Should I invest in LICMF Growth Fund?

We don't give personal investment advice. LICMF Growth Fund - Dividend Option 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: 19.9%. 5-year CAGR: 7.71%.

LIC

LICMF Growth Fund - Dividend Option

Latest NAV

₹32.2074

As of

17 Jul 2026

4,954 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	+0.51%	+0.70%	-0.19	29 / 35	Q4
1W	-0.37%	+0.36%	-0.73	33 / 35	Q4
2W	-0.33%	+0.42%	-0.76	31 / 35	Q4
1M	+0.66%	+1.48%	-0.82	31 / 35	Q4
3M	-0.02%	+1.06%	-1.09	30 / 35	Q4
6M	-4.97%	-3.79%	-1.17	26 / 35	Q3
YTD	-7.01%	-5.15%	-1.86	26 / 35	Q3
1Y	-5.79%	-2.74%	-3.06	26 / 35	Q3
2Y	-2.45%	-1.60%	-0.85	22 / 35	Q3
3Y	+7.23%	+7.90%	-0.67	25 / 35	Q3
4Y	+9.29%	+10.56%	-1.27	24 / 34	Q3
5Y	+7.71%	+8.42%	-0.71	24 / 34	Q3
7Y	+9.85%	+10.25%	-0.40	24 / 34	Q3
10Y	+7.08%	+8.69%	-1.61	23 / 34	Q3
Inception	+5.64%	+8.44%	-2.81	27 / 35	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	-7.01%	-5.48%	-1.53	25 / 34
2025	+5.32%	+5.20%	+0.12	19 / 34
2024	+14.17%	+12.60%	+1.58	17 / 34
2023	+16.49%	+21.38%	-4.89	29 / 34
2022	-1.58%	+0.25%	-1.83	23 / 34
2021	+23.61%	+23.62%	0.00	13 / 34
2020	+12.30%	+11.04%	+1.26	23 / 34
2019	+6.73%	+7.65%	-0.92	24 / 35
2018	-6.15%	-3.82%	-2.33	25 / 35
2017	+21.57%	+24.19%	-2.63	25 / 35
2016	-10.99%	+0.01%	-11.00	33 / 33

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

+8.88%

235 windows

min -56.1% · max 99.4%

68% positive

3-Year rolling

+7.71%

210 windows

min -14.6% · max 27.4%

84% positive

5-Year rolling

+7.35%

187 windows

min -4.8% · max 19.5%

87% positive

7-Year rolling

+7.05%

163 windows

min 0.6% · max 15.8%

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

13.11%

3-year · annualised

Sharpe ratio

0.11

vs risk-free 6.5%

Sortino ratio

0.17

Downside-only deviation

Max drawdown

-18.63%

Sep 2024 → Feb 2025

% positive months

63.9%

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 Cap Fund

Scheme	Fund house	NAV	As of
HDFC Top 200 Fund - Dividend Option	HDFC	₹52.1620	17 Jul 2026
SBI BLUE CHIP FUND-DIVIDEND	SBI	₹53.6607	17 Jul 2026
Franklin India Bluechip Fund-Dividend	Franklin Templeton	₹42.7106	17 Jul 2026
Mirae Asset India Opportunities Fund - Dividend Plan	Mirae Asset	₹28.9130	17 Jul 2026
Kotak Large Cap Fund - Growth	Kotak	₹569.5770	17 Jul 2026
Edelweiss Diversified Growth Equity (E.D.G.E) Fund -Plan A - Growth option	Edelweiss	₹83.3100	17 Jul 2026
HSBC Equity Fund - Dividend	HSBC	₹42.0344	17 Jul 2026
UTI - Master Share-Growth Option	UTI	₹266.1697	17 Jul 2026
PGIM India Large Cap Fund - Growth	PGIM India	₹332.7000	17 Jul 2026
Birla Sun Life Frontline Equity Fund-Plan A (Divivdend)	Birla Sun Life	₹38.6800	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹32.2074
16 Jul 2026	₹32.0442
15 Jul 2026	₹32.1241
14 Jul 2026	₹31.9814
13 Jul 2026	₹32.1976
10 Jul 2026	₹32.3274
9 Jul 2026	₹31.9864
8 Jul 2026	₹31.7772
7 Jul 2026	₹32.4878
6 Jul 2026	₹32.5904

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 17 Jul 2026, the NAV of LICMF Growth Fund - Dividend Option is ₹32.2074. It's a Large Cap Fund from LIC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

LICMF Growth Fund - Dividend Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 Growth Fund - Dividend Option is managed by LIC. It's classified by AMFI under the 'Large Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Growth Fund - Dividend Option has delivered a absolute return of -5.79% — -3.06 pp behind the Large Cap Fund category average of -2.74%. The fund ranks #26 of 35 in its category — the third (Q3) quartile.

Over the trailing 3-year window, LICMF Growth Fund - Dividend Option has delivered a CAGR of 7.23% — -0.67 pp behind the Large Cap Fund category average of 7.90%. The fund ranks #25 of 35 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LICMF Growth Fund - Dividend Option has delivered a CAGR of 7.71% — -0.71 pp behind the Large Cap Fund category average of 8.42%. The fund ranks #24 of 34 in its category — the third (Q3) quartile.

₹1 lakh invested in LICMF Growth Fund - Dividend Option exactly 10 years ago would be worth approximately ₹198,156 today — a multiplier of 1.98×, based on the 10-year CAGR of 7.08%. The category average over the same window would have grown ₹1 lakh to ₹230,064.

A ₹10,000 monthly SIP in LICMF Growth Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹693,982 today. That's an XIRR (money-weighted annualised return) of 5.76%.

A ₹10,000 monthly SIP for 10 years in LICMF Growth Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,831,949 (multiplier 1.53×). XIRR: 8.20%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LICMF Growth Fund - Dividend Option ranks #24 out of 34 funds in the Large Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.42%; this fund delivered 7.71%.

The worst peak-to-trough decline LICMF Growth Fund - Dividend Option has experienced over the last 5-year window is 19.87% — its NAV fell from a high on 18 Oct 2021 to a low on 17 Jun 2022. 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 Growth Fund - Dividend Option averaged 7.35% (best 19.48%, worst -4.82%). 87% of rolling windows ended positive. The 5-year Sharpe ratio is 0.12 — weak risk-adjusted performance.

In calendar year 2025, LICMF Growth Fund - Dividend Option returned 5.32% — beating the Large Cap Fund category average of 5.20% by 0.12 pp. It ranked #19 of 34 in its category that year.

LICMF Growth Fund - Dividend Option 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. LICMF Growth Fund - Dividend Option 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: 19.9%. 5-year CAGR: 7.71%.

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