Should I invest in LIC MF Large & Mid Cap Fund?

We don't give personal investment advice. LIC MF Large & Mid Cap Fund-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: 20.1%. 5-year CAGR: 10.09%.

LIC

LIC MF Large & Mid Cap Fund-Regular Plan-IDCW

Latest NAV

₹29.5148

As of

3 Jun 2026

2,772 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	-0.50%	+0.22%	-0.72	17 / 17	Q4
1W	-3.10%	-1.78%	-1.32	16 / 17	Q4
2W	-1.16%	+0.03%	-1.19	17 / 17	Q4
1M	-1.73%	-0.50%	-1.23	17 / 17	Q4
3M	-1.42%	-1.23%	-0.19	12 / 17	Q3
6M	-6.03%	-6.29%	+0.26	11 / 17	Q3
YTD	-6.73%	-6.24%	-0.50	11 / 17	Q3
1Y	-4.78%	-2.39%	-2.38	13 / 16	Q4
2Y	+1.09%	+0.29%	+0.81	8 / 14	Q3
3Y	+14.03%	+10.11%	+3.92	3 / 12	Q1
4Y	+10.90%	+9.90%	+1.00	7 / 12	Q3
5Y	+10.09%	+8.33%	+1.76	6 / 11	Q3
7Y	+12.09%	+10.09%	+2.00	1 / 7	Q1
10Y	+11.62%	+10.48%	+1.13	2 / 3	Q3
Inception	+10.06%	+8.62%	+1.44	7 / 17	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	-6.73%	-6.24%	-0.50	11 / 17
2025	-0.53%	-1.18%	+0.66	10 / 16
2024	+27.32%	+19.96%	+7.36	2 / 12
2023	+25.17%	+22.10%	+3.08	4 / 12
2022	-7.13%	-5.07%	-2.06	9 / 12
2021	+30.54%	+35.83%	-5.29	9 / 11
2020	+14.10%	+13.27%	+0.83	5 / 10
2019	+11.03%	+11.21%	-0.18	3 / 6
2018	-13.03%	-10.78%	-2.25	3 / 4
2017	+33.78%	+32.47%	+1.30	3 / 4
2016	+12.26%	+5.83%	+6.43	1 / 3

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

+13.13%

126 windows

min -22.2% · max 60.9%

69% positive

3-Year rolling

+11.70%

101 windows

min -7.4% · max 22.2%

93% positive

5-Year rolling

+12.06%

77 windows

min -0.2% · max 21.9%

99% positive

7-Year rolling

+11.61%

53 windows

min 9.1% · max 15.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

14.95%

3-year · annualised

Sharpe ratio

0.53

vs risk-free 6.5%

Sortino ratio

0.85

Downside-only deviation

Max drawdown

-19.16%

Sep 2024 → Feb 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 Large & Mid Cap Fund

Scheme	Fund house	NAV	As of
Motilal Oswal Large and Midcap Fund Regular - IDCW Payout/Reinvestment	Motilal Oswal	₹24.7839	3 Jun 2026
Mirae Asset Large & Midcap Fund - Regular Plan - IDCW	Mirae Asset	₹45.9140	3 Jun 2026
Edelweiss Large and Mid Cap Fund - Regular Plan - IDCW Option	Edelweiss	₹32.8690	3 Jun 2026
HSBC Large & Mid Cap Fund - Regular IDCW	HSBC	₹19.8946	3 Jun 2026
Baroda BNP Paribas Large and Mid Cap Fund-Regular plan-IDCW Option	Baroda BNP Paribas	₹17.3840	3 Jun 2026
PGIM India Large and Midcap Fund - Regular Plan - IDCW Option	PGIM India	₹10.9600	3 Jun 2026
Axis Large & Mid Cap Fund - Regular Plan - IDCW	Axis	₹19.2100	2 Jun 2026
Bajaj Finserv Large and Mid Cap Fund- Regular Plan- IDCW	Bajaj Finserv	₹11.7760	3 Jun 2026
Helios Large & Mid Cap Fund - Regular Plan - IDCW Option	Helios	₹10.7300	3 Jun 2026
ITI Large & Midcap Fund - Regular Plan - IDCW Option	ITI	₹9.2800	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹29.5148
2 Jun 2026	₹29.6622
1 Jun 2026	₹29.7067
29 May 2026	₹30.1189
27 May 2026	₹30.4582
26 May 2026	₹30.3681
25 May 2026	₹30.3635
22 May 2026	₹30.0502
21 May 2026	₹29.9518
20 May 2026	₹29.8616

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 Large & Mid Cap Fund-Regular Plan-IDCW is ₹29.5148. It's a Large & Mid Cap Fund from LIC, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LIC MF Large & Mid Cap Fund-Regular Plan-IDCW has NAV history starting from 26 Feb 2015, a track record of about 11 years 3 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 Large & Mid Cap Fund-Regular Plan-IDCW is managed by LIC. It's classified by AMFI under the 'Large & Mid Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LIC MF Large & Mid Cap Fund-Regular Plan-IDCW has delivered a absolute return of -4.78% — -2.38 pp behind the Large & Mid Cap Fund category average of -2.39%. The fund ranks #13 of 16 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LIC MF Large & Mid Cap Fund-Regular Plan-IDCW has delivered a CAGR of 14.03% — +3.92 pp ahead of the Large & Mid Cap Fund category average of 10.11%. The fund ranks #3 of 12 in its category — the top (Q1) quartile.

Over the trailing 5-year window, LIC MF Large & Mid Cap Fund-Regular Plan-IDCW has delivered a CAGR of 10.09% — +1.76 pp ahead of the Large & Mid Cap Fund category average of 8.33%. The fund ranks #6 of 11 in its category — the third (Q3) quartile.

₹1 lakh invested in LIC MF Large & Mid Cap Fund-Regular Plan-IDCW exactly 10 years ago would be worth approximately ₹300,201 today — a multiplier of 3.00×, based on the 10-year CAGR of 11.62%. The category average over the same window would have grown ₹1 lakh to ₹271,037.

A ₹10,000 monthly SIP in LIC MF Large & Mid Cap Fund-Regular Plan-IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹737,326 today. That's an XIRR (money-weighted annualised return) of 8.17%.

A ₹10,000 monthly SIP for 10 years in LIC MF Large & Mid Cap Fund-Regular Plan-IDCW = ₹1,200,000 invested. It would currently be worth ₹2,096,135 (multiplier 1.75×). XIRR: 10.74%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LIC MF Large & Mid Cap Fund-Regular Plan-IDCW ranks #6 out of 11 funds in the Large & Mid Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.33%; this fund delivered 10.09%.

The worst peak-to-trough decline LIC MF Large & Mid Cap Fund-Regular Plan-IDCW has experienced over the last 5-year window is 20.13% — its NAV fell from a high on 18 Oct 2021 to a low on 28 Mar 2023. 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 Large & Mid Cap Fund-Regular Plan-IDCW averaged 12.06% (best 21.94%, worst -0.17%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.29 — weak risk-adjusted performance.

In calendar year 2025, LIC MF Large & Mid Cap Fund-Regular Plan-IDCW returned -0.53% — beating the Large & Mid Cap Fund category average of -1.18% by 0.66 pp. It ranked #10 of 16 in its category that year.

LIC MF Large & Mid Cap Fund-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 Large & Mid Cap Fund-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: 20.1%. 5-year CAGR: 10.09%.

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