Should I invest in LICMF Interval Fund Annual Plan - Series 1 Growth Option?

We don't give personal investment advice. LICMF Interval Fund Annual Plan - Series 1 Growth Option 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: 1.7%. 5-year CAGR: 7.56%.

LIC

LICMF Interval Fund Annual Plan - Series 1 Growth Option

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	+0.06%	-9.99%	+10.05	75 / 1129	Q1
1W	+0.15%	-13.04%	+13.18	180 / 1151	Q1
2W	+0.25%	-13.18%	+13.43	168 / 1149	Q1
1M	+0.49%	-13.26%	+13.75	187 / 1137	Q1
3M	+1.39%	-13.15%	+14.54	218 / 1116	Q1
6M	+2.81%	-15.45%	+18.26	286 / 906	Q2
YTD	+5.17%	-15.77%	+20.95	133 / 952	Q1
1Y	+5.67%	-13.09%	+18.75	296 / 820	Q2
2Y	+6.30%	-12.72%	+19.02	113 / 446	Q2
3Y	+6.98%	-11.01%	+17.99	78 / 385	Q1
4Y	+7.54%	-6.52%	+14.06	68 / 339	Q1
5Y	+7.56%	-7.36%	+14.92	70 / 314	Q1
7Y	+8.08%	+2.53%	+5.55	40 / 234	Q1
10Y	—	—	—	—	—
Inception	+7.73%	-13.63%	+21.36	232 / 1199	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
2017 YTD	+5.17%	+1.63%	+3.55	25 / 137
2016	+6.70%	+3.02%	+3.68	52 / 181
2015	+8.35%	+2.22%	+6.12	24 / 216
2014	+9.00%	+5.51%	+3.49	68 / 240
2013	+7.71%	-1.95%	+9.66	60 / 276
2012	+10.10%	+1.38%	+8.72	48 / 295
2011	+8.68%	-3.16%	+11.84	73 / 317
2010	+4.31%	-5.78%	+10.09	94 / 377
2009	+6.41%	-12.86%	+19.26	162 / 713
2008	—	—	—	—

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

+7.68%

105 windows

min 4.1% · max 10.4%

100% positive

3-Year rolling

+7.98%

80 windows

min 6.5% · max 9.0%

100% positive

5-Year rolling

+8.08%

56 windows

min 7.4% · max 8.8%

100% positive

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

7-Year rolling

+7.90%

32 windows

min 7.8% · max 8.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.39%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.03%

Dec 2016 → Dec 2016

% 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.

Recent NAVs

Date	NAV
30 Nov 2017	₹20.3721
29 Nov 2017	₹20.3592
28 Nov 2017	₹20.3562
27 Nov 2017	₹20.3531
24 Nov 2017	₹20.3451
23 Nov 2017	₹20.3426
22 Nov 2017	₹20.3395
21 Nov 2017	₹20.3363
20 Nov 2017	₹20.3332
17 Nov 2017	₹20.3240

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.

LICMF Interval Fund Annual Plan - Series 1 Growth Option is a Income from LIC (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

LICMF Interval Fund Annual Plan - Series 1 Growth Option has NAV history starting from 20 May 2008, a track record of about 18 years. 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 Interval Fund Annual Plan - Series 1 Growth Option is managed by LIC. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Interval Fund Annual Plan - Series 1 Growth Option has delivered a absolute return of 5.67% — +18.75 pp ahead of the Income category average of -13.09%. The fund ranks #296 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LICMF Interval Fund Annual Plan - Series 1 Growth Option has delivered a CAGR of 6.98% — +17.99 pp ahead of the Income category average of -11.01%. The fund ranks #78 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, LICMF Interval Fund Annual Plan - Series 1 Growth Option has delivered a CAGR of 7.56% — +14.92 pp ahead of the Income category average of -7.36%. The fund ranks #70 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in LICMF Interval Fund Annual Plan - Series 1 Growth Option exactly 5 years ago would be worth approximately ₹143,949 today — a multiplier of 1.44×, based on the 5-year CAGR of 7.56%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in LICMF Interval Fund Annual Plan - Series 1 Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹718,412 today. That's an XIRR (money-weighted annualised return) of 7.12%.

LICMF Interval Fund Annual Plan - Series 1 Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,099,868 — XIRR 7.57%.

On a 5-year basis, LICMF Interval Fund Annual Plan - Series 1 Growth Option ranks #70 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 7.56%.

The worst peak-to-trough decline LICMF Interval Fund Annual Plan - Series 1 Growth Option has experienced over the last 5-year window is 1.70% — its NAV fell from a high on 15 Jul 2013 to a low on 24 Jul 2013. 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 Interval Fund Annual Plan - Series 1 Growth Option averaged 8.08% (best 8.81%, worst 7.39%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.75 — reasonable risk-adjusted performance.

In calendar year 2016, LICMF Interval Fund Annual Plan - Series 1 Growth Option returned 6.70% — beating the Income category average of 3.02% by 3.68 pp. It ranked #52 of 181 in its category that year.

LICMF Interval Fund Annual Plan - Series 1 Growth Option 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. LICMF Interval Fund Annual Plan - Series 1 Growth Option 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: 1.7%. 5-year CAGR: 7.56%.

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

LICMF Interval Fund Annual Plan - Series 1 Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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