Should I invest in LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION?

We don't give personal investment advice. LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.6%. 5-year CAGR: 1.96%.

LIC

LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION

Latest NAV

₹11.7852

As of

17 Jul 2026

4,617 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	-0.04%	+0.05	10 / 16	Q3
1W	-0.09%	-0.05%	-0.03	7 / 16	Q2
2W	-0.18%	-0.09%	-0.09	8 / 16	Q2
1M	+0.65%	+0.18%	+0.47	6 / 16	Q2
3M	+1.69%	+0.78%	+0.90	3 / 16	Q1
6M	+3.00%	+1.47%	+1.53	6 / 16	Q2
YTD	+2.72%	+1.04%	+1.68	3 / 16	Q1
1Y	+4.38%	+1.94%	+2.44	6 / 16	Q2
2Y	+3.96%	+2.83%	+1.13	6 / 16	Q2
3Y	+2.67%	+2.64%	+0.02	6 / 16	Q2
4Y	+2.15%	+2.55%	-0.40	6 / 16	Q2
5Y	+1.96%	+2.23%	-0.26	6 / 16	Q2
7Y	+1.92%	+1.78%	+0.14	6 / 15	Q2
10Y	+1.56%	+1.61%	-0.06	5 / 14	Q2
Inception	+0.86%	+2.10%	-1.24	7 / 16	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	+2.72%	+1.31%	+1.42	3 / 12
2025	+2.99%	+3.30%	-0.31	5 / 12
2024	+2.26%	+3.30%	-1.04	6 / 12
2023	+0.61%	+2.35%	-1.74	7 / 12
2022	+0.16%	+0.53%	-0.37	5 / 15
2021	+2.18%	-0.51%	+2.69	3 / 15
2020	+2.50%	+1.99%	+0.52	5 / 16
2019	+1.91%	+2.83%	-0.92	6 / 16
2018	+0.14%	+1.78%	-1.64	12 / 16
2017	+0.05%	+1.04%	-0.99	7 / 16
2016	+0.00%	+3.03%	-3.03	13 / 16

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

+0.77%

221 windows

min -0.4% · max 4.4%

64% positive

3-Year rolling

+0.69%

197 windows

min 0.0% · max 2.7%

90% positive

5-Year rolling

+0.69%

173 windows

min 0.0% · max 2.0%

100% positive

7-Year rolling

+0.68%

148 windows

min 0.1% · max 1.9%

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

1.36%

3-year · annualised

Sharpe ratio

-2.84

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.60%

Jun 2025 → Jun 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 Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - IDCW Option	HDFC	₹10.1186	17 Jul 2026
NIPPON INDIA BANKING and PSU FUND - WEEKLY IDCW Option	Nippon India	₹10.2885	17 Jul 2026
ICICI Prudential Banking and PSU Debt Fund - Quarterly IDCW	ICICI Prudential	₹11.1494	17 Jul 2026
Franklin India Banking and PSU Debt Fund - IDCW	Franklin India	₹10.8960	17 Jul 2026
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹13.0325	17 Jul 2026
LICMF INCOME PLUS FUND - GROWTH OPTION	LIC	₹36.7325	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.7852
16 Jul 2026	₹11.7844
15 Jul 2026	₹11.7779
14 Jul 2026	₹11.7729
13 Jul 2026	₹11.7968
10 Jul 2026	₹11.7955
9 Jul 2026	₹11.7840
8 Jul 2026	₹11.7806
7 Jul 2026	₹11.8048
6 Jul 2026	₹11.8108

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 INCOME PLUS FUND - DAILY DIVIDEND OPTION is ₹11.7852. It's a Banking & PSU Fund from LIC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION has NAV history starting from 31 May 2007, a track record of about 19 years 1 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 INCOME PLUS FUND - DAILY DIVIDEND OPTION is managed by LIC. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION has delivered a absolute return of 4.38% — +2.44 pp ahead of the Banking & PSU Fund category average of 1.94%. The fund ranks #6 of 16 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION has delivered a CAGR of 2.67% — +0.02 pp ahead of the Banking & PSU Fund category average of 2.64%. The fund ranks #6 of 16 in its category — the second (Q2) quartile.

Over the trailing 5-year window, LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION has delivered a CAGR of 1.96% — -0.26 pp behind the Banking & PSU Fund category average of 2.23%. The fund ranks #6 of 16 in its category — the second (Q2) quartile.

₹1 lakh invested in LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION exactly 10 years ago would be worth approximately ₹116,686 today — a multiplier of 1.17×, based on the 10-year CAGR of 1.56%. The category average over the same window would have grown ₹1 lakh to ₹117,353.

A ₹10,000 monthly SIP in LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION over the last 5 years — total invested ₹600,000 — would be worth ₹642,181 today. That's an XIRR (money-weighted annualised return) of 2.68%.

A ₹10,000 monthly SIP for 10 years in LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION = ₹1,200,000 invested. It would currently be worth ₹1,332,005 (multiplier 1.11×). XIRR: 2.06%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION ranks #6 out of 16 funds in the Banking & PSU Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.23%; this fund delivered 1.96%.

The worst peak-to-trough decline LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION has experienced over the last 5-year window is 0.60% — its NAV fell from a high on 06 Jun 2025 to a low on 13 Jun 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 INCOME PLUS FUND - DAILY DIVIDEND OPTION averaged 0.69% (best 1.96%, worst 0.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -3.91 — negative risk-adjusted performance.

In calendar year 2025, LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION returned 2.99% — lagging the Banking & PSU Fund category average of 3.30% by 0.31 pp. It ranked #5 of 12 in its category that year.

LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.6%. 5-year CAGR: 1.96%.

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