Should I invest in LIC MF Overnight Fund?

We don't give personal investment advice. LIC MF Overnight Fund-Regular Plan-Growth is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.0%. 5-year CAGR: 5.48%.

LIC

LIC MF Overnight Fund-Regular Plan-Growth

Latest NAV

₹1,396.9970

As of

3 Jun 2026

2,147 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	+0.01%	+0.01%	+0.00	12 / 30	Q2
1W	+0.11%	+0.10%	+0.01	1 / 30	Q1
2W	+0.20%	+0.20%	+0.00	10 / 30	Q2
1M	+0.42%	+0.42%	+0.00	3 / 30	Q1
3M	+1.28%	+1.26%	+0.02	6 / 30	Q1
6M	+2.55%	+2.52%	+0.03	8 / 30	Q2
YTD	+2.13%	+2.09%	+0.04	4 / 30	Q1
1Y	+5.28%	+5.21%	+0.06	9 / 30	Q2
2Y	+5.83%	+5.81%	+0.02	14 / 29	Q2
3Y	+6.10%	+6.10%	0.00	21 / 28	Q3
4Y	+6.03%	+6.04%	0.00	19 / 24	Q4
5Y	+5.48%	+5.50%	-0.02	18 / 22	Q4
7Y	+4.88%	+4.97%	-0.09	15 / 16	Q4
10Y	—	—	—	—	—
Inception	+4.97%	+5.25%	-0.28	26 / 30	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	+2.13%	+2.09%	+0.04	4 / 30
2025	+5.71%	+5.68%	+0.03	13 / 29
2024	+6.56%	+6.60%	-0.04	24 / 29
2023	+6.53%	+6.58%	-0.04	23 / 27
2022	+4.57%	+4.60%	-0.02	14 / 22
2021	+3.08%	+3.10%	-0.03	16 / 22
2020	+3.26%	+3.32%	-0.06	15 / 21
2019	—	—	—	—

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

+4.98%

72 windows

min 2.9% · max 6.7%

100% positive

3-Year rolling

+5.14%

48 windows

min 3.5% · max 6.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+5.04%

24 windows

min 4.7% · max 5.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

0.18%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

100.0%

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 Overnight Fund

Scheme	Fund house	NAV	As of
Nippon India Overnight Fund - Regular Plan - Growth Option	Nippon India	₹144.9885	3 Jun 2026
Invesco India Overnight Fund - Regular Plan - Growth	Invesco	₹1,368.0391	3 Jun 2026
BANDHAN Overnight Fund - Regular Plan - Growth	Bandhan	₹1,437.8524	3 Jun 2026
quant Overnight Fund - Growth Option - Regular Plan	Quant	₹12.3724	3 Jun 2026
Mirae Asset Overnight Fund Regular Plan Growth	Mirae Asset	₹1,385.2964	3 Jun 2026
Kotak Overnight Fund -Regular plan-Growth Option	Kotak	₹1,440.1845	3 Jun 2026
Edelweiss Overnight Fund - Regular Plan - Growth	Edelweiss	₹1,400.3932	3 Jun 2026
DSP Overnight Fund - Regular Plan - Growth	DSP	₹1,447.0685	3 Jun 2026
HSBC Overnight Fund - Regular Growth	HSBC	₹1,410.0197	3 Jun 2026
Baroda BNP Paribas Overnight Fund - Regular Plan - Growth	Baroda BNP Paribas	₹1,420.7829	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,396.9970
2 Jun 2026	₹1,396.8046
1 Jun 2026	₹1,396.6120
31 May 2026	₹1,396.4178
29 May 2026	₹1,396.0142
28 May 2026	₹1,395.8154
26 May 2026	₹1,395.4213
25 May 2026	₹1,395.2286
24 May 2026	₹1,395.0336
22 May 2026	₹1,394.6378

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 Overnight Fund-Regular Plan-Growth is ₹1,396.9970. It's a Overnight Fund from LIC, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

LIC MF Overnight Fund-Regular Plan-Growth has NAV history starting from 19 Jul 2019, a track record of about 6 years 10 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 Overnight Fund-Regular Plan-Growth is managed by LIC. It's classified by AMFI under the 'Overnight Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LIC MF Overnight Fund-Regular Plan-Growth has delivered a absolute return of 5.28% — +0.06 pp ahead of the Overnight Fund category average of 5.21%. The fund ranks #9 of 30 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LIC MF Overnight Fund-Regular Plan-Growth has delivered a CAGR of 6.10% — +-0 pp ahead of the Overnight Fund category average of 6.10%. The fund ranks #21 of 28 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LIC MF Overnight Fund-Regular Plan-Growth has delivered a CAGR of 5.48% — -0.02 pp behind the Overnight Fund category average of 5.50%. The fund ranks #18 of 22 in its category — the bottom (Q4) quartile.

₹1 lakh invested in LIC MF Overnight Fund-Regular Plan-Growth exactly 5 years ago would be worth approximately ₹130,562 today — a multiplier of 1.31×, based on the 5-year CAGR of 5.48%. The category average over the same window would have grown ₹1 lakh to ₹130,668.

A ₹10,000 monthly SIP in LIC MF Overnight Fund-Regular Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹695,734 today. That's an XIRR (money-weighted annualised return) of 5.86%.

LIC MF Overnight Fund-Regular Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹695,734 — XIRR 5.86%.

On a 5-year basis, LIC MF Overnight Fund-Regular Plan-Growth ranks #18 out of 22 funds in the Overnight Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 5.50%; this fund delivered 5.48%.

The worst peak-to-trough decline LIC MF Overnight Fund-Regular Plan-Growth has experienced over the last 5-year window is 0.00%. 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 Overnight Fund-Regular Plan-Growth averaged 5.04% (best 5.48%, worst 4.65%). 100% of rolling windows ended positive.

In calendar year 2025, LIC MF Overnight Fund-Regular Plan-Growth returned 5.71% — beating the Overnight Fund category average of 5.68% by 0.03 pp. It ranked #13 of 29 in its category that year.

LIC MF Overnight Fund-Regular Plan-Growth is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. LIC MF Overnight Fund-Regular Plan-Growth is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.0%. 5-year CAGR: 5.48%.

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

LIC MF Overnight Fund-Regular Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Overnight Fund

Recent NAVs

Frequently asked questions

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