Should I invest in LIC MF Flexi Cap Fund?

We don't give personal investment advice. LIC MF Flexi Cap 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. Worst 5-year drawdown: 23.2%. 5-year CAGR: 8.76%.

LIC

LIC MF Flexi Cap Fund-Direct Plan-IDCW

Latest NAV

₹35.7268

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%	-0.75%	+0.39	101 / 105	Q4
1W	-2.59%	-1.81%	-0.78	99 / 104	Q4
2W	-0.33%	-1.11%	+0.79	66 / 104	Q3
1M	+0.25%	-1.16%	+1.42	43 / 104	Q2
3M	+2.03%	+1.00%	+1.03	49 / 103	Q2
6M	-6.29%	+1.92%	-8.21	73 / 100	Q3
YTD	-6.41%	-1.23%	-5.18	70 / 98	Q3
1Y	+4.42%	+9.43%	-5.01	43 / 88	Q2
2Y	+2.84%	+5.85%	-3.01	49 / 82	Q3
3Y	+11.57%	+10.05%	+1.52	34 / 71	Q2
4Y	+11.27%	+9.63%	+1.64	19 / 39	Q2
5Y	+8.76%	+8.82%	-0.06	18 / 34	Q3
7Y	+9.18%	+10.71%	-1.53	16 / 27	Q3
10Y	+9.27%	+8.89%	+0.37	7 / 17	Q2
Inception	+9.27%	+8.04%	+1.22	48 / 105	Q2

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	-6.41%	-6.20%	-0.21	26 / 46
2025	+2.36%	+1.97%	+0.39	22 / 43
2024	+19.36%	+18.83%	+0.52	15 / 42
2023	+28.13%	+26.32%	+1.80	16 / 36
2022	-5.87%	-2.27%	-3.60	27 / 36
2021	+14.71%	+23.11%	-8.40	39 / 50
2020	+8.07%	+11.58%	-3.51	38 / 56
2019	+14.05%	+5.80%	+8.26	8 / 68
2018	-6.69%	-11.53%	+4.84	10 / 33
2017	+26.71%	+29.49%	-2.78	16 / 30
2016	+2.21%	-0.10%	+2.31	9 / 30

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

+11.61%

152 windows

min -24.5% · max 59.1%

72% positive

3-Year rolling

+9.50%

128 windows

min -4.3% · max 18.5%

98% positive

5-Year rolling

+9.16%

103 windows

min -2.1% · max 15.6%

99% positive

7-Year rolling

+8.89%

79 windows

min 5.0% · max 12.4%

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

-23.23%

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 - IDCW Option - Direct Plan	HDFC	₹85.5390	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹58.6919	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹16.7500	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹17.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹49.6510	3 Jun 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹80.8500	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹224.7300	3 Jun 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹31.2807	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹66.6106	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹35.7268
2 Jun 2026	₹35.8581
1 Jun 2026	₹35.8950
29 May 2026	₹36.3045
27 May 2026	₹36.6777
26 May 2026	₹36.5378
25 May 2026	₹36.5884
22 May 2026	₹36.1094
21 May 2026	₹36.0601
20 May 2026	₹35.8434

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-IDCW is ₹35.7268. It's a Flexi Cap Fund from LIC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LIC MF Flexi Cap Fund-Direct Plan-IDCW 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-IDCW 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-IDCW has delivered a absolute return of 4.42% — -5.01 pp behind the Flexi Cap Fund category average of 9.43%. The fund ranks #43 of 88 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LIC MF Flexi Cap Fund-Direct Plan-IDCW has delivered a CAGR of 11.57% — +1.52 pp ahead of the Flexi Cap Fund category average of 10.05%. The fund ranks #34 of 71 in its category — the second (Q2) quartile.

Over the trailing 5-year window, LIC MF Flexi Cap Fund-Direct Plan-IDCW has delivered a CAGR of 8.76% — -0.06 pp behind the Flexi Cap Fund category average of 8.82%. The fund ranks #18 of 34 in its category — the third (Q3) quartile.

₹1 lakh invested in LIC MF Flexi Cap Fund-Direct Plan-IDCW exactly 10 years ago would be worth approximately ₹242,620 today — a multiplier of 2.43×, based on the 10-year CAGR of 9.27%. The category average over the same window would have grown ₹1 lakh to ₹234,455.

A ₹10,000 monthly SIP in LIC MF Flexi Cap Fund-Direct Plan-IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹736,428 today. That's an XIRR (money-weighted annualised return) of 8.12%.

A ₹10,000 monthly SIP for 10 years in LIC MF Flexi Cap Fund-Direct Plan-IDCW = ₹1,200,000 invested. It would currently be worth ₹1,929,617 (multiplier 1.61×). XIRR: 9.18%. 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-IDCW ranks #18 out of 34 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 8.82%; this fund delivered 8.76%.

The worst peak-to-trough decline LIC MF Flexi Cap Fund-Direct Plan-IDCW has experienced over the last 5-year window is 23.23% — 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-IDCW averaged 9.16% (best 15.61%, worst -2.07%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.20 — weak risk-adjusted performance.

In calendar year 2025, LIC MF Flexi Cap Fund-Direct Plan-IDCW returned 2.36% — beating the Flexi Cap Fund category average of 1.97% by 0.39 pp. It ranked #22 of 43 in its category that year.

LIC MF Flexi Cap 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 Flexi Cap 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. Worst 5-year drawdown: 23.2%. 5-year CAGR: 8.76%.

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