Should I invest in LICMF INCOME PLUS FUND?

We don't give personal investment advice. LICMF INCOME PLUS FUND - GROWTH 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: 5.75%.

LIC

LICMF INCOME PLUS FUND - GROWTH OPTION

Latest NAV

₹36.7325

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

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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%	-0.04%	+0.05	9 / 16	Q3
1W	-0.09%	-0.05%	-0.03	9 / 16	Q3
2W	-0.18%	-0.09%	-0.09	5 / 16	Q2
1M	+0.65%	+0.18%	+0.47	5 / 16	Q2
3M	+1.69%	+0.78%	+0.90	4 / 16	Q1
6M	+3.00%	+1.47%	+1.53	5 / 16	Q2
YTD	+2.72%	+1.04%	+1.68	5 / 16	Q2
1Y	+4.65%	+1.94%	+2.71	4 / 16	Q1
2Y	+6.90%	+2.83%	+4.07	4 / 16	Q1
3Y	+6.83%	+2.64%	+4.19	4 / 16	Q1
4Y	+6.63%	+2.55%	+4.08	4 / 16	Q1
5Y	+5.75%	+2.23%	+3.53	3 / 16	Q1
7Y	+5.96%	+1.78%	+4.19	2 / 15	Q1
10Y	+6.54%	+1.61%	+4.93	2 / 14	Q1
Inception	+7.03%	+2.10%	+4.93	3 / 16	Q1

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	5 / 12
2025	+7.49%	+3.30%	+4.19	2 / 12
2024	+7.75%	+3.30%	+4.45	4 / 12
2023	+6.51%	+2.35%	+4.16	2 / 12
2022	+3.06%	+0.53%	+2.53	3 / 15
2021	+2.54%	-0.51%	+3.06	2 / 15
2020	+8.49%	+1.99%	+6.50	2 / 16
2019	+9.83%	+2.83%	+7.01	3 / 16
2018	+7.14%	+1.78%	+5.36	1 / 16
2017	+6.06%	+1.04%	+5.02	1 / 16
2016	+8.10%	+3.03%	+5.07	4 / 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

+7.05%

221 windows

min 2.0% · max 11.3%

100% positive

3-Year rolling

+6.94%

197 windows

min 3.9% · max 8.7%

100% positive

5-Year rolling

+6.99%

173 windows

min 5.4% · max 8.2%

100% positive

7-Year rolling

+7.08%

148 windows

min 6.0% · max 7.9%

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

1.53%

3-year · annualised

Sharpe ratio

0.11

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.60%

Jun 2025 → Jun 2025

% positive months

91.7%

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 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 - DAILY DIVIDEND OPTION	LIC	₹11.7852	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹36.7325
16 Jul 2026	₹36.7299
15 Jul 2026	₹36.7098
14 Jul 2026	₹36.6943
13 Jul 2026	₹36.7687
10 Jul 2026	₹36.7648
9 Jul 2026	₹36.7287
8 Jul 2026	₹36.7181
7 Jul 2026	₹36.7937
6 Jul 2026	₹36.8123

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 - GROWTH OPTION is ₹36.7325. 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 - GROWTH 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 - GROWTH 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 - GROWTH OPTION has delivered a absolute return of 4.65% — +2.71 pp ahead of the Banking & PSU Fund category average of 1.94%. The fund ranks #4 of 16 in its category — the top (Q1) quartile.

Over the trailing 3-year window, LICMF INCOME PLUS FUND - GROWTH OPTION has delivered a CAGR of 6.83% — +4.19 pp ahead of the Banking & PSU Fund category average of 2.64%. The fund ranks #4 of 16 in its category — the top (Q1) quartile.

Over the trailing 5-year window, LICMF INCOME PLUS FUND - GROWTH OPTION has delivered a CAGR of 5.75% — +3.53 pp ahead of the Banking & PSU Fund category average of 2.23%. The fund ranks #3 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in LICMF INCOME PLUS FUND - GROWTH OPTION exactly 10 years ago would be worth approximately ₹188,464 today — a multiplier of 1.88×, based on the 10-year CAGR of 6.54%. 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 - GROWTH OPTION over the last 5 years — total invested ₹600,000 — would be worth ₹706,628 today. That's an XIRR (money-weighted annualised return) of 6.48%.

A ₹10,000 monthly SIP for 10 years in LICMF INCOME PLUS FUND - GROWTH OPTION = ₹1,200,000 invested. It would currently be worth ₹1,658,542 (multiplier 1.38×). XIRR: 6.30%. 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 - GROWTH OPTION ranks #3 out of 16 funds in the Banking & PSU Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.23%; this fund delivered 5.75%.

The worst peak-to-trough decline LICMF INCOME PLUS FUND - GROWTH 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 - GROWTH OPTION averaged 6.99% (best 8.15%, worst 5.44%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.63 — negative risk-adjusted performance.

In calendar year 2025, LICMF INCOME PLUS FUND - GROWTH OPTION returned 7.49% — beating the Banking & PSU Fund category average of 3.30% by 4.19 pp. It ranked #2 of 12 in its category that year.

LICMF INCOME PLUS FUND - GROWTH 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 - GROWTH 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: 5.75%.

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

LICMF INCOME PLUS FUND - GROWTH OPTION

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Banking & PSU Fund

Recent NAVs

Frequently asked questions

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