9570	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹32.0628
16 Jul 2026	₹32.1270
15 Jul 2026	₹32.1264
14 Jul 2026	₹32.0689
13 Jul 2026	₹32.0448
10 Jul 2026	₹32.0891
9 Jul 2026	₹32.0087
8 Jul 2026	₹31.9576
7 Jul 2026	₹32.0767
6 Jul 2026	₹32.1041

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 Savings Fund-Direct Plan-Growth is ₹32.0628. It's a Equity Savings Fund from LIC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

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

Over the trailing 1-year window, LIC MF Equity Savings Fund-Direct Plan-Growth has delivered a absolute return of 1.72% — -3.33 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #25 of 26 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LIC MF Equity Savings Fund-Direct Plan-Growth has delivered a CAGR of 8.51% — -0.75 pp behind the Equity Savings Fund category average of 9.26%. The fund ranks #15 of 23 in its category — the third (Q3) quartile.

LIC MF Equity Savings Fund-Direct Plan-Growth 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 Equity Savings Fund-Direct Plan-Growth exactly 3 years ago would be worth approximately ₹127,778 today — a multiplier of 1.28×, based on the 3-year CAGR of 8.51%. The category average over the same window would have grown ₹1 lakh to ₹130,447.

A ₹10,000 monthly SIP in LIC MF Equity Savings Fund-Direct Plan-Growth over the last 1 year — total invested ₹120,000 — would be worth ₹121,680 today. That's an XIRR (money-weighted annualised return) of 2.60%.

LIC MF Equity Savings Fund-Direct Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹121,680 — XIRR 2.60%.

On a 3-year basis, LIC MF Equity Savings Fund-Direct Plan-Growth ranks #15 out of 23 funds in the Equity Savings Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 9.26%; this fund delivered 8.51%.

The worst peak-to-trough decline LIC MF Equity Savings Fund-Direct Plan-Growth has experienced over the last 3-year window is 7.47% — its NAV fell from a high on 16 Dec 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.

The 3-year Sharpe ratio is 0.29 — weak risk-adjusted performance.

In calendar year 2025, LIC MF Equity Savings Fund-Direct Plan-Growth returned 8.12% — beating the Equity Savings Fund category average of 7.14% by 0.98 pp. It ranked #8 of 23 in its category that year.

LIC MF Equity Savings Fund-Direct Plan-Growth 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 Savings Fund-Direct Plan-Growth 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 Equity Savings Fund-Direct Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Equity Savings Fund

Recent NAVs

Frequently asked questions

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