Should I invest in LICMF Balanced Fund?

We don't give personal investment advice. LICMF Balanced Fund-Growth is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 15.5%. 5-year CAGR: 8.45%.

LIC

LICMF Balanced Fund-Growth

Latest NAV

₹190.9183

As of

3 Jun 2026

4,922 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	-0.25%	+10.29%	-10.54	32 / 37	Q4
1W	-1.48%	+9.11%	-10.59	22 / 37	Q3
2W	-0.64%	+9.94%	-10.58	28 / 37	Q4
1M	-1.04%	+9.09%	-10.13	13 / 37	Q2
3M	+0.27%	+8.02%	-7.76	10 / 37	Q2
6M	-4.60%	+5.31%	-9.92	12 / 36	Q2
YTD	-5.38%	+4.85%	-10.22	14 / 36	Q2
1Y	-1.84%	+7.28%	-9.11	15 / 36	Q2
2Y	+2.57%	+3.65%	-1.08	15 / 36	Q2
3Y	+10.12%	+9.44%	+0.68	18 / 36	Q2
4Y	+10.17%	+9.24%	+0.93	16 / 35	Q2
5Y	+8.45%	+8.27%	+0.17	19 / 33	Q3
7Y	+8.99%	+8.65%	+0.34	17 / 30	Q3
10Y	+9.10%	+7.76%	+1.34	15 / 28	Q3
Inception	+7.64%	+7.16%	+0.49	19 / 37	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	-5.38%	-6.67%	+1.30	9 / 31
2025	+5.22%	+13.04%	-7.82	15 / 34
2024	+16.80%	+11.71%	+5.09	8 / 34
2023	+19.21%	+15.66%	+3.55	12 / 34
2022	-2.17%	+1.00%	-3.16	25 / 34
2021	+15.30%	+21.44%	-6.14	24 / 34
2020	+9.37%	+9.68%	-0.31	15 / 34
2019	+13.28%	+3.54%	+9.74	2 / 32
2018	-4.45%	-7.66%	+3.21	10 / 32
2017	+20.07%	+16.43%	+3.64	8 / 32
2016	+4.90%	+2.00%	+2.90	7 / 26

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

+9.58%

234 windows

min -47.7% · max 65.0%

80% positive

3-Year rolling

+8.32%

209 windows

min -6.1% · max 21.4%

96% positive

5-Year rolling

+8.27%

185 windows

min -4.1% · max 15.5%

98% positive

7-Year rolling

+8.28%

161 windows

min 1.8% · max 12.6%

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

11.07%

3-year · annualised

Sharpe ratio

0.35

vs risk-free 6.5%

Sortino ratio

0.56

Downside-only deviation

Max drawdown

-15.48%

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 Aggressive Hybrid Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA AGGRESSIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Balanced Fund - Dividend	SBI	₹65.1273	3 Jun 2026
ICICI Prudential Balanced Plan-Dividend	ICICI Prudential	₹42.1200	3 Jun 2026
FT India Balanced Fund-Dividend Plan	Franklin Templeton	₹27.5483	3 Jun 2026
Kotak Balance	Kotak Mahindra	₹36.6150	3 Jun 2026
DSP BlackRock Balanced Fund-Dividend	DSP BlackRock	₹26.1570	3 Jun 2026
Canara Robeco Balance - Dividend Plan	Canara Robeco	₹89.4500	3 Jun 2026
UTI â€“ Balanced Fund-Growth	UTI	₹393.2851	3 Jun 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.4500	2 Jun 2026
Birla Sun Life 95 Fund-Plan A (Dividend)	Birla Sun Life	₹163.8600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹190.9183
2 Jun 2026	₹191.3942
1 Jun 2026	₹190.8121
29 May 2026	₹191.9209
27 May 2026	₹193.7896
26 May 2026	₹194.1596
25 May 2026	₹194.8409
22 May 2026	₹193.2913
21 May 2026	₹192.9482
20 May 2026	₹192.1465

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 LICMF Balanced Fund-Growth is ₹190.9183. It's a Aggressive Hybrid Fund from LIC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LICMF Balanced Fund-Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

LICMF Balanced Fund-Growth is managed by LIC. It's classified by AMFI under the 'Aggressive Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Balanced Fund-Growth has delivered a absolute return of -1.84% — -9.11 pp behind the Aggressive Hybrid Fund category average of 7.28%. The fund ranks #15 of 36 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LICMF Balanced Fund-Growth has delivered a CAGR of 10.12% — +0.68 pp ahead of the Aggressive Hybrid Fund category average of 9.44%. The fund ranks #18 of 36 in its category — the second (Q2) quartile.

Over the trailing 5-year window, LICMF Balanced Fund-Growth has delivered a CAGR of 8.45% — +0.17 pp ahead of the Aggressive Hybrid Fund category average of 8.27%. The fund ranks #19 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in LICMF Balanced Fund-Growth exactly 10 years ago would be worth approximately ₹238,873 today — a multiplier of 2.39×, based on the 10-year CAGR of 9.10%. The category average over the same window would have grown ₹1 lakh to ₹211,131.

A ₹10,000 monthly SIP in LICMF Balanced Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹724,788 today. That's an XIRR (money-weighted annualised return) of 7.49%.

A ₹10,000 monthly SIP for 10 years in LICMF Balanced Fund-Growth = ₹1,200,000 invested. It would currently be worth ₹1,896,175 (multiplier 1.58×). XIRR: 8.85%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LICMF Balanced Fund-Growth ranks #19 out of 33 funds in the Aggressive Hybrid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.27%; this fund delivered 8.45%.

The worst peak-to-trough decline LICMF Balanced Fund-Growth has experienced over the last 5-year window is 15.48% — its NAV fell from a high on 26 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, LICMF Balanced Fund-Growth averaged 8.27% (best 15.54%, worst -4.09%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.20 — weak risk-adjusted performance.

In calendar year 2025, LICMF Balanced Fund-Growth returned 5.22% — lagging the Aggressive Hybrid Fund category average of 13.04% by 7.82 pp. It ranked #15 of 34 in its category that year.

LICMF Balanced Fund-Growth is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. LICMF Balanced Fund-Growth is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 15.5%. 5-year CAGR: 8.45%.

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