Should I invest in LIC MF Flexi Cap Fund?

We don't give personal investment advice. LIC MF Flexi Cap 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. Worst 5-year drawdown: 23.2%. 5-year CAGR: 10.63%.

LIC

LIC MF Flexi Cap Fund-Direct Plan-Growth

Latest NAV

₹106.1857

As of

3 Jun 2026

3,290 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	-0.37%	+0.11%	-0.48	101 / 104	Q4
1W	-2.59%	-0.67%	-1.92	103 / 103	Q4
2W	-0.32%	+0.04%	-0.37	72 / 102	Q3
1M	+0.25%	+0.32%	-0.06	46 / 101	Q2
3M	+2.03%	+3.68%	-1.64	51 / 100	Q3
6M	-6.28%	+6.18%	-12.45	88 / 99	Q4
YTD	-6.40%	+2.47%	-8.87	87 / 99	Q4
1Y	+4.45%	+17.47%	-13.02	52 / 89	Q3
2Y	+2.87%	+10.45%	-7.58	72 / 84	Q4
3Y	+11.60%	+13.44%	-1.84	52 / 74	Q3
4Y	+12.51%	+14.31%	-1.80	24 / 38	Q3
5Y	+10.63%	+14.05%	-3.42	25 / 32	Q4
7Y	+11.32%	+14.35%	-3.03	21 / 23	Q4
10Y	+10.77%	+14.35%	-3.58	17 / 18	Q4
Inception	+10.56%	+11.11%	-0.55	63 / 104	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	-6.40%	-4.10%	-2.31	34 / 44
2025	+2.39%	+3.69%	-1.30	25 / 39
2024	+19.39%	+20.93%	-1.54	18 / 40
2023	+29.60%	+29.96%	-0.37	17 / 34
2022	-1.73%	+1.56%	-3.29	25 / 34
2021	+20.96%	+25.89%	-4.93	37 / 52
2020	+11.09%	+15.92%	-4.83	39 / 58
2019	+14.10%	+7.18%	+6.92	6 / 69
2018	-6.66%	-5.07%	-1.58	23 / 34
2017	+26.72%	+36.55%	-9.82	29 / 31
2016	+2.23%	+3.36%	-1.13	15 / 31

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

+13.07%

152 windows

min -24.5% · max 59.8%

78% positive

3-Year rolling

+11.10%

128 windows

min -4.3% · max 21.5%

98% positive

5-Year rolling

+10.87%

103 windows

min -2.0% · max 18.8%

99% positive

7-Year rolling

+10.52%

79 windows

min 6.1% · max 14.6%

100% 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

15.45%

3-year · annualised

Sharpe ratio

0.38

vs risk-free 6.5%

Sortino ratio

0.57

Downside-only deviation

Max drawdown

-23.22%

Sep 2024 → Mar 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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - Growth Option - Direct Plan	HDFC	₹2,115.5350	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - Growth Plan - Growth Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - DIRECT PLAN - Growth Option	SBI	₹117.4238	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - Growth	ICICI Prudential	₹19.8000	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - Growth	Invesco	₹19.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-Growth	Bandhan	₹222.6510	3 Jun 2026
quant Flexi Cap Fund - Growth Option-Direct Plan	Quant	₹118.9418	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹2,064.0200	3 Jun 2026
Motilal Oswal Flexi cap Fund Direct Plan-Growth Option	Motilal Oswal	₹63.2311	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - Growth	Franklin India	₹1,722.7007	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹106.1857
2 Jun 2026	₹106.5758
1 Jun 2026	₹106.6853
29 May 2026	₹107.9025
27 May 2026	₹109.0114
26 May 2026	₹108.5956
25 May 2026	₹108.7459
22 May 2026	₹107.3221
21 May 2026	₹107.1753
20 May 2026	₹106.5312

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 03 Jun 2026, the NAV of LIC MF Flexi Cap Fund-Direct Plan-Growth is ₹106.1857. It's a Flexi Cap Fund from LIC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

LIC MF Flexi Cap Fund-Direct Plan-Growth has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

LIC MF Flexi Cap Fund-Direct Plan-Growth 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 Flexi Cap Fund-Direct Plan-Growth has delivered a absolute return of 4.45% — -13.02 pp behind the Flexi Cap Fund category average of 17.47%. The fund ranks #52 of 89 in its category — the third (Q3) quartile.

Over the trailing 3-year window, LIC MF Flexi Cap Fund-Direct Plan-Growth has delivered a CAGR of 11.60% — -1.84 pp behind the Flexi Cap Fund category average of 13.44%. The fund ranks #52 of 74 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LIC MF Flexi Cap Fund-Direct Plan-Growth has delivered a CAGR of 10.63% — -3.42 pp behind the Flexi Cap Fund category average of 14.05%. The fund ranks #25 of 32 in its category — the bottom (Q4) quartile.

₹1 lakh invested in LIC MF Flexi Cap Fund-Direct Plan-Growth exactly 10 years ago would be worth approximately ₹278,146 today — a multiplier of 2.78×, based on the 10-year CAGR of 10.77%. The category average over the same window would have grown ₹1 lakh to ₹382,239.

A ₹10,000 monthly SIP in LIC MF Flexi Cap Fund-Direct Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹751,621 today. That's an XIRR (money-weighted annualised return) of 8.94%.

A ₹10,000 monthly SIP for 10 years in LIC MF Flexi Cap Fund-Direct Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹2,113,829 (multiplier 1.76×). XIRR: 10.90%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LIC MF Flexi Cap Fund-Direct Plan-Growth ranks #25 out of 32 funds in the Flexi Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 14.05%; this fund delivered 10.63%.

The worst peak-to-trough decline LIC MF Flexi Cap Fund-Direct Plan-Growth has experienced over the last 5-year window is 23.22% — 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 Flexi Cap Fund-Direct Plan-Growth averaged 10.87% (best 18.79%, worst -2.05%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.32 — weak risk-adjusted performance.

In calendar year 2025, LIC MF Flexi Cap Fund-Direct Plan-Growth returned 2.39% — lagging the Flexi Cap Fund category average of 3.69% by 1.30 pp. It ranked #25 of 39 in its category that year.

LIC MF Flexi Cap 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 Flexi Cap 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. Worst 5-year drawdown: 23.2%. 5-year CAGR: 10.63%.

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